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

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint AgainsXXXX XXXX, XXXX, and Experian for Violations of 15 USC 1666b, 15 USC 1691, 15 USC 1692c, 12 CFR 1002, and Other Consumer Protection Laws Dear Sir/Madam, I am submitting a formal complaint against XXXX, XXXX, and Experian for multiple violations of federal laws, including 15 USC 1666b ( Credit Billing Act ), 15 USC 1691 ( Equal Credit Opportunity Act ), 15 USC 1692c ( Fair Debt Collection Practices Act ), 12 CFR 1002 ( Regulation B ), and the Fair Credit Reporting Act ( 15 USC 1681 ). These violations have caused significant harm to my financial status, disenfranchised me from fair credit opportunities, and infringed on my right to privacy.

Violations of 15 USC 1666b ( Credit Billing Act ) The credit reporting agencies have failed to provide timely corrections or deletions of disputed information, including negative and outdated entries, closed accounts, and inaccurate addresses. Despite my attempts to resolve these matters, they continue to report incorrect information without following proper procedures under this statute.

Violations of 15 USC 1691 and 12 CFR 1002 ( Equal Credit Opportunity Act and Regulation B ) XXXX, XXXX, and Experian have unlawfully shared my personal and financial information with banks, loan companies, and other institutions without my explicit written consent. These actions violate my rights under the ECOA and Regulation B, further restricting my access to credit and loans.

Violations of 15 USC 1692c ( Fair Debt Collection Practices Act ) These agencies have continued to share inaccurate information with third parties after I explicitly requested they cease such activity. This violates 15 USC 1692c, which governs the conduct of information sharing without the consumers consent, leading to ongoing financial hardship and privacy breaches. 

Violations of 15 USC 1681 ( Fair Credit Reporting Act ) XXXX, XXXX, and Experian have failed to comply with key provisions of the FCRA : 1681b They lacked permissible purposes to access or distribute my credit report and provided negative information without my authorization.

1681e They did not follow reasonable procedures to ensure the accuracy of the information reported, resulting in negative entries that I have previously disputed.

1681c The agencies failed to remove outdated and inaccurate information, including closed accounts and former addresses.

1681n & 1681o These agencies willfully and negligently failed to comply with the FCRA, resulting in ongoing financial harm to me.

Violations of 15 USC 6801 ( XXXX XXXX ) The agencies violated the XXXX XXXX by failing to protect my nonpublic personal information, sharing it with third parties without my explicit consent, and not providing me with the necessary protections outlined under 6801. 

Violations of 15 USC 45 ( FTC Act ) Their actions constitute unfair and deceptive practices under the FTC Act ( 15 USC 45 ). The continued unauthorized dissemination of my negative and inaccurate information to third parties violates this statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX po box XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance XXXX {$160.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX Balance : {$480.00} XXXX  XXXX Balance ; {$2800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection accounts has been misreported on my credit report. 
with XXXX, Trans Union, and XXXX. Ive disputed with all three credit bureaus certified mail XX/XX/XXXX, AND XX/XX/XXXX, and previous times in XXXX. I'VE I ask for validation/verification for the following : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXy. Ive requested to see Verifiable proof with an original consumer contract with my signature on it. Under FCRA unverified accounts must be removed. XXXX Trans Union and XXXX failed to do any of the requested.I was sent investigation results : VERIFIED as Accurate without any supporting requested documents. Ive been in a number of breaches date breaches regarding XXXX and XXXX This has had negative impact on my credit scores. 

Ive requested removal several times through all the companies if they are unable to provide me copies with original signatures However this information still remains on my credit report as of
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a fraudulent account on my credit report. The collection agency XXXX XXXX has dismissed the case and filed a nonsuit without prejudice which I will attach to this complaint. The company does not have a copy of my ssc, or a photo id, meaning that anyone could have opened an account in my name. I will also attach my data breach claim in which I found out that my information was compromised in the 2017 XXXX data breach. If this account is not deleted within 15 days, I will be seeking legal action and compensation up to {$1000.00} per FCRA violation. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.
Product: Credit card or prepaid card

My  XXXX  statement for the period  X/XX/17  to  X/XX/17  included a hotel charge for {$120.00}. This was not an authorized charge because the reservation was for  X/XX/17 . No prepayment was required and I had until  XXXX  day of arrival to cancel without penalty. The hotel did not refund the charged after I contacted them. On  X/X/17 , I submitted a written dispute of the charge to  State Farm B ank to the address listed on the statement for disputes. I paid the balance due on the card except for the disputed amount. The payment was posted  X/X/16 .  State Farm Ban k did not acknowledge the dispute until  X/XX/17 . At that time they posted a temporary credit to my account for the disputed amount. When I received the next statement covering  X/XX/17  to  X/XX/17 , I discovered that I was charged {$7.00} interest on the disputed amount. When they posted the temporary credit, they only adjusted {$0.00} of the interest charged. I should not have been charged any interest on the account because I paid the full amount due except for the disputed amount and filed the dispute more than 10 days prior to the payment due date.  <P/> I contacted  State Farm Bank via  e-mail through their website requesting a full refund of the interest charged on the disputed amount.  State Farm Ba nk did not respond to my request.  <P/> In acknowledging the disputed , State Farm  Bank indicated that it could take up to one year to resolve the dispute. I believe the have only  two  billing cycles, not to exceed 90 days, to investigate and resolved the dispute. I received a letter dated   XXXX   stating the disputed has been resolved in my favor. However,  State Farm B ank has not acted to refund the interest charged on the disputed amount.
Product: Credit card or prepaid card

XXXX XXXX XXXX... My ex business partners opened this card in my name fraudulently to get funding for XXXX XXXX XXXX. They defaulted on our agreement which makes it fraudulent. I took them to court and they defaulted on the court order! I talked to the creditor and all 3 credit agencies to remove it from my credit reports but they all said it wasn't fraud and it stayed on my reports even with evidence of my court case against them? My ex business partners ruined my credit and this was 1 of 4 credit cards that they opened in my name fraudulently.
Product: Mortgage

Subject : Wells Fargo Home Mortgage, breach of agreement and ongoing obfuscating tactics. 

Please note, this is a new complaint on the handling of Wells Fargo Home Mortgage loan. 

Wells Fargo Home Mortgage entered into an agreement with myself to defer six mortgage payments as detailed by Wells Fargo Home Mortgage in three separate letters, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attached as Exhibit 1, 2,3 ). Only 4 of those 6 deferments occurred, this constitutes a breach of the agreement. Breaching an agreement is an error, not communicating that Wells wished to alter or amend the agreement is also an error. Taking 6 months to acknowledge that two payments were not deferred is also an error. 

Wells Fargo Home Mortgage is also in error in their response of XX/XX/XXXX, ( Exhibit 5 ) a letter that was sent separately and absent in the formal response of Wells Fargo to the CFPB, ( that states that Wells is unable to provide the CFPB policy that Wells used to justify not deferring the payments because the information requested is considered to be privileged, confidential and/or proprietary information of Wells Fargo . A Federal policy is a public document, and can not be privileged, confidential and/or proprietary. To state this is dishonest and obfuscating. Sadly, it is consistent with Wells Fargos tactic of obfuscation demonstrated in burying the consumer in paper, responding to questions and concerns with partial answers, making costumers stay on hold for hours when calling. 

In researching the sale of my mortgage from Wells Fargo Home Mortgage to XXXX XXXX  and servicing by XXXX XXXX, it was brought to my attention that Wells Fargo profited by having my loan not having the payments deferred, creating a false delinquency. Wells process of obfuscation and failure to return phone calls and emails to keep my loan delinquent to increase the price of its sale is fraud. 

Wells Fargos errors have resulted in my mortgage account being short {$5000.00} and past due to the current. I demand that Wells Fargo Home Mortgage pay me this sum of {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Experian to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was deeply disappointed to see inaccurate accounts on my credit report. Ive always made a habit of checking my report, but for some reason, this time it contained errors I couldnt explain. I even tried refreshing the page, thinking it might be a technical issue, but nothing changed. I urgently need the documents Ive submitted to be thoroughly reviewed to ensure this doesnt happen again.
Product: Credit card or prepaid card

I have a store card with Amazon thru Synchrony Bank, I went to the account via chat to request to have the payments deferred due to the Corvid-19, we have no money at this time, not working staying home, they deferred this month but will have to call next month again if need to defer, however they will keep charging interest which is not fair, their interest to start with is extremely high, they will waive late fees but the interest will be charged, how bad can that be? they are helping but hurting us at the same time. 
I find it outrageous that with what we are going thru at this time this bank wants to keep charging interest to the balances, thats no help, by the time we are able to go back to work we would owe so much more that the payments will be too high to pay. Very inconsiderate in their part. I have a credit card with XXXX XXXX and XXXX and they deferred my payments 90 days with no lates and no interest to be accrued.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent INQUIRIES in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any INQUIRIES listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of INQUIRIES that do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received communication from TRANSFINIANICIAL COMPANIES LLC regarding an asserted debt without being afforded the opportunity to dispute said alleged debt in accordance with federal law 15 USC 1692g. No statement providing 30 days for resolution was ever sent. Despite my request for debt validation, supported by green receipts as evidence of sending validation and cease and desist letters, TRANSFINIANICIAL COMPANIES LLC failed to provide validation. Despite being specifically asked for a contractual agreement between us, they neither produced any judgment against me nor validated the debt through a lawful binding contract. I explicitly instructed them to cease communication through all channels, yet they persist in tarnishing my consumer report, attempting to collect an alleged debt that remains unverified. As per the definition in 15 USC 1692a, 'Communication ' refers to the conveyance of debt-related information directly or indirectly to any individual through any medium. TRANSFINANCIAL COMPANIES LLC continues to convey information regarding an unvalidated debt, adversely affecting the creditworthiness, credit standing, credit capacity, character, and overall reputation reflected in my consumer report. 
They have additionally communicated through postal mail, asserting that I owe a debt, which constitutes a violation of 15 USC 1692b ( 2 ). The language used in the contents of the mail indicates that the debt collector is in the business of debt collection and that the communication pertains to the collection of a debt, thereby violating 15 USC 1692b ( 5 ). I have endured harassment and abuse through the tarnishing of my reputation and the use of obscene and profane language designed to inflict stress upon me, the reader. This conduct also breaches 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ).

