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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have full account but I put the numbers reporting on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> i was involved in a XXXX XXXX with my wife and we suffered injuries that forced us to miss work. The following month One Main received a payment fton XXXX  for {$5100.00} when my car was deemed totaled. I have been making my monthly payments for several years and explained that due to our loss of income we would need to fore go a few payments ( i had requested 4 months ). They advised that payments need to be made and cant miss any payments, they let me pay XXXX my monthly payment but put me behind and now want full payment amount starting XXXX loan number XXXX
Product: Credit reporting or other personal consumer reports

I found inaccurate/false credit reporting on my credit report information for debt. That does not belong to me. utility bill/collection in a state that I do not and have not ever lived in. Please remove this from my report. Thank you.
Product: Credit reporting or other personal consumer reports

I had a personal loan with XXXX XXXX XXXX XXXX and because of the covid-19 I couldn't pay on it and it went to collections sometime later I contacted the credit union I made arrangements a little before XX/XX/20 and I started paying on the loan sometime later I finally paid off the loan on XXXX, XXXX but I went to pull my Equifax credit report and it's still saying it's in collections/ charge off which is not true and I know what the Fair credit reporting act that they have to report accurate information and I will show the actual law that they have to follow I will show also as well that the bank statement showing that I owe absolutely nothing on this loan and it's paid off and the attachment below the account number that Equifax has associated with this account is account number XXXX
Product: Credit card

Earlier this fall I moved some debt into accounts offering a 0 % promo for a limited term. I noticed on my statements from 2 of the accounts in the same bank that I was being charged interest on the service fees of 19.99 % for one ( {$2.00} on {$150.00} ) and 16.99 % for the other ( {$3.00}. XXXX on {$230.00} ). 

I've made these type of debt moves to lower rate offers a lot over the years, and how it's typically worked is that the transaction service fee is : 1 ) paid in full on the first payment along with the 1st minimum payment, or 2 ) it is held in a separate area and any payments you make that exceed the minimum payment are applied first to the service fee and once that is aid off applied to the principal debt, or 3 ) the service fee is rolled into the amount of principal debt owed. 

I called the bank to find out how to pay off the transaction fee in order to avoid paying the interest on those. I was told, " You can't. '' It was explained to me that the service fee doesn't get paid off until the principal debt gets paid off. There is no viable option for the consumer to pay off the transaction fee prior to the debt being paid off. 

So ... in other words, the bank is holding the transaction fee XXXX and collecting a high rate interest on it for at least the full term of the 0 % promo. This sounds wholly unethical to me and I suspect it might even be against US / XXXX finance law. I've tried to discern the legalese surrounding these transaction fees and whether or not they can be subject to interest charges in the paragraphs in 1026.4 ( c ) but it doesn't seem to specifically address this situation. ( Possible loophole? ) My issues are threefold : 1 ) Is a bank legally allowed to hold a transaction fee XXXX from having any options to be paid off during the term ( s ) of the 0 % promo and beyond?

2 ) There is so much missing information around this. There is no disclosure by the bank about this and my understanding is that anything involving interest rates being applied to funds owed must be disclosed. Plus, unlike other banks, on the statements they do not disclose the 0 % promo end dates, which is inconvenient and ushers in the likelihood that the consumer will lose track of that and end up making at least one payment under the expired promo with the higher interest rate.

3 ) Is it even allowable to charge interest on transaction fees and treat them the same as though they were a credit card purchase? 

I contact the NYS Attorney Generals office by email, and was told to file a formal complaint with them. I did that, and got a response back saying they've sent the complaint to the bank, but advising me to also file a complaint at the federal level as the bank in question is a federally charted financial institution. 

I called, and the representative could find no information about this particular situation and advised me I could file the complaint here on the website.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2023, I attempted to use Official Payments/ ACI Paymetns , Inc. to pay my state taxes by credit card. I could not log into my accounts ( nothing happened/site did not respond ) so I continued to check out as a guest. After filling out all the form fields, entering my payment info, and hitting submit I received an Access Denied error. 

Access Denied You don't have permission to access XXXX XXXX XXXX XXXX XXXX' on this server. 
Reference XXXX XXXXXXXX Access Denied You don't have permission to access XXXX XXXX XXXX XXXX XXXX' on this server. 
Reference # XXXX XXXX XXXX XXXX I tried accessing the sites again in XXXX mode using XXXX, XXXX, and XXXX. I even tried again today. I still can not access the websites. 

I called the customer service number at XXXX and could never reach a human for assistance. 

I emailed customer support at XXXX and have yet to receive a response beyond an automated copy/paste response. 

I can't believe this compay is supposed to be a payment processor for federal and state taxes! Completely unprofessional and untrustworthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FCU with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, de XXXX  I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX. ) Account # 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. 

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
Product: Debt collection

A medical bill is on my credit report from Wakefield in 2017 in the amount of {$900.00} that I did not do.
Product: Prepaid card

Last XXXX I realized I never got my third stimulus check. I called the IRS, after a failed attempt of my own to track it down so they could start a trace. I was using OPT+ as my bank card. They have since closed their US market with no forwarding contact information. I called the bank they used as their middleman, Axiom, I was given a phone number, its no longer in service. I then called OptPlus XXXX offices and was given an e-mail address ; I was told that's the only way you can contact them ; I emailed them on XX/XX/XXXX and have not heard back. They are not answering the IRS inquiries either. 

I don't have my old card number but I do have the routing number and my account number that I was given by the IRS. 

Routing Number XXXX Acct. - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate bankruptcy entry that has appeared on my credit report. As a diligent consumer, it is imperative for me to ensure the accuracy of my credit history. To facilitate a thorough investigation into this matter, I kindly request access to the LexisNexis report associated with my credit file. Having access to this comprehensive report will enable me to provide additional evidence and context necessary for resolving this dispute effectively. I understand the importance of accuracy and reliability in credit reporting, and I am committed to working collaboratively with you to rectify this discrepancy promptly. Please send within XXXX business days to my email : XXXX XXXX
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.

CURRENT : 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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crime la which antedates the reports 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

EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX XXXXXXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/2022 XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$380.00XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Mortgage

I received a loan from XXXX XXXX XXXX in XX/XX/XXXX. It was immediately bought by XXXX XXXX and is serviced with RoundPoint Mortgage. They have made multiple errors in payments with my escrow account. First they paid taxes on a piece of property that is in my name, but is not covered by the mortgage I have with them. They corrected the property information on the account after months of phone calls and emails. They have recently realized that I have been over charged for my escrow in my loan. They refunded {$1600.00} at the end of XXXX. 
Instead of reducing my escrow they have decided to increase my escrow based on a random calculation. This allows them to hold {$1700.00} a year over the base cushion required in my loan. My loan requires an escrow cushion of approximately $ XXXX/year. In XXXX I had {$1600.00} over that cushion. 

Now in XXXX I will have {$1700.00} over the required cushion in my loan. No amount of phone calls and paperwork filed with RoundPoint mortgage has resolved this issue. 
In addition, I never signed a loan with RoundPoint mortgage. Why am I being forced to maintain an escrow account based on a 24 month requirement that I never agreed to? 

I have never missed a payment. I pay all my bills, credit cards included, in full every month. I have excellent credit. The escrow account should not be a requirement with RoundPoint as I never signed an agreement with them. I applied to remove the escrow due to their errors and my excellent credit, and was denied due to a 24 month requirement. 
This company has made correcting their mistakes regarding my escrow a full time job. 
HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments being reported inaccurately on my 3 consumer reports. They're all reporting something different ( XXXXTUXXXXXXXX  ). I have reached out to all creditors and 3 bureaus and all give me the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to unauthorized information. I feel like my disputes have been completely disregarded and ignored. Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand these unauthorized inquires be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX XXXX XXXX My information was impacted by the Equifax databreach and may have been exposed to the wrong person
Product: Student loan

Navient 's allocation of principal and interest. Having three constants ( interest rate, monthly payment, and time interval ) the loan amount is increasing instead of decreasing over time. I have reviewed the spread sheet from the beginning of loan and it seems like the principal outstanding amount is increasing. I believe I am a victim of fraud committed by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

I had a XXXX  account and my ex girlfriend called XXXX and added herself as a authorized user and sent herself XXXX and XXXX XXXX  for XXXX year it said sent my daughter XXXX a week and it wasnt me and she never received it
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 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Once Again Wells Fargo Home Mortgage has violated and disregarded my order to Cease and Desist from all further communication until providing the lawfully requested information that they are legally and lawfully bound by policy to provide to a consumer upon request, Once again violating the FCRA consumer FOR THE RECORD today the XXXX day of XXXX of XXXX XXXX  via XXXX mail WELLS FARGO and Wells Fargo Home Mortgage sent mail to the property that they have no rights to and non compliant to consumer request to cease and desist from all further communications This report will be used as evidence against Wells Fargo Home Mortgage to show that they are in fact in breach of contracts and in violation of FTC, GAAP, and consumer rights under the FCRA
Product: Payday loan, title loan, or personal loan

This company is Garnishing my checks Without my knowledge Never took me to court never sent me papers that they're gon na send me to court I'm just wondering how they are able to do This
Product: Credit card or prepaid card

I have been asking for a Hardship program for past 8 months. I am told that they don't have any hardship programs. I have been affected by Covid 19, and I was unable to make my minimum payment. I have been calling since XX/XX/2022 requesting supervisor to call back. Noone but the collection department is calling back. Late fees have been accumulating and no offer was made by Avant. Now my credit card is overdrawn by {$150.00} due to Avant 's refusal to negotiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my identity stolen and I have contact the police and received a report and sent it to both Discover XXXX XXXX XXXXl. They will not accept that I am telling it's not of my doing and now I can't refinance my house and I am forced to put it up for sale
Product: Mortgage

began a home building process in XXXX XXXX, deposited {$18000.00} with XXXX, home was built, closing occurred XXXX XXXX and {$18000.00} deposit was added back to amount. 
False appraisal of home was $ XXXX for a $ XXXX note. Closed then and moved in, one year later GMAC became servicer and jacked up {$1800.00} monthly payments to {$2700.00} based on false appraisal.XX/XX/XXXX, AHM went bankrupt, XXXX rejected {$80.00} XXXX in XXXX XXXX trusts, XXXX XXXX XXXX XXXX [ XXXX XXXX of XXXX ] bought those XXXX garbage trusts made by XXXX and serviced by GMAC for a mere 1 % .This is called RE-VENUE not a real purchase, he got only rights not full equity claim. I Filed TILA claim in XXXX XXXX against XXXX and GMAC, one month later XXXX XXXX as " trustee '' of voided bankrupt trust, filed a foreclosure suit without standing as trust was voided.Still in my home and I have filed several complaints to you, and agency created from my complaints. See case # XXXX filed XXXX XXXX in Fl. XXXX. can be seen on pacer.gov So now, XXXX XXXX was behind trying to foreclose on me all along, and OCWEN is and has been committing fraud, by not revealing the true party in interest.OCWEN claims to be " servicing '' a bogus trust for XXXX XXXX, all who are hiding behind XXXX XXXX. See attachments. The BK court in my case, duscharged all debts leaving only a " creditor with a valid lien '' and there is no creditor only fraud based debt collectors trying to get their 1 % investment plus another illegal 99 %, this is how the corrupt 1 % rich get rich, but XXXX for 1 % and collect 99 % from the 99 %, who dont know what is going on.Then there is me, smarter then all others. I want you to file an amicus breif on my behalf and know that they tried to make XXXX trusts from XXXX home documents.FRAUD. the case is in XXXX county florida XXXX circuit [ XXXX ] case # XXXX