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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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/year>
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 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. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title 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. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX and XXXX XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 that the information is inaccurate. 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 consumer reports to the purposes listed under section 1681b of this title. Transunion and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of the above mentioned companies reporting services.
Product: Mortgage

My understanding is that my Private Mortgage Insurance is {$70.00} per year which is confirmed on my account when I login to my account ( I have included a copy of my account to confirm this lists as an annual amount ). I noticed this after a review of my escrow account due to a separate issue of an increase that needed to be corrected. I contacted the lender to advise and was told I could receive a complimentary escrow analysis on my account. After a review, I see that I have been being billed the annual amount monthly at $ XXXX. Based on this showing as an annual premium, it should only be {$5.00} per month. The representative again advised that they would be willing to provide a complimentary escrow analysis that would reflect the mortgage insurance and also the homeowners premium cost which was also incorrect. I was not told that this amount would be corrected and feel its been an overcharge based on what I see on my account. It is clearly listed as an " ANNUAL PREMIUM '' yet has been charged monthly for that amount. I would like to have this corrected as the servicer was not able to provide any insight or resolution other that a complimentary analysis of my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2018 about fraudulent charges on my XXXX Credit card. I contacted XXXX  about the charges who could not provide any information about the charges and stated that they were not linked to my account. I went into a local store who pulled up my XXXX  account and again had no further information and could not see any information about the charges. I contacted customer service to file a fraud case, they then advised they were submitting a dispute and I would see the XXXX credits on my account. I thought this was kind of odd since I advised this was fraud but I dont know there policies so I thought the rep knew what she was doing. I have not heard or received anything since this date. I know get email that states I have a past due balance of almost double what I reported which appears to be fees. I have not received any notification of a case. I have been sitting on hold for the last hour and will continue to wait as I wait for assistance but this is completely wrong and a perfect example of poor business practice. I was advise the issue would be resolved and was never contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Student loan

XX/XX/19 Auto pay benefits were cancelled because of one auto loan payment was reversed. 
I contacted the company but would not direct me to a supervisor. Giving me the run-around and putting Menon ridiculous wait times. 
I have suffient funds in my account. 

I have made loyal auto payments for the past few years and they cancel my benefits to lower my interest rate because of one incident. Navient was forced upon me and I have no choice but to agree to predatory terms and agreements.
Product: Mortgage

I filed bankruptcy in 2013 at that time my lawyer informed me i was elgible for the hamp program papers were file and the program were granted the new loan under this progam were set at 2 % for the first 5 years and my payment were $ XXXX.since then in a two and half year span my interest rate has remain the same 2 % but my mortgage has increased 3 times i am now at {$930.00}. which is now more than my original payment which were $ XXXX./monthly before entering into this goverment program .I dont think this program were intended to run this way because i am now in a wosrt hardship now than before the program. No notification are ever given and no reasonable explaination are ever given.This program were created to help people stay in their home with this server of my loan now i will loose my home and i have never missed a payment.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) Ally Financial balance {$92000.00}, XXXX XXXX XXXX balance {$22000.00}, XXXX XXXX XXXX balance {$810.00}.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I hope this letter finds you well. 

Upon recently obtaining a copy of my credit report, I identified multiple discrepancies that require your immediate attention. These discrepancies include unauthorized inquiries and conflicting information across different credit bureaus. Specifically, the discrepancies pertain to differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The accounts in question are as follows : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2023 XXXX XXXX Inquiry Date : XXXX XXXX, 2023 In accordance with 15 U.S. Code 1681e ( b ), which mandates the implementation of reasonable procedures to ensure the maximum accuracy of the information contained in an individual 's report, I request that you provide complete documentation related to these accounts. This documentation should include : The original contract bearing my wet signature. 
Full transaction history from the date of account opening to the present or closure. 
Any other documentation used to verify the accuracy of the accounts. 
Additionally, as stipulated under 15 U.S. Code 1681i ( a ) ( 5 ), in the event that any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is obligated to promptly delete or modify the erroneous information and notify the furnisher of such action. 

I trust that you will conduct a thorough investigation into this matter. Should you be unable to provide verifiable proof within XXXX business days following your investigation, I expect the disputed accounts and/or information to be expeditiously removed. 

Enclosed, please find copies of my identification and a utility bill to verify my identity and address. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Checking or savings account

I was a victim of fraud. XXXX contacted me saying they renewed my account and if I didn't want it renewed I had to call them. I called the number provided. While on the phone with them they were able to take full control of my cell phone and desktop computer withdrawing money from my accounts. Meanwhile they are telling me on the phone they are trying to return my subscription money. My daughter came home and discovered they did not take XXXX from me they took XXXX and western union it to themselves. My daughter called the police and they came to the house and actually spoke with the hacker and the officer told him to call back and he did on the recorded police line but the police officer watched him dial from my phone that is when the officer informed us he had complete control over the cell phone and desktop computer. We reported it to Huntington Bank immediately and they put in a fraud investigation. Huntington is saying it was authorized. The police officer said they have the recorded call and can have access to it. With the hacker having complete control over my phone when Huntington bank sent the text message if I made the transaction it's common sense who replied to the text. The hacker did. I did NOT authorize XXXX to ANYONE. So now Huntington has determined that this was authorized charge when it was NOT. I live on a VERY limited income of XXXX and social security. I can't afford for this to happen. I also filed a complaint on the FBI website for elderly fraud.
Product: Debt collection

I received a summons from the Sheriffs office that I owe Sam 's Club XXXX I sent a letter asking for more information because all the account number except the last four were erased with a black marker. The same with the social security. 
I received a lot of statements but again no verification I sent the second letter and I received statements again and somewhere it says verified. 
Who verified it? 
I flip the pages and I see that I have to answer the following interrogatories. 
I never received the purchase agreement and the bill of sale either.
Product: Prepaid card

Bank of America froze my account that had XXXX $ on my unemployment benefit prepaid card XX/XX/year>. 
I tried to talk to Bank of America and XXXX unemployment office but never could get the right direction on recovering the account from being frozen. 
I just now seen a post online about Bank of America having to pay back millions to people of frozen accounts like mine so I need help getting my account back please
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR DBA MR CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

REF. ) : Account # XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication.

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is True Accord using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & True Accord has yet to provide such clarity. Making any loan null and void According to True Accord they received my private personal identifying information from XXXX  XXXX. NEVER! Did I give XXXX  such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give True Accord my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to TRUE ACCORD who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of True Accords gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

True Accord has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}!. I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be XXXX Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. 

Attached is an invoice payable to my name.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

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

The credit reporting from this company is riddled with changing inaccuracies. In XXXXXXXX XXXX  it reported me as being 30 days late with my XXXX payment. Then in XXXX XXXX it correctly removed the 30 day late on my XXXX payment but replaced it with a 30 day late on my XXXX payment. The in XXXX XXXX it correctly removed the 30 day late on my XXXX payment but both incorrectly put a 30 day late for my XXXX payment AND showed me as owing {$180000.00} -- my original loan amount was {$20000.00} and I owed about {$18000.00} The bottom line, this companies reporting is haywire. I have tried to speak with them to address these numerous, changing inconsistencies but they have been almost as erratic with their customer service. 

For the record, I am paying down a {$20000.00} loan and I have never been 30 days late with a payment.
Product: Debt collection

I have been recently informed that there is negative information reported by your company, Wells Fargo, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see and entry listing a balance of {$790.00} as of XX/XX/2020. 

I challenge the accuracy, compliance and report-ability of this listing. I have no knowledge of every doing any business with your company. Please validate this information and provide me with copies of any documentation associated with this account, BEARING MY SIGNATURE. I am keeping careful record of your actions, including your Method of Verification. I don't consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this complaint letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX XXXX to validate my credit information. At the time in XX/XX/XXXX I found four items that were incorrect on my XXXX credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The fourth item was not removed as the company stated that the item was indeed correct and mine. I called, XXXX and spoke with an associate who submitted a new dispute for me requesting that the company, Wells Fargo provide me with proof that the item belongs to me. The dispute was done on XX/XX/XXXX on XX/XX/XXXX, I received and email from XXXX stating the dispute was complete and that the item was confirmed by Wells Fargo. <P/>I called Wells Fargo on XX/XX/XXXX and was transferred four time to no avail. On XX/XX/XXXX. I called Wells Fargo again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from Wells Fargo in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with Wells Fargo in XX/XX/XXXX. Wells Fargo is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused severe XXXX and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report with 100 % accuracy. 

According to the Fair Credit Reporting Act, all information on my credit report must be reported with complete accuracy. The accounts in question violate FCRA regulations, specifically under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ), which mandate accurate reporting. 

Attached are copies of all correspondence I have previously sent. I urge your agency to promptly rectify these errors and ensure that my credit report reflects accurate and verified information as required by law.