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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

On XXXX we listed our home for sale with a realtor. XXXX we entered into contract to sell. Closing was set for XXXX. On XXXX we were notified by XXXX XXXX and XXXX that there was a lien/mortgage against the property recorded at the county courthouse. We filed bankruptcy in the early 2000 's ( not sure of the year ). This property was listed in the bankruptcy. In over 20 years we never received any notices, foreclosures or otherwise in regard to owing anything. We were told it was discharged. Now three ( 3 ) days before closing we were told about this. We don't know where or how this could ever happen and was unexpected. Closing is postponed until XXXX. The title company had a very difficult timing contacting anyone to find out payoff information. Finally on XXXX they received payoff letter from PHH Mortgage. We contact our attorney to negotiate a lesser amount. She emails and calls PHH Mortgage and does not receive any response for 2 weeks. She advises us that according Illinois law, we would have to close or be possibly be in a lawsuit or other legal action from the buyers. Closing was XXXX and we had to sacrifice paying this unknown mortgage. I call XXXX Mortgage at XXXX on XXXX at XXXX XXXX talked to XXXX ID # XXXX - XXXX at XXXX XXXX talked to XXXX ID XXXX XXXX - XXXX @ XXXX XXXX talked to XXXX ID # XXXX. No one was ever able to offer any assistance or would return calls if I left voicemails. I emailed as instructed to XXXX & XXXX and received no response. The only email I would get a response from is XXXX. Please see attached emails. They did offer over 50 % discount which we agreed to. They then request us to pay and I sent them the check and proof of delivery. They informed me that release would be sent. I asked for refund as we absolutely had to pay much more and was told there would be no refund. All of this negotiation, once we could reach out to someone took over 30 days. We were notified of this being due on XXXX and closing had to occur on XXXX -- -- 2 weeks. This delay in communication has cost us over {$45000.00} which we feel is unnecessary do to lack of response on PHH Mortgage. We are asking for any assistance to recover this money we had to sacrifice in order to sell our home.
Product: Mortgage

I refinanced through rocket mortgage in XX/XX/2022 with a fixed rate and conventional loan, they just sent me a notice in XXXX my payments are going from {$1100.00} to {$1500.00} which I cant not afford, they states to call my homeowners insurance and my local treasury. My insurance company said my insurance had only went up by XXXX $ a month and the treasury office told me taxe property in my area only went up {$270.00} so only {$23.00} more a month, which is about {$50.00} not almost {$500.00} I called my mortgage company and advised of this and they are not willing to explain the reason of the adjusted payment or willing to work with me, I believe when I refinanced with rocket mortgage they made mistakes in the process, I believe they no they made a mistake since Im getting no answers from them, which is causing stress landing me in the hospital for 3 days and this will make me lose my home that I world so hard as a single mom of XXXX kids living at home. I should have rights, with my payment going up so without notice and no explanation, rocket mortgage needs to be looked into how they are processing loans and following all regulations and not doing shady business, and hiding bad business practices
Product: Mortgage

Took mortgage from LoanDepot XXXX XXXX XXXX : XXXX ). Made first payment on XXXX, 2016. Then got the letter that the mortgage account was sold to XXXX XXXX XXXX XXXX : XXXX ). When I called LoanDepot, they said they wired the first payment amount to XXXX Bank after a month XXXX XXXX XXXX ). Contacted the XXXX Bank and they say they have n't received the amount. XXXX Bank issues another notification to me that I still have to pay the amount. 
Highly frustrated with both LoanDepot and XXXX Bank transactions. Both parties say they completed the transaction properly. Not sure where the issue is but being a customer I had to pay XXXX loan payments in one month and also could n't get the benefit of paying off a payment before 2016 yearend.
Product: Debt collection

I moved out of the XXXXXXXX XXXX in XX/XX/XXXX. I received an email from XXXX XXXX XXXX XX/XX/XXXX that I had an outstanding balance due. I emailed back the same day, no response. I called the next day and was told that the balance included a {$150.00} charge for damaged flooring. I instructed the billing department rep that I had photos of multiple areas of damage to the flooring that was evident upon move-in and was instructed to email again, attach the photos, and that they would forward the photos and details to the local management office. I was also told that the billing department would be responsible for all communications in-between since I was no longer a resident at the property. I then attempted to follow up on the outstanding charge on XX/XX/XXXX, XX/XX/XXXX. XXXX, and XX/XX/XXXX, and never received a single response. Then on XX/XX/XXXX, I received an email from a 3rd party collections agency stating that I owed the same balance against the same account. I called the XXXX billing department that same day and was told that they no longer had possession of the account, there was nothing they could do, and that I would need to contact the local property management office in order to have the account retracted and deleted, as it had already been reported to my credit causing an almost XXXX point drop to my credit score. I called the local property management office the same day, left a voicemail, and got no response. I then emailed the corporate XXXX office XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to identify who could assist with this issue. Finally I received a call on XX/XX/XXXX from the new property manager at the XXXX XXXX, who told me she had no capability to retract the collections account, had no authority to resolve the issue, and had no other contact at the corporate office who had the power to do so. I was advised by her to file a complaint with the CFPB, including copies of my attempts to contact the billing department with XXXX response, in addition to disputing the charge with the credit bureaus. I have attached emails that include my multiple attempts to reach the billing department for a response, the photos that show multiple areas of damage to the carpets from the day I moved in, a copy of my phone bill showing my initial call to the billing department the day after I received the initial balance, the email I received from the collections agency, and the following day when the account hit my credit with the negative affect. I still dispute that I do not owe the full amount on the outstanding balance and the local property manager was not able to provide any resolution other than recommending I file complaints/disputes to resolve the account.
Product: Credit reporting or other personal consumer reports

I received an updated consumer report from your agency and these accounts were verified. Im writing to request a detailed description outlining how the investigation process is conducted by your agency for the accounts listed below.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 7 ) Method of Verification Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.

XXXX  Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediatelyXXXX XXXX XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. XXXX  Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately.
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 voliated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 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 XXXXXXXX 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: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX and XX/XX/XXXX are inaccurate. My payment history reflects consistent on-time payments, and I have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Summary of Errors and Discrepancies : The account reflects late payments in XXXX and XX/XX/XXXX, which are inaccurate. 
Payment history should reflect 100 % on-time payments. 
The discrepancies misrepresent my creditworthiness and violate consumer protection laws. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I would like to be able to link my XXXX account to my checking account. PNC will not allow this.
Product: Checking or savings account

On XX/XX/year> my identity was stolen. Whoever it was opened an online account with my information with XXXX When I found out about it, I called and was told I needed to file a police report to close the account. Since I had already done that, I sent them the letter they required with the police report number. They WILL NOT close the account. 
They opened the account without verifing it was me and now they won't close it. 
The police asked for video survelliance footage but since this is an online account they of course can't provide the method they used ( didn't use ) to verify it was actually me opening the account.
Product: Debt collection

Debt collector " XXXX '' attempting to collect on invalid debt.
Product: Checking or savings account

I've opened a Saving account and Safe Deposit Box with Suntrust Bank Branch location : XXXX XXXX XXXX XXXX, XXXX, GA XXXX in XXXX. I forget all about the safe deposit box due to me moving. I went back to the same branch location earlier this year attempting to retrieve the contents/ property that was inside the safe deposit box. The branch manager attempted to lookup my information via my Social Security, Name, Address. She stated system shows " no account found ''. I explained to her that the saving account and safe deposit box was opened Under Suntrust Bank, not, Truist. She stated system would have still found my account base on my social security. The Safe Deposit Box had my original Birth Certificate and I want it back. I also had other personal items inside the safe deposit box. I want all the content back. I'm originally from XXXX, it will be extremely difficult for me to get another copy of my birth certificate from XXXX due to the country 's political unrest. At no point did someone from Suntrust or Truist bank contacted my about the safe deposit box. Never received any letters regarding box being closed down. I currently live in Florida and attempted to get a local branch manager at Truist in XXXX XXXX, FL to assist. She went an email to the XXXX, GA branch and XXXX XXXX was supposed to get back to me, but I have not heard anything over 2 months. I also contacted GA Dept of Revenue/ Unclaimed Property division and they don't have any item for me from Suntrust/ Truist bank .
Product: Credit reporting or other personal consumer reports

I reviewed my new credit report and i saw information which i believe, doesn't belong to me, so i am writing to dispute accounts and inquiries on my credit report. I discovered several accounts and inquiries that are not related to any transactions I have made. This indicates potential identity theft. 
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Product: Credit card or prepaid card

I had requested refunds for two ( 2 ) transaction on my Capital One credit card, both for airline tickets on XXXX XXXX XXXX. On XX/XX/2020 I purchased two tickets from XXXX to XXXX, for {$690.00} USD. This flight was to take place on XX/XX/2020. The flight was cancelled by XXXX, and never took place. 
On XX/XX/2020 I purchased two tickets from XXXX to XXXX, for {$230.00} EURO. This flight was to take place on XX/XX/2020. The flight was also cancelled by XXXX, and never took place. I submitted in writing the refund request to Capital One on XXXX, and XX/XX/2020 for these two charges ; this was only after repeated attempts by me to get a refund directly from the airline. US Dept of Transportation rules clearly state that if a flight is cancelled and you choose to cancel your trip as a result, you are entitled to a refund for the unused transportation. Capital One was supplied copious information and documentation for these charges and cancellations. Yet they still have denied my claim, citing that my request " lacks information needed to validate your dispute ''. I have made over 40 phone calls and sent documentation in writing and via their online portal, yet CapOne still refuses to honor this claim. They have reapplied the two charges to my account after initially posting the required temporary credits. They have now placed my credit history in jeopardy by trying to collect these two charges without any proof that they are owed the money. I never received the services these charges were for. 
This is Capital One Case # XXXX XXXX XXXX XXXX ( same case # for both claims ).
Product: Debt collection

I have contacted Advanced Collection Bu three times requesting validation of an account being reported on my credit report. Letters were  written and mailed to this company on the following dates : XX/XX/2020, XX/XX/2020 and XX/XX/2020. This company has failed to provide me with any form of validation. When I spoke with a representative from the company I was informed that they will continue to report on my credit report. This company has also re-aged the account every month since I requested validation from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email saying that i got an inquiry from Golman sachs for new credit but i did not apply for new credit nor did I authorize this. I called trying to get it remove they said they do not see anything
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigated but my credit report says otherwise. There are multiple inaccuracies on all 3 of my credit reports the dates, payments and numbers on my credit report are inaccurate. 

It is stated under 15 U.S.C 1681 that everything on my report must have 100 % pure accuracy.

My rights also violated under 15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 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. My right to privacy has been violated under The Privacy Act of 1974.

This charge off is also considered a certificate of indebtedness which means that this is now income and income can not be reported to my credit report.

15 U.S.C 1681n - Civil liability for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a 2nd letter to Experian requesting inaccurate information be removed from my credit report. I was notified on XX/XX/XXXX that the information was received and I could view the results online. As I logged in to the view results I was advised I could NOT view results online and needed to call. I called In and was advised they could only update my address and then the new updated address is still INCORRECT! My address is XXXX XXXX XXXX XXXX, GA XXXX. I enclosed a copy of my drivers license, social security card and utility bill AGAIN and they have still refused to remove addresses that are not deliverable to me. From my understanding of the state and federal laws of reporting that no entity has the right to retain, report, transfer, sell or utilize any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any not compliant information. 

I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any other addresses to be retained or reported, I am requesting Experian delete them NOW or produce proof of their legitimate authority to retain much less report inaccurate without infringing my consumer rights. 

The addresses Experian has listed are NOT DELIVERABLE TO ME and I am requesting the IMMEDIATE removal for the following addresses again : Address # 1 NO LETTERS XXXX, GA XXXX Address # 2 XXXX XXXX XXXX XXXX, Ga XXXX Address # 3 Unknown, XXXX, GA XXXX Address # 4 XXXX XXXX XXXX, XXXX, GA XXXX The removal of unverifiable and inaccurate information is a violation of federal statute!
Product: Credit reporting or other personal consumer reports

Please verify these inquiries, as I do not recognize them and wish to remove them from my credit report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

asked to remove off credit report was discharged through XXXX 15USC1692C
Product: Debt collection

Money was illegally taken from my Account for a loan that I had trouble paying back. I was in involved in a work related accident, so I work limited hours. Once I had more money. I would set up a payment arrangement, but they couldn't wait and took all of my money. They hired a third party named XXXX as a debt collector for the loan.
Product: Mortgage

Im trying to refinance my mortgage out of Amrihome to a different lender and they wont issue a payoff letter. Thire claim is that as they dont have hazard insurance on the property they cant issue payoff notice. 
Though I have explained repeatedly that I can not insure the house as its about to be demolished and that the new lender is providing me with a construction loan facility they dont seem to except that. 
My constant conversations with supervisors at the call center who promised me that they understand and therefore will issue such payoff notice ended again in disappointment as no payoff notice was sent. 
In light of their conduct my closing for the refinancing did not occur and I would have to redo the whole process and pay additional fees for the new lender. Nothing seems to matter to them as today again I was promised an email and escalation but nobody contacted me. 
Seems like Im in limbo no in light of their conduct my closing for the refinancing did not occur and I would have to redo the whole process and pay additional fees for the new lender. I also gave them permission to impose insurance on me and to charge me with the premium.