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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

Deposited a check which was initially put on hold for 7 days. Then unexpectedly put on a 90 day hold. I need my money this is ridiculous.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX Wells Fargo drafted unauthorized payments from my checking account, causing me to incurr NSF charges in the amount of {$35.00} for the month of XX/XX/XXXX and {$210.00} in XX/XX/XXXX. XX/XX/XXXX payment in the amount of {$2500.00} and XX/XX/XXXX {$11000.00}. I had told that the payment would be refunded within 24 hours on XX/XX/XXXX. This has yet to hhappen, Supervisors XXXX XXXX XXXX and XXXX XXXX XXXX had both listen to the recording that I had not authorized and requested my acount number to deposit or reverse the fee 's. On XX/XX/XXXX XXXX XXXX @ XXXX indicated that he was not refunding the money and conneccted me with the office of the president. During a recorded conversation, i was told that I would recieve a call back in 72 hours. Its been weeks and no call. Now im not recieving call for my mortgage payment, 'm being charged a {$12.00} fee to make a payment over the phone. Ive inclured {$180.00} return check fee on both loans. I'vee aso been told that if I have another returrn check on my mortgage I will no longer be able to make a payment over the phone. Clearly retiliation and Extortion. Also to review my payments are now fulluy amortized and i should be at the 18th year but they have me paying them off in 23 years on both loans. My previouse loan had more of my!! XXXX payment going to principal than with the new loan. It doesnt add up to the thruth and lending although my moortgage balanced increase.
Product: Debt collection

In response to Consumer Bureau : XXXX Doctors Business Bureua To Whom It May Concern : The Affidavit was typed! 
Please be advised that I have received your correspondence dated XX/XX/XXXX. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up complaint to ensure the verification of this account : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} This account has not been validated despite the multiples request to do so. I am here to reinclude this account for another investigation for I believe it is reported erroneously.
Product: Mortgage

I am requesting your assistance in obtaining a corrected Certificate of Satisfaction from Chase Mortgage Services , Inc. ( Chase ). 

In XX/XX/XXXX my husband and I purchased our home in XXXX, Virginia and the mortgage company, XXXX held the mortgage on the property. XXXX went out of business and Chase assumed ownership of the mortgage. In XX/XX/XXXX, when the lien was released, Chase made an error on the release of lien which indicates page 2203 and it should be 2293. 

From XX/XX/XXXX to XX/XX/XXXX, we have refinanced our home several times and a title search was conducted on each loan and we were never advised of any issues with the release of the lien. 

In XX/XX/XXXX, my husband and I were attempting to obtain a line of credit from XXXX XXXX XXXX XXXX. When a title search was conducted on our property, the search revealed that the Certification of Satisfaction issued by Chase has an error on it. 

XXXX XXXX, the loan coordinator with XXXX XXXX XXXX XXXX, advised us the issue and sent an e-mail to Chase requesting that a corrected Certificate of Satisfaction be prepared and filed with the court. Chase never responded to her, nor to us indicating that they were going to issue a new Certificate of Satisfaction. 
The ultimate issue is that when we sell our home in the future, it can not be sold without a corrected Certificate of Satisfaction. It is our understanding that the only way we can resolve this issue is to hire an attorney and communicate with Chase. I do not believe that my husband and I should incur the cost of hiring an attorney to get this issue resolved. Chase made the mistake and they need to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

Complaint Details : Company Name : Equifax Issue : Failure to verify disputed accounts, failure to provide verification documents, reporting incorrect addresses, possible FCRA violations Date of Incident : XX/XX/XXXX ( the date they closed the last complaint ) Complaint Statement : I am filing a formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) due to its failure to properly investigate and verify disputed accounts and incorrect addresses on my credit report. 

On XX/XX/XXXX, and XX/XX/XXXX, I disputed multiple incorrect addresses, unauthorized collections, and charged-off accounts. Equifax responded on XX/XX/XXXX, deleting some items but failing to provide legally required verification for others. 

