23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Started the short sale process on XXXX/XXXX/XXXX and sent to the bank on XXXX/XXXX/XXXX XXXX Bank confirmed package and broker price opinion was requested by bank on XXXX/XXXX/XXXX, XXXX Broker price opinion was completed today XXXX Bank asked for the agent to do another broker price opinion this was completed and sent in on XXXX XXXX XXXX bank stated they now want the buyer or seller to pay for and order an appraisal at the cost of {$400.00} I was also informed that the first Broker price opinion came in at XXXX, the next Broker price opinion came in at XXXX, I also sent in 6 comparables to the bank. XXXX XXXX seller agreed to pay for an order a licensed appraisal to dispute the first broker price opinion that has no license. 
XXXX The appraisal came in at $ XXXX, the offer amount is for $ XXXX XXXX/XXXX/XXXX Bank stated they would consider an offer at XXXX Leaving the seller no resource except to have to go through the foreclosure process.
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. 

ALL ACCOUNTS & ALL INQUIRES XXXX XXXX XXXX XXXX XXXXXXXX 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 violated my rights as follows : 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 which I have NOT provided. 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. Any and ALL potentially negative or adverse reporting, as well as unverified and inaccurate information must be
deleted from my credit report immediately. Remove these items listed at your earliest opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially filed complaint ID XXXX with CFPB in XXXX of XXXX hoping for a resolution of the original problem of a reported but INCORRECT auto insurance policy lapse. I have tried several times before to resolve the complaint with LexisNexis to no avail. This last time, in the complaint listed above, I used CFPB and got word that LexisNexis resolved the issue. Turns out they only said they resolved the issue, it still remains. Their correspondence to me tells of a resolution and yet when logging in to their website, looking at the pertinent info on page 31, under the heading Section 7, Record 1, Automobile Insurance Policies, under the heading " Policy Holder Details '' and under the sub-heading " Number of Policy Lapses '' it now correctly states 0 ( zero ) instead of the number 1 that used to be displayed. Problem now is that under policy lapse dates it STILL gives a Lapse Start Date of XX/XX/XXXX and a Lapse End Date of XX/XX/XXXX. 
THERE WAS NEVER A POLICY LAPSE! The letter I submitted from XXXX XXXX states this and now LexisNexis 's own report states 0 lapses and yet the report STILL gives these two start and end dates.
Product: Checking or savings account

hello Wells Fargo is charging a NFS fee for an over payment. The company allowed the payment to go through and I asked not to do that, if not finds are in the account please decline the charge. Plus the company said if a direct deposit is coming into the account no overdraft fees will go on to the account.
Product: Credit card

i keep getting getting decline have money in the bank 4times in one day called in to get it solved this is not the frist time they are doing this to me.
Product: Credit reporting or other personal consumer reports

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 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses , without lawful authority, a means of identification of another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint to Experian about their reporting data on my XXXX  account. They continue to show a balance eventhough XXXX shows XXXX. The other credit agencies show XXXX. I have sent the do moments showing accounts all have XXXX. XXXX has done the same. So either Experian chooses to ignore the data ate they are incompetent
Product: Debt collection

There is a collection company that is illegally and erroneously reporting a debt due, I already requested an investigation thru all XXXX credit bureaus and I have been unsuccessful. The company still says that the debt is due when there was never one. The collection company is showing a debt due as a rental/leasing category from an original creditor when I never even rented from them. Need this item removed from my credit inmediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from XXXX, I purchased it from XXXX XXXX  which was then bought out by XXXX. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.
Product: Mortgage

I have now contacted our new mortgage servicing company, PHH Mortgage Services, 4 times since XX/XX/XXXX, with regards to why their company has failed to pay our property taxes from our escrow account. These are county and township property taxes that were due at the end of XXXX. I am attaching the two notices of delinquency on these taxes to this complaint. 

The money to pay the taxes in question has been present in the escrow account since before the initial delinquency notice of XX/XX/XXXX. In four different, frustrating and lengthy phone calls, I have received no better answer from PHH than " my documentation and concern has been to submitted to our escrow/taxes department '', even when requesting an escalation from the representatives. I was told explicitly that I could not be transferred to this department, and that " they were going to take care of it, along with the now accrued late penalties and interest. '' Never was I allowed to speak to someone who could solve this problem. 

As of date of submission of this complaint, I have confirmed with the relevant local tax office ( information attached ) has not received payment. I have exhausted my options with PHH 's ridiculous customer phone service, and I now asking for solution through this filing.
Product: Credit reporting or other personal consumer reports

There were credit inquiries on my credit report that i did not authorize. Due to these credit inquiries from the following companies, my credit score was affected. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XX/XX/XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XX/XX/XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of the loans was paid off in XX/XX/XXXX ( see XXXX 1098 issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is  depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX XXXX which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )
Product: Credit reporting or other personal consumer reports

Experian continually shows my credit utilization at 140 % or greater even though its less than 10 %. This is not a timing issue. It has been occurring for more than 9 months, and I have called over 20 times and sent more than ten letters. Each time ai call Experian their customer service says that they can't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN REFERENCE TO THE AMERICAN EXPRESS ACCOUNT WITH THE ACCOUNT # XXXX THAT WAS OPENED ON XX/XX/XXXX AND LAST UPDATED ON XX/XX/XXXX. THE LEGEND REVEALS THAT THE ACCOUNT IS CURRENT AND PAID AS AGREED ALL THRU XXXX AND THERE WAS NO DATA FROM XXXX - XXXX PRESUMABLY BECAUSE THE ACCOUNT HAD A XXXX BALANCE AND DID NOT REQUIRE A PAYMENT. HOWEVER, THE PAYMENT HISTORY INDICATOR CHANGED ON XX/XX/XXXX TO REFLECT A CHARGE OFF OF USD XXXX THAT IS UNKNOWN WHETHER THESE ARE FRAUDULENT CHARGES MADE AFTER I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT AND THE COURT APPOINTED CONSERVATOR XXXX XXXX TOOK OVER AND MADE THOSE CHARGES OR WHETHER THEY ARE DUE TO ANNUAL FEES AND INCIDENTAL CHARGES THAT ARE ASSOCIATED WITH MAINTAINING THE ACCOUNT. FROM MY UNDERSTANDING, XXXX XXXX TOLD ME ALL MY CREDIT CARD ACCOUNTS WERE CLOSED BY HIM. I SPOKE TO AMERICAN EXPRESS AND ADVISED THAT MY CAR CONTAINING ID AND CREDIT CARDS WAS AUCTIONED OFF OVER THE PHONE IN XXXX AND WAS TOLD THAT I WOULD NOT BE LIABLE FOR ANY FRAUDULENT CHARGES OR CHARGES THAT I DID NOT MAKE. IT IS THEN A HUGE SURPRISE TO SEE THIS ACCOUNT SHOW UP ON MY CREDIT REPORT ESPECIALLY SINCE I WAS NOT IN THE USA TO USE MY AMERICAN EXPRESS CARD THAT WAS CANCELLED BETWEEN XXXX - XXXX. 

PLEASE REMOVE THIS INACCURATE ACCOUNT HISTORY THAT IS POTENTIALLY NEGATIVE OFF MY CREDIT REPORT.
Product: Debt collection

My identity was stolen during my time of XXXX  in and out of XXXX. All transactions made in my name were fraudulent.
Product: Credit card or prepaid card

