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

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, Equifax and XXXX 1st : Account Name : XXXX XXXX  XXXX  Account number : XXXX 2nd : Account Name : XXXX XXXX  XXXX Account number : XXXX 3rd : Account Name : XXXX XXXX  Account number : XXXX 4th : Account Name : XXXX XXXX  Account number : XXXX 5th : Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies.

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX.

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 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 the crimes which antendates the report by more than seven years.

15 U.S.C. 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

My ex husband left the apartment we were living in and sticking me with the only one paying the lease. We were 6 months into a 1 year lease. After he left i could no longer  afford to pay the lease so i worked out a deal with the rental company to get out of the lease. I left the apartment in great condition and had another person set to take over the lease after i moved out. However, I now have a collection company attempting to collect a XXXX dollars. There is no way that i owed that much even if i hadn't arranged everything. I've tried to call the company and also sent in things to the credit bureaus but nothing is working and they refuse to send me a breakdown of the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was sent new information based upon Section ( 609 ) of the Fair Credit Reporting Act. Transunion did not respond with proof of debt that was received from the creditor. As a result, Transunion 's response is unsatisfactory. Based upon Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). As we know the burden of proof is on Transunion to provide accurate proof of debt which has not been done. Thus said I am requesting that Transunion provide the original proof that was sent to prove this debt is mine. I am requesting documentation of contracts and original signature. If this can not be furnished I am requesting that the in question debts be removed from my credit report effective immediately. 


Transunion has also been asked to investigate multiple inquiries on my credit report which has not been done as well this has been requested more than two months ago.
Product: Credit reporting 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. 

Account Name 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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have a mortgage with Citizens Bank. Due to Covid 19, I entered into a forbearance plan. On XX/XX/2020 I phoned the bank and requested to be out of forbearance, agreeing to a balloon payment at the end of mortgage.. On XX/XX/2020 they told me it was accepted. Thats a 2 month delay! I have been regularly making my monthly payments. Although they said they sent me a letter about the plan ending, I never received anything by mail or email. I have called them NUMEROUS times requesting the letter because I am refinancing my mortgage and I need proof of being out of forbearance. The phone calls have been to no avail. The representatives are all in XXXX on internet phones and I can not understand them due to poor connection and language. I have repeatedly asked to speak with a supervisor in the USA. On three occasions I was promised a callback that never came. I need this to be resolved ASAP so I can settle my refinance. I am beyond angry and frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to accurate information, if the reinstatement of the item on my credit report is found to be inaccurate or incomplete, I have the right to request its removal or correction. I have a right to an explanation per the FCRA and am requesting information as to why adverse information that was previously disputed continues to reappear on my credit report. I have a right to fair credit reporting and request appropriate action to be taken to rectify the situation. I am requesting a written explanation, supported by relevant documentation, detailing the reasons for the reinstatement of the item on my credit report. Additionally, I expect that you conduct a thorough reinvestigation into this matter to ensure the accuracy and completeness of the information on my credit report. Please provide your response within 30 days, as stipulated by the FCRA. Kindly send your written explanation and any accompanying documentation to the address mentioned above. I appreciate your attention to this matter and look forward to your timely response, as well as a prompt resolution to this issue in accordance with my rights as a consumer under the FCRA.
Product: Debt collection

XXXX called me stating that I had a balance due. I tried to work when him. When I asked him to confirm where he was calling from and all the information to be emailed since I was uncomfortable giving my card info over the phone. He then told be that he would not settles with an agreement with me and told me that he will start the legal process to sue me. I told him I am trying to work with him and he starting cursing me and going back and forth then he informed me that he will see me in court.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion does not have an address on my credit file which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX File Number # XXXX Date Issued XX/XX/XXXX The address is showing XX/XX/XXXX the address does not show on the report sent out on XX/XX/XXXX Credit report under Address Reported
Product: Credit reporting

I filed a dispute with Equifax about my account credit balance being incorrect. On XXXX XXXX I receive the dispute resolution from Equifax showing the correct information " account paid in full {$0.00} balance '' On XXXX XXXX I receive an alert showing the my account balance has increased from {$0.00} to {$3000.00}. On XXXX XXXX I run a new report and I see that Equifax continues reporting the wrong account balance. Please help, attached is the dispute resolution from Equifax. thanks ( PAGE XXXX )
Product: Credit reporting or other personal consumer reports

I never applied for anything with citi bank but I have XXXX hard inquiries from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX DSP XX/XX/XXXX VER XXXX {$0.00} CHAPTER XXXX BANKRUPTCFY DISMMISED XXXX DSP XX/XX/XXXX VER XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number Creditor Information  XXXX **** SANTANDER CONSUMER USA   XXXX   XXXX   XXXX   Condition   XXXX   XXXX  , TX Closed  XXXX  Current Balance {$0.00} Phone # :  XXXX  $ Original Balance   XXXX   Opened  XX/XX/XXXX Reported  XX/XX/XXXX  Remarks Closed THIS SHOULD ALREADY BE OFF MY CREDIT REPORT IT HAS BEEN PAID IN FULL. AND THE ACCOUNT IS CLOSED.
Product: Student loan

On XXXX XXXX, 2016 a lender paid on my behalf approximately {$43000.00} toward my federal student loans that are serviced by FedLoan Servicing. At the time of payment I provided instructions to FedLoan Servicing to apply the {$43000.00} to certain loans, specifically, the loans with interest rates of 6.5 % and 7.5 %, which I identified by their respective loan sequence numbers. Contrary to these instructions, FedLoan Servicing applied the {$43000.00} to the loans with the lower interest rates ( 2 % ). I immediately contacted FedLoan Servicing and advised them of the error and throughout XXXX received repeated assurances from FedLoan Servicing that the error would be fixed, e.g. that the {$43000.00} would be reapplied to the proper loans. Despite receiving these assurances and acknowledgement of an error by FedLoan Servicing, FedLoan Servicing has not fixed the problem and provides a raft of excuses each time I call customer service. This obstructionism is contrary to the policy on their website which states, inter alia, that " if you need us to reapply a payment you previously made, we can accommodate that as well. '' https : //myfedloan.org/borrowers/payments-billing/targeting-payments. Please help.
Product: Debt collection

I had been incarcerated from XXXX until XXXX so there was no way I could pay this debt when it happened. The company that 's trying to get the payments is Deville Asset Management XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 45 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately : XXXX XXXX XXXX  XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several errors that could negatively impact my credit profile. The report lists several incorrect name variations, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The correct name should be XXXX XXXX XXXX. Additionally, my report contains incorrect addresses such as XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX, XXXX NJ XXXX, and XXXX XXXX XXXX, XXXX NJ XXXX, among many others. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Also, my report lists the wrong employer, including XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, while my correct employer should be XXXX XXXX XXXX Lastly, there are phone numbers listed on my credit report that should be removed. These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit report information be accurate and up-to-date. I request that these incorrect details be removed and replaced with my correct information immediately to avoid further damage to my credit. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX loans were on XXXX. 
Moved to XXXX. 
Suddenly showing duplicates on Experian credit report. I saw on my XXXX credit card app. 
This lowered my credit score.
Product: Mortgage

Our mortgage is serviced by M & T Bank. M & T made a disbursement from our escrow to XXXX XXXX XXXX for flood insurance. I have had flood insurance for several years and I pay that separate from the mortgage. Flood insurance has never been part of the mortgage. The bank made this disbursement without my knowledge and consequently it caused the escrow out of balance and increased my monthly payment. 

I contacted M & T first thing Monday, XX/XX/2019. My goals were three fold : 1. to have M & T acknowledge this problem 2. M & T to issue a corrected escrow analysis and 3. to restore monthly mortgage payment. 

M & T initially stated they could not issue a corrected escrow until the insurance company returns the money to the bank. At this point I am beyond frustrated M & T made an unauthorized payment from my escrow and I have to wait to have my account reconciled until the funds are restored to the bank.
Product: Checking or savings account

Mercury banking and credit for businesses app told me that I was unable to get a business checking account through them, I have my ein and LLC filed, my personal credit score is a XXXX last it was pulled, and when I asked for the denial reasons, they told me the team that approves account requests follow many criteria but that they're not required to tell me that information and they won't reconsider the decision. I understood that it was illegal for any creditor to deny business funding due to discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

regarding account : XXXX account number XXXX. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further. If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

False info on credit report XXXX XXXX this has had several errors in XXXX it was repoted as public records it is not disputed and changed and in XXXX it was reported as having payment history which its a closed account and has been no paymenr history i dispured they changed that info and claimed it was verfied as acurate which is a lie its not accurate if its accurate why would that info be changed i have disputed a couple other times for errors as well and stuff has been changed they keep reporting false info affecting score and costing me alot of money in extra intrest rates over the years at this point theres only one way to correct thus problem and its to delete the account from credit report
Product: Credit reporting or other personal consumer reports

XXXX reported this account as Collection/Charged off and have received the funds via IRS however XXXX I was not sent the 1099C Form to report properly to the IRS as a income because they wrote the amount off and they need to remove the debt from my credit report as they have already been compensated via the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft. Please do you reinvestigation and notified me of the result. After your investigation and corrections I want an updated credit report that negative items removed and deleted from my file.
Product: Mortgage

M & T Bank forced placed lender flood insurance on my loan that is not required and is refusing to reverse the transaction. 

Please see the details below : XX/XX/XXXX received letter from M & T regarding a FEMA map revision which placed my property in a special flood hazard area and required I obtain flood insurance. 

XX/XX/XXXX obtained flood insurance XX/XX/XXXX ordered FEMA Elevation certificate as advised by my insurance agent to avoid future premium increases. 

XX/XX/XXXX received Letter of Map Amendment from FEMA stating the structures on the property is not located in the special flood hazard area. 

XX/XX/XXXX faxed information to M & T requesting removal of flood insurance requirement. 

XX/XX/XXXX received letter from M & T stating flood insurance is no longer required and that M & T would no longer track or pay future flood insurance premiums. 

XX/XX/XXXX requested cancellation of flood insurance through agent. 

XX/XX/XXXX received confirmation that insurance was cancelled and refund. 

XX/XX/XXXX received letter from M & T stating flood insurance has expired with no evidence of coverage. 

XX/XX/XXXX received second letter from M & T requesting evidence of flood insurance coverage. 

XXXX/XXXX/XXXX contacted M & T by phone and through the message portal and advised the following - There is a Letter of Map Amendment Determination that the structures on my property are not in a special flood hazard area and M & T has acknowledged this and removed the flood insurance requirement. Please do not obtain lender place flood insurance for my property as it is not required. 

XX/XX/XXXX received the following response from M & T XXXX , Our Insurance manager is looking into this issue for you. We will be in contact when a resolution is available. In the meantime there will be no disbursements on your account because of the dispute. 

XX/XX/XXXX M & T processed a disbursement from my account for lender placed flood insurance. 

XX/XX/XXXX I contacted M & T through the message portal and advised that On XX/XX/XXXX M & T processed a flood insurance payment for my loan in error. This message is requesting you reverse the transaction and refund the {$260.00} to my escrow account. My property is not located in a flood zone. When I did not receive a response from the Insurance Manager, I assumed we were all set. 

XX/XX/XXXX returned a call received XX/XX/XXXX and was advised very rudely by the M & T representative that M & T is not waiving the lender placed flood insurance I will not be refunded THATS JUST IT.