23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have contacted each credit bureau ( XXXX, Equifax, and XXXX ) in reference to the three accounts that are listed on my credit report from Department of Education. My credit report from all three bureaus are reporting lates for XXXX, XXXX, XXXX, and XXXXXXXX XXXX XXXX. I have disputed with each bureau stating the information is inaccurate.Today, XX/XX/XXXX, I call the number to Dept of Education listed on my credit report. I spoke with a representative that stated, the number on my credit report is the true furnisher which is XXXX. XXXX XXXX servicer reports to Dept of Education in turns reports to the credit bureau. The young lady stated she is a customer service rep from XXXX XXXX XXXX. She explained the accounts that are reporting on my credit report are : ( 1 ) Dept of Education in the amount of {$1900.00}, ( 2 ) Dept of Education in the amount of {$3600.00}, ( 3 ) Dept of Education in the amount of {$5100.00} are all under one account and the furnisher again is not Dept of Education, but is XXXX. For the purpose of accounts for the consumer it is listed as separate accounts on the credit report. The representative stated, there is NO reporting of any notes on the account that reference anyone calling from either credit bureau to verify information on these accounts. Also, the representative from XXXX advised " if on your credit report is reporting from each bureau stating the furnisher has verify information you reported is accurate, this is false information. This can not be true because looking at your account, there is no data information, no files, or documents for XXXX ; therefore, neither one of the credit bureau could have verified the lates. '' According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), Dept of Education was not able to validate any documents for the student loan account in XXXX. This is questionable as to why XXXX, XXXX, and Equifax would state under their investigation that the information disputed has been verified as accurate when there is not documents/files to verify for XXXX? This is a violation as the investigation was not done thoroughly but by an auto system that uses software to gather information. This is defamation of character and a violation of the Fair Credit Reporting ACT. Again, XXXX, XXXX and Equifax have violated 15 U.S. Code 1681i ( a ) ( 5 ) : which this part of the FCRA specifies that if, after an investigation, the information is found to be inaccurate or can not be verified, it must be deleted from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. These items are not related to any transactions completed by me and I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Experians process of blocking the reporting information on my consumer report that is a result of identity theft is in direct violation of the law and a violation of my privacy. When submitting my identity theft documentation to the consumer reporting agency, it was communicated that the fraudulent accounts did not meet Experian 's criteria to be removed from my consumer report. When asked what was their criteria, the response from the representative was I can not disclose the criteria or the process that Experian uses. 

This process is unlawful, inequitable, and does not preserve the rights of my privacy as a consumer in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Furthermore, it states 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

LAST CHANCE FOR EXPERIAN TO REMOVE XXXX XXXX XXXX XXXX XXXX, THIS ACCOUNT IS VIOLATING THE XXXX EXPIRED ON COLLECTION. 
XXXX XXXX. ALL OTHER BUREAUS DELETED THIS INVALID ACCOUNT 3 YEARS AGO.
Product: Mortgage

I have complained and complained about NewRez/Shellpointe Mortgage Servicing. All you do is tell them my complaint, and they send you some pathetic response, and that's it. Nothing changes. They are pathetic, and so are you, in reality. This is not a " consumer protection '' bureau at all. But here 's my new complaint, even though I know it won't do any good.

I have been trying for the entire time I've been dealing with this company to do a loan assumption. They have lied and wasted vast quantities of time, over and over again. None of them know what they are doing. They all lie and are completely incompetent, it is pathetic. I can't see how the company makes any money at all. It is fascinating.

So they finally claimed that they had hired an FHA approved underwriter or something. Which is probably a lie. But they told me after months of lies and stalling that they finally had the personnel available to do the loan assumption. So they sent me the forms to fill out and told me all the stuff to send it.

Right there on their own paperwork, it says that they will complete the whole loan assumption decision making progress within one month of receiving the paperwork. Do you think they did that? No, they did not. Do you think I honestly expected them to? Of course not.

