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

I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Account number ending in # XXXX, Late payments, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX XXXX XXXX is in clear violation of the law, Pursuant 15USC1681 1a 2 ( a ) ( i ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiances between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED FCRA 15USC 1681a 2ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT on my CONSUMER REPORTS.
Product: Payday loan, title loan, or personal loan

I entered into a contract for a loan to have solar panels installed. Goodleap paid the installation company before substantial and/ or final completion. Now the solar installation company has filed for bankruptcy. My contract was for the installation and completion of a completed system. Goodleap refused to help during the installation process, but paid them before completion. Neither solar installation company or Goodleap fulfilled their contractual obligations, so I quit paying on my loan. To this day Goodleap demands I pay for something that is incomplete and not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that I had a credit freeze on my Experian Credit report, I attempted to call & have it lifted & was unable to speak with a Rep. The automatic service gave me an option to add a security freeze on XX/XX/19 in order to speak with a Rep. I placed it on there on this date so that I can speak with a Rep. Upon speaking with a Rep, I was informed that they had an old address from 12 yrs old listed as my address. I explained that I didnt live there & provided updated address. I was then informed that I would have to wait until I received a pin via mail in order to lift the freeze. I told them that this was unacceptable. The Rep told me I would have to mail in documents. I explained that I did not have the time to do that because I need this issue resolved ASAP!! I was then told that they would overnight the pin if I paid {$20.00}. I am not paying to have a pin mailed to me, when I already verified my identity. I want this freeze removed permanently & my correct information updated. The Reps there are very rude & unprofessional. Please help me resolve this issue ASAP!!!
Product: Credit reporting

Reviewed my credit report and their is a fraudulent and unauthorized credit inquiry listed on my Equifax credit report. The following credit inquiry is unauthorized and fraudulent : XXXX XXXX XXXX, XXXX/XXXX/2016. Furthermore, I want the following addresses removed from my credit report, I have never lived at the following addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Product: Checking or savings account

On XX/XX/30 I applied for a checking account online at Simple.com and was given the following message, " We're sorry to let you know that your Simple application was not approved. For security purposes, we can't tell you the specific reason. '' I called their customer support at XXXX to inquire, but was told again that no reason can be given. I asked about my rights to dispute incorrect information and to be provided a reason for denial per the FCRA, but was again told no information would be provided. I was unable to re-review my application for any potential mistakes and was not given any information on what potential reports were pulled in making the decision for denial. I feel that my rights per the FCRA were violated.
Product: Mortgage

Well Fargo Mortgage Company has failed to timely perform our escrow analysis for two or more years consistently thereby, causing our mortgage escrow funds to have a shortage, this year ( XX/XX/2017 ) alone, our escrow shortage amount is {$1600.00}, this escrow analysis was received on Friday, XX/XX/2017, our new increased mortgage payment is scheduled for XX/XX/2017. This incident occurred last year approximately the same time, thereby causing another escrow shortage.
Product: Debt collection

I saw XXXX XXXX XXXX information and saw they were trying to collect a debt. Requested validation. Upon insufficient validation, they forwarded my request back to Resurgent Capital Services. The letters were dated XX/XX/XXXX - these can be provided if needed via scan because the pages are numerous. The original Rsurgent letters were from XX/XX/XXXX and XX/XX/XXXX. 

They did not provide validation and are relying on another agency to do that, which I have also submitted a cimplaint about to the CFPB earlier today- the creditor name, is different on all the documents, banks are different but they are claiming they are the same. I still have not seen the original documnets from Resurgent, XXXX XXXX or LVNV on this matter. I disputed the trade line and have not been able to get it removed becasue they are saying becuase they received a statement from them, that it is validated. The ttactic is not legal given the circumstances. A statement of account provided does not validate I own a debt. They also failed to provide what I requested. 

Please let me know if you wish to see communication requests and responses.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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: Bank account or service

