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

To whom it may concern I am writing you to inform you that you are reporting transactions that does not include my consumer report.

- XXXX XXXX In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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.

Thank you so much for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX  XXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$31.00} ; XXXX XXXX Balance : {$540.00} ; XXXXl XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate on my Experian file as XXXX charged-off accounts. This account was included and XXXX in my Chapter XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX 30 days late I have submitted letter from Mortgage Company never late, still will not report accurate. 

I have called, submitted online and certified mailed letter from XXXX mortgage showing proof that my account has never been late and should be reporting accordingly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people
Product: Mortgage

My monthly mortgage went up by almost XXXX dollars. I was never notified of this by my mortgage lender. I'm a single parent and It's going to be hard for me to pay my mortgage. When I spoke to the mortgage lender they told me it's because my property taxes when up. I told them that my property taxes went from XXXX a year to XXXX, XXXX. How can they just send me a bill that I used to pay XXXX and now I have to pay XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and there are inaccurate name variations, addresses, and employers listed. 

INACCURATE NAME VARIATIONS XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS XXXX XXXX XXXX  XXXX, XXXX XXXX, OH XXXX - THE FOLLOWING ARE INACCURATE ADDRESSES XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX MY EMPLOYER IS XXXX XXXX - THE FOLLOWING ARE INACCURATE EMPLOYERS XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On the months, of XXXX, XXXX, and XXXX of year 2023  I sent over a verification letter to Equifax Credit Berau. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.
Product: Debt collection

I was initially contacted by this agency and informed about an alleged debt. I then informed them of my bankruptcy case, and the inclusion of the original creditor they were attempting to collect on behalf of. 

The call stopped for a little over one month, then I began to receive credit monitoring alerts regarding a collection being reported. 

It turns out this company just, up and decided to start trying to collect during an automatic stay after they were notified. 

I contacted them regarding this new collection reporting, and they indicated that their compliance department handles this, but they could n't transfer me, nor could they talk to me.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .We have been advised that the loan does not qualify for a loan modification due to the income submitted showing the ability to afford. The client income submitted is roughly 10,000. with expenses around 8,000. We feel the lender has failed to take in to account the borrowers change in circumstances and ability to now pay due to the change in hardship. We feel the lender has handled the file improperly and failed to consider all factors.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX #, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxx XXXX XXXX XXXX XXXX XXXX xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit card

Due to multiple attempts to login last month and again this month the TD Bank Target RedCard system errantly ( because it is not programmed appropriately ) forced my on time payment last month to post a day later resulting in a {$30.00} late fee which I adamantly disagree with! 
I tried to pay my bill yesterday to avoid this same issue and suffered a XXXX XXXX XXXXXXXX fiasco that resulted in me changing my password and trying to log in from at least XXXX different browsers before I was finally able to login and pay my bloated double the amount minimum monthly payment. 
The fact that this almost happened again really XXXX me off because I absolutely do not want to deal with you again about anything like this. You are the only one this terrible on issues like this. 
This issue for XXXX further proves that I am right and that I need to have that {$30.00} late fee from XXXX reversed! I PAID MY BILL AND I PAID IT ON TIME!! You absolutely should not penalize and mistreat your credit customers who are and who are trying to pay their bill!!!!!!!!!!!!!!!!!
Product: Money transfer, virtual currency, or money service

I live in NC and bank with a local bank, on XX/XX/22 my bank. XXXX XXXX XXXX  XXXX wired my daughter who is a student in the XXXX {$3500.00}. The US receiving bank was HSBC USA, and they were to send the fund on to the XXXX bank that my daughter banks with, which is also HSBC Bank XXXX. The funds never made it to her acct. and the funds have been sitting with HSBC us. My bank has tried a doz times to reach out to them and ask them to return the funds and they will not reply to any emails sent. Also 3 months later I still have not received the funds back and my local bank feels that they have no more options on how to get my money back or forward it on to my daughters acct. Any help you could do, I would be very great full as this money was for her living expenses over the next quarter for school. 

