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

After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 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 Department of Education 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 an account without my written instructions. 

15 U.S.C 1681 ( 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 on 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 accurate. 
These inaccuracies are stopping me from obtaining credit for my family.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To whom it may concern, I am writing to formally lodge a complaint regarding fraudulent reporting on my credit profile by TransUnion. My ex-wife has unlawfully obtained services from XXXX in my name, and despite my numerous efforts, this fraudulent account has not been removed from my credit report by Trans Union. The incorrect information has already been removed from XXXX because they agreed it was unverifiable. But Trans Union continues to illegally report the issue on MY credit report. 

For over a year, I have diligently attempted to dispute this fraudulent XXXX account with TransUnion. Despite my efforts, TransUnion refuses and has failed to properly investigate and validate this debt, continuing to report it on my credit profile. This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information can be reported on my credit profile. 

TransUnion 's refusal to validate this debt or remove the inaccurate information is not only unjust but also illegal. As the account does not belong to me, it can not be legally verified. I request that the Consumer Financial Protection Bureau intervene in this matter. This unresolved issue has negatively impacted my credit score and is preventing me from obtaining necessary financing. 

I ask for your assistance in addressing this issue with XXXX to ensure that my credit report is accurate and that this fraudulent account is removed immediately. Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX showing a balance of {$730.00}. I sent over dispute letters to the credit agencies who then sent it to XXXX XXXX. I disputed that this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XX/XX/2018 I purchased a ring for {$1300.00} for my wife from XXXX XXXX. I paid an extra XXXX dollars on insurance for the ring. I wanted to pay for it in cash but they insisted on checking if I qualify for finance. A year from now I didnt know anything about credit but now Ive become so much more knowledgeable. Anyways, I said yes and then the lady at XXXX told me that I can get the ring today and not have to pay anything until XX/XX/XXXX. So I got the ring on credit and they ended up giving me a credit card. I didnt realize I just applied for a credit card. Anyways a month goes by and its XX/XX/XXXX, I get a call early in the morning not realizing who it is and it was XXXX customer service telling me that I owe a payment already. I thought I didnt have to pay anything until XX/XX/XXXX. So the person tells me I have to pay a minimum of {$140.00}. So I gave my debit card details and everything so they can have my card on file already and just take the money out from my card. So this same month later, my wife looses the ring and it was just terrible. I still owe XXXX more than 1,000 dollars and so i tried to go to XXXX  and ask if i could get it replace or if they can offer me anything. A deal or anything and they said that their insurance doesn't cover theft or lost. So I became upset about this. I was making much money then and I couldnt afford to get my wife another ring. So I tried to just forget about the incident. Months went by and in the back of my head I always thought that XXXX  had my debit card on file and then I realize that they did not. It was XX/XX/2018 when I realize that XXXX has been charging me a whole lot interest that i wasnt aware because i thought i didn't have interest for the first year and they were also charging me late fees. I became so upset when I found this out. They never were able to help me get my login information or how to check my statements. So I went and pay XXXX  dollars on XX/XX/XXXX. From then on I started paying every single month. Making payments of more than 100 and my last payment was of almost 400 dollars. I kept getting interest add on every month. This is when I realize that my credit has probably been affected. I went online to check on XXXX XXXX and my score went down about 85 points. And it was the worse feeling. After that I started to try to build up my credit. And i started to do my research about credit repair and such. I now have about 7 credit cards and I pay them off every month and never carry balances. I am young father and husband and soon I want to buy a house and I need a good credit score. Ive never missed a payment from any other place except XXXX. And if was a simple mistake. Its not like I didnt have the money. I know the miss payment can stay on my credit report for almost 7 years and I dont ever think I can get my credit score higher than in the low 700s. Im trying to get the best credit I can in order to provide my wife and son a good home not be over paying in interest.
Product: Mortgage

On XX/XX/XXXX sent a letter to BSI Financial to remove my escrow and refund my money. They denied this and said my loan had not seasoned for 24 months. Therefore, I requested they just do my escrow analysis now because my insurance in XXXX was {$2200.00} less than last year. Leaving an overage in my escrow account for the insurance also I am paying {$200.00} a month too much now. I called them on XXXX and spoke to XXXX and he said it would be done the end of the month. Then I called XXXX and spoke with XXXX she said it was not done and she could request it. I then spoke to the manager XXXX, he declined to do it at all said I have to wait unit XX/XX/XXXX. This is a crime to keep my money which is an overpayment. I am hoping you can help in this matter.
Product: Credit card or prepaid card

I went TD Banks XXXX XXXX XXXX, XXXX XXXX approximately XX/XX/2021 XXXX. The teller denied me services after I produced my State ID and my prepaid card. The teller informed that my name was on the card and she refused to allowed to obtain the funds off my prepaid card.I received service on this card from another TD Bank XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/2021. I was forced to travel 3 to 4 miles and received services from another TD Bank. I believe the teller discriminated against me because I was a person of color. The other tellers that assist me were person of color and had no issues removing the funds of my prepaid card. 
I reached out to customer service so I could retrieve the teller name form the bank manager XXXX XXXX. He has not responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached XXXX XXXX XXXX-XXXX-XXXX ( landlord who claimed a failure to pay the XXXX, and you can see the amount going into his bank account and out of mine on the attached. I test XXXX this situation and got no response. 

