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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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: 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these 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 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  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. 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: Student loan

I submitted a payment in the amount of {$1100.00} on XX/XX/XXXX, stating it was to be applied to loan XX/XX/XXXX, with an initial balance of {$11000.00}. It was an extra payment above my monthly auto-debit. I requested it be applied only to principal. I reached out on XX/XX/XXXX because I noticed that {$5.00} had been applied to interested, and {$1100.00} applied to principal, even though I specifically stated all the payment was to go to principal. I contacted customer service, and the rep said they had to apply payments to any interest or late fees first, as that it was their policy. There was no changing that, and the only way around it was to submit additional payments on the same day as the auto-debit. I said okay and that was the end of the call. On XX/XX/XXXX, I was in the process of submitting another payment when I noticed that they payment from XX/XX/XXXX had now been applied to my other loan in the amount of {$270.00} going to principal and {$8.00} going to interest. I contacted customer service via a phone call, speaking to a rep named XXXX, and have documentation of the message I sent following the phone call. I told XXXX that the payment from XX/XX/XXXX had been misapplied, and she said it would be re-applied to the correct loan within 7-10 business days. On the 9th business day, I reached out to see if the re-application was still in the works, the rep told me it may take until after XX/XX/XXXX. On the 10th business day, the initial deadline I was given, the payment had not been fixed and I was told that the issue would be escalated, and it should be fixed by XX/XX/XXXX, given the holiday. On XX/XX/XXXX, my payment was still not fixed. I have numerous correspondence letters documented, which also track what was stated my phone calls that I 've had with different representatives. At this point, I 'm not being given a timeline for when this issue will be fixed at all. The representatives tell me they have no contact with their Financial Management Department. Also at this point, I 've attempted to refinance the loan, and due to my refinance lender 's error, {$8500.00} was sent to MyFedLoan, and MyFedLoan blanket applied the amount to both loans, even though I sent messages to MyFedLoan stating the loan XX/XX/XXXX was being refinanced. MyFedLoan will not work with me to get my XXXX issue resolved and now I have no hope that I will ever get my situation fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is charging my credit card for a service I never intended to buy or believed I purchased. I do not believe that intended to authorize such a purchase and believe that if there were such it is the result of deceptive marketing practices. I have cancelled the service, or so I believe, and have disputed the charges. There are least three charges for XXXX on XXXX, XXXX, and XX/XX/XXXX. The only reason I gave them my credit card number is because it was required to obtain my free credit report. I never intentionally authorized additional at cost services from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have suffered from having unauthorized accounts and inquiries on my credit report. I did not consent to any of the accounts being open and this is ruining my reputation with the banking system.
Product: Mortgage

Our Mortgage Company whom I have our Bank make our payments each month keeps adding on {$13.00} each month for over 3 yrs saying they have someone ride by our home to make sure our home is occupied,,,,,, ... .Now our question is if we are paying the mortgage payment each month on the 1st of each month - WHY would they have to do this? This is the craziest thing if you add that amount up for ONE year is {$150.00} that's one year this can not be legal. This {$150.00} a year should be for three years .... {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did pay for all three reporting agencies, but once I reached XXXX I dropped TransUnion and XXXX and just kept XXXX. Then XXXX of my accounts closed, and they said it was because of my XXXX XXXX. So, I opened TransUnion and XXXX up and saw that they were reporting my scores as TransUnion-622, XXXX  XXXX XXXX and XXXX. I thought that this was odd because I monitored XXXX at least XXXX times a week, and it never fell below XXXX, and at present it is XXXX. The only reason could be that TransUnion and XXXX were changing the XXXX score on their own and not reporting the actual score for XXXX. Then I called TransUnion, and they told me that they could do that and that there was nothing wrong in doing it. That meant that XXXX was not checking XXXX either when I ordered my three reports, so they are just as guilty in reporting false scores. Then, when I ask to speak to a superior, TransUnion told me that they were not going to change it. This has caused me to lose my XXXX account and my XXXX account, and has dropped my credit score and caused me to be denied for credit cards. This has really damage my credit.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issue as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Product: Debt collection

I am getting Repeated voice mail messages from Upgrade a financial services company with message stating this is XXXX calling from Upgrade etc the calls come from either XXXX or XXXX XXXX and have been every day including on Sundays and sometimes two or three in one day. I wrote the company an email message stating I was having a financial hardship and I intend to pay I just dont know when. I added that these repeated calls are very stressful and asked them to stop calling. They did seem to stop calling for a short while during the recent XXXX holiday but have started back up and this amounts in my opinion to harassment. Please find screen shots attached for proof. Please note dates.
Product: Checking or savings account

On today XX/XX/2022 I went to the PNC Bank @ XXXX XXXX XXXX XXXX Pa XXXX. To deposit funds into my Savings Account. After a brief wait I was called to the window by a XXXX female teller who was dressed in all black. And the first question she asked me was. Why didnt you use the ATM? After knowing the fact that here In XXXX theres an increase of armed robberies and senseless killings here in XXXX Pa. At various Banks including PNC ATMS. And since I happen to be an immediate family member of a Murdered Victim so its a personal and heartless offense against me as a PNC Bank Customer. And when I addressed the question to the Bank Teller on why did she ask me that question? She responded in a irresponsible and arrogant way. Now this isnt the first time when Ive been disrespected by a PNC Bank Employee because sometime ago at the local neighborhood bank @ XXXX XXXX XXXX XXXX XXXX XXXX the then XXXX Bank XXXX had asked me the same question after already knowing the high XXXX on XXXX crime wave in this community. Once again these are nothing but continued harassment and retaliation tactics
Product: Debt collection

IC systems showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe through XXXX XXXX XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on XXXX, XXXX, and XXXX : they have stated that they received the information from XXXX. I did not give XXXX, Innovis, XXXX, or XXXX permission verbally or in writing to report any information about me or collect any data on my behalf to report to third parties. XXXX XXXX, XXXX, and XXXX XXXX XXXX has violated the Privacy Act of 1972 by collecting and sharing my personal information without my consent. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent multiple letters to each bureau and XXXX via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$65000.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX : {$28000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 states a consumer reporting agency can not furnish an account with my written consent.

15 U.S.C 1681 i ( a ) ensures me that everything being reported should 100 % accurate
Product: Payday loan, title loan, personal loan, or advance loan

Towering sent me a check for {$6000.00} and if I cashed it I agree to the terms of the loan which I didnt fully understand until afterwards. Once I got behind they called and stated they were getting ready to file a lawsuit and garnish my wages. I explained I only get social security and pension. They convinced me to refinance the loan to prevent the lawsuit. This was at two different locations, I still make payments but late. They continue to come to my house requesting payments. I am ill and waiting on my Disability to get approved.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; EXPERENCES are any payments. Whether good or bad, late or on time.
Product: Debt collection

We opened a short term credit account after our home received water damage. The loan was paid through XXXX, but the bank kept it open running up a {$2400.00} bill of interest. Then sent it to a collector after discussing the problem with the collector, it was determined we owed nothing and the problem was closed. 18 months XXXX submitted the same bill to another Collector to again try to collect the money again.
Product: Student loan

I called ( who I thought was my loan servicer ) Great Lakes. After spending extensive time on the phone and after providing them with my social security number they asked me for a payment of {$600.00}. I knew something was off, so I made an excuse to get off the phone. I called the REAL Great Lakes and spoke with someone who explained that I was a victim of spam/potential identity theft. I followed their recommendations to keep my loan information safe, but am concerned this spammer will try to use my social security number for malicious intent.
Product: Credit reporting or other personal consumer reports

First, the debt ( CapitalOne Credit card ) was written off and they still report that I owe them. Which I know is illegal since they wrote the debt off. Secondly, they did not provide me with a copy of the XXXX for my taxes. 

and third ... my account limit is $ XXXX ... why do i owe them over $ XXXX? They never reported to me, why my account suddenly had a huge increase. I have disputed this event, but all the creditor said was the debt was accurate. No explanation as to why.
Product: Money transfer, virtual currency, or money service

My friend sent me {$400.00} over Square Cash on XX/XX/XXXX. Square Cash has a feature where it immediately sends the money to the debit card on file. I had a XXXX XXXX debit card associated with my Square Cash account. I had closed my XXXX XXXX  bank account the same day. 
The funds never arrived in the XXXX XXXX account. I opened a CFPB complaint, as well as a dispute with XXXX XXXX, and they got back to me stating that there was a credit and debit for that amount on the same day, as a result of which no funds actually arrived in my bank account ( letter attached ). 
I followed up multiple times with Square Cash and they said that the payment processor confirmed that the funds went through and were never debited ( screenshot attached ). 

So, I'm in a situation where the sending party ( Square Cash ) is saying that the funds were successfully sent, but the receiving party ( XXXX XXXX ) said that they never received the funds. 

I had opened a previous CFPB complaint to this effect with Square Cash as well as XXXX XXXX. XXXX XXXX   promptly responded but I have yet to hear from Square Cash ( it's been over 60 days ) Square Cash 's payment processor owes me the {$390.00} ( which was the net amount that was to be received ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 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 or 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 ) ( XXXX ) 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

Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  - {$490.00} XXXX XXXX XXXX {$540.00}
Product: Mortgage

( Irregularities in order to Foreclose our Mortgage & Evict- Real Estate used as Colleteral ) On XX/XX/XXXX received " Letter of Default, Notice of Opportunity to Cure Default, And Notice of Intent to Foreclose '' in this Order. We were delinquent XX/XX/XXXX & XX/XX/XXXX payments. On XX/XX/XXXX we received letter from XXXX, XXXX XXXX XXXX, XXXX. attorney XXXX XXXX XXXX " Notice of Acceleration And Notice of Foreclosure Sale '' in this Order. According to Attorney XXXX XXXX Mortgage stated to them they already sent us A " Notice of Default and Right to Cure Default and Intent to accelerate dated XX/XX/XXXX which this statement is Not True to Facts! We have Not once received a " Notice to Accelerate '' from 21st Mortgage Corporation on XX/XX/XXXX nor a Notice in year XXXX or XXXX. On XX/XX/XXXX, 21st Mortgage mailed a " Reinstatement amount due '' for {$4000.00} due by XX/XX/XXXX. If paid AFTER XX/XX/XXXX a {$20.00} late fee would be charged. Also on XX/XX/XXXX i had already sent 21st Mortgage Corporation {$1800.00} which this amount was received and applied to my account. 21st Mortgage deceived us by accepting monies after they had already sent " Notice of Acceleration and Notice of Foreclosure Sale on XX/XX/XXXX. I, XXXX XXXX took the Reinstatement received on or about XX/XX/XXXX as 21st Mortgage giving us opportunity to " Reinstate Mortgage '' which by law must give us the Right to do so lawfully.. Instead 21st Mortgage gave us the date XX/XX/XXXX to pay Reinstatement of Mortgage which we did. At the Same Time 21st Mortgage went forward with " Foreclosing my Mortgage and Sold my property which was used as a lien. 21st purchased my real estate ( XXXX ) themselves to secure remaining balance on loan. This is unfair and business not conducted in " Good Faith ''. Trickery was used to make us think they abandon/cancelled Acceleration of Loan & Foreclosure Sale allowing Reinstatement. XXXX XXXX whom was handling our business records as 21st Mortgage Legal representative intentionally mishandled and deceived us. We had right to Reinstatement paid Reinstatement monies of {$5800.00} to Stop Foreclosure. Now we're fighting " Eviction '' because 21 st Mortgage denied/refused Reinstatement and documents filed contained Irregularities '' to obtain my property. Your assistance requested in this matter. Documents ( evidence ) is in the process of being submitted to back this complaint filed. Thanks XXXX and XXXX XXXX. This ordeal has added more stress on us this far!!
Product: Payday loan, title loan, or personal loan

Needed extensive plumbing repair. ( XXXX, MN ) XXXX XXXX XXXX encouraged us to apply in our home while he was there ( some repairs were already done ) ... and said we were approved. We were to activate loan online. Were not able to ... and advised to call Green Sky ( the loan company ). I have been calling all week, put on hold, transferred, to no avail, being told " a case was opened '' " it is in investigations '' XXXX, from Green Sky is supposed to call, has not yet. I have left several messages. His number is : XXXX, ext. XXXX. XXXX XXXX XXXX is angry that we have not " activated '' loan yet and advised me rudely to get it activated now or we don't get paid! We have 3 incomes in this house. My mom is the primary on the loan ( loan app XXXX XXXX..name XXXX XXXX ) She is XXXX she does not hear well o n the phone. They have not returned calls or taken me seriously at all. I do not know what the problem is. The work was to be in the XXXX XXXX range. We will have to cancel the rest of the work and pr0bably be charged more because it was a " bundle package. '' We can pay some on a credit card but would need a loan to complete the big job which is a necessary job.. I am stuck here waiting for a call that does not come with XXXX XXXX breathing down my neck AS IF IT IS MY FAULT!!!! Please help... .my phone number is XXXX. XXXX XXXX is my mother and she and I are living in the same home, as is my partner. The loan is in her name. I can not move forward or backward waiting for Green Sky to contact me and I have tried all week!!
Product: Mortgage

I financed my home purchase with Quicken Loans and had my house payment jump XXXX XXXX dollars a month after first year due to 'unforeseen ' increases in their property taxes. The taxes doubled, this was a gross underestimate of taxes by Quicken and title company, I assume to make loan payments seem smaller when I purchased. Be aware or these so called experts who claim to be XXXX XXXX high rated lender, they don't care about you and they XXXX. Don't trust Quicken Loans/Rocket Mortgage to be in your best interest!!