23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2022 I sent a letter to the alleged debt collector informing them that I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to any third party companies. 

I requested all verification documents to be sent back to me through USPS such as breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to the alleged debt collector, verification that this debt was assigned or sold to the alledged debt collector. Date this alleged date became payable. Commission for debt collector if collection efforts are successful and complete accounting of alleged debt
Product: Debt collection

Could you please review the documents to confirm adherence to FCRA 605B? Some accounts listed on my credit report appear to be incorrect, leading to discomfort.
Product: Checking or savings account

On XX/XX/2022, I sold my property to where my closing attorney wired the payment to the business account I have on file with Chase bank. Before that I called the bank and was informed, I should receive the wire in 1- 2 businesses days.I called Chase on the XXXX and was told that the money is there and pending.That same day I also made an entry to the Chase " secure message center '' & received a response that the wire is under review. On XX/XX/XXXX I went online and my business account was closed.I immediately called the bank and a representative stated that the system automatically closed my account for inactivity. The supervisor later reopened my account, but did not show until the following day .It is now Monday, XXXX XXXX and the bank has not released my money. Please look into this matter for me because Chase bank has failed me. They are holding the money for the sale of my property and this is not settling well with me. They have lost my trust.
Product: Consumer Loan

I went onto Springleaf 's website to see if I prequalified, and it states " I understand that checking to see if a prequalified offer is available for me will not affect my credit score and that this is not a loan application. If an offer is available for me, I will still need to apply. '' So I have never been told that I need to apply, I was asked more information. This morning I had a hard inquiry but I never signed anything or was told that they will be doing a hard pull on my credit report or I would have not gone through with giving anymore information. I called and the lady said that ALL financial companies do a hard pull. So I feel like they trick the customer by showing this will no affect your credit score. They should have told me that up front but they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I arrived in the United States in XX/XX/XXXX, and I bought my XXXX XXXX XXXX  in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, financing it at 20 % interest. They told me that they would report my payments to the credit bureaus to help me build my credit. After two months, my payments were not showing up on any credit report, so I went to the dealer to complain. The following month, I found out that my loan had been sold to American Credit Acceptance. They called me and said that they would report my credit, but I needed to make three months of payments with them before they could do so. 

In XX/XX/XXXX, I called American Credit Acceptance because my monthly payments were still not showing up on my credit report, and they had not reported anything. They told me that it would be reported in 10 days. After 20 days, I called them again because my payments were still not showing up on my credit report, and they said that they had filed a dispute with XXXX and that it would take 3-4 days. I called XXXX, and they said that they had not received any report from American Credit Acceptance. A week later, I called American Credit Acceptance again, and they said that they would not report my account due to limitations in their system ( which they did not explain ). I have been paying 20 % interest on my car since XX/XX/XXXX, and they are not even reporting my payments to the credit bureaus. They told me that the only option I have is to refinance, but I have been paying them for 7 months, and they have been lying to me and keeping my money without even reporting it. I am filing this complaint for their bad practice, the lies they told me, and the time wasted. 

Currently, I have four accounts in my credit, not including the car because it has not been reported. I have a XXXX on XXXX score and XXXX on XXXX XXXX score. I opened my oldest account in XXXX with XXXX Bank, and now I also have an account with XXXX and four credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a formal dispute with CFPB ( case # XXXX ) which stated that EQUIFAX Credit Bureau was falsely reporting my student loan with XXXX aka XXXX XXXX account XXXX XXXX as being in collections. I stated that I had in fact been enrolled into the Biden FRESH START INITIATIVE on XX/XX/XXXX which would erase in and ALL negative reporting and put my account in good standing and therefor should ONLY show being Current and On Time with NO negative marks. Please see attached documents to verify. 

On XX/XX/XXXX EQUIFAX sent me a formal letter which had ONLY switch some dates around but STILL showed the account as being in Collections. 

EQUIFAX has now formal violated my rights to a FAIR investigation under 15 US C 1681 Section 603 ( 3 ) ( E ) which States investigative consumer report SHALL NOT include specific factual information on a consumers credit record obtained directly from a CREDITOR!! 
EQUIFAX violated my rights by not doing a formal investigation of my dispute, they have only repeated what the CREDITOR XXXX XXXX aka XXXX XXXX account # XXXX ) has told them or reported to them. They have done no due diligence on their part to get to the heart of the matter. If they had they would have seen that I had in fact been enrolled in the FRESH START INITIATIVE and that there should be NO negative or derogatory reporting on this account. 

