23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I felt overwhelmed with the process from the start and asked all parties to also include my fiance and gave them permission to speak to him about my loan as he is from Mississippi and I am not. I am a single XXXX XXXX female with excellent credit, and I have never been late on my past mortgage. I retired from the XXXX XXXX XXXX after 30 years of service at XXXX years old. I paid my mortgage on time for the past 16 years, Now I am planning to get married and purchase a place in the south. My realtor suggested that I use Bancorp South, I figured they were a local bank therefore there should be no problem. We researched different loans and wanted to go USDA RD as they have other programs that we are interested in. I looked at the USDA website and found that Bancorp South was a preferred lender. At this time We feel that Bancorp south has dragged this loan process out, and have not treated me fair. <P/>
On XX/XX/XXXX I applied for a Mortgage with Bancorp South, I wanted to do a USDA RD loan because I am purchasing 27 acres with a 3bd/2ba home to an rural area and USDA is 100 % financing. I submitted my documents as normal, I was told that I would need a significant down payment because of my DTI ratio for an FHA, so I decided to use part of my deferred compensation to payoff my current home on XX/XX/XXXX.
I did everything that was asked, I sent given the seller {$1000.00} in Earnest money, the bank wanted a copy of the cleared check and the account statement that showed it cleared, I sent that. I was asked to complete a payment form with a credit card to pay for a {$470.00} appraisal, I paid for my appraisal on XX/XX/XXXX to Bancorp South. Then the loan officer started to ask for the same documents over again, I sent them in again. I sent in my mortgage payoff letter from XXXX XXXX, and the bank account statement showing the cleared paid mortgage and on XX/XX/XXXX I received a call from Bancorp South wanting to do a 3 way call with XXXX XXXX to ask if the mortgage was paid off and there were no late payments, the Bancorp south person asked the XXXX rep., the questions. Today someone has contacted my realtor to verify that she is whom she states she is, Why, I am the person buying the house. I feel like the bank is stalling on underwriting my loan, there is no reason it has taken this long I am due to close tomorrow and the loan is not in UW still. The bank always calls after normal work hours, when I am home and available all day to submit whatever they need immediately. I wonder would a male white would go through this if the situation was different.
Product: Debt collection

Attempts were made to pay off the amount owed to this company once I had to close the checking account that this payments were being withdrawn from without success over a year ago. I moved from about 1.5 years from that time, but had my mail forwarded to my new address at that time. XXXX XXXX apparently sold this account to Allied Collection Service ( ACS ) ( XXXX ) who has been calling and hanging up on me for the past few weeks. I called back on XXXX/XXXX/XXXX to see what this was in referenced to and discovered that it is the same collection account that I disputed from my credit report about a month ago without a response. The reason for the dispute was due to seeing duplicates of the same account and not having anything in writing from ACS.
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 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 fumish 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 I want the CFPB to publish this description on consumerfinance.gov so that others can leam from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Leam how it works. I consent to person knows or has reasonable cause to believe that the information is inaccurate.

Unauthorized Inquiries, report attached : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Auto loan generated 3 hard inquiries. Under the Fair Credit Reporting Act they were not for a firm offer of credit for therefore they should have been soft inquiries. Also contacted XXXX to remove the information but they stated they do not follow the Fair Credit Reporting Act and also refused to identify themselves other than XXXX. The inquiries are from XXXX XXXX, PNC Bank and XXXXXXXX XXXX on XX/XX/2023. These have negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX*** Balanced : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Called GM Financial. They told me they had not updated the credit report. So the amount reported includes both the end of lease charges and the payments I have already made. 

I advised them that the information was inaccurate. They did not take any action on this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Payment Account # XXXX a/k/a XXXX XXXX Loan XXXX are now again attaching the last account established for Home Improvement. They are as follow in order of attack and incorrect reporting : Evidence was submitted in the CFPB consumer Complaint # ______________ the XXXX Account XXXX and Account XXXX accounting procedures and procedures crossed referenced and reporting payment made to account XXXX ; being recorded to XXXX  account number XXXX instead of XXXX shown in XXXX  Client Payment History Current issue : XXXX  Account # XXXX Proclaimed to client that s/he payment had not paid XXXX payment for account XXXX and successfully reduced client credit score by XXXX XXXX a direct result of XXXX a/k/a XXXX XXXX reporting it as delinquent. 