Thank you, XXXX XXXX
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. The afore mentioned accounts have violate my rights per the following laws : 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

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX
Product: Credit card

XXXX is ending it 's relationship with XXXX XXXX and in doing so is transferring all of their credit cards to XXXX XXXX cards. I have not applied for a XXXX XXXX XXXX and yet a new card is being issued in my name. How is this possible. I do not want a new visa card and I did not apply for one. According to XXXX and XXXX XXXX the only way to cancel this card is to cancel my XXXX card or wait until XXXX XXXX and then cancel the new XXXX card. Either of these items will show up on my credit report. I am very unhappy with XXXX and XXXX XXXX that they can open a new account in my name that I have not applied for and never do I want. Is XXXX so large that it can do whatever they want with my financial records? Shame on XXXX and shame on XXXX XXXX!
Product: Checking or savings account

I have a safe deposit box with the Bank of America, XXXX XXXX XXXX, XXXX  XXXX, XXXX, New Hampshire. 
Banking Center Name : XXXX XXXX, NH Its imperative for me to have access to the inormation kept in the box but upon arrival -and after checking on line that it was open- the bank is closed. I called customer services and I was told that it will take 3 business days for someone to call me and set up an appointment. 

Its totally unacceptable-even in COVID 19 time- that the bank doesnt notify customers that they are closed or provide a telephone number to set up an appointment. 

Thank you for your consideration of this issue. 

XXXX XXXX
Product: Mortgage

Grenn TRee LLC Has been charging me for home owners insurance since XXXX of 2015 with uot my knowladge or concent. They also made a payment to my own homeowners policy XXXX with out my knowladge or consent. They then shorted my escrow account for the month of XXXX and are now asking me to pay for it. For some unknown reason for the month of XXXX 2015 my mortgage payment went from {$1400.00} to only {$840.00}. I called them XXXX and asked why and no one could give me a clear answer only sumizing it was for the insurance charnges. Now they are asking me to pay for a {$530.00} escrow shortage? Can you please investigate these discrepencies? Thank you.
Product: Checking or savings account

I had been living in the XXXX XXXX for a couple of months when I flew back to XXXX XXXX XXXX in XXXX of 2022 and opened an account with Bank of America. Everything was great, no issues. Then all of a sudden I was robbed and my card was stolen in the XXXX and I requested a new one. I tried activating it several times it didnt let me I tried having my mom call the number to be able to activate it, and it didnt let her because I later found out it had to be my number to call them to be able to activate the card. During that process she also tried to go to an ATM and activate it but she couldnt. Days after, I realized fake checks were being deposited into my account. I dont know if when I lost my card in the XXXX, the ones that stole it were able to get into my account. I have no idea. I tried to contact Bank of America, they said they couldnt help me because my number didnt match what they had on file and even after giving them my private information I was not being helped. The day after my account was suspended, I no longer had a bank account. I tried contacting Bank of America again and nothing. They did nothing to help me and there was nothing I couldve done since I was in the XXXX TAKING CARE OF MY SICK GRANDMA. I write that in caps to emphasize how frustrated I am that they are doing this to me when those checks were clearly deposited in the United States during a time I can easily prove I was in the XXXX. They did not bother to ask for any of that information. With all the stress and money problems I had while taking care of my grandma, I left it alone. Then I tried to open up a XXXX bank account and it wouldnt let me. Because of what Bank of America did to my record. If this doesnt get fixed I will be filing a lawsuit against Bank of America XXXX This is just unjust and extremely unprofessional. I thought banks took care of their customers instead of exiling them. Instead of sending me alerts of fraud, emails, or ANYTHING, they decided to just close my account. I hope this will be resolved and doesnt get any further in the legal aspect. But if it has to go there, I have receipts, screenshots, time stamps, locations, everything I need to take this to court and prove how unjust this bank has treated me.
Product: Money transfer, virtual currency, or money service

I used Zelle and there was transactions that I did not authorize and some that I sent to the wrong person and they would not return the money. When I called them they said there was nothing they could do for me. Even though there was no warning that the money couldnt be returned if it was sent to the wrong person. This was about XXXX or XXXX
Product: Student loan

