23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding attempted to collect a debt of {$950.00} that appears not to be mine. I have never heard of this company and want this account deleted immediately, as required by law.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Closed Accounts : XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Quicken Mortgae/Rocket Mortgage transferred my Loan to XXXXXXXX XXXX. A letter was sent to me in XXXX indicating that XX/XX/XXXX payment should go to XXXX but no account number from XXXX was provided. I got no letter from XXXX prior to XXXX. So I made my XXXX XXXXpayment via my usual bank bill pay to Quicken. 

I finally got a letter from XXXX XXXX my account info in early XXXX and setup my online account with XXXX. I then noticed that there is a loan balance amouint as well my next payment due date was XXXX. XXXX did not know what happened to my XXXX payment. 

So I called Rocket Mortgage and they indicated that they refused my XXXX payment. I asked for a principal balance amount and statement and Rocket refused to give me that indicating that they closed the account. 

The problem here is : 1. Transfer process did not give me the end user enough time to setup my payments with the new provider. 
2. I do not way to check that the loan amount transferred from Rocket lines up with the loan amount received by XXXX 3.No one is helping me to identify what happenned to my XX/XX/XXXX morgate ayment and if it is included in the loan balance I now see at XXXX Overall the consumer, me, has to run around for no reason and simply because these two companies do not manage the transfer process seamlessly for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, BANKRUPTCY XXXX XXXXXXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my report that is not of my own doing, I'm trusting that this will not be a long fought battle with the 3 major trusting reporting agencies that we all depend on to report accurate information that's proving by physical documentation. Inwhich is the law of the FCRA, the following Inquiries in question are the ones with the following dates,XX/XX/XXXX
Product: Mortgage

See complaint XXXX. Mortgage bank agreed of removing the insufficient fund charge, a day after refinancing but, included the insufficient fund fee in the mortgage pay off. After calling customer service XXXX of XXXX about the discrepancy I received a verbal reply that the fee will not be refunded to me by management decision.
Product: Money transfer, virtual currency, or money service

My father tried to send me {$500.00} on Venmo so that I could purchase a laptop from XXXX. We had been talking about this for awhile. I made a venmo account specifically for this reason and as soon as he sent venmo froze both mine and his account. His account had a few thousand dollars in it because it was his business account. I have tried reaching out, called multiple times and I finally got someone to explain that the reason they did it is because we used the word " laptop '' on what the money was for and unfortunately the person that told me that ( venmos SUPPORT DEPARTMENT ) had no ability to do anything about it ( he told me so ) its completely in the hands of the " account specialist '' that you conveniently can not call.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX 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 had reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting

I have been working very hard to raise my credit scores, so that I might try to buy a home instead of renting. I have had child support issues in the past, mainly due to financial hardships out of my control, layoffs, injuries, ect. I have i.d . theft protection thru my bank, which I pay for monthly. this gives me access to my credit report on a daily basis, from the XXXX major companies, XXXX Equifax, XXXX. when I told my real estate agent that my score was above his requirement to get me financed, he went ahead with standard credit check, on XXXX the company he used was called XXXX-credco. they sent him what they call a CREDCO INSTANT MERGE CREDIT REPORT. it reflected the positive payment history on my credit card, but did not show the positive payment history on my XXXX child support cases. when I look up my own report thru any or all big XXXX credit bureaus, they show positive payment history dating back 24 months on XXXX child support cases. Credco 's report shows NO payment history, and have XXXX child support cases listed as in COLLECTION. this is not true, due to the fact that Missouri is garnishing my social security, and my pension for this child support and have been doing so for years. I called credco, and they told me that they forwarded the report to my real estate agent, just the way they received it from Equifax. I tried to call Equifax to no avail. why can I get my report with positive payment history, but credco and my real estate agent can not? this flaw in the system cost my home loan approval, even with my V.A. home loan certificate. my agent tells me that if the credit report would reflect my good monthly payment record for these XXXX child support cases, that he could have pushed loan approval thru. I reached out to everyone I could contact, only to get the runaround. everyone points the blame to someone else. are there not laws to protect people against wrongful or half truthful, or incomplete reports? seems to me that this system is set up to report as much bad as possible, so that the financial institutions can make money buy jacking interest rates on people with less than perfect credit scores. thanks
Product: Bank account or service

I went into the bank on a Saturday and asked the teller to look up my account and issue me the balance of the account. I did not specify the amount as I wanted to make sure any pending transactions or charges I was not aware of in the past 24 hours since reviewing my balance were accounted for. I did not specify how to issue these funds as I did not care. I was issued a cashiers check that day. I received an overdraft notice a week later advising that I was XXXX overdrawn with that transaction and was incurring a fee. I tried to resolve the issue by asking why the XXXX overdraft and why they felt it moral to charge me continually fee upon fee on what, I believe, is a charge not accounted for for the cashiers check she issued. I 've been refused a waiver of these fees, instead they continue to charge me and send threating letters. I 'm asking that they explain how the XXXX overdraft was incurred and waive the astronomical fees ( over XXXX now ) on this XXXX overdraft error they caused.
Product: Checking or savings account

I closed my checking account at Chase Bank and an amount {$1800.00} was withdraw and used today balances on two credit cards which do not belong to me It was used to pay accounts ending in XXXX XXXX
Product: Debt collection

I am writing to dispute an account related to XXXX XXXX XXXX and XXXX that I do not recognize. I have previously disputed this account multiple times without resolution. 

