23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. : XXXX XXXX XXXX., has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Mortgage

I have written to everyone I could think of, every year, regarding escrow issues with my mortgage company and the Maryland Department of Finance. The problem stems from a program with the Taxation and Assessments Program of the Maryland Department of Finance, which I have been eligible for for many years.This program allows for low income, senior homeowners to receive discounted property taxes. My escrow has caused me many problems over the years, however I have been able to take care of it with loans, loan modifications and other means. This year the loan company, Mr. Cooper, before the pandemic, sent me an Intent to Foreclose and my prior remedies are no longer possible. I am able to, and always have been able to, pay my mortgage plus whatever part of my escrow is not paid by the Maryland of Finance Program, but I can not pay the full escrow amount, otherwise I would not even be qualified for the discount program. I believe I have acted as a reasonable person and my mortgage company and the Maryland Department of Finance have not assisted me as experts in their field.

In an attempt to at least begin to remedy my problem, so I can keep my home of 34 1/2 years, I am trying to get the following information : 1. ) Is there a law or code, that you can give me the citation for, that allows for escrow to be late and how late?

2. ) Who is the correct person to contact for help with my mortgage problems, if it's not you. It is not fair that anyone with a mortgage should not be able to easily find this information.

3. ) Where can I get information about suing my mortgage company? 

I will send documents soon, so you will better understand the situation. Also, I have very little money, so I hope to do as much as I can without an attorney. 

Thank you very much, XXXX XXXX
Product: Student loan

My daughter can not afford her student loan payment and is trying to get it lowered. In order to do that, she is trying to get me released as the cosigner on her student loans. 

She has been consistent with making payments on time for years and yet, they wo n't release me saying they want all my financials. 

Navient said this is preventing them from working with her on lowering the payments. 

Scams!
Product: Debt collection

I have tried multiple times to contact optimum outcomes for the incorrect information on my XXXX, XXXX and XXXX credit reports. I want the information fixed it is hurting my ability to apply for new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590.  That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I HAVE SIGNED FOR E STATEMENTS FOR MY MTB MORTGAGE ACCOUNT AND ALL ACCOUNTS AT M & T BANK. I WAS TOLD I WOULD HAVE 7 YEARS ACCESS TO ALL ACCOUNT STATEMENTS IN WRITING. as of XX/XX/22 I PAID MY MORTGAGE and no longer have access TO ANY OF MY MORTGAGE INFO STATEMENTS PAYMENTS ETC.,, I COTACTED THE BANK AND WAS TOLD ONCE PAID THE ACCOUNT ACCESS WAS NO LONGER AVAILABLE. THE BANK IS OFFERING ME STATEMENTS FOR A COST FOR COPIES. THIS IS FRAUD.
Product: Credit reporting or other personal consumer reports

According to the XXXX Website there is an outstanding balance of {$9900.00} in student loans. Previously 4 accounts consolidated into one. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/year>. In XXXX of 2022, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my credit score. It also appears as current balance with XXXX. I have requested explanation of this from the federal student loan department, as well as XXXX with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has these listed as hard inquirys and they need to investigate and send me proof to these inquirys or get them deleted ive been complaining about these for 8 months already Good news! It's a temporary ding and scores usually bounce back in 3 months. 
Plan ahead and minimize your hard inquiries at least 9-12 months before trying to get a mortgage or big loan. 
Inquiry details XXXXXXXX XXXX XXXX Finance ) XX/XX/2022 XXXXXXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX ( XXXX and travel ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did n't use proper security in order to protect my credit information from being stolen. I now have to spend {$10.00} dollars at every credit reporting agency to freeze my credit and because of my states laws {$12.00} dollars every time I unfreeze my credit report. I 've lost Time + Income due to this malfeasance, this is something I have no power over.
Product: Debt collection

According to the fair credit reporting act FCRA XXXX XXXX XXXX and XXXX all unverified and inaccurate information most be promptly deleted please provide me all information that was used in this inaccuracy of charge off and closed accounts
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX, 2024 someone transferred themselves {$1000.00} via our bank XXXX. They also sent themselves {$510.00} via XXXX XXXX. They attempted to take an additional XXXX XXXX XXXX transactions but the bank stopped those. We immediately called USAA to dispute this as fraud. They keep saying the authorized / linked device made this transaction therefore nothing can be done. We did not make these transfer someone XXXX our account.
Product: Debt collection

I contacted XXXX  XXXX XXXX on XX/XX/2018. I informed them that i never had A XXXX XXXX account before, which is the bill they are saying I owe them for debt. I never opened the account and asked for a verification of debt. They informed me that they do not legally have to provide me or notify me of debt. I was never notified about the collections. I never Recieved a letter. I only knew i had the collections because i ran my credit report. When I contacted the company, they could not find my file. They have the wrong name under my social security number. This company is fraudulent and unjust.
Product: Vehicle loan or lease

My car was totaled in a crash on the XX/XX/2023 
I had a lease going on with around a total of {$37000.00} pending ( pending lease amount plus buyout amount ). The insurance company estimated car value at XXXX and cut a check to my leasing company ( BMW financial services ). I had intended to buy the car out at the end of the lease. Now BMW is not returning me the excess money and I also had a {$5000.00} deposit that they are refusing to send to me in addition to the overage amount. 
I have made repeated calls and tickets on their portal but they are non-responsive. 

They are offering me a loyalty payment credit which I'm not interested in. I just need the excess payment returned along with my security deposit of XXXX that I had paid while signing the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED SEVERAL TIMES TO RECEIVE VALIDATION OF DEBT, THEY HAVE NOT BECAUSE HE DEBT IS NOT MINE, IT IS AGANIST THE LAW TO HAVE IN CORRECT ON MY FILE, PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY, XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( XXXX U.S.C. XXXX ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XXXX XXXX - XXXX - {$4300.00} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Mortgage

Hi, I was on a forbearance with US bank and have been trying to resolve or speak to someone with authority at US bank. Each time I call I speak to a different person and get different answers regarding my home and resuming a payment plan. I have been given a point of contact and have never been able to speak to that person and when leaving a message the calls have never been returned. US bank has appraised my house 4 times now. I have to keep reapplying and resubmitting paper work. I have been trying to get back on a regular payment plan since XXXX of XXXX.They have sent an appraiser into my home 4 times. Each time they become more stringent or give me different answers and are apparently making me fully requalify for a loan. I have been told numerous times they will give me a modified loan. I am currently XXXX behind which keeps growing with their lack of offering a resolution. They tell me I have to pay that amount now and resume payments or face foreclosure or they tell me just reapply again. I cant even send in a partial monthly payment. I was told they wont accept it. I have never been late in 12 years before the pandemic but now they have told me that I do not qualify. On my forth attempt and run around they are asking me for a mountain of documents. I will be denied again as I cant prove my income. I am self employed. I can resume some sort of payments but I need to have the lump sum pushed to the back of the loan. They have made themselves unavailable or I can never speak to a person who has knowledge or authority to even answer questions.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in addition years ago i just open my account at Bank of America at XXXX. also i believe they use to charge to much fees so later on i did close my account and no longer with Bank of America finally i just heard from the news regards how they take advantage from the public and all American nation in the united state is there any chance to receive any money with Financial compensation back please. 

