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

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number:1XXXX  Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX  XXXXXXXX XXXX Account NumberXXXX 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.
Product: Student loan

I signed up for PSLF back in XXXX and have made well over 120 payments yet my total still says only 75 payments in the portal of my servicer. 

I consolidated in XXXX and was told that all payments made prior to the consolidation do not count. I was never made aware of this when I consolidated my federal loans. 

My original loan balance was $ XXXX but now it is over XXXX XXXX dollars due to compounding interest. I have consistently worked for a nonprofit since XXXX and always made my payments and completed all necessary PLSF documentation. I detrimentally relied on this program when choosing a profession in the nonprofit sector. 

As you will notice that from XXXX to XXXX payments were adjusted to {$0.00} yet the servicer is refusing to count these 60 payments. I have attached the payments that the servicer is refusing to include.
Product: Credit card or prepaid card

My first complaint was resolved after you contacted them. 
You closed my complaint # XXXX because " it has been resolved ''. 

Please note that above complaint is a totally different problem. 

So they gave me the credit of {$1000.00} after 4 months, however that charged attached account {$1000.00}. Attached account is firstly a closed account and second charged me the {$1000.00} that they credited to my then open account. 

I am therefore not paying them a dime BUT I am afraid that they might report me to the credit bureaus as " late payment ''. 

PLEASE help me on this one. I feel that they are intentionally doing this to harass me. I am getting stressed out by them. I have also waste a lot of time since the credit issue. 

Thank you.
Product: Mortgage

My home was damaged by a massive tornado and hail in XXXX. I have been very sick and out of work since XX/XX/XXXX. I used my mortgage payments to pay for removal of massive trees that were uprooted and thrown on my home due to safety concerns along with repairs to deck railings. The insurance company sent funds to mortgage company and mortgage company will not pay my arrearages nor will they return my funds to me to pay them. They keep giving me different stories and holding my funds. There are still Thousands of dollars in repairs to be done, but contractors will not even come out for estimates now because they know they will not get paid and they cant afford to wait 6 months for their money either. This is fraud on part of the mortgage and insurance company. 

Caliber loss draft department XXXX XXXX XXXX XXXX, oh. XXXX XXXX The insurance company also sent another check that I refuse to endorse, because my ex husband is no longer on the deed. They already put a stop payment on it. {$1700.00}. They want we to send it back to them????? 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from who I thought was my creditor ( Kay Jewelers ) but was a collection agency. We agreed to settle the account to resolve the matter. 
I received my letter of settlement on XX/XX/20 and realized that they were not the original creditor but an agency and my creditor sold them the account. i asked when can see the status of my account updated. They advised that they do not report I would have to submit a dispute with the credit bureau to resolve. 
I submitted my dispute requesting that they update my status as settle for less than full balance. 
The credit bureau advised that they refused. I contacted my creditor and advised that they are required to update my cbr to reflect the correct status ( Settled ) the said that they have no obligation or responsibility to do so the account was sold. I than advised that if you are going to take the time to report than you do have a responsibility to update or remove it. 

I asked to speak with the supervisors, supervisor. She would not let me speak with anyone and continued to talk over me and yell at me. I advised that I would contact corporate and did. 

Since they sold the account I would like them to remove from my cbr since they claim no responsibility in being compliant with the credit bureau reporting act. and refuse to update my information as it truly stands.
Product: Mortgage

I received a letter from my mortgage company that my mortgage had gone from {$990.00} a month to {$2000.00} a month. When I called my mortgage company they said it was because my insurance was so expensive and they were very condescending to me. I called and got new insurance. When I spoke to the new insurance agent he said there was something terribly wrong. I called XXXX  back they said they had made a mistake and sent a check for {$4000.00} to a wrong insurance company and once they got the check back they would update my mortgage payment. I also received a check back from the second insurance company ( because XXXX told me that was the cause of my mortgage going up so much ) that I immediately turned over to XXXX. After they put all the money back, my mortgage payment was still {$1100.00}. That is {$170.00} more than it was prior to all the insurance mistakes. I have spent countless hours on the phone with insurance companies and the mortgage company and I still have no explanation why my mortgage would go up that amount.
Product: Debt collection

On XX/XX/XXXX a man knocked on my door an gave me a package of Summons. 
The tittle of the summons is In The XXXX County Court In And For The State Of Washington XXXX Division- XXXX CourtHouse . 

Plaintiff, Bank If America, N. A. 
NO. Summons. Lawsuit has been started against me. Plaintiff claim is stated in the written document complaint, a copy a copy is served upon me with this Summons. 

This Summons is issued pursuant to Rule 4 of the Civil for Courts of Limited Date this XX/XX/XXXX. From XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX ; XXXX. WA XXXX. 

This is Electronically File on XX/XX/XXXX. XXXX XXXX County District Court. 

Current balance amount of {$17000.00}. 

America Bank N. A. was merged into and under the charter and file of Plaintiff effective XX/XX/XXXX 

This collection is not mine, be cause back in XXXX I was the most valuable customer in Bank of Mercia.  Also, I have no currently the owe such an amount. 

Please give an advise what to do. 

