23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter to CoreLogic asking them to place a security freeze on my CoreLogic credit report they sent me a letter back basically saying that they are the reseller of consumer report information provided by the three National Consumer reporting agencies. So therefore they were not able to place a freeze on my CoreLogic credit report. But I know they play security freezes because I placed a security freeze with them many times before.
Product: Bank account or service

My wife paid a bill that did n't go through that came out of checking account 2 times wells Fargo put back XXXX payment then the other but took back XXXX $ which is still in question because I would like my money back I had XXXX $ and some odd change in my account before the transaction. I 'm still missing a XXXX $ I 'm not happy with the way they handled my case I want my XXXX back
Product: Credit card or prepaid card

So I've been trying to figure out the extra fees double charges that's been going on with my checking and credit line with bank of america. 
I see a fine was presented for them to compensate their bank members. Due to double charges and extra fees that placed me in negatives ( unable to pay other bills ) really set me back.
Product: Student loan

I was told I would have s lower rate to pay monthly on my Student Loan by a Navient loan servicer and recieved bill for way more than what was told to me .my income has been affected due to COVID and unable to make payments but was misinformed on how much Ibwould have to pay monthly and was told it would be forgiven after a few years.I never received paperwork to support that promise either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my consumer report. I didnt give these companies permission to check my credit. I dont know who gave them permission.I went to a car dealership with my own approval. They were informed that I had my own funding and i supplied them with my own approval letter. None of the listed companies had permissible purpose to check my reports. 

These are fraudulent. Also i have credit card inquiries that i did not authorize. The I called the credit reporting agencies last week and they refused to help me and told me to call the banks myself. As i understand Consumer reporting agencies have a duty to report 100 % accurate information and i am notifying you that you are reporting false information.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
...... 
This is hindering me from doing the things i am trying to do. 

The inquiries are : XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2023 I applied from my house in Arizona for a XXXX XXXX  credit card through First National Bank of Omaha and was instantly approved. However, before I received the card I traveled to XXXX XXXX ( where I am from originally ). I had intended to receive the card when I returned. 
However, family matters meant that I had to stay in XXXX XXXX longer than anticipated, and First Bank of Omaha required me to call. They sent regular mail to the address in Arizona, but I did not receive it. Eventually I did call, in late XXXX, but they reported that because they didn't hear from me that they closed the account. I thought that was all ; I told the rep that I would apply again when I return to the US and he agreed that I could. 
What I did not know was that they, despite closing the account, charged me the annual fee and did not reverse it upon closing the card. They mailed paper statements to my address in Arizona for three straight months ; I did not know of this obligation and no email, text message, or phone call came from them during the 90 days I did not pay this annual fee. I only became aware of it when my credit monitoring service notified me that a 'past-90-days-late ' notice had been listed on my credit report in XXXX of 2023. My credit score dropped XXXX points. I found it it was First National Bank of Omaha 's XXXX XXXX card causing this and called them, but the representative I spoke with demanded a payment to cover the annual fee and penalties/interest. Not knowing what else to do, I paid them and asked them to investigate as I was told that the account had been closed. No one had mentioned that I owed an annual fee on this closed account. 
As proof, I have a letter from First National Bank of Omaha 's Fraud Prevention department dated XXXX XX/XX/2023 informing me that the account was closed. There is no mention of a balance due. I did not use the card as I did not have a chance to do so. I had no log-in or reason to go to their website and did not think there was any action required on my part as they had closed my account before I had had the chance to use it. 
I have heard nothing from them for more than six months. I would like 1 ) my payment returned and 2 ) my detrimental mark on my credit report removed. Other banks ( XXXX XXXX XXXX for one ) sent me mail informing me that they were lowering my available credit limit as a result of my missing this unknown payment to FNBO. Again, my credit score, up to that point reflecting my perfect credit at over 800, dropped almost 100 points. 
I have attached the original letter informing me that the account was closed, and two letters from XXXX XXXX  XXXX informing me that my credit line has been reduced ( clearly as a result of this situation ).
Product: Credit card or prepaid card

I have Citi credit cards with Citibank since XXXX. And XXXX of them was the Citi XXXX XXXX XXXX access more card. I had that card since XXXX and closed it in XX/XX/XXXX since my usage of that card has reduced and there is annual fee associated with the card. 
When I call to close the card, I triple checked specifically if there is any risk for me to lose my points after the card is being closed, and was told no risk since I have couple other citi bank cards that can hold the Citi Thankyou point so I went ahead to close the card instead of downgrade. 
XXXX months later, I lost approximately XXXX Thank you points, which worth approximately {$2800.00}. 
So I contacted Citibank and filed a case with them on XX/XX/XXXX. Followed up on XX/XX/XXXX, XX/XX/XXXX and XXXX times on XX/XX/XXXX. And I get a different XXXX whenever I call and the citi representative was unable to provide anything besides there is no update they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

XXXX. XXXX XXXX  ( XXXX, XXXX, 2022 )
Product: Mortgage

After my loan assumption was complete, I called in the beginning of XX/XX/XXXX and spoke with someone at members first mortgage and let them know my XXXX insurance policy was not going to be renewed and to not pay it anymore that I would have a new provider before my policy expiration on XX/XX/XXXX. When I called mid XXXX to give the new provider information, I spoke with someone named XXXX in the escrow department who informed me the third-party payment processor that you all use for insurance payments already gave a {$4100.00} check to XXXX. He also let me know how many mistakes are made, how cancellation notices and non renewal notices are missed and how payments are made months in advance. XXXX confirmed a non-renewal notice with sent out to the mortgage company and they confirmed it was received in XX/XX/XXXX. 
When I call XXXX about returning the check they tell me they dont have a payment but when they have it because there is no longer an active policy, they are going to issue the check back to my XXXX because he was the primary policyholder. 
I have called and emailed for weeks. I talked to XXXX XXXXXXXX XXXX ago and never heard anything back from her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with  XXXX   XXXX   XXXX  back in  XXXX  ; however, I did have their equipment which was showing that I owed  XXXX   XXXX   XXXX  {$500.00}. On  XXXX / XXXX / XXXX  at  XXXX , I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called  XXXX   XXXX   XXXX  ( now known as  XXXX   ) one wee k later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in  XXXX . I explained that I did not have an account with  XXXX   XXXX   XXXX  back in  XXXX  -  XXXX  with the address identified, yet during that timeframe I did have an account with   XXXX   XXXX  . And the account I held with  XXXX   XXXX  closed when I returned their equipment back in  XXXX . The representative explained that  XXXX   XXXX   XXXX  acquired  XXXX   XXXX  which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with   XXXX   XXXX   ( which I do not ) it is past t he statue of limitations to collect and merging a previous bill does not seem to be right.  I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.  
  
 A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.  
  
 I contacted Transunion by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with Transunion.  
  
 The issue here is that this information is still reporting the same on a ll 3 o f my major credit reports even after I returned the equipment to  XXXX   XXXX   XXXX  and was given a receipt that did not show information that there is a remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act capital, one has violated my rights. 

15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife filed for bankruptcy in XXXX and Lakeview XXXX was the only mortgage company that locked out my access to my account and turned off my autopay feature. I was forced to make manual payments each month and they would not provide me with any of my account documents or statements. Two times during the ex-wife 's bankruptcy, payments arrived late and negatively impacted my credit report. 

In XXXX the bankruptcy was closed and they refuse to give me back access to my account or send me my loan documents or statements while they are increasing my rate unannounced to me due to an insurance increase many months from now. This most recent increase that was not communicated with me has triggered a scenario where they are marking my account as deliquescent on my credit file because my bank auto-draft payments did not meet the increase. My documents and statements are still being sent to the ex-wife 's attorney even after they have been provided proof that the bankruptcy and divorce are closed. 

Lakeview XXXX will not provide me access to my account on my loan in my name due to a formality where the ex-wife 's name is on the mortgage and they are trying to force me to restructure the loan and go to a higher interest rate in the current market. I am not required or obligated to refinance and should be provided access to the account again. I have spoken to the other mortgage companies I have loans with and their reps tell me that Lakeview XXXX is operating under some bizarre policy that their company has created and it does not comply with the mortgage industry standard in this circumstance.
Product: Credit reporting or other personal consumer reports

I wanted to setup an account with all three credit bureaus to manage a credit freeze. I received an error when attempting to setup an online account with Experian. I contact Experian via phone and their automated phone system is setup to not connect you with a human but asks you go back to their website. This should not be an option for a credit bureau to treat consumers like this. I should have the option to easily setup an online account to manage a credit freeze. Experian 's system for routing calls needs to be immediately investigated by the CFPB/FTC .
Product: Mortgage

Lender failed to notify buyer of condition of XXXX acre property was not approved less the XXXX hours prior to closing. Mortgage Broker was in direct communication with Sellers Agent, taking verbal on amend extend. Contract expired and Buyers lost Ernest Moneys. Mortgage Broker and Direct supervisor admitted negligence and stated Company would reimburse Ernest Money. When asked for promise to be provided on official letter, received sub par email for request of internal process. The actions of Mortgage Broker were not in the fiduciary interest of Buyers, and fraudulent statements made in regards to why loan was not approved were given to Buyers. Buyers were not afforded the opportunity to seek new Lender with in reasonable time to complete transaction, before expiring.
Product: Credit card or prepaid card

Barclays claims I owe money. In fact I paid this debt to XXXX prior to Barclays taking over the XXXX Credit Card XXXX from XXXX Banking. I previously filed a complaint with the CFPB ( XXXX ), but the description of the CFPB complaint and resolution according to CFPB doesn't define the problem and the issue certainly should not be considered resolved. Attached is the letter I transmitted to Barclays requesting action to resolve the issue. 

XX/XX/2021 -- I received a statement from XXXX indicating I owed {$310.00}. 
XX/XX/2021 -- I mailed a check ( # XXXX ) to XXXX for {$310.00} to clear this debt. 
XX/XX/2021 -- XXXX deposited check ( # XXXX ) electronically to their account. Please see the attached copy of my XXXX XXXX XXXX Bank statement for documentation. I have redacted my checking account number for confidentiality. This means the debt was cured on this date and therefore no longer existed after this transaction. 
XX/XX/2021 -- Barclays takes over administering the XXXX XXXX XXXX. 
XX/XX/2021 -- Barclays processed a withdrawal from my checking account for {$310.00}. 
XX/XX/2021 -- XXXX XXXX XXXX Bank approved my request to credit my checking account regarding erroneous Barclays ACH transaction. 
XX/XX/2021 -- Barclays wrote that I was now subject to interest, penalties, and fees because of late payments on the {$310.00}. 
XX/XX/2021 -- I notified Barclays of their mistake and asked for correction. 
From my perspective the {$310.00} debt was cured on XX/XX/2021 when XXXX electronically cashed my check. The facts are clear that Barclays has no standing on the {$310.00} to demand payment.
Product: Debt collection

Received another attempt from Spring Oaks Capital , LLC, a debt collector who has previously received a letter of dispute for their debt from XXXX XXXX deputing the debt.
Product: Credit reporting or other personal consumer reports

XXXX BANK XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX BANK bank XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo is not reporting my mortgage payments at the amount of XXXX monthly to the credit bureaus since the year XXXX. They stopped reporting it when I had to file for the covid relief bill when I had to stop working because the Restaurant I was working at had to close because of covid. It's showing WFBNA Home Lending closed XX/XX/year> I make my mortgage payments on time in full so please help me get this put back on my credit report
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX- XXXX and XXXX XXXX- XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts need to be removed from report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to respectfully request the removal of a late payment report on my credit file from XXXX XXXX XXXX, which occurred in XX/XX/XXXX. Due to extraordinary and unforeseen circumstances, I was unable to make the payment on time, and I am asking for your understanding and consideration. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  making it even more difficult to manage my finances. 

In XX/XX/XXXX, I received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and made financial management incredibly difficult. 

On XX/XX/XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unable to manage my financial obligations or set up an autopay arrangement. This single missed payment occurred while XXXX XXXX XXXX and unable to make arrangements to avoid it. 

Additionally, my condition was further complicated by the ongoing XXXXXXXX XXXX, which the federal government recognized as a national emergency. The XXXX XXXX XXXX ( XXXX ) declaration, which remained in effect until XX/XX/XXXX, provided certain protections and relief measures, but also significantly hindered my ability to meet my financial obligations in a timely manner. 

Please note that since opening my XXXX account, I have consistently paid my full balance on time and never missed a payment. This is the only late payment on my record, and it was solely due to these unprecedented XXXX XXXX. This negative mark has been a barrier for me in securing personal loans as I work to rebuild my financial and XXXX XXXX. 

I have provided documentation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I will submit once finalized through XXXX. 

Given the above, I kindly request that XXXX XXXX XXXX consider removing this late payment from my credit report as a goodwill adjustment. This gesture would support me immensely as I strive to restore my financial health and continue managing my obligations. 

If you require further documentation of XXXX XXXX XXXX XXXX or the details of my situation, I have uploaded and attached them to this email. 

Thank you very much for your time, understanding, and consideration. I look forward to a favorable response. 

Sincerely, XXXX XXXX XXXX XXXX Credit Card Account # : XXXX XXXX XXXX XXXX XXXX : XXXX