EQUIFAX is now also violating my rights under the Biden FRESH START INITIATIVE which states Under The Biden Fresh Start Initiative in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # 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 a account without my written instructions
Product: Checking or savings account

On XX/XX/2022, I wrote a letter to Lendumo, XXXX XXXX XXXX, and revoked authorization to my XXXX XXXXXXXX account, and I placed a stop payment with my bank on XX/XX/2022. Lendumo ignored the letter and went into my account under a different name, after I revoked Authorization. The payment posted to my account today and I have now filed a dispute with my bank. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a road trip with my friend and we used a friends car that got broken into to and my purse got stolen along with all my personal information, There was a lot of fraud accounts that have been made and have been opened since my belongings have been stolen such as : XXXX XXXX credit card, XXXX XXXX credit card and XXXX XXXX  XXXX Credit Card. I also have XXXX inquiries on my credit report that I did not authorize such as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX. My name is also spelled wrong on my credit report its spelled XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : XXXX XXXX XXXX : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Debt collection

I had a gym membership with my local  XXXX   XXXX . The contract I signed had a military clause. On  XXXX   XXXX    XXXX  , I provided them with a copy of my military orders. I received phone calls from  XXXX   XXXX , stating that they had not received my orders. I asked  XXXX   XXXX  for assistance in correction this issue, however they explained they could not access my files any longer and all questions should be referred   to Aldous and Associates.
Aldous and Associates refuses to answer my questions.
When I initially received a call from the debt collection agency, Aldous and Associates, the person I spoke to on the phone notified me that I could mail in my military orders. I called a second time a  nd asked  XXXX   XXXX  from  Aldous and Associates how I could dispute my debt. He continually interrupt me and told me to contact a lawyer. He stated that he could not give me any advice. I explained that I 'd spoken to another person within their office, he interrupted me again and told me I could n't have spoken to anybody who is " higher up '' than he is and if I wanted resolution I needed to find a lawyer. I called to change my automatic payment date and responded to an email with a request for a new reciept. He refused and replied " this is a none reply email '' I had to call his office and verbally request a new reciept be sent.       XXXX   XXXX  went out of his way to talk down to me and displayed gross disrespect and lack of professionalism. All I want is the opportunity to clarify this issue.     I specifically asked  XXXX   XXXX  if I could dispute my debt and he refused to answer me. I now know this is a violatio n of U.S. Code 15 after seeking le gal assistance.
Product: Mortgage

On XX/XX/XXXX, I signed my official refinance contract with Navy Federal Credit Union. According to the contract, my loan would process on XX/XX/XXXX, and I needed to pay a total of {$5000.00} in closing cost. The closing cost was taken out of my account through a wire transfer. However, I received an email today, XX/XX/XXXX, from my loan processor stating an additional {$4100.00} was needed from me. The email did not contain any documents stating how and where the money would be applied, but instead, it explained a procedure I do not understand. I'm not sure how and why my contract terms with the bank were changed after signing my closing contract. The following is the contact information for my assigned loan processor : XXXX XXXX XXXX XXXX  XXXX | NMLS # XXXX Phone : XXXX x XXXX Fax : XXXX Email : XXXX I have also attached my closing disclosure and email from the loan processor for your review.
Product: Debt collection

XXXX XXXX XXXX is calling, emailing and sending me letters in the mail stating that I owe Wells Fargo a debit of {$2000.00}. I have ask repeatedly for proof of the debt. They can not provide. I have since called Wells Fargo and asked them to confirm that I owe this debt. Wells Fargo confirmed that I do not owe this debt and told me to turn this company in for scamming/fraud. I have called XXXX and emailed XXXX XXXX XXXX at XXXX. When I ask the rep to provide me with proof that I owe this debt, they ignore my request and ask how I want to pay. They will get very angry if you ask any questions. They will threaten to turn you in to XXXX and garnish your wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion dropped my rating by 170 points based on a delinquency report fromXXXX XXXX in the amount of {$200.00}. 

XXXX XXXX claims the amount due based on a contract for the property at XXXX XXXX XXXX XXXX XXXX XXXX, our residence until its sale on XX/XX/XXXX, XXXX.We attempted to cancel this service with the security co XXXX yet they continued their billing after the sale. 

The original contract was with a different organization dated XX/XX/XXXX and that co, was subsequently acquired by XXXX and our payments for the duration show no delinquency Billing after the sale of the home is pure fraudulent intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ADDRESSES ARE NOT MINE. *** FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Paid, Closed. {$640.00} written off. 
XXXX XXXX XXXX Open. {$670.00} past due as of XX/XX/2020. < -- -- - ACCOUNTS NOT MINE FCRA Violation.
Product: Bank account or service

I received a mailer stating if I opened a personal checking account, I would receive XXXX after two months of reoccurring direct deposits of XXXX or more. Once I went to the local branch, I was told since I am self employed and my direct deposits are n't from an employer, I would not be eligible for the promotion. I use a third party servicer and rents from my rental property come in monthly as a direct deposit. 

This does not make sense. The solicitation says " reoccurring direct deposits. '' Certainly I meet that requirement.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 
5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C.