Sincerely XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Wells Fargo Active Cash credit card today ( XX/XX/21 ) with the intent of maximize the current {$200.00} back on {$1000.00} spend promotion. After completing the application, I received an email notification stating that I was approved for the Wells Fargo Platinum Card ( not the card I applied for ). After spending 52 minutes on the phone, the 6 Wells Fargo representatives I spoke with told me that they were : 1. Not able to make the correction to the application ( from " Platinum '' to " Active Cash '' 2. Would not be able to take any further action until an " investigation '' was completed 3. Would not be able to close the Platinum Credit Card, that I did not apply for Either through deceptive practices or system errors, I was approved for a credit card that I did not apply for. Wells Fargo is not allowing me to close the account even thought it was created fraudulently.
Product: Credit card or prepaid card

I filled a complaint against Citizens Bank for using false/fraudulent practices when getting to me sign up for a credit card. I filled a complaint using this system. Before I filled a complaint, I closed the credit card due to that company not fulfilling the promises they gave me. 
The resolution that I got from the office of the chairman was that they could not fulfill the promise that their agent gave me and instead reopened the credit card WITHOUT MY CONSENT. 
This company has done damage to my credit twice now. 
Their office did not ask if I would like that credit card, I did not sign anything agreeing to it and they did not give me the terms and conditions for the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a balance from a charge-off account to Experian that was settled. The account balance should be {$0.00} and the status settled to less than full. The account is reporting correctly to XXXX and XXXX
Product: Debt collection

Sequim Asset Solutions is trying to collect on a debt that is not owed, and removed with the original Creditor XXXX 
I received written communication from XXXX that confirms it was erroneous sent information to SEQUIM and they are illegally trying to collect on a debt NOT OWED. 
It is still reporting on my credit report as a collection and needs to be removed Immediately. In addition they are reporting the account was opened in XX/XX/2020, which is also incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to NMCB Management and the three major credit bureaus on the following dates requesting information regarding an account on my credit report : XX/XX/XXXX ... I sent my initial letter to the credit bureaus XX/XX/XXXX ... I sent follow up letter to the credit bureaus XX/XX/XXXX ... I received a letter from NMCB Management saying their investigation was complete and they were unable to substantiate the allegations in my dispute. 
XX/XX/XXXX ... I sent a letter directly to collection agency asking for validation of the debt. 
XX/XX/XXXX ... I received a letter from NMCB Management saying their investigation was complete and they were unable to substantiate the allegations in my dispute. 
XX/XX/XXXX ... I sent a certified letter to the credit bureaus to verify the debt since I am not aware of this account. 
XX/XX/XXXX ... I sent another dispute the credit bureaus due to no follow up. 
XX/XX/XXXX .... I sent a letter right the credit bureaus to provide the method of verification for this debt. 
XXXX ... I sent another letter to the credit bureaus advising them that I was filing a complaint due to the collection agency and credit bureaus inability to provide sufficient information to confirm that this debt reported is indeed mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my consumer report I noticed inaccurate information being reported by Santander Consumer, USA. I then sent a 1692g request in which was received by Santander on XX/XX/2018, at approximately XXXX. Santander failed to respond to the requst and continues to report inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from NVR Mortgage that our mortgage was sold to XXXX XXXX XXXX. On XX/XX/XXXX NVR reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. NVR Mortgage reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX XXXX XXXX  report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX NVR Mortgage reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX XXXX not NVR Mortgage Company. I have requested for NVR to  report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.
Product: Checking or savings account

I was a victim of a XXXX scam in which an individual posing as a Wells Fargo Fraud Claim specialist induced me into sending money to myself through XXXX, in which scammers steal the money during the recirculation process. 

I filed a claim with Wells Fargo, but they denied it. Under Regulation E, Im subject to reimbursement by Wells Fargo but theyre refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I set up accounts with all 3 credit bureaus and put a freeze on my credit reports in XX/XX/2020. 
On XXXX I received an email from Experian that my email address had been updated. I could not get a live person on the phone, I could not access my account. The email said to respond if I had not made the change, I did this several times over several days and got no response. I called numerous times and could never get past the automated system. 
On XXXX i sent a letter with the proof of identification Experian asked for on their website ... picture of drivers license, recent utility bill, SS #, date of birth. 
I have received no response at all. 
I still can not access my account. 
I have no way of finding out if my credit report is still frozen. 
My entire credit report has been made available to a criminal. 
It is appalling that a company that has so much control of our financial lives is so incredibly lax about security!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion is required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$53000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXXXXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,