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

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.
Product: Checking or savings account

Charged me overdraft fees when my online banking app says funds were there at the time
Product: Mortgage

I was denied a Home Equity Line Of Credit under false reasons. When I asked to speak with someone for clarification, I was told that there was no one that would speak to a consumer directly. I am being told that my HOA is no in compliance with our XXXXXXXX XXXX XXXX. I sent a copy of the XXXXXXXX XXXX XXXXXXXX and the applicable amendment which clearly showed that the HOA was in compliance. Then I was told it is because the Home is not insured. I then sent a copy of the insurance showing that the whole structure is insurance as required by the XXXX XXXX XXXX. Then the processor, XXXX XXXX, and I kept going in circles where he woild give the same reasons over and over again and I would have him read the same language that showed the decision is incorrect. He explained that there is a special committee within US Bank that arbitrarily makes decisions on lending to homes in certain HOAs. I asked to speak with someone, but he said only he can speak to an underwriter and that the underwriter is not a part of that special committee. However, the underwriter wasn't passing the information to that committee. I have been wrongfully denied credit when I qualify by all their guidelines. This all seemed to happen after I was asking for clarification about the accuracy of their `` drive by '' appraisal. Prior to that, I was sent a letter offering the credit which is now being pulled and my application is denied.
Product: Checking or savings account

I filed a dispute with wells fargo because there was fraud charges from my account going to XXXX and 20 minutes after i submitted this claim to Wells Fargo, My online banking was shutdown and i can not access my online banking because i filed a fraud charge dispute.
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit and noticed there was fraudulent activity on my report. Please remove all fraudulent information as it is hurting my ability to obtain credit. Thank you
Product: Money transfer, virtual currency, or money service

Trading was disabled on my Binance.US account in XX/XX/2021 due to a {$200.00} chargeback, which has since been successfully reprocessed. 

I have submitted multiple tickets to Binance.US Support but all the tickets were auto-closed without any comment or resolution. I have tens of thousands of dollars - USD - in my Binance account that I have been unable to withdraw or use to trade for the past 60+ days.

I need help to retrieve MY money. I have an open ticket # XXXX for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage is refusing to update my information with the all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). I have reached out to Freedom Mortgage in multiple occasions and requested that they resend the accurate status of my paid off mortgage account # XXXX and they are refusing to do so. 

I opened a dispute on XX/XX/2019 with XXXX whom requested an update from Freedom Mortgage but Freedom replied back with the balance of my mortgage going from {$230000.00} to {$230000.00} which is incorrect. This account has been paid off and the house has been sold on XX/XX/2019. 

I have opened another dispute with XXXX on XX/XX/2019.
Product: Mortgage

Southeast Mortgage, XXXX, GA was the lender on the purchase of our home in XXXX Ga. On XXXX XXXX, XXXX. The process for the FHA streamline loan took 71 days from initiation - excessive and unacceptable. The XXXX Lead Representative assigned appeared to lack the knowledge of the FHA requirements and process. For example, we were not provided information on our responsibilities to get the contractors, forms which contained the FHA requirements were not provided. Questions on our part to wade through this process were almost always answered with 'the requirements for the FHA streamline process changed in XXXX '. The lender should be educated in these changes and pass on information which helps the consumer to get through this process. I did my own research, my son created his own contractor form based on the information received by the lender. When submitting, the rules changed several times. First, the bid information had to be received from XXXX contractors, listing the cost and labor for the proposed renovations. Each time we submitted what the lender required we were told 'just XXXX more document and we 'll be good '. Delays due to this, lack of response to emails and phone calls added to the frustration. When we were told the appraisal could now be ordered, it was n't because the underwriting process was slow and when issues were discovered our application went to the bottom of the pile. After many complaints to the lender, we would get some movement, but again were told it was due to FHA requirements. Once the appraisal was finally ordered, and completed, we were told a new form had to be completed by the contractors which was our responsibility to get completed, signed and returned. We travelled over an hour to meet with the contractor to get this done same day and returned to the lender. Once received by the lender, we were told it had to go through underwriting again, which took several days. We are now at 45 plus days in process. When told the new form required a contractor resume, the contractor failed to provide since his references and all contracting information had already been provided. We had to resubmit all our information for a regular FHA loan. Again the forms had to go through underwriting, another appraisal had to be ordered. XXXX extensions had to be filed with the owner to keep the home in process. Finally, we signed on XXXX XXXX, XXXX. Three months we had to stay in hotels and with relatives and pay for the storage of our belongings because we moved from Arizona to Georgia. The cost to us waiting on this process was more than a month longer than we expected. Tensions and frustrations are beyond explanation. Southeast Mortgage motto is to make the experience Awesome and not average. It was AWFUL not Awesome.
Product: Credit card

The Contract related to this account needs to be thoroughly reinvestigated due to inaccurate and unfair deceptive card practices.
Product: Credit card or prepaid card