Details : Account in Dispute : XXXX XXXX XXXX Original Creditor : XXXX Amount in Dispute : XXXX Actions Taken by Me : Disputed the account on XX/XX/year> Requested verification or additional information on [ date ( s ) ] [ Any other relevant actions taken ] Actions Taken by the Company : Response or lack of response from XXXX XXXX XXXX Any communication received from XXXX on SOLD TO A COLLECTION COMPANY AND INACCUTE DATES 15 USC 1681 Fair Credit Reporting Act ( FCRA ) Protections Section 1681c Information Excluded from Consumer Reports This section outlines what information should not be included in a consumer report, such as XXXX  more than XXXX XXXX XXXX, civil suits or judgments more than XXXX XXXX XXXX, and records of arrest more than XXXX XXXX XXXX. 
Section 1681d Disclosure of Consumer Reports This requires that consumers must be informed about the contents of their credit reports, and specifies the procedures for accessing and obtaining their reports.

Section 1681e Responsibilities of Furnishers of Information This section requires companies that furnish information to credit reporting agencies to ensure that the information provided is accurate and to investigate disputes regarding inaccuracies.

Section 1681g Right to Know Whats in Your File This gives consumers the right to obtain a copy of their cre

dit report from a credit reporting agency, along with a list of anyone who has requested their credit report. Section 1681i Procedure in Case of Disputed Accuracy This section details the procedures for disputing inacc
uracies in your credit

report and requires credit reporting agencies to investigate disputes within a specific timeframe. Section 1681j Disclosures to Victims of Identity Theft This provides guidelines for consumers who are victims of identity theft to obtain information about the fraudulent accounts opened in their names. Section 1681k Users of Consumer Reports for Employment Purposes This section requires that if a consumer report is used for employm
ent purposes, the consumer must be notified and

must have the opportunity to dispute any inaccurate information. Section 1681s-2 Responsibilities of Furnishers of Information This section requires that furnishers of information to credit reportin
g agencies must have procedures in place to ensure the accuracy and integrity of the information provided.

Section 1681t Relation to State Laws This section explains how federal law interacts with state laws concerning credit reporting, often providing that federal law supersedes state laws in certain cases.

Section 1681u Disclosure of Address Information
Product: Credit reporting or other personal consumer reports

The Fair Credit reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As a consumer I have a right to ensure that my private information is not shared. Experian, XXXX, and XXXX are all consumer reporting agencies. 15 USC 6801 says " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' By definition under this title XXXX XXXX is a financial institution. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution XXXX XXXX and consumer reporting agencies Experian, XXXX, and XXXX DO NOT have my consent to furnish this information. I revoke any and all consent, written or non-written, verbal or non-verbal, and implied from XXXX XXXX  and Experian, XXXX, and XXXX. 15 USC 6802 ( b ) ( c ) says that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' With that being said, XXXX XXXX ( The Financial Institution ) never informed me ( The Consumer ) of my right to exercise my non disclosure option. 
15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account/inquirie is an adverse item on my consumer report being reported without my permission, which is AGAINST the LAW. " 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. according to 15 U.S. Code 1681s2 ( A ) ( 1 ).

In accordance with 15 U.S. Code 1681e which states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian, XXXX, and XXXX are not maintaining these reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

XX/XX/XXXX I was involved in an accident where it almost cost me my life. But God didn't want it that way and until today I'm here with difficulties. Product to the Corruption of the  lawyers I ended up suing myself and the only thing I could get was a withdrawal from my work nothing more than that This situation, as they should be imagined, results in economic situations in XX/XX/XXXX. Call the bank XXXX XXXX. Explain the situation and they did not want to help us at all over time. We ran out of all kinds of economic resources. There were problems that began transferring us to XXXX XXXX and On this occasion it was better to go to XXXX and not have to deal with XXXX staff call XXXX in several occasions to transfer us to another and they never did XXXX we asked him to make a modification the only thing they did was put us in more difficult situations every day until this year in XX/XX/XXXX they sent us a letter saying they transferred us to XXXX XXXX   which is the same as XXXX XXXX XXXX, this famous company since we are in their hands are harassing us and trying to destroy us mentally with the actions they are making us physically destroy and mentally I hope to find you can help us solve something thank you very much Sincerely, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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: Debt collection

There is a collection on my credit report. My bank is telling me that it's from XXXX. I have gone through my XXXX but this was not a purchase that I made. The name on it is also a name I've never heard. The collection is affecting my credit and I don't believe it's mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I send XXXX XXXX, XXXX XXXX and Experian a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', XXXX in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, XXXX and Experian in violation with FCRA they never answer. I went back to Experian, XXXX and XXXX on XXXX XXXX sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. this items need to be deleted from my credit report if it can not be verified within 30 Days.
Product: Mortgage

1 ) We were never given our rate until it was too late for us to back out of the deal and lose our earnest money - and we feel the rate is outside of industry norms given our credit profile, income, property, etc ... ; 2 ) We were never given a Final Closing Disclosure as required by Federal Law 3 days prior to closing ; 3 ) When we DID receive a Final Closing Disclosure at closing, our loan officer asked us several times to back date it ( which would have been a commission of loan fraud ) and only stopped pushing us to do that when we insisted that he no longer ask us to commit loan fraud and signed and dated the CD after closing ( with the actual time and date that we received it ) ; 4 ) When we got to closing our costs to close were $ 30K more than we were expecting or had liquid - and we had to choose between scraping for cash and losing our {$28000.00} earnest money deposit ; 5 ) When we brought these concerns to our loan officer via phone during our closing we were told there was nothing that he or Westpark could do to assist us and we were left choosing between losing our {$28000.00} earnest money deposit or signing the documents. 

There are a litany of other irritations we had with the process - but the major concerns are addressed above. 

Important Dates / