23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Over the past 6 years I have been filing many complaints ( reminder, I am legally XXXX And XXXX yrs old with many XXXX related illnesses that can cause severe affects due to ongoing and constant XXXX ) with you the CFPB and have sent in so many documents regarding so many wrongs done to me by XXXX XXXX XXXX XXXX XXXX. Here is Another, the accounting has been once Again played with by XXXX XXXX XXXX XXXX XXXX. Now also in regards to the " escrow account '' ( I pay my own ) and I only stopped making mortgage payments ( XX/XX/XXXX ) after 29 years of regular payments since obtaining of my proof of fraud on XX/XX/XXXX in regards to the note and mortgage original documents being Falsified and my signature forged. XXXX XXXX XXXX XXXX XXXX is aware!. Please see the uploaded " accounting '' of the so called escrow account. Again I paid Regular payments until XX/XX/XXXX due to new proof of evidence of fraud. Please compare the figures, one says I owe over {$1000.00} and the other says {$29.00}. Also my credit has been Dinged by XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX when they started harassing me by sending a person to spy on me at my home once a month calling it " Corporate advances '', and monthly charging me for " Inspection Fees '' still going on. The dinging of my credit is and has been going on that long! causing continuous damages and still continues! Please see most recent upload regarding " credit dinging '' even though the foreclosure process has been put on Hold, due to the enormous illegalities of this Attempted illegal foreclosure. Please see all attached files. I tried to upload more from my credit monitoring XXXX XXXX but ran into technical difficulties, but it goes from XX/XX/XXXX through to XX/XX/XXXX my credit being dinged for major derogatory by XXXX XXXX XXXX XXXX XXXX. If need be I can contact this company for a more complete and detailed proof of this ongoing and regular dinging of my credit causing more And more damages.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were fraudulently opened in my name and illegally reported to XXXX upon request to remove information with legal proof such XXXX police report ftc report ect and is still reporting fraudulent information after I sent in correct information for investigation
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I have contacted XXXX on several attempts to investigate and remove items from my credit report.. they have failed to investigate the account but in stead in 5-7 days update on the file verified with no explanation of how and what was verified.. the account are XX/XX/XXXXfor XXXX, XX/XX/XXXXfor XXXX, XX/XX/XXXXfor XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXXXXXX for XXXX, XX/XX/XXXX, XXXX {$780.00}, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After a careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 
- Relevant Law : Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681s-2 ( a ). 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 
- Relevant Law : Fair Debt Collection Practices Act ( FDCPA ), Section 15 U.S.C. 1692. 

XXXX XXXX XXXX XXXX XXXXXXXX ) : - Violation : Insufficient or inaccurate information provided about the account. 
- Relevant Law : FCRA, Section 15 U.S.C. 1681s-2 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 
- Relevant Law : TILA, Section 15 U.S.C. 1601 et seq.

XXXX. Settlement Office ( # XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 
- Relevant Law : RESPA, Section 12 U.S.C. 2601 et seq. 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 
- Relevant Law : FDCPA, Section 15 U.S.C. 1692.

I have personally experienced the devastating impact of these violations on my financial stability and overall well-being. These violations have resulted in increased interest rates on loans and credit cards, making it exceedingly difficult to secure affordable credit when needed. The emotional stress has been overwhelming, affecting my sleep, straining my relationships, and causing a pervasive sense of hopelessness. 

I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I kindly request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute significantly to restoring my financial standing. 

Enclosed with this letter are copies of relevant documentation, including correspondence with creditors and evidence of the violations. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I made timely payments on a mortgage with Select Portfolio Services XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXXXXXX  until XX/XX/XXXX. I filed bankruptcy in XXXX  that was successful and again in XXXX  which was unsuccessful, but this obligation stopped showing up in my credit reports. 

I have made on-time auto loan payments to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and am still making on-time payments for this loan. This, also stopped showing up in my report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} -Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} -Collection XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

IDENITY THEFT REPORTS AND POLICE REPORT AND FTC REPORTS ALL BEING UPLOADED BECAUSE OF IDENTIY THEFT.
Product: Debt collection

I have disputed this account multiple times within the last year with Commonwealth Finance in regards to this account not being mines and needing to be taken off of all consumer reports. I NEVER have been to the client whom they are trying to bill for, which is XXXX XXXX XXXX, ever in my entire life. This is a false account and demand it to be taken off of my report. The collection agency claims to have taken if off my reports XXXX/2017, but it still has yet to be removed and it 's XXXX XXXX, 2017. I have attached proof from my complaint with the BBB that the agency is to have this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the XXXX credit reporting act 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, amd a respect for the consumers right to privacy. Equifax XXXX and XXXX  are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt 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 non-public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under title 15 USC 1681 section 604 ( a ) 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 which it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies equifax XXXX XXXX ( Furnisher of information to credit agencies ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent weither it be verbal, non-verbal, written, implied or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that, A financial institution may not disclose no public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my no disclosure 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 USC 1681s-2 ( 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. 15USC 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. 12 CFR 1061.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Debt collection

DIVERSIFIELD CONSULTANTS INC HAVE VIOLATED FCRA RIGHTS. 
They have reported to XXXX XXXX on XXXX XXXX, 2015 on an collect account as a new account. First of all, this account was originated over 5 years ago and was included in a Chapter XXXX BK. second of all, they never advised me of the new reporting. It is very illegal for any company and a clear violation of my FCRA rights to report to any credit bureau on an old account as a new one.
Product: Checking or savings account

I have overdraft protection with ocean first bank up to {$900.00} the first time they refused to pay my overdraft and sent all payments back ad NSF they did refund fees the second time they paid the places and charged me more overdraft fees I can not afford these fees an explained to XXXX and the manager I am unemployed waiting for my social security this XXXX but they refuse to help.
Product: Credit reporting, credit repair services, 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 Account # XXXX, Account name : # XXXX XXXX Account name : # XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 
Chapters
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it 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  Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I purchased a car from AFS Acceptance approximately 2 years ago. After numerous conversations with them and some unethical statements said to me by their retention " specialists '' I chose to do a voluntary repossession. The account has been closed and they have done a " charge off '' on the account. However, I keep getting credit reports that they are continuing to increase the amount of the past due balance even though 1. I do n't have the vehicle, and 2. I 'm sure they sold the car and got something for it at auction. I never received anything from them after they took possession of the vehicle stating that they sold it and how much they got for it and how much do I truly owe on the account. This type of company needs to make sure that they get their information corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  2 late payments XXXX Closed 4 late payments XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX XXXX XXXX XXXX Closed 36 potentially negative months XXXX  XXXX XXXX Closed 1 late payment XXXX XXXXXXXX XXXX Closed 21 potentially negative months XXXX XXXX  XXXX Closed 39 potentially negative months XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX XXXX XXXX  XXXX  Balance updated XX/XX/2021 2 late payments XXXX XXXX XXXX XXXX Closed 3 late payments XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX  Closed 40 potentially negative months
Product: Consumer Loan

Over charging of interest on auto loan. I purchased a XXXX Volkswagen Jetta on XXXX XXXX, XXXX in the amount of {$20000.00} and on XXXX XXXX, XXXX I went to trade the vehicle in and was told that I still owe {$19000.00} and the value of the vehicle is only {$6000.00}. I called to speak with a representative at Santander Consumer USA with whom I have the car loan with and they confirmed that the payoff amount for the vehicle is {$19000.00}. I inquired why I still owed almost the same amount on the vehicle after paying {$520.00} for 24 months that I purchased it for and was told that the simple interest loan that I have draws interest everyday whether I make on time payments or not and that they added to the {$20000.00} an interest amount of {$17000.00}. I told the representative that amount was not disclosed to myself and the co-signer on the vehicle. Back in XX/XX/XXXX I had to defer two payments and then another two payments in this fiscal year due to a car accident I was in and could not work. I would desperately like for someone to help me with this problem as I would like to trade this vehicle because of so many mechanical problems. Thanks in advance for an help you can give.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Debt is not mine and this debt is old. They keep reporting this old debt on my credit report. This should be removed as this has already been disputed several times with this company. I am requesting a internal investigation and removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Factor Trust consumer center you state that you do not report to anyone but you also state that XXXX gets information from you I understand XXXX owns you but but XXXX is using your information you get from where ever that makes you a consumer credit reporting company { right } enclosed are documents that you provided to XXXX that you state you dont keep .I request that all information on myself be frozen at one, you state it can not be frozen we have a { right to privacy law } that was enacted this year FREEZE any information about me at once use the FCRA to contact me about this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX is reporting as a delinquent account on my credit bureaus with over 10 outstanding late payments. However, The account is current and has never been past due where the account is paid off in full. I am trying to go for a mortgage loan and these wild inaccurate accusations of having over XXXX late payments is severely hurting my credit and unallowing me to get approved for any credit card, home loan, leaving me in a bind of a situation. I need XXXX, XXXX and Equifax to respond to my demands that I have sent them the past 6 months and get on timing as well as XXXX to update this account status to current when it is not delinquent and was never past due. This is extremely wrong and if they can not have this fixed as reporting proper across all XXXX bureaus I want this account removed from all XXXX credit reports as no one is answering my demands or acknowledging me down to the creditor which leaves me no choice but to pursue legal action at this point.
Product: Prepaid card

On XX/XX/year> I went to an ATM to withdraw cash. I put in the wrong PIN.The company ( Skrill ) in locked my card. I have no access to {$1200.00}. I went home thinking that this would be an easy fix. It has been anything but easy. It's been over XXXX hours and I am still locked out of my account.They want me to provide a picture front and back of my ID next to my face. I have done this 3 times. With multiple pictures each time I have sent them. I went in to my photos on my phone, and noticed that everything was clear and easy to see. Except for my ID. I have submitted photos XXXX separate times. I also called the company. On the morning of XX/XX/year>. They told me that I was just going to have to wait, and that it wasn't a big deal. I have no money, no groceries, and can't afford to get to work tomorrow. I googled reviews about Skrill, and they are notorious for blocking people from their money. Seems like this company is not doing what it should be. It's harmful to my mental health.
Product: Credit reporting or other personal consumer reports

I have been calling daily to recieve assistance in this serious matter. I have not recieved any useful help and this and it is affecting my lively hood. These account are inaccurate, false, and i require them to be remove within the next XXXX business days. XXXX, XXXX, Experian has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has recieved written consent from me to report this onto my consumer report now they reporting anything, even things that dont belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the accounts below belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX