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

I am a victim of identity theft and the XXXX  data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to XXXX, TransUnion, and XXXX  on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, is in violation! 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax 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 Equifax, XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 Equifax and XXXX are consumer reporting agencies and I am the Consumer 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.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. Equifax 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 your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX enter into a consumer credit transaction with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does include cash, but XXXX XXXX XXXX XXXX took cash, The finance charge is suppose to include Insurance, but XXXX XXXX XXXX XXXX made me purchase insurance separately. 
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXXXXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692j ( a ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692f ( 6 ) ( a ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 2 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit c that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692f ( 1 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692k ( a ) ( 1 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 1 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 1 ). 


According to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt
Product: Mortgage

i have been sending electronic checks to my mortgage company for a year. The checks were processed ( according to my bank ). The checks i sent weren't enough to cover my mortgage because my mortgage payment increased almost doubled because of the home insurance. i had no idea. so, they told me that they mailed the checks back to me. i havent received any of the checks the amount is around {$10000.00}. I am trying to get to verify that those checks sent back to me havent been cashed and apply that amount to my account. XX/XX/20 i called and they told me that on XX/XX/20, it would go back on my account and i could pay the difference to get my home out of foreclosure status. today i called and they said they i would have to pay the full amount first and then they would work on the uncashed checks. ive called them about 11 times and have gotten 11 different answers on what to do.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 card or prepaid card

I have had a card with U S Bank for three yr ( or longer ) and never missed a payment plus I am not over limit never have been and I recently have had some problems so my credit is lower I am working diligently to get all my cards paid and never miss payment. U S Bank decided to jack my interest rate to 23.74 % because they ran a recent credit report. The reality is they are screwing the consumer and with this interest rate I can never climb this mountain and get them paid. This is usery. If they want to help someone like me they could but this is just XXXX the little guy when he is down. I had two cards wsith them Both had never had late payment or been over limit. The cut the limit on the other which negatively impacted my credit score because it affected by utilization percent and now they have done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Requested an investigation on 3 Collection items that were reporting to my credit report. Requested verification from XXXX XXXX account # XXXX, # XXXX and # XXXX twice. Once in XX/XX/XXXX and again XX/XX/XXXX. I requested validation from XXXX XXXX XXXX  and I have not yet to receive any response from them. The credit bureaus Equifax and XXXX  deemed these3 accounts verified. I want to know how it is that they were able to verify this account when I saw I received nothing from the collection agencies myself proving verification. I'm asking the CFPB to step in and help me resolve this issue. Thanks
Product: Debt collection

Law firm is using illegal practices to collect on debt. Has not provided original documents and they are not the original creditor to my knowledge. Around XX/XX/XXXX, I received a call from an unknown number. They claimed to be collecting a debt in my name but did not even say the name of the firm when I returned their call. I told them I had no recollection of the debt, especially since it was from XXXX. I asked for proof to be sent to my home. We set a date and time for the courier and they assured me that they would more than likely be able to deliver paperwork during that time. I even scheduled time off of work to sign for the paperwork. After the day came and no one showed, I realized that they failed to confirm the address on file for me when I spoke to them. The address that they have for me, I have not lived at since XXXX. This resulted in me not seeing documents until they were served to my place of employment even though I expressed willingness to pay once I saw the documents and was sure that it was not a scam since the alleged debt is all the way from XXXX. This was clearly done on purpose since they only had until XX/XX/XXXX to garnish me.They lied about obtaining signatures on certified mail and I am citing improper service and will be taking other steps to remedy this. They have never provided me with the original paperwork from the alleged creditor
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 15USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
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 validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Earlier today, I came across inaccurate accounts on my credit report, and I have no clue how they ended up there. I check my credit report regularly, but this time, I noticed unexpected errors. I attempted to refresh my browser, thinking it might be a minor glitch, but the inaccuracies remained. Due to this situation, I am requesting a detailed review of the documents Ive provided so that I can put this issue behind me.
Product: Debt collection

WELL FARGO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TRIED TO GET THESE COMPANIES TO REMOVE THE XXXX INTEMS FROM MY REPORT, I HAVE SENT DOCUMENTATION OF BEING THE VICTIM OF IDENTITY THEFT
Product: Checking or savings account

I opened a checking account with HSBC in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX they are telling me that I haven't used the proper link. I am CONFIDENT I have used the proper link. This is ridiculous, they have the worst customer service. Before giving me this nonsense answer they were telling me they need my application number, why would I have this, thats their internal information, I am giving them account number now. 