My complaint is against Amazon and their contract with the predatory lender, Synchrony Bank. We have an Amazon Store Card through this lender, and I will spare you all of headaches, and get to the one that broke the camel 's back : The technique of lowering and lowering the credit limit, without cause, so that there will be no cushion and, hence, it is possible for them to use their bag of dirty tricks to hit you with multiple fees that generally amount to $ XXXX {$95.00} for a {$20.00} bill. Specifics : We opened an account with a credit limit of {$1200.00}, and being big book buyers, ran it up close to maxed. They would allow us to go over a few cents, then we would be charged steep fees for " over limit, '' they would also claim that they did not receive the payment on time even when we mailed the same day it was received, and so we took care of both of these by making the payment over the phone with electronic debit long before the due date and paying the bill down to {$600.00} so that were be a cushion and they could not say this-or-that-and-so you now have to {$110.00} instead of {$20.00}. So we paid it down to {$500.00}, they simply lowered it to {$500.00}, then to {$400.00}, {$300.00}, {$200.00}. So then I attempted to purchase on Amazon for {$110.00} ; when it did not go through, we were told that are credit limit was now {$110.00}. When? As of the moment I put in an order for {$110.00}. I made another payment, of {$50.00}, so I could get that {$1.00} and put the order through ; it was again rejected and we were again charged a total of {$55.00} for " over limit '' and attempt without funds. When a bank is this dishonest, you know they are doing many other underhanded things to steal from customers. What 's more, a company as wealthy as Amazon should not be contracting with a predatory bank. I have looked elsewhere do to business, but Amazon has it locked. That is something else business should look into -- when there are no viable alternatives, one person is at the mercy of the one Corporation. 
This kind of behavior should and would be bad for business, but when there is no where else to go, they misery of the customer is of no consequence.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

I received a notifications on all of my credit reports regarding a debt collection that National Credit Systems placed in my credit reports. This is regarding a apartment complex that my daughter rented an apartment called XXXX XXXX in XXXX. I have not received any form of communications from either the apartment or the Collections Company and I want this removed from my credit report for that reason.
Product: Money transfer, virtual currency, or money service

Its my fist hand personal knowledge im XXXX XXXX  i was falsely mislead by bankers aramis on XX/XX/2023 that the check i deposit was clear all funds would be available so went home the on XXXX i went online call them to place a wire they said go a head i place the XXXX wire they block me immediatly i reduce it to XXXX they put a hold on fraud dept then they started flagging my acct for fraud every transaction i spebt hours a days verifying myself then they claim they didnt know me and block the acct told me they have to send me a letter before i could have access i was shut down again its weird im from law enforcement fraud never saw such abuse of power i was feeling discrimination as though i was a target i never violate laws codes im injured XXXX XXXX they say they can do us anyway they feel the fraud department is always in The XXXX  evey agent is rude non infornativedevisive saying we dont have to discuss issuses with your account leaving me stagnate in my buisiness moneys on hold its deceptive out source agents abusive denying me of basic questions about my personal assets i have a ministry i know the XXXX  well then i call citibank yesterday XXXX  XXXX I on o find out if a wire fir. XXXX went out i was on the phone with bank agents for hrs they say acct was restricted for questions i spoke the citi bank XXXX  outsource office fraud dept a rude angry XXXX  lady verify me she wouldnt be calm and answer a simple question she said the acct was restricted i said which one sge ignore me it was frustrating she said u dont hacmve to tell you i will call you back she hung up in my face i call back i spoke to a kind XXXX  lady agent lesly she was night and day positive answered all concern about wires but said her power was limited i still need transfer to fraud so a lady name XXXX  came on from Fraud was rude XXXX devisive cut me off saying we closed your acct we dont have to explain we will send you a letter she slammed the phone i called back for a supervisor got A XXXX  on the phone XXXX  was rude devisive slight harsh repeated quickly we closed your acct any money left we will send you a check i said when she slammed tge phone in my face every fyi sadly this month all XXXX plus citi customers has had accts closed and still 60 days has got no check i said this is abuse of power deprivation of rights civil human rights truth in lending predatory practice i look online for reviews complaint in XXXX they closed dozens of customers accts for no reason without disclosure can you guys or sec .or Federal reseve treaury fine them they just paid out XXXX XXXX mill in fines to the sec i need help rights reserved without recourse ucc1-308
Product: Mortgage

My mortgage servicer was recently changed to XXXX ( specialized loan servicing llc ) mortgage servicing. They acquired my mortgage from XXXX XXXX in XXXX. I have a conventional loan with a loan to value ratio of more than XXXX percent. This means that I do not need an escrow account at all and I signed the closing documents showing this. 

Back in XXXX of XXXX I purchased a flood insurance policy as requested by XXXX XXXX and gave them the proof of food insurance. I purchased a policy starting in XXXX and ending in XXXX. Specialized loan service was faxed a copy and verified they do have it on file. They still increased my fixed mortgage payment, ( which was XXXX XXXX & increased it to XXXX. They created a escrow account and are now charging me as if I dont have flood insurance. Ive attempted over 4 times to speak with them over the phone but they hang up on me or leave on hold for several hours. I feel this is illegal especially since I have proof of my paid off flood insurance policy and paperwork showing I would not have an escrow account when created the loan. I am requesting a full internal review of this company who seem to prey their customers. 