5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX  XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act XXXX XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 
XXXX and XXXX last payment day and last active day is different and not accurate reporting. 
Company Bridgecrest amount reporting {$10000.00} Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a police report and ftc report on fraud from someone stealing my identity and opening false accounts in XXXX 2019 for collection XXXX XXXX XXXX TXXXX XXXX # XXXX $ XXXX and Equifax did not remove from my credit report even when all evidence was presented. very detrimental to my credit profile and need to be removed as soon as possible.
Product: Mortgage

I contacted pennymac today XXXX and asked to uave PMI removed from my FHA mortgage since it had been over 2 years and my LTV is below 80 %. They stated that i had to have PMI for the entire life of the loan. 

I dont belive this is true. 

Please advise my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband at the time lived there we were separated. I never lived with him. There was a no contact order on him and I have proof of it.
Product: Credit card or prepaid card

There are two issues : - I purchased a new XXXX 's XXXX membership on my Amex card ending in XXXX on XX/XX/XXXX in the amount of {$45.00}. As part of Amex offers, there is a promotion going on which is valid until XX/XX/2022 which gives the card holders {$25.00} statement credit. I have reached out to American Express on numerous occasions and I have been told that they are currently researching it but no one has given me a satisfactory answer. I still haven't received the {$25.00} credit yet. 

-I converted my credit card ending in XXXX to the XXXX XXXX XXXX XXXX XXXX ' in XX/XX/2022. Based on the email offer I received, I would receive a {$150.00} statement credit if I spend {$1000.00} within the first three months. I have already spend {$1000.00} but still haven't received the statement credit yet.
Product: Mortgage

I got divorced back in 2004 and was awarded the home as long as I maintained the mortgage. The Respondent never responded to the prompt execution of the deed transferring all his interest to me after several attempts made throughout the years. I submitted my divorce papers to Virginia Housing Development Authority ( VHDA ) several times and they are not helping me stating I need his signature. If he ignored a court order of signing the house over to me how am I suppose to get a signature from him? I have not seen nor spoken to my ex since 2004 and I do not know his whereabouts or whether he is dead or alive. I am not able to remove his name from the mortgage/deed because he is unfound. I keep explaining the situation to VHDA and they offer no assistance even though their website states say to contact them if you are having financial trouble. I can't apply for any modifications or forbearance during the Corona Virus due to this ongoing situation and I do not want to go into foreclosure. I've made all mortgage payments and I have 12 years left on the loan and when I need assistance VHDA turned their backs on me. It's great to see other institutions are helping their consumers during the pandemic but not the VHDA in my situation.
Product: Consumer Loan

This loan is with XXXX originally. I had difficulty paying back in XX/XX/XXXX and was eventually able to pay back XXXX of XXXX balance by XXXX. But had trouble setting up arrangement and balance went to collection agency Integrated Recovery Services. In XX/XX/XXXX this agency contacted family and friends staying I had committed fraud and they were threatening to file criminal charges. Since XXXX I have paid back XXXX more but agency continues to call when I request correspondence only by email. Refuses to take payments by mail and did not charge debit card on two occasions. This is not a criminal matter but civil credit debt. Yet agency says they will keep charging to criminal court and threatened to raise costs.
Product: Checking or savings account

On around XX/XX/XXXX, I opened a savings and checking account with Citi bank. I received a letter to verify my address. I submitted a utility bill for verification. After a week, I was told that my account is locked because verification was not received. According to XXXX, they had accessed the utility bill but did not act on it. My account was shortly closed and I was told that my funds would be mailed. I have contacted Citi bank multiple times and have been unable to receive a response as to where the check is. It has been more than 14 business days since the check has been supposedly mailed. Each time I call for verification of the check, I am told that it may take 4-6 weeks where as initially I was told 5-7 business days and that it had already been mailed.
Product: Credit card

The company authorized a prior authorized user who was removed from a former account to charge purchases to that account when the account was closed. The company advised in writing that the account was closed and the authorized user removed on XX/XX/XXXX. The charges for those purchases were transferred to my then current account. The company has removed some of the charges but as of XX/XX/XXXX, {$79.00} remains in dispute. On the pretense of resolving the dispute, the company misappropriated a payment submitted for a charge in the amount of {$140.00} on XX/XX/XXXX and applied it to the {$79.00} balance in dispute on XXXX XXXX, XXXX, claiming the {$140.00} was disputed. When notified the {$140.00} was not disputed, the company reaffirmed its resolution on XX/XX/XXXX. 
The company received my formal dispute by certified mail on XX/XX/XXXX and was required to resolve by XX/XX/XXXX, maximum 90 days from receipt. 
In applying the {$79.00} disputed balance to the {$140.00} prior payment, the company changed the amount in dispute and is thereby required to provide explanation of any change in the amount disputed. The company did not provide that explanation in its statement of resolution or otherwise. 
Both actions violate the Consumer Credit Protection Act.