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

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$6100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed a two new accounts showing that doesn't belong to me. XXXX XXXX XXXX in the amount of {$3900.00}, And PARAGON REV in the amount of {$680.00}. 

I spoke with someone over the phone for both accounts and they said that there was a medical debt in my name. I have no medical debt. I informed them that the debt was not mine. they told me to bad so sad. I then spoke to the hospital XXXX of XXXX and explained what was going on. I was once again turned away, telling me they don't care and i need to report this with someone else. 

XXXX XXXX and PARAGON REV have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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, States a consumer reporting agency can not furnish an account without my written instruction 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 7 years. 
U.S.c 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relation to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is not accurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumers reports to the purposes listed under section 1681b of this title.

15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer if given an explanation of how the consumer can exercise the nondisclosure option. Experian, XXXX XXXX Experian XXXX XXXX XXXX XXXX never notified or informed me of my right to exercise a nondisclosure option. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this type of information and I did not give a written consent. Any and all consent to Experian whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) According to the Fair Credit Reporting Act, 15 USC 1681 section 602 says " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with respect, impartiality, and fairness for the consumers right to privacy. Experian, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. It is to my knowledge that I have the right to make sure my private information isn't shared.
Product: Mortgage

I would like to add to the complaint - # XXXX I have attached letters from Mr. Cooper since submitting my complaint, I do not want my house foreclosed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX5 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
Product: Credit card or prepaid card

I am making payments of twice the amount due for minimum payment due. I have  two separate balances on the same card, one is standard purchases at 13.99 %, the  other balance is a promotional 0 %. The promotional rate expires  XXXX . The credit card company is taking my payment and applying the minimum due to the 0 % balance and then applying the remainder to the 0 % balance also. My 13.99 % balance is increasing every month with interest charges as ALL monies go towards the 0 % promotional balance. As I understand the regulations, they are supposed to apply the overage to the HIGHER rate balance. I have spoken to this bank, they say that what they are doing is by their policies, I informed them this was my next step, to file a complaint, they were not concerned. I can not pay off the 13.99 % balance or reduce it until AFTER the 0 % is paid in full. These balances are in the thousands, that is not an easy task.
Product: Mortgage

My home was scheduled for and sold in an online auction. The auction and sale was illegal and I was never contacted the from the original lender the contact was breach the terms of the contract changed the servicer and lender and investor have committed fraud snd theses documents are fraud and not the original terms. I originally sent a letter to servicer Shellpoint and XXXX XXXX XXXX XXXX XXXX They never answered me then and they misled and I was never informed that The was going to change and that my loan was sold to XXXX XXXX XXXX. I tried many times to cancel my pmi and asked why was I paying all the extra fees for property preservation and FHA mi XXXX XXXX XXXX XXXX. My loan was paid year. Ago. Ive been complaining and have asking questions and Ive have never been given a response or answers. XXXX XXXX has never sent me any letters I did not know that they were the investors. I believe that Im owed my title to my house. I have been treated unfairly and many people are involved and its corrupt white collar organized crime and my due process rights and have been repeatedly violated and there has been paid politicians who is a house representative and was. The title and home insurance broker agent XXXX XXXX XXXX. I have never meet this person and I did not sign or authorize this and the information on the insurance application is all wrong I have been trying to get this information corrected and theses two company have been misleading and lying making and recommending s c
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed letters to Transunion, Equifax and Experian asking them to validate bankruptcies that were on my credit report. Case # XXXX, Case # XXXX and Case # XXXX On XX/XX/XXXX I called the bureaus to see if they had received the letters at Experian, I spoke with XXXX in the escalation department he said they had received the letter and gave me a case # XXXX. At Equifax and Transunion, they said they hadn't gotten the letter. 