I sent them everything they asked for and more. It was sent USPS Certified Mail, signature required. I have their signature and proof of them receiving the information. They can not claim they did not receive it.

But here 's where it gets interesting. They lie and fail to communicate with me, week after week and month after month. They change personnel constantly. I can never get ahold of anyone that is supposed to help me. But out of the blue, a week after they receive the paperwork, they call me. I couldn't believe it. But they called me. They now claimed that some " 3rd party '' had been contracted to handle the loan assumption. This was news to me. The lies they previously told me were that they had to hire their own internal people. But okay, new lies. New stuff.

The guy that called me swore up and down that the third party would be calling me before that week ended. Well, they received the paperwork on XX/XX/2019. The guy called me, I think, on XX/XX/2019. Guess what? It is now XX/XX/XXXX as I'm typing this complaint. No one ever called. No one has returned my calls as I've tried to find out what is going on. No NewRez/Shellpointe person has called me. No " 3rd party '' has called me.

Is there really a 3rd party? Or is it just another lie? Did I spend tons of money on copying and mailing to just waste my time once again? Will this pathetic company ever do anything they are supposed to do?

I'm attaching the USPS receipts, just in case these pathetic people try to claim they never received the paperwork. Of course, they gave up that game when they called me and told me that some " 3rd party '' would be contacting me about the paperwork, anyway. But just in case, I'm attaching it.

I'm waiting now on pins and needles to read the pathetic response they are going to give to this complaint. What a waste of time. You should all be ashamed of yourselves.
Product: Credit card

On XXXX XXXX, I booked the round-trip tickets from XXXX to XXXX on XXXX XXXX XXXX XXXX with the booking reference XXXX, and there were 2 flight changes before departure for these two tickets. Hence, I called XXXX XXXXXXXX XXXX customer service and they told me it was free of charge to refund the tickets but I had to submit a refund form on their website as these tickets were issued by their office in XXXX. After I submitted the from for the reason Involuntary Flight Change, XXXX XXXX never reached me at all, but after a week, they took it upon themselves to modify the refund reason to voluntary cancellation in order to charge me with XXXXXXXX XXXX ( in XXXX currency ) cancellation in total. Hence I submitted two seperate disputes at american express 's site and XXXX XXXX  each. I also sumbit the proof to American Express, which clearly shows that XXXX XXXX was lying about the ticket refund reason. However, American Express just IGNORED all the proof I submitted after XXXX XXXX just showed them my ticket was canceled without any explanation. As a result of which, american express rebilled XXXX XXXX  ( XXXX XXXX  twice ) cancellation fee to my account.
Product: Debt collection

The debt was forgiven by the bank. 

The account in question was a reward checking account at Keybank, XXXX, NY office, with address XXXX XXXX, XXXX, NY XXXX. 

The account had accumulated {$38.00} in " no activity fees ''. My wife and I were not aware of such fees on the account. 

When we found out about them, we made an appointed at the local office. On XXXX/XXXX/2016, my wife and I visited the XXXX Keybank located at XXXX XXXX, XXXX, NY XXXX and meet with XXXX XXXX ( XXXX, XXXXXXXXXXXX ). He converted our rewards checking account into a no hassle checking account. He agreed to remove the account fees, which has already been taken care of and resolved. Our " no hassle account '' is still open and in good standing. 

On XXXX XXXX, 2016, we received a debt collection notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I promptly wrote a letter, within 30 days, notifying XXXX and his office that I disputed the debt in full and that Key Bank had already forgiven it. 

I 've now received a second debt collection notice but from a different agency, on XXXX/XXXX/16. 

