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

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

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 XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Credit card or prepaid card

I've open a Chase Southwest Airlines Card in XX/XX/2020. I've been using the card with zero issues and have paid on the card monthly in multiple payments over my minnuim payment each and every month. On Friday XX/XX/XXXX I attpempted to add my card to XXXX XXXX to make purchase at XXXX XXXX for my daughters graduation gift in the amount of {$1500.00} and the charge was declined and all these fraud hold have been placed on my account. 

I called Chase and was given the run around and was told I had to call on Monday XX/XX/2020 to resolve a fraud hold. I attempted to call and was given the true run around and talked to very rudely by chase representatives. This is insane that a person can be treated so horribly and talked to rudely given I'm a customer with my credit card account in great standing. 

I'm livid that as a result Chase put my card under a 10 day fraud review which is totally unwarranted and huge inconvenience for me and my family. We had to go the entire Holiday weekend without access to my card which was big inconvenience. Chase has discriminated me and my family for making a legitimate purchase.
Product: Mortgage

Caliber Home Loans is refusing to provide me with an actual accounting of my impound account. The loan they were servicing was paid off when I sold the home. Escrow closed on XXXX XXXX, 2016. They sent a check dated XXXX XXXX, 2016 to me indicating it was an " escrow release - paid in full ''. On XXXX XXXX, 2016 I spoke to XXXX at Caliber Customer Service asking for an accounting of the impound account with actual numbers - not estimates and projection. She said it would be sent. Instead I have received a letter stating that my request for " mortgage release documents '' had been sent to the Servicing Department and I may or may not be the one who will receive the document. The impound account contained my money. I think I should be able to get an accounting of what Caliber Home Loans did with the money.
Product: Debt collection

Collection debt on my credit reports from MRS Associates on behalf of XXXX XXXX for {$730.00} as of XX/XX/22 ( date opened XX/XX/22 ). I have never had account ( s ) with XXXX XXXX or XXXX. I filed dispute with XXXX and XXXX as well as contacting XXXX XXXX XXXX on XX/XX/22 and filed fraud complaint/report they say the will look into ( I have not heard back as of yet ). I wanted to file this with CFPB to cover all of my basis everywhere I can as this debt is NOT mine. I have tried so hard to clear up my credit report and this is very concerning to me of this fraud incorrect report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> at XXXX XXXX, approximately {$300.00} was debited from an unauthorized account for installment payments by ZIP. This account that was debited was not apart of the installment plan agreement which caused my rent payment check to bounce and greatly jeopardize my family and I 's housing needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account 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 listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

The following items I am disputing are the following : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XX/XX/XXXX As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide verification of account, validation of debt and the procedure used to Validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting convergent account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A sates 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, Experian and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Debt collection

This case filed Satisfaction of Judgment on XXXX/XXXX/XXXX per XXXX XXXX XXXX XXXX On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a Wage Garnishment for the same account knowing that the amount was paid in full. Attempts to contact them have resulted in a road block. The amount paid was XXXX in XXXX. We have also contacted XXXX XXXX XXXX ( formally XXXX XXXX ) and they are also confused as to why this account is still active. They also only issued a Satisfaction of Judgment for the person whom paid the account in full instead of issuing it to both parties since they were on the same account.
Product: Credit reporting or other personal consumer reports

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins.
Product: Debt collection

This is in regard to World Finance Corp account # XXXX which I have disputed previously asking for validation of debt. Not verify but validate. Under the FCRA I have the right to ask for validation which they have not provided. That is a clear violation. Also they are being reported to all 3 credit agencies XXXX, XXXX and XXXX. and the information is not matching as it should under the FCRA. They must report accurate information. 15 U.S. Code 1681s2 ( A ) Reporting information with actual knowledge of errors. 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 it shows payment status as Charge off. The legal definition of charge off is, the writing off of a debt and termination of collection activity without release of personal liability. If this is true then it would not show up on my credit report with a balance. Another clear violation. I also have proof attached with different account types, and date last active. I also have the right to privacy.The Fair Credit Reporting Act ( FCRA ) is a federal law that was enacted to promote the accuracy, fairness and privacy of information in credit reporting agency files. Proof attached of the inaccuracy and fairness and how they have violated my right to privacy. If this account is charged off, it should not be on my credit report with a balance at all. Also There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Also 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Product: Bank account or service

In XXXX of XXXX, there was a Bank of America sign up bonus for a business bank account. It included {$500.00} for signing up for the business checking account, {$500.00} for signing for for an associated business credit card within 60 days, and {$500.00} for signing up for merchant services within 60 days. For the merchant services account, I was told I would be contacted to set it up. After waiting for a month, I contacted ( via phone, email, and in-branch ) Bank of America and was told that I would be contacted shortly. After waiting another several weeks, I contacted Bank of America again, and was again told to wait. I was finally contacted by a Bank of America Merchant Services representative who told me the no-monthly fee Merchant services account that had been advertised was no longer available. I asked to speak to a different representative. I ended up calling XXXX on my own, and did end up setting up the XXXX XXXX account. 

Over the ensuing 6 months, I was charged monthly fees ( that should have been waived due to having a XXXX accounts ) and did not receive any sign up bonus. I had called, emailed, and online chatted with Bank of America many times ( more than XXXX ), and by the start of XXXX of XXXX, I still had not received any bonus. I was finally awarded {$1000.00} of the {$1500.00} total XXXX/XXXX/XXXX. 3 more calls ( each of over 45 minutes waiting on hold for various representatives ), did not result in the other {$500.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have provided the bureaus with documentation, and police report and nothing changed before so I am now taking the step to report for these fraudulent accounts to be blocked or removed from my credit report. As per the guidelines delineated in the Fair Credit Reporting Act ( FCRA ), I retain the right to contest any inaccurate or fraudulent information reflected on my credit report. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of identity theft and would like all listed accounts to be blocked and deleted. 

