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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

I booked a hotel in XXXX CA from XX/XX/XXXX until XX/XX/2024. They lost power for over 3 days and kept insisting the power would be back on shortly so I stayed instead of going to a new hotel. Without power I could not use refrigerator ( and I lost items I had in there ), no microwave, no internet to do my job, etc. 

I contacted the management at the hotel about getting a credit for XXXX days ( of the XXXX I stayed for these issues ) which is {$160.00} of the total bill of {$750.00}. They have never responded. Therefore I asked Citi to get involved ( I paid using their Mastercard ). 

They looked at my dispute and determined it was a " quality '' issue which they said they can not help with. I strongly disagree! I could not use the room I paid for! I did not get the services they promised to me. 

So, I am writing asking you to take a look at the issue to see if you can help. 

Thank you very much.
Product: Debt collection

My daughter was born on XX/XX/XXXX. I am filing a complaint against XXXX XXXX and Americollect. XXXX XXXX stopped communication in regards to the account/claim from XXXX. I have been in contact with them from date of service until XX/XX/XXXX. They did not contact me by phone or email to tell me they werent going to bill my PRIMARY Insurance nor that they were sending it to collections. Aside from improperly sending it to collections without collecting insurance payment when given accurate group information. They also sent the same bill to Americollect twice! They put 2 hits on my credit report ( XXXX ) and I lost nearly 50 points due to their negligence and unprofessionalism. My primary ( XX/XX/XXXX ) and secondary insurance ( XX/XX/XXXX) should have been billed before anything were sent to a collection agency and I should have been contacted to complete a 3-way call if the claims were denied or difficulties with submitting.
Product: Checking or savings account

On XX/XX/, around XXXX XXXX there were to wire transfers that were made from my checking account that I did not authorize. Someone had gotten my online banking information and wire XXXX and XXXX dollars to two different banks in two completely different states. Once this first wire was seen on my account, we began to contact chase to freeze the account and start a claim to get the money back. A few days into their investigation on XX/XX/XXXX we received a letter stating that it was determined I had somehow benefitted from these wires or I authorized them which I did not. We are currently still fighting these claims to get the money back and have filed a police report on this manner. The case number for this police report is XXXX with XXXX XXXX badge number XXXX.
Product: Credit reporting or other personal consumer reports

Equifax is in violation of my consumer report, even after I notified Them that I am a victim of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to suntrust bank to open 2 accounts on XX/XX/XXXX and XX/XX/XXXX. The day before the funds were scheduled to be available from the bank placing a hold I was told my account was being closed by suntrust bank. They refused to provide me any reasons and referred me to a consumer agency they used to make this decision. The accounts I set up were on behalf of my son. When a I contacted the consumer reporting agency they stated I had a XXXX XXXX XXXXXXXX account. I never had an account with them and told them it was inaccurate. They refused to listen and told me the info is correct.
Product: Credit card

I initially requested a replacement EPPIC card on XX/XX/2023 from XXXX 's XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. I did not receive the replacement card by XXXX XXXX so I requested another card. 

I never received the card requested on XXXX XXXX. The representative I spoke with suggested that the postal service may be at fault so I filed a complaint with us postal service regarding my mail delivery on XXXX XXXX. I also filed a request for us postal service to find my mail. 

I requested another replacement card on XX/XX/2023. This card never arrived. 
On XX/XX/2023 I called the service center and spoke to someone named XXXX and a supervisor named XXXX. I told XXXX I want to file a complaint against her company and ask that she reissue a replacement card. XXXX suggested that I temporary change my address to a XXXX XXXX XXXX somewhere else. I told her I have lived at this address for 18 years and never had trouble receiving my mail and that I will not change my address. 

