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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam XXXX I am writing to request the immediate removal of credit accounts associated with XXXX XXXXccount # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for [ XXXX ] to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 1681n. Civil liability for willful noncompliance XXXX  XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
2. 1681i. Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.
Product: Checking or savings account

Capital one has discriminatory practices. They do not allow for cash deposits with change at their XXXX, TX branches. I went into the branch to make a cash deposit of {$26.00} to bring my account current. This is ridiculous that any bank rejects cash deposits like this. What federal law allows banks to rejects monies like this? Where are the federal laws and regulations that allow this?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DRS # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and there was accounts I dont recognize.
Product: Checking or savings account

I have a checking account with BanK of America. I deposited a check on the second week of XXXX, and by XXXX or XXXX of XXXX, it showed the amount being deposited and in the bank app, it shows that this money has come to my account. 
They guy who gave me the check asked for the money to be sent to someone else, so I transferred the money using XXXX XXXX. 
2 days later, this check bounced so I asked the bank to stop the XXXX transfer immediately and credit the money back. I narrated the whole incident to their call center exec. I placed this call on XXXX or XXXX of XXXX. 
10 days later ie about XXXX XXXX, they sent a message saying that the transfer was legit and everything was good with XXXX transfer. I lost {$1900.00} to the fraud. 
Fraudster involved with the case had this XXXX id ie XXXX ie XXXX. His phone is XXXX XXXX XXXX, other id 's used by him were XXXX and XXXX. 
Why does the bank show credit after 2 days, and reverse after 2 days. Why dont they credit only after the check money is received after 3 or 4 days? Why did they conclude that the XXXX XXXX was legit?
Product: Mortgage

City National Bank has been provided sets of notarized documents XXXX times that I am owed funds from an account that was closed. A Cashier 's check was issued by City National Bank in the amount of {$2600.00}. A STOP PAYMENT WAS PLACED ON THE CHECK AND FEES WERE ASSESSED AT XXXX XXXX XXXX I request that a proper Cahier 's Check be issued to me and that all fees related to the Stop Payment placed on the previous check be paid by City National Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to thank you for the opportunity to address me concerns regarding Transunion ( consumer reporting agency ). This reporting agency ( Transunion ) has knowingly exposed my right to privacy and has put my reputation at stake which is a violation under 15 usc 1681 ( 4 ) Through my thorough investigated I have found that this reporting agency was reporting extension of credit that I initiated with these financial institutions showing payment history which should have been excluded from my consumer file. Is a violation under 15 usc 1681 ( B ) I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Transunion ) to report Any information dealing with specific extension of credit which is a violation under the FCRA 15 usc 1681a ( 2 ) ( i ), Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. My reputation has put a restrain on me due to this un fairness of this consumer reporting agency. I'm extremely anger at this reporting agency putting me in such hardship of decisive unfair practice. If consumer reporting agency remits violations, please provide me and Consumer Financial Protection Bureau ( CFPB ) My initial signature between I ( Consumer ) and Transunion ( reporting agency ) authorizing consent to obtain and furnish my file, please provide to me exhibits to back this supporting claim of fraud. These are Federal violation under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. I believe that i ( consumer ) have fully addressed my concerns of the validity of this matter, will still stands.
Product: Mortgage

My monthly payments were set to increase from XXXX to {$1700.00} due to an escrow miscalculation. I asked for an explanation of why the miscalculation so egregious and was sent an explanation of my bill, which is not what I asked. 

I asked if I could pay {$1200.00} of the escrow shortage to reduce my monthly bill, and they promised my monthly bill would be {$1500.00} per month. 

I decided to pay a a lump sum of {$1500.00} and they adjusted my bill payment to {$1500.00} per month. I payed {$300.00} more than I said I would, yet my bill is still {$1.00} higher than what they promised me. A {$1500.00} payment should have lowered my bill to {$1500.00} using the formula they gave me. 

In short, Homeloanserv promised, in writing, that my bill would reduce from {$1700.00} to {$1500.00} if I payed {$1200.00}. I payed {$1500.00} and they reduced my bill to {$1500.00}. They did not even reduce my bill to the previous calculation. Before this, they were so negligent of their duties that they drastically miscalculated my escrow, which raised my monthly payments by 20 %. 