XX/XX/XXXX I called Equifax and spoke with a young lady in the escalation department who told me they got a letter, but it wasn't regarding the bankruptcies I told her the letters were mailed out on the same day she was very unconcerned I asked for her manager she said she was the highest person in their department. 
I told her since she is so unconcerned I will be filing a complaint with CFPB.
Product: Debt collection

XX/XX/XXXX To Whom It May Concern, I am reaching out to you for assistance with XXXX entities that have provided less than adequate basic customer service. Both XXXX XXXX and Advantage Financial Services, LLP have lied, falsified documentation, harassed violated Fair Debt Collection Practices Act, the Fair Credit Reporting Act and failed to respond to a qualified written request. 
This began with my daughter ( XXXX years old ) needing XXXX. We were referred to XXXX XXXX for services. On XX/XX/XXXX we arrived for her appointment and filled out paperwork that included the insurance information for my ex-husband with XXXX XXXX and my insurance with XXXX, among other information provided. Copies of both insurance cards were taken as well. 
I am attaching a complaint letter as it exceeds your allowable characters here.
Product: Mortgage

We sold our house and closing was on XX/XX/XXXX. Funds were wired directly to Nationstar Mortgage on that day so they had the funds in their account. As you know XXXX loan can not be funded until the other loan has been satisfied. Due to the XXXX holiday Nationstar did not credit my account with the payoff until XX/XX/XXXX. They are now reporting me to credit bureaus as being not one time late but 2 reporting XX/XX/XXXX and XX/XX/XXXX as late. This has impacted my ability to refinance my mortgage and the rates offered. We have repeatedly requested that they address this situation but they refuse to remove the incorrect reporting to the credit bureaus sending form letters every time we ask them to review the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and/or XXXX XXXXXXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX  and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from Transunion and XXXX. Another report was pulled from XXXX on XX/XX/XXXX and my XXXX XXXX dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from TransUnion and XXXX  ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while TransUnion and XXXX still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to TransUnion, XXXX and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!
Product: Payday loan, title loan, or personal loan

I called in to set up a payment to come out on XX/XX/2019. When I spoke with the representive I told her I wanted to pay a little more than the payment. She stated that you shouldn't go over the amount paid cause it would not be applied to princple. I asked the representive what happened to all the money that has been overpaid on this account. The representative stated that it may be in your reserve. Once she got back on the phone she stated that there was nothing in the reserve account because I have been delinquent since the start of my payments for this account. I asked could I speak to a manager. A manager was placed on the line I told her that the information was incorrect and I should not be delinquent on the loan because I am paying what is due per the online website. I told her if there was a past due amount it was never told to me and does not say that on my account once payment is made. I told her I pay whatever is should on my profile. This means that you all ( Lending Point have been inaccurately reporting negative information on my credit and also have inaccurate information on my account via the website that I ( the customer ) is unaware of. The manager stated that she would speak with the tech team to let them know of the issue and that she can only modify the loan to remove the late payment. The manager also stated that any overage that I have been paying goes to the interest of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate and investigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is imperative that consumer reporting agencies like XXXX and XXXX operate with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my private information, as outlined in 15 USC 6801. Financial institutions, including furnishers of information to credit agencies, are obligated to protect customer privacy according to Congress ( 15 USC 6802b ( c ) ).

However, I have not given my consent for XXXX, XXXX, or any furnisher of information to credit agencies to share my data. The law ( 15 USC 1681 section 604a ) states that consumer reporting agencies can furnish a consumer report only with the written instructions of the consumer. I have never provided such consent, verbal, non-verbal, written, or implied. Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must inform the consumer about their right to opt out of data disclosure, which the furnisher failed to do in my case. For multiple Accounts Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially if it antedates the report by more than seven years. XXXX and XXXX are violating this provision by reporting adverse items without my permission. 

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is illegal to furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to prevent violations of the law. 

Lastly, according to 12 CFR 1016.7, I have the right to opt out of reporting services at any time. Therefore, I am choosing to exercise my right to opt out and revoke any consent given, explicit or otherwise, for XXXX, XXXX, and any furnisher of information to credit agencies to share my personal data.
Product: Mortgage

Roundpoint Mortgage took over my loan 6 months ago not by my choice. Ever since then I 've had nothing but problems. I have paid my mortgage and esgrow for 11 years and have been transferred to XXXX diffrent banks without issues. First this company dropped the ball on my insurance info and tried to put me on there insurance than 4 months later I got a statement saying I was XXXX dollars short acording to there Esgrow Anyalis Department they tried raising my monthly payment from XXXX to XXXX a month becuase they estimated my property taxes to go up double that is totally bogus. I have never been that much short ever I 'm a Vetran on a VA loan and I understand taxes and insurance go up but to raise my payment from XXXX to XXXX becuase there analysis department projects that which is completely bogus after talking to my local tax appraisal is XXXX I worked really hard and refinanced to keep my monthly payment low and when I called there bank all I could get is sorry that 's what our analysis department projects. There is no way on a homestead your taxes jump XXXX dollars in 11 years they went up XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed a debt with all three credit reporting agencies requesting that they update the balance as {$0.00} and remove this debt from my credit report with XXXX XXXX to go balance of {$4000.00}. All three credit reporting agencies ( Experian, XXXX, and XXXX XXXX ) did not remove this debtXXXX XXXX XXXX to go was settled on XX/XX/2022 with payment confirmation number of XXXX. XXXX XXXX also confirmed that this debt would be removed from my credit reports. Experian, XXXX, and XXXX XXXX never did what I requested ; which is update my balance as {$0.00} and remove this from my credit reports.
Product: Checking or savings account

I signed up for a checking account at https : //banking.citi.com/cbol/checking-tiered-offer/default.htm that promised a {$400.00} reward if {$15000.00} is deposited within 60 days. I've fulfilled all the requirements in order to be eligible to receive the promotional reward. Customer support confirmed multiple times that I met all the requirements and that I would receive the reward. I should have received it several weeks ago but I'm promised " next week '' every time when I contact customer support. I'm very frustrated at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had the incorrect Name, Social Security Number, Date of Birth, Address, and loan history. After submitting several disputes with documents like my Social Security Card they have only fixed my name and rejected the others. I was able to call the company that gave out the loan and they said the information doesn't match mine, but Equifax refused to remove the loan or correct the other information. Equifax spent less than 24 hours " reviewing '' my dispute before it was rejected.
Product: Credit reporting or other personal consumer reports

I am writing to contest inquiries on my credit report that I believe are not legitimate. After reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. It seems that someone may have used my personal information without my consent to initiate these inquiries. I kindly request that you investigate these unauthorized inquiries and promptly remove them from my credit report. I have included a copy of my credit report highlighting the inquiries in question for your review. 

The following inquiries are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain information from my file. The items I deleted are listed in the attached report. I did not authorize these actions. 
I demand to see verifiable proof ( An original consumer contract with my signature. ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be deleted Please remove these items from my file as soon as possible. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

Dear Consumer Finance, Navy Federal Credit Union has maliciously targeted my account, using their online banking system. I haven't had access to my account via website, for approximately XXXX hours. The company claims there aren't any ongoing issues. However, I've had to repeatedly make contact with the institution via phone, while visiting another country. Based on their malevolence, I have not been able to conduct buisness in the United States or overseas, unless XXXX speaks with an agent. Consequently, each time I've made contact with an agent, the wait times have exceed XXXX minutes. Ironically, the XXXX 's had common knowledge regarding my upcoming whereabouts and placed me under the impression, these acts are intentional. 

Furthermore, the institution has not been able to process my dispute for an unused, {$200.00} " E-Bay Gift '' XXXX. I do not want to do buisness with " XXXX '' now, or anytime in the future. If possible, would you please make contact with the institution to resolve the issue pertaining my {$200.00} gift card and, accumulation of fees/inconvenience while speaking to an agent from another country? 

Concerned XXXX Veteran, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Account # XXXX is not up to date. The negative information on it needs to be deleted. I have spoken with 3 reps and the was told the ( 1 ) 30 day late payment was not supposed to be on there because the system was down and did not allow payment to process. The following day it was deducted from my account however it still reported late not due to my fault. This was paid and has been on time for a long time. Remove this late payment from XX/XX/2020 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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.