Hello I changed my payment account on my XXXX card credit card from XXXX ( I closed that ) to XXXX XXXX account. I did it with the online app. I have been a member with Capital One since XXXX, and my account was always on autopay. When adding in a new billing account ( XXXX XXXX  ) in XXXX using the online banking app there was never any prompt or message that my autopay was being discontinued. To my knowledge my new billing account ( XXXX XXXX ) would be auto drafted at the next billing cycle. This, however, did not occur. I was unaware that I was transitioned into manual pay, and furthermore unaware that my account became delinquent! I received an email on XX/XX/XXXX from Capital One that my account was 30 Days late. I immediately made a payment in the amount of {$350.00}, which is considerably more than the amount due. Today I received a new email from XXXX XXXX that my credit score decreased nearly 100 points due to a report made from Capital One that my account was 30 Days delinquent. I called Capital One this morning to resolve this issue. They told me the new account was not on autopay, it was my responsibility to make sure it was on autopay per the Terms and Conditions I agreed to in XXXX when I opened the account. Again, I was not aware when adding a new billing account that it dis-enrolled me from autopay, nor was I notified it would do so. I have been an account holder with Capital One since XXXX and have never had one late payment, nor any other late payments from any other financial institution. My credit report, until this blemish has been impeccable! I will absolutely make sure a late payment is not made on my account in the future, however I Kindly ask that Capital One retract or/and dispute the 30 Day Late report to credit bureaus. Further, I recommend making it clear on the app that clients need to update their autopay preferences when adding a new billing account to their account. Had the app instructed me to update my autopay preferences none of this would have been an issue!
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX A : STATES THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX U.S.C XXXX SECTION XXXX ( a ) ( XXXX ) 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 XXXX YEARS. XXXX U.S.C XXXX ( 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 INFORMATIN IS INACCURATE.
Product: Credit card or prepaid card

I requested XXXX XXXX XXXX, dba, Chief Executive Officer, to perform a set-off and adjustment of all charges by the exemption in accord with UCC section 3-419 ; House Joint Resolution 192 of June 5, 1933 ; Public Law 73-10 ; Title 26 section 674 ( b ) ( 5 ) ( b ) under Safe Harbor and UC Constitution and release me from the obligation ( {$34000.00} ) under AMERICAN EXPRESS account ending XXXX. Mr. XXXX fail or refused to perform his fiduciary duty as it relates to this matter.
Product: Credit card or prepaid card

On XX/XX/2021 Chase closed my Freedom Unlimited Account ending in : XXXX with no consent or authorization. They then provided me with an automated response that was unclear. In the response provided below Chase stated that my accounts were closed for two reasons that were not specific or clear. Chase then stated " Our decision was based in whole or in part from the consumer reporting agency listed below '' which was XXXX. Then on the very next sentence stated " The consumer reporting agency played no part in their decision '' That statement is a clear contradiction. Chase has discriminated against me under the Equal Credit Opportunity Act and has used unfair practices against me. 

I have contacted Chase numerous times only to get laughed at and disregarded by agents like XXXX a XXXX XXXX who told me that he doesn't need to follow any federal laws because he was in charge. I then informed XXXX of the fact that I am a consumer 15 USC 1692a ( 3 ) and that I am aware of the fact that I am the original creditor and the account belongs to me not Chase as this was an accepted Credit card 15 USC 1693a ( 1 ) held at the federal reserve 15 USC 1693a ( 2 ) ( 4 ), I then informed Chase that they had created an unauthorized transaction 15 USC 1693a ( 12 ) as closure of my account without my consent was a violation as I receive no benefit from such action. 

As the person who extended the credit to Chase I am hurt and distraught at the fact that they would abuse me this way. I can't believe the level of unprofessionalism and their clear disregard of the law. I have been suffering and struggling to eat and take care of myself as I relied on my credit to obtain personal and household services. 

Chase had committed an unauthorized use of my account 15 USC 1693a ( 12 ) and has defrauded me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Dear creditor, 30 days ago, I sent you a letter asking you to investigate the account listed below as I feel that your company is reporting inaccurate information. You have not responded within the allowed time frame by law, which is 30 days. Is there any reason why you have not responded? I have given you all the information that you need to investigate this matter. I'm not an expert in the law, but I do know the basics of the Fair Credit Reporting Act and the FACTA ACT. 

Account : Reason : Instruction : Report Number : XXXX Account Name : ADS/Comenity/Victoria Account Number : XXXX XXXX Opened : XX/XX/XXXX Current Status : Open Status Updated : XX/XX/XXXX Balance : {$0.00} Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX I am disputing the inaccurate reporting of late payments for XX/XX/XXXX and XX/XX/XXXX on my XXXX account ( Account Number : XXXX XXXX XXXX After speaking with a representative of ADS/Comenity on a recorded line, I was assured that these late payments would be corrected to reflect an " on-time '' status, yet this inaccurate data persists on my credit report. This ongoing false reporting directly violates 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information provided to credit bureaus must be accurate. It also infringes upon XXXX XXXX  compliance standards under the Consumer Data Industry Association ( CDIA ), particularly the guidelines for accurate reporting in Account Status ( Field 17 ) and Payment Rating ( Field 17A ), which must reflect the true state of the account as verified by the creditor. Additionally, 15 U.S.C. 1692e of the FDCPA prohibits any false, misleading, or deceptive practices in debt reporting, and the representatives misrepresentation of account status correction constitutes a violation of this regulation. Furthermore, UCC 1-201 ( 37 ) and UCC 2-715 address my rights to accurate financial reporting and entitle me to seek damages for the negative impact caused by such inaccuracies. I demand immediate correction of this account, with the late payments removed and the account updated to reflect a current, on-time payment history in compliance with XXXX XXXX standards. If not resolved within 30 days, I will pursue statutory damages for the financial and emotional harm caused by this non-compliance, including a claim for damages under FDCPA and UCC protections.

I don't want to file any complaints against your company, but I need your company to follow the law and either fix the inaccurate reporting or complete your investigation within the next 10 days. If the investigation is not complete within 10 days, I will file complaints with the attorney general office, the FTC and the Consumer Financial Protection Bureau. 

I await your response. 

sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I contacted Flagship Credit Acceptance to request a legal contract bearing my wet signature and a deficiency letter. Flagship could not produce the information I was requesting, because I had no legal contract with them. They have been reporting a negative balance to the credit bureaus since XX/XX/XXXX. 

I recently mailed an affidavit indicating their violations of the statute of limitations for the state of Alabama. I have not received any correspondence back from them, other than a returned signature, to indicate they have receipt of my letter. I was made aware that a vehicle I surrendered was sold for {$5600.00} and they have been reporting a negative balance of {$7700.00} ; which is why I requested a deficiency letter that I never received after the sale of the vehicle in XXXX. I made many attempts in disputing this error, but nothing on the company 's end was ever resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about the XX/XX/XXXX 2019 I sent in a letter asking XXXX for validation of a few inquiries on my report. I received an email on XXXX XXXX 2019 I received an email from XXXX stating they received my letter and issued me a dispute # of XXXX. On XX/XX/ 2019 I received a email stating my dispute was complete. Upon review of my credit report I found the results of their investigation had nothing to do with the inquiries in the letter they received on the XX/XX/XXXX 2019. I called to explain this to them but was given several vague security question. Unfortunately i was unable to get help from the representative. 

I also noticed that the investigation they conducted was a bankruptcy in which they obtained according to them validated information threw a third party. The third party in which they validated the information with has an active suppression on my file dated XX/XX/XXXX 2019. this means that they were able to obtain information without my consent in writing and while my file was suppressed with the company verifying it.
Product: Credit card

Regarding Case # XXXX Discover has not reopened Case # XXXX despite providing evidence from the merchant that a refund for {$1100.00} was processed on XX/XX/2023 and has not reflected on my Discover account as of XX/XX/2023. 

I am attaching the following documentation to this complaint : XXXX ) Police Report ( Complaint # XXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) XXXX ) Acknowledgement email from the merchant ( FTMO ) that a refund for {$1100.00} was processed on XX/XX/2023 Additionally, I have asked multiple representatives for instructions on asserting Claims and Defenses and I have not received the information I explicitly asked for. Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 govern the regulations for Claims and Defenses. As a result, the unauthorized charge of {$1100.00} is now listed on my XXXX credit report and will become a delinquent account if no action is taken. 

Lastly, I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.