However, I used the proper link and this makes no sense, please get it resolved
Product: Debt collection

This account was open in XX/XX/2017 an unpaid medical with a balance of {$520.00} I have no contact information I have no idea of what services I received to accrue this amount
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX Has Been removed from my Experian account and they were reporting on my XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

Delta American Express Skymiles credit card failed to honor its rewards miles after I have spent the required {$3000.00} in the first XXXX XXXX of account opening. I have contacted Amex about this 3 times over the course of the last XXXX XXXX. Their position was that my card was not eligible for the bonus miles because when I applied the card, the website had a popup window alert me to this fact. I denied that I ever saw the popup window when I applied the card, and had I seen it, I would not have gone through with the Delta Amex Skymiles application because I could have used the spending to earn other rewards with my other credit cards. Amex then promised me to investigate this with their IT department to show evidence that the popup window was indeed present during my online account application process. I inquired about the status of their investigation twice and they told me they haven't heard anything from their IT, and the investigation was closed. I ask to open the investigation again and they agreed, but when I later asked for the status, they said again investigation was closed, and again no evidence was produced. The whole back and forth and gone on for over XXXX XXXX and now I feel I have no choice but to file this complaint.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX  file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 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. I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. Enclosures : Copies of my dispute letters Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. Sincerely,
Product: Mortgage

My mortgage was sold from XXXX XXXX to another company Freedom mortgage the fall of XXXX and there have been issues with payments being applied to my account since. 

The initial problem began with the payment not being sent to the new company. When the problem was brought to my attention in XXXX of XXXX. According to my records/bank statements. XXXX full mortgage payments of XXXX were drafted from my bank on XX/XX/XXXX ( confirmation # XXXX ) and XX/XX/XXXX ( confirmation # XXXX ) to bring my account current. My bank statements confirm that these payments were processed. 

On XX/XX/XXXX, I received another call from Freedom mortgage that my account had fallen behind due to an increase in my mortgage payment. At the time ( XX/XX/XXXX ), I was given transaction IDs from a Freedom mortgage agent for XX/XX/XXXX ( XXXX ) ; and XX/XX/XXXX ( XXXX ) for my initial on time payments for each of those months and was told an additional payment in the amount of {$65.00} for each month XX/XX/XXXX and XX/XX/XXXX was due to balance my account. Confirmation of payments through my bank ( XXXX XXXX XXXXXXXX ) and ( XXXX # XXXX ) I then received that same day ( XX/XX/XXXX, a confirmation number # XXXX confirming the payment drafted from my bank in for amount of {$130.00}, which was the total for both the XXXX and XX/XX/XXXX additional payments. 

Though I continued to make on-time payments through the bill pay system through my bank to Freedom Mortgage. During the winter of XXXX, I received a call from Freedom Mortgage regarding the issue that had already been resolved on XX/XX/XXXX. At the time, I asked for a payment statement and did not receive it for several more months. 
I received a call on XX/XX/XXXX that my account was behind due to missed and late payments. However, my bank statements do not reflect any late or missing payments since the XXXX XX/XX/XXXX adjusted payments. 

I submitted the following information to my Freedom Mortgage account on XX/XX/XXXX and the issue was never resolved. At the time, upon reviewing my bank statements for the past XXXX months, I counted XXXX full payments/transactions to Freedom Mortgage which include XXXX full payments in the month of XXXX of XXXX ( to account for the missing payment due to mortgage companies switching. ) However, to date I continue to receive communication Freedom Mortgage that my account is past due. And late fees and penalties continue to be applied to my account. Being that my bank statements provide proof of these payments made each month, I have made attempts to resolve the matter but my attempts have been unsuccessful.