XXXX OH XXXX I am sending a debt dispute to this agency as well.
Product: Credit reporting or other personal consumer reports

****To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ). 

PLEASE SEE THE PICTURES ON ATTACHMENTS
Product: Vehicle loan or lease

I purchase a XXXX XXXX XXXX back in XXXX XXXX car was financed through Capital One. And the car was purchase from XXXX XXXX XXXX. I sent a letter by Certified mail to the CEO at XXXX XXXX XXXX a XXXX XXXX XXXX. XXXX XXXX the CEO of Capital One. Citing 15Usc-1605 stating that the finance charges are illegal. I can cite 3violations the sun of all charges/the insurance was not included with the loan. And there was no cash in hand. Under law all charges are supposed to be included in the finance charges including the. The gap insurance/the extended warranty. My Account # is ( XXXX ).
Product: Checking or savings account

XX/XX/XXXX - XXXX $ XXXX XXXX ) XXXX $ XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XX/XX/XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ I ask them to provide me with details on why my claim is being denied if these transactions were unauthorized, I got a email stating nothing at all, i did not get proof to why my dispute is being denied I be going through this for months
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Transunion the following companies that I have highlighted on the documents attached are inquiries on my credit report. 

I do not have accounts with these companies. 

I did not apply for these companies ' services. 

These companies do not have a permissible purpose to be on or view my consumer credit report. 

Please remove the highlighted companies listed on my credit report. 

Documents attached.
Product: Mortgage

Received pre approval on XX/XX/XXXX. Started full application on XX/XX/XXXX. I was charged {$470.00} for an appraisal on XX/XX/XXXX. As of this evening XX/XX/XXXX the appraisal has not been completed. Citizens bank is claiming that this is due to Dodd Frank and CFPB regulations. I believe this is very misleading and they are trying to blame government regulations on problems with their processes. At this point in the process because of the delays, I do not have the luxury of trying to find another financial institution. I find this unfair and deceptive with the tactics they are using. When I applied, This would have given them almost 80 days for the closing. As of tonight, with no appraisal completed, we now are at 33 days remaining. Again, they have already charged me, but blaming you for the delays. This loan needs to close by XX/XX/XXXX or I suffer severe financial consequences due to their negligence. This is by no means credit or income related. Both my wife and I have XXXX Fico scores, over 15 years each on the job, debt and income ratios all well within guidelines. In other words, we are the ones with perfect credit and income for a mortgage loan. We also are putting down about 35 % of the purchase price.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL(XXXX XXXX) FOR THE AMOUNT OF XXXX   DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT(SECTION 611). THIS IS A CLEAR VIOLATION THAT SAID ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I was a finalist for a CEO position and I signed a disclosure and authorization for XXXX XXXX to do a consumer report. I am formally complaining that this credit report is being reported by Equifax and a Hard Inquiry which has credit score implications. On no other reporting agency is this investigation being reported as a hard inquiry as I was not seeking credit. I have called XXXX XXXX and requested they fix this error and have not received a call back from them. After not receiving a message from XXXX XXXX I filed a dispute with Equifax and it was denied. I am requesting that this inquiry be removed from from Hard Inquiry which would remain on my report for another 13 months and continue to have a negative impact on my credit score as if I were attempting to over purchase.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Account # : XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX. Account # : XXXX XXXX XXXXAccount # : XXXXXXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to follow up on my previous correspondence dated [ Date ], in which I formally disputed the accuracy of certain collection accounts on my credit report. The disputed accounts and their respective account numbers are as follows : XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX I appreciate your attention to this matter and understand the time required to conduct a thorough investigation. However, as the 30-day timeframe outlined in the Fair Credit Reporting Act ( FCRA ) has passed, I am eager to receive an update on the status of the investigation.

I kindly request that you provide me with the following information : 1. The current status of the investigation into each disputed account.

2. Any findings or updates regarding the accuracy and validity of the reported information.

3. Any actions taken to rectify inaccuracies or incomplete information.

I emphasize the urgency of this matter, as the presence of inaccurate collection accounts on my credit report is adversely affecting my financial standing. I am aware of my rights under the FCRA and trust that TransUnion is committed to ensuring fair and accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 Company name Account number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 15 U.S.C 1681 section 602A .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 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any 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 a reasonable cause to believe the information is inaccurate.