23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX  Acct # - XXXX XXXX  XXXX  Acct # - XXXX XXXX XXXX XXXX  Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX 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 supposed to modify accounts that aren'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 an 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 XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, fraudulent accounts have been added to my credit file without my knowledge or authorization. Under 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts be blocked and deleted from my credit report immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

they reported XXXX claims on my XXXX credit file that is untrue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent TOWER LOAN a certified mail letter, informing the company that they are unlawfully reporting an unauthorized inquiry on my consumer report without my permission in which I have yet to receive a response. 
TOWER LOAN is in violation of my rights as a Federally Protected Consumer
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received XXXX Bitcoin ( BTC ) from coinbase.com when I opened a new account with them ( using an .edu email address ). I have since graduated and lost access to my .edu email account. Since XX/XX/XXXX, I have been actively trying to have my account transferred to my Gmail email address. 

The support section of their website ( https : //support.coinbase.comXXXX ) said I must verify my identity, which I did on XX/XX/XXXX. Per the written instructions, I contacted Coinbase ( https : //support.coinbase.comXXXX ) to alert them that all steps have been completed for my account to be transferred to my new email account. 

The company has stopped communicating completely, and has not replied to several requests for advice on how I can access my currency.
Product: Checking or savings account

I was scammed by a a fraudulent buyer on XXXXXXXX XXXX claiming they wanted to buy a XXXX XXXX I was selling. They told me they sent me XXXX via XXXX but it was locked up because XXXX business required them to send me XXXX that had to be sent back to the buyer to release the XXXX to me. They had a XXXX customer service rep from XXXX call and try to assist helping me. I never received the XXXX and the fake representative scammed me into losing XXXX from XXXX and XXXX from XXXX. US Bank gave me the provisional credit back of XXXX but denied the XXXX from XXXX because its a third party app. I did not authorize these scammers to take my money without getting anything in return. This has caused me financial hardship. I would like your assistance in getting my refund. Banks are insured by the FDIC for these instances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to provide false and misleading verification to credit agencies Transunion, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, XXXX XXXX has Violated my rights to share records without my permission. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section XXXX : states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX, and XXXX Accounts has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I have been trying to get my credit score corrected with all three credit bureaus. Equifax has been able to increase my credit score with the corrections it is making. But they are dropping the score with no justification. Since I started my dispute they have dropped my score 3 times. First was XXXX point the second was XXXX points and today they dropped it again XXXX points. Total dropped points XXXX points. They have not made any comments or notifications as to why the score is being dropped. They are misrepresenting my credit report to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am recently out of XXXX  and have made arrangements with my creditors to pay my debts. My payments to XXXX XXXX XXXX XXXX show a decreasing balance but my credit score is not reflecting this. The message on my credit report says, " this account needs your attention. '' It is showing negatively. I have reached out to the credit bureaus to dispute the info several times. XXXX says its up to the credit bureau to update my credit score. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I sent a check to XXXX XXXX XXXX XXXX to pay off my XXXX balance. The check arrived 3 days late. It was due XX/XX/2020 and arrived XX/XX/2020. I have been with this company for several years, and this is the first time that I have ever been late with my payment. I was charged {$29.00} for a late fee and {$11.00} interest. My complaint is not about the {$29.00} late fee. My check was late. My complaint is being charged {$11.00} for interest on a balance of around {$700.00} for just three days. This, in my opinion, is usury. I called the company and did not receive an adequate explanation for the extremely high interest rate. In addition to never before sending in a late check, I have always paid off the full balance each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

Dear CFPB, My Name is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX XXXX unfortunately both deceased. 

I am complaining about JP Morgan Chase Bank, filing an illegal foreclosure and eviciting me from my parents home on XXXX/XXXX/XXXX, Fact on XXXX my father passed away XXXX XXXX XXXX, Fact on XXXX XXXX, My Mother Passed away XXXX XXXX XXXX XXXX Fact I lived with my parents my whole life at XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX On or about XXXX/XXXX/XXXX JP Morgan Chase Bank filed a fraudulent foreclosure action against my Mother XXXX XXXX XXXX deceased which is legally impossible to do, suing a dead person is a legal nullity, facts they and their attorneys XXXX and XXXX XXXX was awarded a Judgement of Foreclosure and Sale by a Judge who was bribed, they can not sue a dead person it is legally impossible, XXXX and XXXX XXXX XXXX did not have standing to sue because they are an LLC and forbidden under the Illinois Attorney Act.. The Court did not have jurisdiction to hear the case because it was a ( Probate Matter ). Fact the obligation was paid to JP Morgan Chase Bank on or about XXXX. I am demanding that JP Morgan Chase Bank be prosecuted for fraud and destroying all of my personal property. They violated the XXXX XXXX XXXX. They did not enclose payment history to prove that the mortgage was paid off in the Foreclosure Case 13-CH-136 as required by Illinois Supreme Court Rules Specifically Supreme Court Rule 113. They did not disclose payment history because they took advantage of my parents USURY and the illegal foreclosure. They have bribe the Clerk Of the Circuit Court they can not administer estates. I have asked their attorneys XXXX And XXXX numerous times to validate the debt and they refused. Suing a dead person is impossible. JP Morgan Chase Bank N.A. has taken advantage of deceased mortgagors and veterans and their dependents.
Product: Debt collection