Client add to include the amount paid for late fees {$10.00} late fee which increased the actual payment from {$320.00} to {$330.00}. ( See attachment ) XXXX a/k/a XXXX XXXX proclaimed to not have received payment made on XX/XX/2022 in the amount of {$330.00}, but the attached XXXX XXXX XXXX account ending in XXXX, PDF report clearly shows the said amount was withdrawn by XXXX  account XXXX a/k/a XXXX XXXX Loan # XXXX was actually withdrawn from client 's account on XX/XX/2022.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting

14 years ago I got calls for XXXX from collection people. I told them all to stop calling I AM NOT XXXX. NEVER knew XXXX. STOP. CALLING. 
They stopped but to this day my credit report has AKA XXXX. XXXX times I have sent letters to all XXXX credit co. I Have NEVER gotten a response. 
I tried to start my social security retirement on line but when asked questions to verify my identity I got the questions wrong. I was asked questions about recent transactions and I have none. I have no major purchases. I bought a new FORD FUSION for cash three years ago. When I tried to renew my passport I got those questions wrong too. I have to drive XXXX miles to a government office to prove who I am. This STINKS. 
I want the AKA of XXXX removed from my GOOD name and credit. 
I would like to know who has the authority to place an AKA on my report. 
I would like to sue for slander who ever did this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this account removed earlier this year due to fraud. I checked my credit report today and saw the XXXX XXXX on my Credit report. I never did this transaction and would like for this to be removed immediately.
Product: Debt collection

On XXXX XXXX, request that the following accounts that I mentioned below be incorrectly reported in my credit reports, XXXX XXXX XXXX # XXXX reported as open with loss balance of {$480.00}, XXXX XXXX XXXX # XXXX open collecting a balance in loss be investigated and corrected. of XXXX XXXX balance {$1400.00}, Pr Telephone # XXXX reported open at loss balance of {$520.00} As a result of the investigation made, these incorrect accounts still report my credit report.
Product: Checking or savings account

Around XXXX, I had applied for checking account online with BBVA bank. On XXXX, I received email application being reviewed, and more documents need.On XXXX I received emails stating the same as XXXX. XXXX, reviewed email stating application being reviewed. On XX/XX/XXXX, reviewed email from BBVA stating application was approved. On XX/XX/2021 {$500.00} was taken off for initial deposit for the account. 
On XX/XX/XXXX, I called BBVA bank customer service, because I forgot my username for online banking, and when I try to retrieve the username for online banking. It tells me I must be enrolled first. When I do try to enroll or activate the online banking service, tells me I already have account set-up. 
However when I called I was referred constantly to different department, and then reffer to a security officer in alabama who not take calls. 
Call them back on XX/XX/XXXX, after I told them what happened, they stated because of there system, they can not retrieve my username, or send link for me to get my username, and not eligible for the computer to send the link or security code to my phone, even though my phone is in my name and I pay the bill every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I have asked for the credit bureaus to stop violating my rights and privacy. I have not received an acceptable resolution with either attempt. Instead, the credit bureaus are not ignoring my legal rights. Because of their decision to ignore my rights, I am mentally, and physically " SUFFERING ''. I have gone into a deep depression, gone into escalated levels of anxiety, developed elevations in my blood pressure, and gone into severe distress and embarassment due to the stress that this is causing me. 

Nearly every single day of my life, I am being harassed by phone, texts, direct mail, social media direct messages, an by collection agencies sending individuals to my home and/or work with the attempt to serve me with lawsuit paperwork. Going through this has caused my life to be a very painful, and sad life to live. This violation of my rights has to STOP! It is affecting my quality of life and is making me mentally and physically sick. I beg of you, PLEASE respect my rights based upon the Fair Credit Reporting Act. 

The credit bureaus are reporting the companies listed in this complaint without my written permission, without my written consent, and without my written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with my written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act.

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress  and embarrassment. These violations must end now. 