XXXX these are the accounts that are fraudulent. XXXX  XXXX XXXX line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX XXXX  XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXXXXXX XXXX XXXX  XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}. XXXX XXXX XXXX  XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX Credit Card with account # XXXX  opened on XX/XX/XXXX and a balance of {$2100.00}. 

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Neglect Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability fro willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

I charged {$540.00} for a Delta Membership that is covered under the annual airline fee credit on XX/XX/XXXX. The receipt from Delta XXXX states XX/XX/XXXX as the transaction date. The charge posted on XX/XX/XXXX by American Express and triggered the airline fee credit on XX/XX/XXXX for calendar year XXXX. About two weeks later I contacted American Express to get a resolution. I was told by a manager that they could retroactive the credit as they reviewed my account and verified that the XXXX credit had not been used. I was supposed to receive an email. As of XX/XX/XXXX, no email arrived and therefore I contacted American Express to follow up. I was told that the case was closed though I had not been notified. American Express refused to assist, even though a supervisor said they would. American Express is aware that this complaint is being filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & TRANSUNION Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

As a consumer, I am demanding a deletion of the following account as you do not have my consent to furnish anything on my consumer report, The following 4 transactions are also against my individual right to privacy : XXXX XXXX -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Mortgage

My mortgage went in to foreclosure. My wife passed away and she was handling the mortgage, I thought it was on auto-pay. Immediately on finding that it was in foreclosure, I called Wells and they gave me the total amount due to be current. They said that there was a {$200.00} additional fee that would be assessed but that " may '' be waived given my circumstances. I paid right around {$10000.00} to come current and expected to deal with them on the additional {$200.00}. I got a call today saying that I now owed over {$3000.00} for a payment {$1500.00} for the payment, the {$200.00} late fee and an additional {$1300.00} which no one was able to explain. This is the first I heard of this {$1300.00} and asked for an explanation. I spoke with three different people and still, no one knew. They each took my email address as they were sending notifications to my deceased spouse. I had previously changed the email address but they continued to send it to her account, which I do not have access to. 

They said that they would mail me a letter and I asked for it to be emailed, apparently this isn't something they do as they were reluctant to do so and said that they would put in a request. 

I need the information emailed as I am not home enough to check the mail and want to get the issue resolved. 

I am very concerned about this additional {$1300.00} that wasn't discussed before and am even more concerned that no one was able to tell me what this was for. 

With their vague information about what the {$1300.00} is for and their inability to provide clarification, although they wanted me to pay it, I feel they are trying to take advantage of my situation and are being predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked for XXXX and XXXX in the past years and have passed background as I have no criminal record whatsoever nor have, I had a moving violation in roughly 15 years so there hasn't been a problem. A year ago, Checkr flagged me as ineligible to work and provided this information to XXXX and XXXX. I requested a copy of this report roughly 10 times and gave up. I'm now trying to work for these companies again and have not been able to due to the background report provided by Checkr. I have again requested a copy of this report multiple times in the past couple weeks only to be ignored.
Product: Debt collection

This agency has been harassing to pay a debt that has already been paid. The debt was paid in XX/XX/XXXX. They are still harassing me. I had to block their number and I am still getting letters. I told a man in XXXX, I would take care of it. I did not even remember the debt and I took care of it like I said I would. I found out today XX/XX/XXXX that they added the debt to my credit report, falsely. They are not managing their accounts correctly or trying to make me pay the debt twice so that they can make money off of me. I am literally in the process of looking for a home and they are messing with my credit score and ability for my family to buy a home.
Product: Credit reporting or other personal consumer reports

i recently viewed my credit report and noticed an account that was not reporting accurately.i have one late payment on account that i indeed did pay on time.the consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XXXX XXXX ) i'm now requesting you to investigate this account an update these payments to paid on-time immediately.Thank you for understanding and prompt action.
Product: Student loan

On XX/XX/year> I received a letter from Mohela informing me that interest will continue to accrue on my loans, which are in administrative forbearance due to the SAVE Plan. However, my interest rate is 0 % and due to my income, I owed $ XXXX. There is no reason I should be accruing interest, even if they decide to temporarily use processing forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are reporting fraudulently opened accounts under my name and are tarnishing my credit report. The first account is XXXX XXXX XXXX which was opened fraudulently on XX/XX/XXXX. The Second fraudulently opened account is XXXX XXXX opened on XX/XX/XXXX and the third fraudulent account opened without my consent or permission is XXXX XXXX XXXX opened on XX/XX/XXXX.
Product: Debt collection

I went to school with XXXX and I leave they say I owe them XXXX I agree to pay then they send me to debt collector lockhart morris and Montgomery now they saying I owe XXXX I paid them XXXX at once and now I owe them XXXX cause I told them am only paying them XXXX now they arrasting me saying they gona sue me and so forth and calling me all z time just for XXXX say they do n't want no payment plans they want the money one time or else I have to pay and extra XXXX what should I do. My email XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting on a debt that is not mine and I do not owe. I have never opened this account. It is not mine, and I have never had any accounts with them. Not only is this debt a fraud account, it is also past the statute of limitation and needs to be removed off of my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear SYNCB/Amazon , I am writing to address a concerning matter regarding an inquiry reported by SYNCB/Amazon, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for SYNCB/Amazon to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying SYNCB/Amazon to remove this inquiry from my file within four business days. 

Furthermore, it has come to my attention that SYNCB/Amazon neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the XXXX  number associated with the security interest provided to SYNCB/Amazon . Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Debt collection

The case against me was discharged by a judge. I was instructed to have my Credit Report updated with the new information and the debt collecting company continues to dispute a court ordered dismissal.