I resided in XXXX XXXX Apartments and decided not to renew my lease. I gave XXXX XXXX a notice regarding my decision in a timely manner. On XX/XX/XXXX I completed my inspection satisfactorily and returned my keys. I did not pay XXXX 's rent however went to Magistrate court on XX/XX/XXXX. I spoke with a lawyer who represented XXXX XXXX and agreed I owed {$1100.00}. At this time, XXXX XXXX has forwarded my debt to Professional Debt Mediation.  Professional Debt Mediation is not a mediator, they work on behalf of XXXX XXXX. Professional Debt Mediation has placed a debt amount of {$1500.00} on my credit report. I have disputed the amount with XXXX XXXX, Professional Debt Mediation and the credit agencies. I would like to resolve this matter as soon as possible. I applied for an apartment and was denied due to my rental history. XXXX is the property manager for XXXX XXXX and refuses to contact the lawyer to retrieve the accurate amount owed. I want to pay {$1100.00} and this erroneous debt to be removed from all credit agencies involved.
Product: Mortgage

Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose. 3. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in XXXX in a communication to be sent to the borrower as indicated in XXXX 4. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case may be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
Product: Mortgage

I had a mortgage with XXXX in 2014 to where I got behind on my payments and started the paperwork for a HAMP modification. My wife and I were approved for the HAMP mod. and received the paperwork to sign and fax back and during all this the home was being sold on the courthouse steps to a private investor which is unlawful for a mortgage company to do while a HAMP modification is in application process. We ( my wife and I ) had an emergency meeting with the investor and the judge and came to an agreement that if the investor could get his money back from the sale at the courthouse that he would give our house back to us. Well that went through fine but the house was taken out of our names and before putting it in the investors name, the foreclosure was halted and now, we are and have been paying for a house for 5 years now to SLS financial that isn't even in our names nor anyone else for the sake of the matter and we don't want to stop making payments and ruin our credit. The local court is giving us the run around telling us there is nothing they can really do. What can be done to fix this matter with the mortgage company considering we are no longer at a contract for deed?
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc on all the accounts listed : XXXX XXXX  XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$9.00} XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment $ XXXX XXXX, XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$460.00} Highest Balance {$460.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$460.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit XXXX Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit XXXX % Creditor Contact Details XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual XXXX {$210.00} High Balance {$210.00} Remarks
Product: Debt collection

Dynamic Recovery Solutions this is the 2nd bill I got from 2011. I made a deal with them for the first one I was on the phone with these people and she never once said I had another medical bill from 2011. I have been on disibility for 9ansd half years and this is the first time getting these bills. I was never informed of dispirited or never received a letter from them this crazy. Iam XXXX I dont care who lives in the XXXX White House he pushing my buttons and XXXX XXXX is too. If u cant help me send me to someone that can. Also I just made my first payment last week and that is it I will be asking them to remove my debit card. Then she threw in that its going on my credit report as a paid not in full 7 years I thought that was the rule I guess XXXXXXXX XXXX XXXX the XXXX its different in America. These bills are way over 7 years if I have to wait 10 I will.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that all fraudulent information must be blocked and removed from my credit report within four business days of notification to the credit bureaus. I have taken the necessary steps to report this fraudulent activity, including filing a report with the Federal Trade Commission ( FTC ) and notifying the credit reporting agencies. 

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law designed to protect consumers from abusive debt collection practices. One of the key provisions of the FDCPA is the right of consumers to request validation of a debt. This means that when a consumer disputes a debt, the debt collector is required to provide verification of the debt, typically in writing.
Product: Mortgage

XX/XX/XXXX we filed for a loss mitigation program through mortgage managements consultants. We were in a 3 month trial payment plan. We made all of those payments. In XX/XX/XXXX we had a notory come to the house and signed papers for the new payment. During this process mortgage management consultants sold our loan to carrington mortgage. We were told to not make a payment for XX/XX/XXXX. We made XX/XX/XXXX and XX/XX/XXXX payments to carrington even tho we were never sent final paperwork about our loan being sold. We were never given a new loan number from carrington. Also they were sending us mortgage statements saying that we owed them {$40000.00}. Then all of a sudden we got papers after XX/XX/XXXX saying that our home was going to auction. Then our house was sold at public auction. There was an investor who purchased it but it go into his name until XX/XX/XXXX. We are still living in the home and we shouldnt have to move. The mortgage company has had several complaints and problems filed against them. When I call our old mortgage co they said everything in our file has been completed.