I would like all negative information reported by or from each of the following companies permanently deleted from my credit reports immediately : XXXX XXXX XXXX XXXX XXXX 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

I am sending this complaint as I am being charged {$890.00} for an apartment complex that I moved out of in XXXX of XXXX. My father and I reached out to management with why I needed to break the lease and they stated I could move out without fees. I did notify management that I would be moving out before the 90-day notice due to me starting a new semester. At the time of turning in my keys, I was provided with an invoice with a XXXX balance ( please see attached ). Within the year I received mail at my new address stating that I owed {$930.00}. I reached out directly to the apartment complex and they stated I had a XXXX balance and did not know where this balance was coming from. I disputed with XXXX and unfortunately, my documents did not arrive on time to submit with my claim. Nation Credit Systems regardless continued to state that I owe them {$890.00}. Please see the attached for all the documents I sent to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED XXXX 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Product: Debt collection

On the XXXX of XXXX I noticed a collections account on XXXX  XXXX for a XXXX account I never opened. I disputed it through XXXX XXXX and it said that the I formation obtained was correct which it is not. There is a debt of {$3200.00} something and I never opened that account. It went to collection through amsher collecton services.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent several letters to Equifax on how these accounts were verified. i asked what method was used to verify and who they spoke with or what information was shared to verify. i asked them also to provide me with legal and binding agreement or contract that bears my signature, that shows that the account truly belongs to me. in addition, the child support is a personal matter and should not be reporting as a payment owed to a creditor. if they are going to report that, then they need to provide proof as the other mentioned accounts. 

1. XXXX Account XXXX : XXXX 2. XXXXXX/XX/XXXX Account Number : XXXX 3. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WAYRESGRP which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that WAYRESGRP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX XXXX XXXX XXXX XXXX falsely claims is owed {$9900.00} Account opened XXXX, XXXX I was made aware of this bogus account earlier this year when I tried to purchase a new vehicle. I have never received collection calls, mail or any communication from this company or the " original creditor '' concerning the collection of this bogus account. I immediately obtained help from a credit XXXX in an attempt to correct this and other errors I discovered on all XXXX of my bureaus. This particular account was disputed with all XXXX Bureaus and was immediately deleted from XXXX and XXXX. Equifax however has failed to delete this bogus account off of my report. There have been XXXX disputes initiated for this account with Equifax and they are still reporting it as verified. This however can not be true as it is NOT my account. They have also recieved proof of deletion from XXXX and XXXX. When I contacted Equifax about this, they stated that only the balance was disputed and not the account. However, the entire account was disputed. I have initiated a re-investigation, but at this point I have NO confidence that Equifax will remove this bogus account from my credit report. This is why I have chosen to get the CFPB involved. I will pursue this legally if needed as I have supporting documentation from both Transunion and XXXX stating that the account could not be verified as belonging to me and therefore was deleted off of both records.
Product: Credit reporting or other personal consumer reports

The complaint applies to a previous complaint XXXX. The company response states that will respond with in XXXX  days. According a response is required within XXXX days. Why is CFPB allowing this?
Product: Credit reporting or other personal consumer reports

XXXX account number : XXXX was reporting an inaccurate account to XXXX, XXXX and Equifax. XXXX investigated and reported the request for deletion to all XXXX on XX/XX/XXXX or XX/XX/XXXX. ON XX/XX/XXXX all XXXX had deleted this from my credit report. On XX/XX/XXXX Equifax reported this on my report again. I called XXXX and they stated they did not report this as my account is closed with a XXXX balance. They also sent me a email stating they electronically sent this information to Equifax on XX/XX/XXXX. I contacted Equifax and they stated they never received anything which I find hard to believe as all XXXX credit agencies was reporting it removed from my report. So Equifax is reporting inaccurate information on me which is causing me a problem as XXXX in the middle of a real estate deal. I need this investigated and removed immediately. Please see attached.
Product: Bank account or service

I opened an account on XX/XX/2017 for a bonus {$400.00} promotion they advertised. I opened this account over the phone and funded the account with my visa card the same day with {$1000.00}. I received the debit card several days later. When I called to activate, I was informed the account had been closed the same day and that I would get a refund of the opening deposit as well a letter explaining the closure. I called on XX/XX/2017 to inquire ron the status of my {$1000.00} deposit. I was informed by XXXX that there was no posting of the opening deposit and that no refund would be issued.
Product: Debt collection

I have repeated calls that started on XXXX XXXX. They call twice a day and refuse to tell me who they are and why they are calling. If it is a debt collector they have not sent any written validation notice within in the required 5 day from first contact. They continue to harass and annoy me and refuse to tell me who they are or why they are calling.
Product: Credit reporting or other personal consumer reports

I am filin a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a though investigation. REPORTING ACT ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.