My student loan was with Salle Mae, about 27years ago. I consolidated in XX/XX/XXXX and made payments accordingly. in XX/XX/XXXX I  refinanced and made a lump sum payment to Salle Mae for XXXX dollar and another {$2300.00}. to pay off the balance of my student loan. I have had no communication with Salle Mae since then, until 2 years ago i started getting call from Navient saying I was in default and how much money can i pay to bring my account current. of course i did not believe this was legitimate, since i paid off my student loan and did not know of Navient, i thought they were scam calls. The calls still kept coming, when finally i ask for proof. The proof sent to me was a copy XX/XX/XXXX promissory note, which does not prove that i had a balance. I call Navient to explain how i happen to owe a balance after my lump sum payment -they said they would look into my account - i ask for a copy of they account history. I finally got a copy a couple months ago. It show may lump sum payment, but no balance after the payment was posted, but a lot of other charges over the years to the tune of {$26000.00}. I ask how is it that after 10 years they are now contacting about this issue. I have no explanation. I have now contact Navient, XXXX, XXXX, XXXX XXXX. They threaten garnishing my salary, my Social Security, my taxes. but no explanation of the balance which they claim I owe.
Product: Payday loan

The lender or merchant, Rapid Cash or Speedy Cash, obtained and fraudulently charged my debit card without my authorization on an outstanding balance from 2007 in the amount of {$800.00}. This transaction was not authorized by me and the statute of limitations of six ( 6 ) years has been exceeded in the state of oregon. I have contacted the merchant XXXX, and XXXX times they have been uncooperative and refusing to return my monies back to me. I have disputed the transaction with my bank and have filed a police report as I feel that the merchant has commited a crime. I 've also reported the merchant to Oregon District Attorney, Consumer Protection Agency and the Attorney General of their fraudulent activity and in attempts to get my monies returned to me. This unauthorized transaction took all of my paycheck that was also direct deposited on XXXX/XXXX/15, leaving me with literally no monies at all for the next two weeks, most importantly basics like living expenses ( i.e. food, transportation expenses, necessities, needed medication refills such as XXXX, etc ) and for bills that are now going to be past due ( i.e. rent, utilities, car repair, etc ).
Product: Debt collection

I have tried to contact the collector over the last several days to have items removed from my report that are not mine. The company is not licensed in the state of florida and will not remove items that are not mine, I was told they bought out a company and obtained the debt from them even though those debts were removed by the old company from my report. 

this is the email is ent this morninhg they refused to send me there lincese and legal department names ... ..... 

Please be advised that the following debts do not belong to XXXX XXXX. See attached Documents. We have several times called emailed and mailed over the last few weeks with no response by anyone to resolve. 

Today we copy the CFPB, FTC and our lawyers to come after you for {$1000.00} per debt that you wrongful and illegally placed on our credit reports. 

They are to be removed at once, Attached is the licensing agreements with the XXXX  which you are not licensed to collect debts in the sate of Florida, If this is a valid debt the following must be provided 1.the original WET signature on any contract 2.The original Creditor information 3.Payment and billing history 4.Proof of ownership and authorizing for the debt These are not my debts attached i never seen these people they must be removed
Product: Mortgage

Hello, I had a mortgage with Home Point Financial and was in a forbearance due to Covid ( My Husband worked for XXXX XXXX. The forbearance is from XX/XX/XXXX - XX/XX/XXXX. 
During the entire forbearance process I have been told that, due to Covid, the amount would be pushed to the back of the loan. 

My loan was then sold to XXXX XXXX effective XX/XX/XXXX. I received a notice from XXXX XXXX advising that the loan is in default. 
Called XXXX XXXX and was told the loan is due and they will not offer a deferment. 
Called Homepoint and XXXX on three way on XX/XX/XXXX. Spoke to XXXX at Homepoint ( agent # XXXX ) and XXXX at XXXX  ( asset Manager ). 
XXXX states loan is XXXX XXXX and DOES qualify for deferment of total amount at the end of the forebearance. 
XXXX states that XXXX doesn't service loans backed by XXXX XXXX so that is impossible. 
XXXX forwarded the loan origination documents and the loan IS backed by XXXX XXXX 
Homepoint then reported my loan 120+ days late to the credit bureau XXXX I have sent them an email, and they said it will be under review for 30 business days. 
Why was my loan transferred to a servicer who doesn't service XXXX XXXX? Will the deferral be possible? Why am I reported late while on a forbearance? 
I am extremely concerned and want a resolution.
Product: Debt collection

I sent the attached letter to GM Financial certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed this account with Equifax because it was an account that I did not open. I submitted an ID theft affidavit and they did not remove this account from my report. They said it was verified. How can you verify something that is not mine?