Thank you, XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, Equifax failed to adequately secure my personal information, including my Social Security Number and date of birth, resulting in the dissemination of my information to hackers, and eventually people who purchase this information for fraud. This breach involved myself and millions of others. Equifax failed to notify me in a timely manner, I only discovered the breach through an article in the XXXX XXXX XXXX, over a month after it happened. I received no contact from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affid
avit of Demand by XXXX XXXX XXXX XXXX  OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.
2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. Date : XX/XX/XXXX/2017 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Mortgage

We closed on a refinance on XX/XX/XXXX. Our homeowners insurance was due on XX/XX/XXXX. We received a notice of cancellation for the policy for XX/XX/XXXX. I have been in contact with my mortgage holder by both telephone and email in an attempt to get this paid. As of today ( XX/XX/XXXX ) the bill was still not paid. To avoid cancellation, I paid the premium out of pocket. My mortgage holder is Prime Lending.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from XXXX of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
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 XX/XX/2019 for collection XXXX XXXX XXXX/ XXXX XXXX # XXXX $ XXXX.Experian and XXXX 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: Checking or savings account

Bank was switched from Simple to BBVA, I was locked out of trying to open an account and have been unable to access my money for 2 days now. Have called BBVA multiple times, am either hung up on disconnected. My access to my entire checking account is gone - I can not access any of my money. 
BBVA did not attempt to email customers, only found out what was happening through searching on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}
Product: Vehicle loan or lease

On XXXX XXXX I went to XXXX  to look at a vehicle. 
Ally accessed my credit report illegally and created a forged contract on XXXX XXXX. 
They refuse to act legally. Ally was never given permission to access my credit or create a contract with a fake signature on XXXX XXXX. Evident in the ProoXXXX provided.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX and the company XXXX XXXX Florida XXXX made inquiries on XX/XX/year> that I do not recognize. 
TransUnion : XXXX XXXX XXXX and the company XXXX XXXX Florida XXXX made inquiries on XX/XX/year> that I do not recognize.
Product: Checking or savings account

On XX/XX/2021, I opened a XXXX XXXX  account at TD Bank. XXXX XXXX XXXX was the XXXX XXXX who assisted me, XXXX. Since the day that I opened the account, I've had some problems. For example, the day I opened the account, the ATM Card machine went down, so I had to swing by the Bank the next day, to pick up my XXXX XXXX XXXX. Then, someone either switched my ATM card or placed a few codes on it that prevented me from paying the XXXX XXXX. I had to call TD Bank Customer service to have the problem fixed. At times, there's a computer glitch when attempting to log into my online account. 
Time went on, I began to see charges that were not supposed to be on my account. I escalated the problem to the Executives after being mistreated by the XXXX over the phone. The Executives credited my account {$18.00}. Later that week, I walked into a nearby branch and had my ATM card switched. Upon obtaining a new card, the bank employees were able to see that I'm the one who makes all the transactions that were being reflected on another person 's account. Time went on. Someone found out my account has nothing to do with the other account, so I guess they went back to square one.They did something to my card that prevented me from paying public transportation fares. I had to call the bank and email XXXX. 
Now, as of this morning, XXXX, I got charged " Paper Statement Fee '' and Maintenance fee on a XXXX XXXX account, first time. After month XXXX. If I'm not mistaken, there's on a fee if the person does not make more than {$500.00} deposits XXXX something like that ). I've deposited over XXXX XXXX dollars ( monthly ). So, were these fees removed MANUALLY from my account the same way the XXXX XXXX fee of {$48.00} were deducted MANUALLY by a third party? If so, this needs to end. That's a crime! Nobody should be allowed to hack or view another person 's account and MANUALLY deduct money. This is why I'm sending this CFPB complaint.
Product: Credit reporting or other personal consumer reports

Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all XXXX Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities. 

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights.

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since XX/XX/XXXXin attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding previous complaint XXXX. At Experian 's request, I am resubmitting complaint with requested info to block information shown on the FTC fraud complaint form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : XXXX XXXX XXXX XXXX I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : XXXX  XXXX XXXX I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I completed a CFPB complaint on XXXX, XXXX, Lexis Nexis, XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. XXXX  also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.
Product: Checking or savings account

On the afternoon of XX/XX/XXXX, I received text messages notifying me of declined charges on my debit card. Shortly after, I received a call from someone claiming to be from my bank, informing me that they were locking my card. The caller read my card number and PIN to me, then asked me to verify them. Afterward, they claimed to have locked the card and said they would activate my fraud notifications again. They proceeded to send more messages to my phone, with instructions to first decline the verification and then accept the second one. 

After the call, I became suspicious and thought I might have been scammed. While I was on hold with my bank 's fraud department, someone began withdrawing funds from my checking account and attempted to transfer money from my secondary checking account as well. The transactions were listed as being made in XXXX XXXX, XXXX, while I was in XXXX XXXX, XXXX. 

I filed a claim with my bank for a total of {$1800.00}. However, my claim was recently denied, with the bank stating that either I made the transactions or I gave someone permission to withdraw the funds.
Product: Credit card or prepaid card

Barclays Choice Privileges Visa card has lowered my credit balance three times in the past few months. I called them back immediately two times, and the representative for Barclays raised the credit limit to its original credit limit immediately. On XX/XX/XXXX, the third reduction in credit was discovered via a credit report. ( XXXX ) This unfair business practice has the consumer at risk. When Barclays decreases the credit line, it adversely compacts my credit score for having a high balance of credit usage. The negative impact on a credit score can take months to recover, and the fees associated with a lower score from all creditors will impact the consumer with no recourse. This practice has no warning or even an attempt to communicate with the cardholder. This practice feels like credit card bullying, which seems to be a common practice for Barclays. 

An example of my complaint : Previous Balance of {$7000.00} and a credit limit of {$10000.00}, which equals a 70 % loan to the credit limit. When they decrease the credit limit to {$7200.00} with no warning or allow the consumer to make corrections, it changes the loan to a credit value of 97 %. This business practice impacts the current and future cardholders because Barclays/Choice Privileges Visa can impact future and downline credit opportunities with this practice. This is pure credit manipulation and consumer bullying.