23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agency took longer than 30 days to respond to my dispute as well as other violations according to the Fair credit reporting act which is listed on the document i provided
Product: Credit reporting or other personal consumer reports

I noticed unauthorized Inquires on my credit report. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting or other personal consumer reports

Filed dispute with XXXX XX/XX/2024, XX/XX/2024 and Again XX/XX/2024. I sent in documentation of bank check, letter from agency ( CNACXXXX ), and letter of acceptance of payoff from agency ( CNACXXXX ). All came back stating that I still owe that amount. It has been removed from XXXX, and XXXX but not XXXX.
Product: Credit card

I made a credit card payment that was due on XX/XX/XXXX, a XXXX  ( when Capital One does not allow online payments to be processed ) on the following business day, XXXX  the XXXX. This was scheduled on XXXX  the XXXX, which was the earliest I could send in a payment. I was charged a {$39.00} late fee. I had called in to have the late fee waived, specifically mentioning that that the Truth in Lending Act allows for payments due on a bank holiday or XXXX  that can not be processed to be accepted the following business day without incurring a fee, and was told that Capital One does not have any policy that prevents them from charging late fees regardless of the Truth in Lending Act. Regulation Z, 12 CFR 1026.10 ( d ) indeed notes that this payment should not have been subject to a late fee, as it was processed on XXXX  XXXX the XXXX.
Product: Mortgage

I refinanced my mortgage in XXXX of XXXX. Plaza Home Mortgage became my new servicer. When I refinanced, I did so without including an escrow account. I established and funded an escrow account with XXXX XXXX Mortgage. They cashed my seed check of {$6600.00} on XX/XX/XXXX. 

My property taxes were due XX/XX/XXXX but the bill was sent to me in XXXX. Since XXXX I have been trying to get my property taxes paid from my escrow account unsuccessfully. My property taxes are now overdue by 1 month. 

I have called their support phone line many times since XXXX and spoken with numerous people who have assured me that the taxes will be paid, but they have not been paid. 

I have sent multiple emails to their customer service email address that have gone unanswered. 

Now, when I attempt to call their support phone number XXXX XXXX XXXX XXXX, I am being routed to a fax machine. 

This is entirely unacceptable. They have my escrow money, but are refusing to pay my taxes and now I can't even get anyone on the phone.
Product: Mortgage

For the second time since XXXX 2016, the principal that was to be applied to my home mortgage was not and instead held in suspense. I am striving to pay my mortgage off within a year of XXXX. The mortgage payment ticket was completed correctly both times by me ( XXXX and XXXX ). The first incident involving the error took 3 weeks to correct and apply the payment to the mortgage principal. I received a letter from BB & T Bank dated XXXX and noticed that the full amount of the principal was not deducted. The payment amount was {$3500.00}. {$3500.00} is in now in suspense. This is disrupting my goal of paying the home mortgage off because BB & T is not applying the extra principal to the home loan. I am under the impression that BB & T is purposely holding the extra principal in suspense so that I will ultimately be paying more interest or someone is stealing money. This kind of mistake is unacceptable 2xs within 6 months. After contacting XXXX branches in XXXX, MD and the customer call center the issue is still not resolved. I received a statement dated XXXX and the mistake is not adjusted.
Product: Credit card or prepaid card

I never received statements for purchases. I was denied credit, and discovered that there was inaccurate information from Nordstrom 's and TD Bank on my credit report as a result of these statements which I did not receive. I would have happily paid for these purchases promptly had I received statements. Six months later, they are now asking for nearly DOUBLE the amount after late fees and interest. This is predatory and illegal. I never received any mail or calls or emails or texts about this, although wouldn't you know it, I have received plenty of advertisements. I made sure that I am NOT signed up for paperless, for exactly this reason. 

I called the company today and wanted to pay for these purchases if they would just fix the inaccuracies on the credit report and remove the illegitimate fees. They refused and said that their records indicate the statements were mailed. I never received these statements. I did move XXXX months ago, but I should have received several statements prior to this change. I confirmed that the address that they had on file on that time and the new address are correct. The reps I spoke with stated that they are not allowed to call people in Maryland ; I have never heard of this before, it does not make any sense, I would prefer a phone call or text, and I have had no problem receiving calls from other financial companies. After XXXX minutes on the phone with XXXX different people, XXXX refused to allow me to speak to a supervisor or provide contact information. 