Equifaxs Clear FCRA Violations : Failure to Provide Verification Documents FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) requires that if an account is verified, the consumer has the right to know : Who was contacted for verification. 
What documents were reviewed. 
Equifax failed to provide any documentation, making their verification process legally invalid. 
Failure to Remove Unverifiable Information FCRA 1681i ( a ) ( 5 ) ( A ) states that if an account can not be verified, it must be deleted immediately. 
Equifax continues to report incorrect addresses and unauthorized collection accounts without proof. 
Failure to Correct or Remove Incorrect Addresses I disputed multiple addresses that do not belong to me, yet Equifax failed to remove them, violating FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 
Failure to Provide Data on XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX These companies are reporting collection accounts against me, yet Equifax failed to provide : Proof that I owe these debts Original creditor documentation FCRA 1681s-2 ( a ) ( 1 ) states that only accurate and verifiable debts can be reported.

What I Want the CFPB to Do : I request that the CFPB : Force Equifax to provide the legally required verification documents or immediately delete the disputed accounts and incorrect addresses. 
Investigate Equifaxs dispute-handling process for clear FCRA violations XXXX 
Impose financial penalties on Equifax for noncompliance with federal law. 
Equifax is violating federal consumer protection laws, and I demand the CFPB take immediate action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in XX/XX/XXXX these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

account : XXXX XXXX XXXX XXXX with XXXX XXXX. 

The company posted to my credit report a late payment. I have never been late before, I payed in advanced. I spoke to XXXX and was told the issue had been taken care of. I filed a complaint with the credit bureau and XXXX continues to reject my correction request ... 

The account has since been payed off and there is a XXXX  balance. My only issue is that they will not correct the error, and I have a late payment showing in my credit report.. Please help.
Product: Debt collection

I sent   XXXX   XXXX   a Debt Validation letter which stated that and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. I also asked for them to pro vide me a 1. breakdown of fees including any collection costs and medical charges. 2. Provide me a copy of my signature with the provider of service to release my medical information to you. 3. C ease any credit bureau reporting until the debt has been validated by me.   I am allowed to request this under the FDCPA.     In return i received a generic statement saying that the debt is mine .    XXXX   XXXX   did not provide any of what I was requesting to validate the debt.
Product: Checking or savings account

On XX/XX/XXXX  I was charged $ {$74.00} in overdraft fees for " pending '' transactions without my account ever being truly overdrawn on the statement. When I asked to provide more information, they told me it is due to overnight processing and that they " predicted '' my account being in the negative. I called and asked to provide me details as to why and if they can reverse the fees since my account was never overdrawn. The call was escalated to a manager so I can make sure they understood my issue. XXXX ( manager ) was extremely rude, kept telling me that i was interrupting him when I was asking him to explain what happened. XXXX asked me to pull up an overdraft notice which had a different balance on it that what I would see online or through the mobile app. when I asked him how this is different, he said I was interrupting him, when I asked to speak to his manager he said no and hung up on me. I called again and they reversed one of the overdraft fees but not the other because they have a 1 fee max reversal policy. I feel like this is abusive practices when the account holder is not able avoid this fee. 

My ending balance on XX/XX/XXXX  was {$51.00}, XX/XX/XXXX  was {$11.00} and on XX/XX/XXXX  {$1200.00} so I am a little confused to why I would be charged overdraft fees when my account was never really overdrawn.
Product: Credit card or prepaid card

I received an introductory offer. I just bought a new homeand was renovating the heater and AC. XXXX representatives were here offered me credit at at 9 % the Wells Fargo offer was for 0 % no teanfer fees so I called Wells Fargo on my cell phone, the agent took my information but told me that i only qualify for XXXX XXXX dollars. So i advised her that i did not want the credit card and she asked me if i deined the card which i said yes. I received a bill which i didn't open stating that XXXX was sent to my XXXX card. I noticed an XXXX repayment on XXXX, they adbised me that Wells 3sent the electronic payment so XXXX card resent the payment which Wells Fargo told me to hold on to it. Now i have been trying to get resolution and today i called again a d was ts that Wells Fargo doesn't send out resolution letters, theres3no phone recordings and i am out XXXX, i can't speak to anyone. I need help grom these thieves.
Product: Credit card

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. 