XXXX refuses to work with me or help me with this issue. They can not force escrow upon me for a service I already have! I already have flood insurance active since XXXX XXXX! This is before they were servicing my loan!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the late payment remarks as soon as possible!
Product: Prepaid card

I recently won an American Express gift card and was planning on using this primarily for transportation purposes on ridesharing apps such as XXXX and XXXX since I do not currently own a vehicle. However, I have tried on a few occasions to book a ride on both XXXX and XXXX, but the payment gets declined each time. The balance on my gift card is several XXXX dollars, and the rides I was trying to book were under XXXX dollars, so this is definitely NOT an issue of insufficient funds. 

American Express notes on their website that in order to avoid their gift cards getting declined, one should use them at online merchants that require the card number, expiration and security code. This statement seems highly misleading, as both the XXXX and XXXX apps require ALL of that information, which I entered correctly. And yet, the transactions still get declined each time. In my AmEx gift card transaction history the reason for declining is mentioned as " missing security code, '' however, this is incorrect because both apps do require me to enter the security code. I have attached screenshots to demonstrate this. 

Furthermore, AmEx claims on their website that their gift cards will be accepted " wherever American Express is accepted, '' which is also false or misleading since the gift card keeps getting declined at the XXXX most widely used ridesharing apps in the United States. I have also seen numerous complaints by other customers reported online when it comes to using AmEx gift cards at ridesharing apps as well as several other online merchants. It should not be this difficult or impossible to use these AmEx gift cards for popular online merchants and apps especially when all the required information ( card number, expiration, security code ) is entered correctly.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I disputed these accounts with the credit bureaus XX/XX/2020. I never received any results or anything stating that the credit bureaus have started an investigation. On XX/XX/2020 I sent another letter stating that I hadn't received a response. This has not been about 40 days since my initial dispute. The credit bureaus still havent responded and nothing has changed on my reports. To my knowledge the credit bureaus have 30 days to respond and if they don't that is automatic grounds for deletions of the accounts that were disputed. At this point the accounts should be deleted. I am considering filing a litigation because this is becoming stressful and especially since I was a victim of the Equifax data breach. Please delete these accounts immediately. 
XXXX is the only bureau that deleted the accounts and if you all get the information from the same creditors I don't see how these accounts are still reporting with XXXX  and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not honoring their duty of accurate and correct reporting on my credit report. Transunion is inaccurately reporting a late payment on my credit report for the XXXXXXXX XXXX XXXX account ending in 1917. This includes a 30 day late payment reporting on XXXXXXXX XXXX XXXXXXXXThis is not correct and should report PAID AS AGREED. According to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report doesn't contain information solely as to transactions between between the consumer and the individual making the report. A transaction constitutes these late payments resulting in Transunion completely violating my consumer rights. I did not give Transunion my expressed written consent, instruction, or permission to furnish these fraudulent late payment reports on my file which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Transunion has violated my consumer rights which are federally protected under the FCRA. This inaccurate reporting is harming me and my reputation resulting in discrimination.
Product: Debt collection

Portfolio Recovery associates and XXXX XXXX are trying to collect on a XXXX debt that is past XXXX  statue limitation. The debt collection companies have reported an incorrect balance on my credit report in the amount of {$1700.00} but the original amount of the bill was {$300.00} that went into collection in XXXX. They are illegally charging the date of first delinquency.
Product: Student loan

For the past 14 years they have known my school loans were taken from a school that was closed due to fraud. I contacted them several times to discharge my loan and they never once told me about borrowers defense. 
They have continued to charge me interest, even when my loans have not supposed to be charged interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would appreciate notification of the actions taken. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

HELLO FROM XXXX XXXX XXXX. 

A WHILE AGO THEIR WAS REFERENCE NUMBER REGARDING EQUIFAX , XXXX. THEIR A WHILE AGO WAS XXXX XXXX CREDIT CARDS IN XXXX, VA. THAT REQUESTED EQUIFAX TO BE MAILED TO THEIR OFFICE, AND YOU KINDLY HAD THAT SENT TO THE FEDERAL TRADE COMMISSION, AND THEY CLOSED XXXX ACCOUNTS DOWN. FORMER E-MAIL IS XXXXXXXXXXXX, XXXX DISTURBED THE E-MAIL, WHEN YOU GET AN OPPORTUNITY, COULD YOU PLEASE, SEND ME THE INFORMATION TO XXXXXXXXXXXX. XXXX FYI, I REQUESTED A XXXX CREDIT CARD, AND THEY CHECKED THE MAJOR EQUIFAX IN XXXX GA, AND THE CREDIT NUMBER WAS XXXX POINTS WHICH IS INCORRECT. 

XXXX XXXX! 

XXXX XXXX XXXX XXXX, SS # *********** HAVE A GREAT HOLIDAY, AND BE BLESSED