XXXX XXXX XXXX-XXXX x XXXX I believe they ran my credit again 2-3 months ago without consent and then decided to ask me to leave in 60 days The equity group - denied me a rental and didn't allow me the time to dispute the item and will not return my emails requesting the opportunity to do so. I am sending her the same stuff as attached as well as XXXX XXXX. 
XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 4 days ago ) to me XXXX, I have attached a copy of your credit report. We use Experian. I m sorry your application has been denied due to that eviction on your report. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P. ( XXXX ) XXXX-XXXX x XXXX XXXX
Product: Bank account or service

I am unable to access any of my bank accounts or money for the past XXXX hours at Ally bank due to them taking their systems down for unscheduled extended maintenance. The bank does not have an estimated time for their systems to be fixed and can not make my money available for withdrawal via an ATM, leaving me without access to any of my money.
Product: Credit card or prepaid card

My name is XXXX XXXX and Wells Fargo is showing a charged off account on my credit file. I have never had a Wells Fargo account that went into charge off. I was only an authorized user and at no time was I responsible for this thing. It is showing on my report as that I am a cosigner and I AM NOT a cosigner.
Product: Mortgage

This is the XXXX year in a row that Freedom Mortgage has completed my escrow payments with 3 months of missing payments that I have actually made. By not including 3 months of escrow payment in their analysis, they force me to pay large shortage amounts to keep my monthly payments low. Then, they keep the escrow money for a year. Last year, I made countless phone calls and written requests for them to correct their error. They only refunded some past-due fees ( to compensate for their error ) but they never corrected the issue. I got the same errors this year. It is my belief that they are fraudulently altering my monthly payment to inflate the amount of late payment fees they can charge. Those fees are falsely inflated on inaccurate information. That means that their customers are overcharged on all late payments for the year. This appears to be a fraudulent loophole that forces us to all actually pay higher late payment fees than what is legally allowed. 

Additionally, they are increasing my expected tax payment for next year without any new information that my payments will increase. In truth, my tax obligation will decrease due to a veteran 's exemption that we received starting XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I called the hospital on XX/XX/2022. I was informed of collections when I called the hospital to make IN FULL payment for an account. I was unaware of this account ever going to collections. No letter was received or phone call ever made by the hospital or the collection agency. The hospital refused to take IN FULL payment and remove from collection agency and refused to let me speak with a supervisor because it was not the hospitals " protocol ''. Rep was not rude just refused to do what I had asked. I then called the collection agency to inform I am disputing this via email with the hospital and would keep them informed. I confirmed when this was sent to them and that I was unaware of this. The rep I spoke to kept cutting me off and not letting me speak and was rude overall. He informed me that this is reporting on my credit report ( which they can not do legally without notifying and giving a time frame to pay before being reported ). He went ahead and " put a delete code '' to remove from my credit report because they did in fact receive mail back stating I did not live at the address they had on file. This should have NEVER been reported because they did not follow protocol of when and how to contact someone before reporting. The rep then stated I have 180 days but then also stated I have until XXXX to pay. I once again explained that I have no issues paying in full after my dispute with the hospital for not allowing me to pay IN FULL and have this removed from collections. I will keep them updated. He then went ahead and stated they will tell you to contact us and at the end of the day regardless you owe a balance you refused to pay in the first place. Goodbye. VERY VERY unprofessional and rude. 
Once again I was unaware of this bill due to moving and mail getting mixed in. 
The hospital and collection agency did not satisfy the issue at had. Collection agency rep was unprofessional and rude.
Product: Mortgage

I applied for a mortage, filled out the forms, uploaded documents, etc and now they have all my information but have not responded nor answered any of my calls.
Product: Debt collection

I contacted PLAZA SERVICES on XXXX/XXXX/XXXX and spoke with a manager. I stated to her that I received a response from the company stating that the account was recalled from collections. With that being said the account is still reporting on my credit report and when I asked her why she informed me that they still have the authority to report the debt even though it was recalled from collections which I know is ILLEGAL on all aspects. She was very rude and that 's not good business practices especially when you are trying to collect a debt that has been bought for pennies on the dollar which still has not been proven to be mine. Not to mention she did n't even state that that was a debt collection agency and that was an attempt to collect a debt. I will not hesitate to take legal action because I have been compliant on my part. I have already started the proceedings and if the company does not comply with the FCRA from this point on I will not hesitate to proceed with my lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Citi Bank deactivated my Citi XXXX XXXX account so I do not have access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX  XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my credit reports. I started disputing the late payments in XX/XX/XXXX. I never received statements from the creditor, so I requested proof that the statements were delivered by providing tracking numbers. If such proof couldn't be provided, I requested the credit bureaus/creditor delete the late payments. As of today, both the credit bureaus and creditor have ignored my request. The 5 erroneous late payments are damaging my credit and my ability to be approved for new financing opportunities.
Product: Mortgage

Getting changed $ XXXX insurance every month and wont accept insurance I purchased for {$97.00} a month, they paid the I shopped around the {$97.00} a month and I am being charged more than $ XXXXmonth And when I asked to pay it off the mortgage it became almost {$10000.00} more ( XXXX deferral,XXXX+interest and $ XXXX+ escrow Mortgage company name is SHELLPOINT Phone number is XXXX I am not sure if this is right, can you please help, thank you
Product: Debt collection

On  XXXX   XXXX ,  XXXX , I received a n otification in the mail from Midland Credit Management , In  c, Asset Acceptance, LLC statin g that there was a Civil Procedure and Final Judgement against me from  XXXX  of  XXXX . I was asked to complete  a Fact Information Sheet and r eturn to sender within 30 days. The date of the letter is  XXXX   XXXX ,  XXXX . I have no knowledge of this situation. There is a  XXXX   XXXX  case number attached, when I looked up the case number it was filed in  XXXX  of  XXXX . Again I had no knowledge of this.
Product: Debt collection

I was contacted by a XXXX XXXX from an unknown number, informing me that my case had escalated. And that if she was not able to contact my number, she would then contact my employers. Also stating their is an order for my location. And I will be located. This call was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 an account without my written instructions.
Product: Credit card

My card was blocked my Discover in the beginning of XXXX, I received a Document-sign to my email and also my transactions were declined. I called to find out what was happening ( again first or second week of XXXX ) and they explained they needed information and the XXXX was legitimate. I filled it out and completed it, they sent a letter stating it was completed and all set. I called back a day or two after completing to confirm I was all set and they unblocked my card. They said it was a normal update of information. At the end of XXXX they doubled my limit since I have done so well with on time payments and had my card for years, used this card to build my credit. All of the sudden, XXXX weeks after doubling my limit, my card is declined again. I try again, decline. I call to find out my card has been CLOSED due to lack of information. I am lost, how? I completed everything. The rep said is your current address the same as 2022? I said no, I have updated my address with you. She explains something was missing on the document and they sent an email in XXXX, I checked every fold and everything under discover for that month and found NOTHING and explained that. She said well we sent an email. I explained they sent a LETTER explaining I was all set and never received such email. I got no notice and this has damaged my credit that I have worked hard successfully on. This is wrong. I am a single mother and can use any help I can get and have never been late and always paid. I cant see this being legal. All they said was they sent it, I explained I NEVER saw or received anything and they should have sent a letter saying something was wrong if I got a letter saying it was all set. I want/wish this was reinstated, though now I would not trust my financial needs with this company since who knows what they will do WITH NO WARNING!
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX {$770.00} XXXX XXXX {$0.00} Charge Off : XXXX XXXX XXXX  XXXX {$4400.00} Late Open : XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for Permanent Deletion of Disputed Accounts Under the FCRA To Whom It May Concern, I am writing to follow up on a dispute I initially filed on XX/XX/year>, regarding the following accounts on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days of receiving a dispute. As outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is obligated to complete its reinvestigation and provide the results within this timeframe unless an extension is warranted due to additional information from the consumer. I have not been notified of such an extension, nor have I received a resolution to my dispute within the mandated period.

Because the 30-day period has elapsed, I am requesting the immediate and permanent deletion of the accounts listed above from my credit report. Failing to resolve the dispute within the statutory timeline constitutes a violation of the FCRA and undermines the accuracy and fairness of credit reporting practices.

Additionally, as a consumer, I am protected under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain accurate and complete credit files. The continued reporting of these accounts without proper verification undermines this obligation. Please also note that, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, I am entitled to a transparent and fair process for addressing inaccuracies on my credit report.

I request written confirmation that the aforementioned accounts have been permanently deleted from my credit report. Please mail this confirmation to the address listed above.

Failure to comply with this request will leave me no choice but to escalate this matter further, including filing a complaint with the CFPB or seeking legal remedies for FCRA violations. 

Thank you for your prompt attention to this matter. I look forward to your response within the next 15 days. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was supposed to receive a lower payment and see they continue to make my payments at {$670.00}
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 XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 reporting, credit repair services, or other personal consumer reports

this is my 3rd letter to the CRA 'S ( TRANSUNION, XXXX, AND XXXX  ) about inaccurate and incomplete accounts they are reporting on my credit report that is old or unverified. I submitted the letters on the XX/XX/2020 and has not gotten any response in this matter.this is stressful to the max by not being able to get any help in this matter.i have copies of my complaints below.