Please remove immediately the following accounts : Bestbuy/Cbna XXXX  XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for my free credit report online at Annaulcreditreport.com. I picked Equifax to get my report from. After fill out all of the information it said I could not get my credit report and I had to call the customer care team. It gave me this phone number to call 888-Equifax. I called them on XXXX at XXXX XXXX. I talked with XXXX. Before talking to her I had to reverify all of my information again before speaking with her. She said that I could not get my credit report. If I wanted it I would have to have one mailed to me. I told her I didn't want one mailed to me and that was the reason why I applied for it online. After telling her several times I wanted online. She wasn't listening to me and was going to send it to me by mail. I asked for a supervisor. She was resisted wanting to send me to their supervisor. She finally did transfer to the supervisor. Her name was XXXX. She did the same thing. I don't understand why I could not get it online if I applied for it online with annualcreditreport.com. Equifax is not giving our credit report as stated on the web site very quickly. You have to wait 4 to 6 weeks for one! Wow! One other thing I will say also is while I was on the phone with XXXX I heard people in the back ground making laughing sounds and snorting their nose several times while on the phone with XXXX. You would think for a credit reporting company that they would be more professional than that and helpful to the customer. What I want done is for me to get my report on line from Equifax plus an apology from them to!!!
Product: Mortgage

Summary : U.S. Bank refuses to transfer the appraisal ( which I paid for ) on my home to XXXX, forcing me to purchase another home appraisal to work with XXXX. 

Other institutions have the practice of transferring your appraisal, but because U.S. Bank refuses to do so due to company policy. Their company policy on home appraisal transfers is anti-consumer. 

XX/XX/2019 I applied for a mortgage with U.S. Bank to refinance my home and receive an offer. 

XX/XX/2019 I take time off work to be home for House Appraiser appointment. 

XX/XX/2019 I receive the PDF summary of my home appraisalXX/XX/2019 I get a better offer for a mortgage from Loan Depot and confirm that they can use my home appraisal, provided that U.S. Bank transfers the appraisal to them. 

XX/XX/2019 I cancel the mortgage offer with U.S. Bank and am charged about {$930.00} in fees ( which include the cost of the appraisal ) XX/XX/2019 I try to get U.S. Bank to transfer my home appraisal to XXXX but they state that they do not transfer appraisals due to company policy.
Product: Debt collection

I used XXXX XXXX XXXX  for internet and cable service. I called to cancel my service and they sold me on a lower level of service at a lower cost which I agreed to. I moved to a new house about 10 months later and they charged me {$200.00} after I cancelled. I called them to dispute the charge and they told me that it was due to equipment that was not returned and I told them I had proof that I returned the requested equipment and they told me I was all settled. A few weeks later I start to get calls and letters from Sunrise Credit Services about the charge and I told them I already took care of it with XXXX XXXX XXXX, but they persisted. When I asked what the charge was for they said it was a cancellation fee for my service which XXXX XXXX XXXX never disclosed to me when I changed my service over the phone and never disclosed to me after the phone call. I never agreed to a service that included a cancellation fee. Sunrise Credit Services has also reported this to a credit reporting agency which has impacted my credit score and reflects as an unpaid debt on my report. I want these charges removed, debt cancelled, and credit reporting corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached a identity report, I did not authorize these 5 inquiries. I am requesting my written instruction and my wet signature giving these companies permission to pull my consumer file. I also have a right to privacy. The following inquiries : 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: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies that have been reported on my credit report. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I kindly request your assistance to rectifying the following errors : 1.Account name : XXXX  Account number : # XXXX Inaccuracy : Incorrect information on balance, payment history, account status, comments and dates. 

I have attached supporting documents that substantiate the inaccuracies mentioned above. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into these inaccuracies and take the necessary steps to correct or remove the erroneous information from my credit report. 

Additionally, I would like to emphasize that the continued reporting of inaccurate information reflects negatively on my creditworthiness and financial standing. I kindly request that you update my credit report promptly to reflect the accurate and up-to-date information.
Product: Debt collection

I HAD MEDICAL INSURANCE AT THE TIME OF THE SAID DEBT COLLECTION CREATION DATE. I HAVE MADE MULTIPLE ATTEMPTS TO CONTACT THIS CREDITOR AND THE ONLY THING THEY HAVE SENT ME IS A LETTER SHOWING I HAD A MEDICAL EXAM. THIS IS NOT RIGHT