I just want to pay for the original purchase amount, ASAP, after receiving an apology and a guarantee that this inaccurate information on my credit report will be corrected promptly and that these illegitimate fees and interest are deleted. Why is that so hard?
Product: Credit card or prepaid card

Bank of America is maintaining a blacklist of former accounts in violation of the FCRA and FDCPA. 

I was denied when applying for a Bank of America card, and was offered an option for a secured version of the card with different terms. The main reason stated for denial was that I had a current or past delinquency with them and/or one of their affiliates. I have never had a card issued by Bank of America, and no delinquencies at all on my credit report. Therefore, I can only assume they are referring to a card from one of the banks they have acquired since 2008,  which was closed, sent to collections and paid many years ago. This means that they are using data older than the statue of limitations ( e.g. time-barred ).
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a dispute letter to CITI regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to CITI stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to CITI stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for CITI to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All XXXX  and XXXX debts are considered XXXX XXXX XXXX, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. 

The Privacy Act provides protection to individuals in XXXX primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

XXXX  XXXX CLOSED MY ACCOUNT 2 MONTHS AGO. PAID BALANCE IN FULL. 

XXXX XXXX IS NOT ONLY REPORTING A {$140.00} BALANCE TO MY CREDIT REPORT/ 'S BUT IT IS ALSO SHOWING UP ON THE SAME CREDIT REPORT/ 'S THAT I AM NOW 30 DAYS LATE ON MAKING A PAYMENT TO THEM ON A CLOSED ACCOUNT//? ''A CLOSED ACCOUNT '' XXXX  XXXX STATED TO ME THAT IF I DO NOT PAY OFF THE ''INACCURATE BALANCE OF {$140.00} TO THEM. XXXX  XXXX STATED TO ME VIA PHONE THAT WE WILL CONTINUE PINGING YOUR CREDIT IN EXAMPLE ... 30 DAYS LATE..60 DAYS LATE..90 DAYS LATE ETC ... PLEASE HELP ME WITH THIS MATTER. THE ACCOUNT IS CLOSED ... I PAYED IT IN FULL ... I WISH TO NO LONGER DO BUSINESS WITH XXXX  XXXX ... I NEED THIS COMPANY TO STOP! THEY ARE DESTROYING MY CREDIT AS I DO NOT HAVE A MONEY TREE TO SHELL OUT CASH TO THIS COMPANY IN ORDER TO STOP THEIR UNLAWFUL REPORTING TO THE CREDIT AGENCIES IN TERMS OF THE WRONG AMOUNT I DO NOT OWE THEM AND THAT THEY WILL CONTINUE AS IF IT'S A REVOLVING ACOUNT//?? THE ACCOUNT IS CLOSED//THAT WOULD BE A COLLECTION AND OR DEBT OF SUCH A BALANCE NOT A REOCCURRING 30 DAYS..60 DAYS..LATE ETC ... ' '' 'PLEASE HELP '' 'TECHNICALLY THAT IM PRETTY SURE IS EXTORTION WHILE NOT ONLY BEING UNETHICAL BUT IS UNLAWFUL. 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to remove a collections from the XXXX XXXX. I never owed them anything I went to court with my cable company as they overcharged me and owed me money. Collection was an error and it was removed from both XXXX XXXX and XXXX  however Equifax refuses to remove it. The collection agency reached out to the credit agencies to remove the information
Product: Mortgage

Amerihome Mortgage have added on late fees to our mortgage, when we have till the XXXX of every month to make payment. They added late fees to our mortgage for no reason, and have stated on the phone they will continue to add if we don't make payment by the XXXX of every month. 

This is against their own terms and conditions. 

We did have some troubles making payment the last few months, but cleared that up and paid the deserved late fees on those. But, they tacked on late payments before our few months of troubles, and threatening us today.
Product: Checking or savings account

Today I received a email notification that my account was closed .... My account was negative for almost two months because wells fargo reversed a disputed charge .... I contacted them and explained the payment was paid by insurance company and was told that they would undue the charges again and to date I have received no notification of such changes ... ... They have also charged me fees that should n't be accessed on my account, I 'm tired of this bank stealing money from us ... .. they never sent me a letter stating the were denying the claim or reason as to why if the claim was denied .... very unprofessional of them .... with them the last 7 months ov er 10k has  been deposited into this account and ever over drafted or negative balance I have gotten in the past has been paid ... .. I had the opportunity account and was told that after year it would roll of to a regular checking and savings account ... ...
Product: Credit reporting or other personal consumer reports