Homeloanserv has an egregiously poor accounting process, and it is causing them to misadvise their customers. This is XXXX XXXX, and I am considering legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in direct violation of th fair credit report act. XXXX XXXXl c/o XXXX XXXX XXXX, XXXX bank, XXXX  XXXX and XXXX XXXX XXXX  credit card bank XXXX XXXX bank XXXX has violated several of my rights. 

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act. What Happened : In cases of a charge off showing on a credit report, a company in required to send the consumer a 1099 for the amount of the charge off. That has not happened. I have not received a 1099 for any charge offs.
Product: Checking or savings account

Since XXXX XXXX i have been going to through identification theft from diffrent houses, cars, car insurance on my credit report uncluding my mother that's has passed away from having mail delivered from shelters i was located at and from some not receiving the mail to recieving mail there and that's not my mailing address. From my medicine going missing and my XXXX  told them this and still no help mail being dropped off at places i have never lived at from the IRS telling me an married to having or being someone beneficiary and that's not true this has been going on so long is just sad, am numb to the bad energy and is just tired of the hole issue thank you and have a Blessed Day uncluding XXXX  and XXXX telling me to same thing from people putting XXXX XXXX on XXXX XXXX  account now its closed that was a contract account that someone is passing out and now am on a prepaid att account from being XXXX also.
Product: Student loan

My name is XXXX ( formerly XXXX ). I was just made aware of the class action suit against Navient and realized that the 3 times my husband lost his job, I asked if I could make lower payments based on my income and was told absolutely not. I was informed that my one and ONLY option was to forbear these loans while gaining lots of interest. I had no choice but to forbear my loans because we needed to keep our heads above the water. I TRUSTED THAT NAVIENT WAS GIVING ME HONEST INFORMATION!!!! But now I found out that Navient has systematically and illegally failed me at every stage of repayment, and I believe a lot of my interest was unfairly gained due to the FALSE and UNSCRUPULOUS communication that was given to me.
Product: Credit reporting or other personal consumer reports

This is my second complaint on this company the information on my XXXX consumer report is not valid, its inaccurate it states I was current and up to date on the month of XX/XX/2019, XX/XX/2019 And XXXX XXXX How was I 90 days pass due on the month of XXXX? If I was current those months before XXXX of 2019 The documents I submit shows the same thing on my credit report on all 13 accounts shows I was on time then all of a sudden there is a 90 late payment I also included copies from my XXXX account where it states I was on time 100 percent My credit is very important to me and the fair credit act states that all my information must be accurate and correct.. I am requesting that nel net update date my consumer report to paid on time, never late just like my XXXX account states.. should they both read the same thing?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX  sent me a letter in themail as a XXXX party debt collector demanding that I pay a debt owed to them. The original creditor was XXXX XXXX. I never gave XXXX XXXX permission to give my information to them which is a violation of my privacy on XXXX XXXX end. 

XXXX XXXX XXXX violated XXXXhree ( 3 ) of my consumer rights. 
Unfair Practices - 1692F any unfair means to collect alleged debt False or Misleading Communications -1692E false, deceptive, or misleading representation or means in collection with debt Contacting 3rd Parties 1692b ( 2 ) - stated that the consumer owes any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to TransUnion, XXXX  and XXXX. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also
Product: Credit reporting, credit repair services, or other personal consumer reports

DELIVERED ON XX/XX/22 via registered mail XXXX XXXX XXXX XXXX XXXX this correspondence reminded Experian of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt.

to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation. 
companies have until this day, have yet to provide a lawful contract. 
according to the FCRA any letter that is sent and unanswered is a result a XXXX
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit  reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Vehicle loan or lease

I leased a Kia XXXX which the Lease Expired, in XXXX of this year. Because of COV-19 Delaware begin its state of emergency in early XXXX with stay at home orders. At the request of the dealer I turned my car in the end of XXXX. Two weeks later I logged into my Kia Motors Finance account to see my end of year lease report which showed {$0.00} due. I was under miles, no damage, etc. 

3 weeks ago which WAS 4 months after I turned in the lease I get a bill for {$9300.00}. 

Excess MIleage Charge {$8300.00} Turn In Fee {$400.00} Unpaid Lease Payment {$450.00} XXXX XXXX and Taxes {$180.00} The bill shocked me since 4 months had past and when I logged into my account previously it said {$0.00} due. What also shocked me was the Excess Mileage car because my car only had @ XXXX miles on it when I turned it in which was not even past the XXXX i was allowed each YEAR. 

I called to dispute. I learned that the dealer added another XXXX on the mileage so it looked like I had XXXX. That was quickly corrected. I was then told I still owed a payment for XXXX. I explained I'm not paying fo a payment for a car I didn't have which I turned in early because Emergency stay at home orders. I asked for a letter explaining why, and they told me to talk to the Dealer. I explained I'm not working with the dealer as I was told everything would be fine, and I am disputing the remaining balance. They are refusing to even attempt to show compassion during this COV19. If this is no resolved through this channel the next step will be a complaint with my state Attorney General 's Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section XXXX ( XXXX  ) ( XXXX ) ( XXXX  ) and XXXX ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXX
Product: Credit card or prepaid card

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are reporting Bankruptcy and the bankruptcy court advised they never reported to a third-party agency or credit bureaus. They are violating my rights and committing fraud.
Product: Debt collection

Genesis Credit Management has violated the FCRA by harassing me they have sent multiple emails to my personal email ( XXXX ) XXXX times. 15 USC 1692d states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. They have sent multiple emails contacted me by phone numbers ( XXXX ) multiple times. They have also violated my rights according to 18 USC 894 which states Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. In exchange for me not paying the debt they are claiming that I owe. They are reporting to the Credit reporting agencies a negative collection account which is damaging my reputation. According to US Code 1681b my written consent is needed before furnishing my information to any credit reporting agency. I never gave this company permission to release any of my information to any non-affiliated third party. Under the fcra I have the right to privacy and a fair and equitable credit report this collection they have added to my accounts is misleading and causing multiple restraints to my life.
Product: Mortgage

I experienced a property loss on XX/XX/2016. NationStar Mortgage is withholding disbursement of my remaining insurance funds. They have not communicated to me about why funds are not released in spite of my meeting all repairs and inspections requirements completed in XX/XX/2016. I keep getting run around from them and this is affecting me negatively. They are not in compliance with Texas Insurance Code requiring the mortgage company to release funds within 10 days of my meeting the requirements or communicating the requirements.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account XXXX.
Product: Student loan

I was initially rejected for the Pslf program even though I met all eligibility except for the repayment plan which I never told did not qualify.I then applied for the temporary expanded loan forgiveness program.Was told several reason why I didnt qualify.first was told I had only made 119 payments of the required 120 which was not correct as had made 131 payments.Then was told I wasnt in Type of repayment needed as wasnt paying enough each month.Again something I had never heard of.Seems whatever I do is rejected.Feel like the foregiveness program is a fraud program.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Mortgage

This letter was sent to Freedom Mortgage after numerous verbal attempts to get them to reverse the late charges they assessed me. I sent them numerous proofs that I had made the XXXX and XX/XX/XXXX mortgage payments on time. 

XX/XX/XXXX Freedom Mortgage Re : Loan XXXXXXXXXX Mortgage Holder XXXXXXXXXXXXXXXXXX In XX/XX/XXXX, you notified me that I had not paid my mortgage payment on time. After this, I provided you with a copy of my XXXX bank statements for XXXX & XX/XX/XXXX. They showed that I had paid my mortgage payment on time in XXXX and XXXX through my online banking. I subsequently sent you a " proof of payment '' from my online banking account. 
When I made my XXXX payment, you applied it to my XXXX payment and then notified me that I was delinquent in my XXXX payment. After it became apparent that you were not going to process my XXXX payment, I voided it and sent you a replacement payment. 
If I had written you a check and mailed it to you, I would have no proof of payment on time. If the check was not delivered by the postal service, I would not know that until you informed me. 
If a payment check was misplaced or lost at your firm, you would consider me to not have made the payment. Obviously, I would not know that had occurred either. 
Neither of us can determine what happened to the online payment for XX/XX/XXXX. However, I have supplied you with proof that I fulfilled my obligation by making a timely payment of my XX/XX/XXXX mortgage payment. 
You charged me a {$110.00} late fee which you took out of my normal " additional principal curtailment '' payment. I would like that fee reversed and have the {$110.00} applied to my principal. 
Your refusal to do that would reflect very poorly on your business ethics. 

XXXX
Product: Debt collection

contacted this company several times to advised I was a voctim of identity theft
Product: Vehicle loan or lease

XXXX XXXX is currently on my credit report, which is an auto loan in the amount of XXXX. Looks like it was open since XX/XX/year> without my consent. My identity has been stolen and I had no idea of this. Ive reached out to this company to get more information, but they suggest I file police report or a complaint. Id like this to be removed as soon as possible please!