As of today, I still have not received my replacement card.
Product: Debt collection

You have included information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proct was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Lexius Nexis to update the Bankruptcy information. Lexius Nexis have been sharing this information with XXXX, XXXX, and XXXX  without my consent. I received a letter from the Court stating they did not share this information with Lexius Nexis and XXXX XXXX. This is a violation of my credit report and rights as a consumer. I received a letter from Lexius Nexis stating to contact the court. I have provided proof from the court it is not shared. It has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account listed under my credit report as US DEPARTMENT OF EDUCATION has violated my federally protected consumer rights to privacy, as well as my confidentiality under 15 USC 1681. 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : US DEPARTMENT OF EDUCATION 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 : 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 ( s ) containing any of the following items of information. Any other adverse item of information other than records of convictions, of crimes, which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any consumer reporting agency if the person knows or has any cause to believe that the information is inaccurate. 

XXXX, Equifax, and XXXX have reported I have a overdue balance on this account for 39 months. They then sent this account to collections without my written authorization or consent. The collections agency then continued to report this false information on my credit report history, negatively affecting my credit health to creditors, and third party companies. 

This inaccurate report of my credit report, and history from XXXX, Equifax, and XXXX of the balance and lack of payment has permanently, and negatively reduced my credit score for many years due to false reporting, inaccuracies, and these XXXXhree agencies in question are responsible.

These inaccuracies are preventing my ability of receiving higher credit scores, better funding opportunities for home loans, car loans, and overall improving my credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I called Carrington Mortgage because I received an escrow analysis letter that detailed my escrow account having a surplus of {$510.00}. My two questions and concerns to Carrington Mortgage Company were if my new mortgage payment effective XX/XX/year> will be {$2700.00} and my current mortgage payment is XXXX which is an increase of XXXX a month for 12 months for a total increase of {$2200.00}. The increase is due to the current escrow payment of XXXX not being enough to cover the increase in my property taxes to {$14000.00}, home owners insurance to {$2700.00} and FHA insurance is {$2100.00} for a total escrow of {$19000.00}. This total {$19000.00} divided by 12 months is an increase to the new escrow payment to {$1600.00}. The increases has created a shortage in my escrow account. My question was why haven't I been given the option to pay the shortage in full {$2200.00} instead of the increased mortgage payment over 12 months. Carrington Mortgage answer from XXXX the customer service agent and XXXX the escalation manager was I didn't have a shortage. My second question is why couldn't my XXXX surplus be applied to the increase in escrow payment thus lowering my overall mortgage payment. XXXX and XXXX answer was I don't have an escrow shortage. Today 's date is XXXX and my call to XXXX Mortgage was at XXXX XXXX XXXX XXXX XXXX This information provided justifies an escrow shortage.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

XXXX initiated an ACH to my bank at Mercury on XX/XX/XXXX. These are routine deposits that typically land the next business day. After being told to wait XXXX business days i followed up with the trace id from XXXX. Mercury said they couldnt locate it and sent me back to XXXX. The team there immediately escalated the situation to XXXX, their payment processor, and came back with the same trace id letting me know it was successfully processed on their end. After going back to mercury bank, they finally said they escalated it and would get back to me in 48 hours. The 48 hours has passed and I still do not have the {$2500.00} available in my account. Mercury bank was first alerted to this on XX/XX/XXXX and has not disbursed my funds or have been able to provide any updates.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information within my consumer report, as provided by your agency. Upon careful examination, I have discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent, potentially violating the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The disclosure of such information to a non-affiliated third party raises concerns regarding my privacy rights, as I was not provided the opportunity to opt-out, as mandated by law. 

After thorough review of the report, I observed that specific accounts are being reported without my written consent. It is important to clarify that my dispute lies not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. 

I refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. Currently, I have not provided such written consent, and I kindly request documentation to validate my consent, demonstrating compliance with this legal requirement. Failure to furnish evidence of my consent could be interpreted as a violation of my rights under the FCRA. 

Additionally, I have lodged a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and the reference number for my complaint is XXXX. I am concerned that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially amounting to identity theft.

In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Unauthorized Inquiry XXXX XXXXXXXX XXXX Inquiry date : XX/XX/ I assert my right to a fair and accurate credit reporting process, underscoring that the expeditious removal of these accounts is vital to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records demonstrating proof of my option to opt out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your timely attention to this matter and the resolution of my dispute within the specified timeframe of four business days. Non-compliance with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.
Product: Vehicle loan or lease

On Friday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, XXXX to test drive a XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The XXXX XXXX was listed on XXXX as a diesel vehicle, and XXXX XXXX XXXX salesman XXXX XXXX said, explicitly, that the vehicle was a diesel during the test drive. He pointed to the " XXXX XXXX '' badge on the exterior of the vehicle as he said this. After a test drive I opted to purchase the vehicle for {$23000.00}, using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) as a trade-in for {$12000.00} with financing covering the remaining {$11000.00} over a 48 month term. 

On Saturday, XX/XX/XXXX, I needed fuel for the first time in the XXXX XXXX. I opened the fuel cap and found out that the vehicle did not, in fact, have a diesel motor. Instead, it was a gasoline vehicle accepting 95 octane premium. After some research, I came to discover a common point of confusion in XXXX XXXX branding. " XXXX XXXX '' indicates direct injection technology, whereas " XXXX '' indicates diesel technology. I went back to XXXX XXXX XXXX and expressed my displeasure with being deceived. I asked them to unwind the deal and they refused. XXXX XXXX XXXX ownership and sales stopped returning my calls, and on XX/XX/XXXX, they opened a loan in my name via PNC Bank. I contacted PNC after receiving the loan paperwork and explained to them that I believed the sale of the vehicle was facilitated by false advertisement and outright lies during the test drive, and was therefore fraudulent. PNC refused to the remove the account saying that this was a civil matter between me and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

Inquiry COAF Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian because they have failed to investigate and correct inaccuracies on my credit report. Despite multiple attempts to dispute these errors, Experian has not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate the dispute and correct the incorrect information. This issue has persisted even after multiple letters and attempts to resolve the dispute. Additionally, the recent CFPB lawsuit against Experian for similar violations strengthens my claim that Experian is not upholding their duties as outlined under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
I am filing a complaint against Experian for failing to properly investigate inaccuracies on my credit report. Despite multiple dispute attempts, Experian has not corrected or properly investigated the charge-off status, payment history, and balance on my XXXX account ( Account Number : XXXX ). This failure to investigate and update my report is in violation of the Fair Credit Reporting Act, including 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). This issue persists, and Im asking for a resolution and for Experian to comply with the law.
Product: Student loan

On XXXX XXXX, XXXX i wrote a dispute letter asking for validation of this debt ( see attachments # 1 & 2 ). XXXXXXXX XXXX wrote back on XXXX XXXX, XXXX ( see attachment # 3 ) stating i can get in contact with them via email @ XXXXXXXXXXXX ; they also requested information on attachment # 3. I wrote them back on XXXX XXXX, XXXX via email sending them the original dispute letter plus a debt settlement letter ( see attachment # 4 ). XXXX Fund/navient wrote back the following XXXX XXXX XXXX to me Thanks for your recent e-mail regarding your student loan ( s ). This auto response provides confirmation your message has been received. We are examining the issue ( s ) raised in your message. Please allow up to 10 calendar days for any requests requiring a response. If you need immediate assistance, you may call our office toll free at XXXX. 



Thank you, Post Claims Assistance XXXX, XXXX. 

It 's been passed 10 days.
Product: Mortgage

On XX/XX/2021, I received a letter stating my FHA mortgage was sold by Bank of America to a collection agency named XXXX XXXX XXXX XXXX XXXX : effective XX/XX/2021. I did not receive proper notification from either company of the transfer and procedure within the 15 days of sale.
Product: Money transfer, virtual currency, or money service

The recipient said that he could increase my sales through a web hosting site as well as several different social media platforms. I was told that I would see progress within a day 's time. I have included a screenshot of the XXXX website where the recipient said that he would create a website to boost sales. I logged in today to check the status of the website and there was nothing there. I also included the conversations held by myself and XXXX XXXX XXXX. Since then, the recipient has changed his PayPal information. I am very uncomfortable with this transaction. I am a victim of fraudulent activity. A scam. And I have a right to dispute this transaction. The service for the item I purchased was not as described. I have yet to see any product, progress, or communication of any kind from the recipient mentioned. I demand to have the funds returned back to my account or the card on file. The email : XXXX  is my email. If there be any questions or concerns, please contact me as soon as possible.