I called Wells Fargo Credit Card to dispute the 30-day late report that is showing on my credit bureau report . They told me they could no longer remove the payment history on their end and told me to submit a complaint for the dispute to go through the proper channels to be removed from my credit report. I opened this credit card on XX/XX/XXXX over 22 years ago. I was more than 30 days late for the first time XX/XX/XXXX, which has impacted my credit score dramatically. I was told I can dispute and it would be removed. Please help me get this to the correct individual that can get this 30 day late payment removed from my credit report.
Product: Credit reporting or other personal consumer reports

This is my second request to delete LATE payments reported this Account needs to be updated as PAID as agreed NOT reported as LATE payments. According to Congress Federal law fair credit report act 15 USC 160 8 1AN definition exclusions contract in civil my ability for willful noncompliance erase and discharge the line of credit and transactions experiences that show late payments payment history and new credit. This shall be excluded on consumer reports you also need to show original agreement with signed wet ink signature for the following accounts I never gave permission to report this. also violates 15 USC 160 81EB delete these late reported account accounts immediately. Update XXXX XXXX XXXX XXXX # XXXX An update all of my consumer reports to paid as agreed NOT Reported LATE. Update these today and send me a new credit report that has been updated. Thank you, XXXX XXXX XXXX
Product: Mortgage

XXXX claims they have no time limit to refund escrow from paid-off mortgage. 

Refinanced, and closed on XX/XX/XXXX. Funded new escrow out of pocket, was assured the prior servicer would refund my existing escrow account. Previous mortgage was paid off in full. Sadly, I have been out several XXXX dollars for weeks now. I've delayed car repairs, and foregone contributions to retirement due to this. This expense was not anticipated during the cash-out refinance process. Am I entitled to lost gains on the amount due to the excessive delay? 

I made several calls to the prior loan servicer ( XXXX, formerly The Money Source ) throughout XXXX. It has now been a month since closing. No plan of action was provided which would ensure I received my refund inside the requisite 20 days. When I ask them how long they are allowed to take with this process, their response is that there is no time limit, and that it's their policy not to make any guarantees. All staff have told me to just keep waiting, and the next time I should call back keeps getting increased. Although they had such delays even getting the disbursement task assigned and started, they have laughed off suggested alternatives to XXXX ground mail, such as funding the new escrow or using the direct deposit system I used with them for years.
Product: Mortgage

closed on VA loan XX/XX/XXXX. used mortgagelendersofamerica. XXXX XXXX was MLA agent. XXXX assured me MLA could process the loan without Wells Fargo ultimately having my loan. I was very clear I did not want any association with WF. My loan is with WF.??
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, Subject : Urgent Request for Immediate Removal of Fraudulent Account ( XXXX  XXXX  ) I am writing to formally dispute the fraudulent account currently listed on my credit report under the name XXXX  XXXX  ( Account Number : XXXX ) with a balance of {$1600.00}. This account is the result of identity theft and has been reported without my authorization or knowledge. 

I have never opened an account with XXXX  XXXX, nor have I had any interaction with this institution. I demand that this fraudulent account be removed from my credit report immediately to prevent further harm to my financial well-being. 

To assist in your investigation, I am providing the following supporting documentation : A copy of my FTC IDENTITY THEFT REPORT A copy of my government-issued ID. 
A Police Report for identity theft, filed on. 

As the credit reporting agency, you are required under the Fair Credit Reporting Act ( FCRA ) to investigate this fraudulent account, and I request that you complete your investigation within the legally-mandated XXXX period. The FCRA further obligates you to delete any information that is found to be inaccurate or incomplete. 

I expect this fraudulent account to be promptly removed from my credit report, and I request written confirmation of the deletion. Failure to resolve this matter swiftly and accurately will compel me to escalate the issue further. 

Please treat this matter with the urgency it deserves. I look forward to your immediate response and the swift resolution of this issue. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have submitted many letters to the CRAs about accounts that are not mine and are reporting inaccurately on my credit report. I have sent at least 4-5 sets of dispute letters and they responded with stall tactics saying I am not sending my own letters as a response. The accounts listed on my letters are the accounts I want answers too. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt Collectors ) Also there is a late payment that should not be reporting that I want the late payment removed due to reporting my private information on a public record
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous letters to XXXX and Experian to verify this debt and they are unable to provide a contract with my signature on it. 

I have requested 6 times to remove this unverified this information, but they are unable to provide this. I'm not sure what to do. 

This account has been opened in XX/XX/2014 and still reporting as faliure to pay, how is it a charge off account that keeps reporting as faliure to pay?