I have used XXXX XXXX app to check my credit report or scores. In XX/XX/XXXX, I received an email that there were new accounts opened, and i went to check, there were 2 from Capital One and XXXX XXXX Bank. I have no knowledge about those cards, so i contacted the banks right away to report and closed the cards. After this, I am so afraid of there will more credits will open fraudulent, so I check the inquiries to see any new inquiries was asked without my consent, and i found some inquiries arent correct, so i called them to let them know that I didnt apply for credit cards, and if they issued the card they need to closed it now because Im under identify theft, and having problems with credits frauds. Since then, I open XXXX app to check my records everyday, and then in XX/XX/XXXX, i also saw XXXX account opened from XXXX XXXX bank, and XXXX account from XXXX that closed back in XXXX that I also have no knowledge about the account, and i can only see that XXXX acount from XXXX report. Its so frustrating me, and so i did the same thing, call the bank and XXXX to report. I also report with XXXX and XXXX. Now I just wait for them to do the investigation. This is my first time of being identify theft, so I just follow what I can do.
Product: Debt collection

RENT RECOVERY SOLUTIONS in XXXX claimed to have this alleged debt & has been falsely reporting inaccurate information to consumer 's credit profile, without CONSENT or Proof of claim Since XX/XX/XXXX RRS has damaged consumer 's credit worthiness. 
Consumer had taken multiple steps in resolving the issue with RRS, requested several documents in proof of claim, none were presented. 

The following documents mailed by RRS dated on XX/XX/XXXX Cover letter ( notice name spelling ) Apartment Rental Contract ( notice name spelling. ) Contract including a different address, name & signature is NOT of consumer to whom it was originally reported on. 

Move out Statement is the same incorrect consumer 's name, address.
Product: Credit reporting or other personal consumer reports

A company XXXX XXXX  XXXX suddenly appeared on my credit report and has been contributing to my low score. I have no knowledge of this account and also do not have any knowledge of the company they say is the original creditor. I have no idea why this is being listed on my credit and hurting my score when it is not my debt and must belong to another with the same name or else is somehow fraudulent. I do not owe this company any amount of $ and have no contract with them or the company they are associated with.
Product: Credit reporting or other personal consumer reports

I have reason to believe that XXXX, Transunion and XXXX have not completed a full investigation into disputes that I have filled with them on XX/XX/XXXX and XX/XX/XXXX, they are not fully checking for accuracy for the disputes, just making sure that the name on the account matches. 

According to the FCRA : 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports and protects the privacy, accuracy, and fairness of personal information. The section includes the following findings : The banking system is dependent on accurate and fair credit reporting.

Inaccurate credit reports can impair the efficiency of the banking system. 
Unfair credit reporting methods can undermine public confidence. 

I have received letters from all XXXX bureaus stating that there was a data breach and my personal information has been compromised.
Product: Debt collection

I noticed an invalid negative entry on my credit report from XXXX XXXX ( XXXX XXXX ) for a delinquency/charge off collection for a medical bill in the amount of {$270.00} from 3 years and 3 months ago ( XXXX ). 

The original creditors name was allegedly XXXX XXXX XXXX XXXX, whom initially reported an amount of {$170.00} that I was supposed to had owed. 

I heard of, never visited this so called laboratory, never used their medical services and never even been to any laboratory or hospital by this name.

Basically, my information was fraudulently used by someone to retain medical services in my name. I am 100 % sure and confident that this medical creditor doesn't have my any copies of my actual ID, or correct signatures on any of their documents or invoices that they supposingly have in my name. 

I tried to file a dispute with XXXX XXXX for this negative and invalid entry back in XX/XX/XXXXbut I never received a follow up or noticed any action was taken.
Product: Vehicle loan or lease

Got a {$400.00} late fee on my loan. Multiple issues with the loan, have a pending complaint already with you regarding this. Want that late fee removed due to multiple issues with usaa. Also when the repo agent was at my vehicle it was damaged by him.
Product: Credit card

In XXXX, I initiated a payment from my XXXX checking account to pay my Chase credit card. I had recently made a large purchase on my XXXX account, and had received a call to confirm I made the charge. Despite calling back within 10 minutes and leaving a message providing such confirmation, XXXX temporarily froze my account. 

As a result, the payment was declined and Chase unlinked my XXXX account as a payment source. Chase will not relink the account without a verification of deposit letter on XXXX letterhead. XXXX will not issue a letter, and will only complete a form provided by Chase. Chase will not issue a form. I've spent numerous hours on the phone with each/both institutions, in chats, and on social media and neither will assist. As a result, I need to make multiple transfers to other accounts just to pay my monthly statement... I'm told my only options are to pay by phone, mail or another account, which seems RIDICULOUS - particularly since Chase lets me use the XXXX account to pay XXXX other cards.
Product: Debt collection

This XXXX, upon move out notified me that there was a charge. After contacting them via email they stated it was due to a carpet charge. I provided them with a video of where my apartment was left in the same condition it was leased to me in including the carpeted area where they stated had " heavy traffic ''. They sent pictures of someone else 's unit and demanded I make a payment in 30 days. I asked that they provide proof with actual pictures from unit again and they did not '. What they did do was turn me over to a collection agency less than 30 days after telling me I had 30 days to resolve the matter and without providing sufficient proof of the debt.
Product: Mortgage