According to 15 USC 1681 ( 2 ), Congress acknowledges that our consumer reports are synonymous with our reputation. 

They have communicated with me through an attorney in an attempt to collect a debt, which is another violation of 15 USC 1692e ( 3 ). 

I possess exhibits supporting all the violations outlined herein and am compelled to reach out to the Consumer Financial Protection Bureau ( CFPB ) with the earnest hope of expeditiously resolving this matter. I am fully prepared to pursue legal action should they fail to provide a remedy for the issues raised.
Product: Student loan

On XX/XX/XXXX I opened a dispute with XXXX over two payments with Mohela back in XX/XX/XXXX. The dispute was updated on XX/XX/XXXX and I had initially missed what they had reported because I looked at my open loans for results and they had updated one of the loans and it looked fine. On XX/XX/XXXX I applied for a mortgage, when my lender gave me my report I realized that Mohela had completely changed the information on my loan. My loan is active and in good standing but is showing as refinanced in XX/XX/XXXX with a delinquent payment history. My loan origination date has also been changed from XX/XX/XXXX to XX/XX/XXXX and the beginning balance is inaccurate. Later that day I called Mohela three separate times trying to straighten it out and they just keep telling me they never reported that information. I repeatedly told them that I was looking at a copy of my credit report from that day and the information had been reported by them and needed to be corrected because it is preventing me from buying a home, they claim it must be the credit bureaus fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card

I want to be provided with steps that I can take to obtain a credit card that I was previously a cardholder for more than XXXX years. Bank of America is one of the largest banks and it needs to provide me with a pathway to obtain a credit card that was closed without notice by BOA and no additional information was provided. 

XX/XX/year> Denial Notice XXXX XX/XX/year> Dential Notice XXXX XX/XX/year> Denial Notice XXXX
Product: Credit card or prepaid card

Someone applied for 2 credit cards that I did Not authorize!!!

1 ) Citibank Na, XXXX  XXXX  on XX/XX/2019 2 ) XXXX XXXX MasterCard,  sporting goods on XX/XX/2019 I am reporting fraudulent activity!!!
Product: Debt collection

Honda Financial Services called my house. 
Number that called me : XXXX Number I was told to call : ( XXXX ) XXXX Someone by the name of XXXX called me and said to call him back as this is an urgent matter. I researched the number and there were many sites saying that this was a scam, that uses Honda financial services but has no affiliation with Honda at all. I called Honda themselves and they said they have no numbers in there system with the numbers I listed. I believe this is a company trying to scam people into collecting fake auto debt and I wanted them to be looked into.
Product: Payday loan, title loan, or personal loan

I received a loan of {$450.00} and was told my payoff for the loan amount would be {$580.00} and there is no penalty for early payoff. I called in to pay off my balance of {$420.00} as indicated by my payment schedule but the representative told me the payoff would be {$550.00} instead. That would mean I would pay them a total of {$710.00} compared to my initial quote of {$580.00}. I have spoke to three different representatives and have requested a manager callback for help resolving this issue. It seems this company preys on those in tough situations so they can easily get people caught up in a never ending cycle that causes them to be in more debt than the emergency they needed to take the loan out for. Companies should aim to actually help people and not take advantage of their difficult circumstances by scamming them out of money they don't have or that is already difficult to come by. I believe this company does not have good intentions for their customers and they are finding ways to legally scam their clients.
Product: Mortgage

My homeowners insurance increased, so I changed homeowner insurance companies all the correct paperwork and documents have been I received a check from the previous homeowners insurance company, XXXX XXXX and deposited it into my escrow account and made my full payment to my new homeowner insurance company which is called XXXX. This should have brought my monthly payment back down to the preceding amount, but it has not, and the mortgage company keeps charging me the same amount as before and also I receive emails from them about my homeowners insurance has increased which prompted me to check with XXXX several times and they said that they have not increased the rate and that it is the same as it was, I do not know what is happening with the extra money or why they are charging me extra and I have sent several request in different departments and requested managers and escalations of the matter. I keep getting the same generic response and generic letters in the mail saying that they received the request and they are gathering information. I have spoken to people at New Rez mortgage in the insurance department, and they assure me that everything is correct with the homeowners insurance company that I have now, but my monthly payment still remains the same. I am also a XXXX veteran, and do not pay property taxes, and they have the documentation to prove that as well I am very disappointed with this mortgage company. You can never get anybody on the phone especially in the insurance department and just keep recycling you back to the main menu and you go over the same prompts over and over again.