Bank of America has shut off communications ( see Exhibit 1 ) and has refused to correct its mistaken duplicate lien that it added onto the subject property. Bank of America has failed to submit a title insurance claim to XXXX XXXX ( see Exhibit 2 ). 
Bank of America points its finger at XXXX. However, XXXX, the mortgage servicer only, was not the responsible mortgage note holder that created a duplicate erroneous lien ( see Exhibit 3 ) Bank of America was. Moreover, XXXX is a company that is out of business, and the fiduciary of XXXX corporate corpse accepts no responsibility ( see Exhibit 4 ). 
To repeat, Bank of America acquired the $ XXXX mortgage, for which the complainant has been paying for ever since then as part of her consolidated mortgage ( see Exhibit 5 ). But Bank of America, obligated to ensure that its new lien/mortgage didnt duplicate another lien/mortgage, failed to do so ( see Exhibit 6 ), leaving the complainant with extensive damages!!
Product: Debt collection

I originally did go delinquent on a college loan directly with XXXX college in XXXX in XXXX. They sent it to collections and a couple of different companies picked up the debt. I paid the collection in full in XXXX. However the collection company that had the debt last moved the original delinquency date up to when they acquired the collection contract to XXXX of XXXX. It is my understanding that original delinquency date of XXXX should be the reported case.
Product: Credit reporting or other personal consumer reports

I cosigned a car loan for my husband to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX A XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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. 

XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/2022XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) Inquiry date XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

According to the comments on the accounts listed in my credit report, it appears that the credit bureaus have attempted to sell my information to a third-party agency. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that my personal information must be kept private, accurate, and protected from misuse. Given that I have already been impacted by several data breaches, this behavior further jeopardizes my personal information and security. Additionally, with XXXX currently facing lawsuits for errors and damages on consumer reports, this serves as proof that my information has been mishandled or sold. As such, I am requesting the immediate removal of these accounts and a {$1000.00} remedy for damages caused. Any consumer law attorney would agree that this matter is actionable. I also demand that you cease selling my personal information to any third party moving forward. This is defemation of character and effecting me from buying a home!!
Product: Credit reporting

Experian refused to correct my current address and delete the XXXX address 's which do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Columbia debt recovery LLC, ( XXXX ) for their failure to comply with my requests for information regarding a debt they claim I owe. I have made several attempts to resolve the matter and requested critical documentation that I believe is necessary to verify the legitimacy of the debt and the authority of the collection agency. 
XXXX. Failure to Provide Requested Information : On XXXX XXXX, I sent a written request to XXXX ( Columbia debt recovery ) asking for the following documents : -The original purchase agreement, stating they owe the debt and contract that shows I am responsible for the debt. 
- Proof that they are legally authorized to collect debt in the state of Colorado. According to the NMLS consumer access they are not licensed to collect any debt in the state of Colorado -Permissible purpose Despite these requests, [ Collection Agency Name ] has failed to provide any of the requested documentation or respond to my inquiry in a timely manner, and Still report this debt they have failed to provide any documentations for to my credit reports which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) XXXX. Lack of License to Collect Debt in Colorado : Additionally, I have reason to believe that [ Collection Agency Name ] is not licensed to collect debt in my state of [ Your State ]. Under the Colorado Fair Debt Collection Practices Act ( C.R.S. 12-14-103 ), a collection agency must be licensed to operate in Colorado. When I requested the agencys license number, they failed to provide this information, which further substantiates my belief that they are not in compliance with state law.

3. Request for Removal of Collection Entries : Given these violations, I request that you take appropriate action to have all collection entries related to Columbia that recovery ( Genesis ) to remove from my credit report, as they have failed to validate the debt and are not properly licensed to collect in my state. 
I am requesting that the CFPB investigate this issue thoroughly and take any actions necessary to ensure that this collection agency is held accountable for their unlawful practices. 
Summary of Complaint : Columbia debt recovery ( XXXX ) failed to provide the requested documentation, including the original purchase agreement and proof of licensing to collect debt in my state. 
Columbia debt recovery does not appear to be licensed in the state of Colorado to collect debts. 

- I request the removal of all collection entries from my credit report associated with this agency due to their failure to comply with the law. 
I have attached copies of all relevant correspondence and supporting documentation for your reference. 
-which is the letters I have sent on XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. Please let me know if you need any additional information from me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  opened in XXXX of XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, or hard inquiry as reported. The aforementioned account, collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Will not agree to settle, will not lower payments or refinance, harass me and call two to three times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified mail on XX/XX/2021 to Equifax in regards to accounts that they are reporting on my consumer report that I did not give written consent for them to report. According to 15 USC 1681b ( a ) ( 2 ) - 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. 
I demand that Equifax remove the following transactions from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX  XXXX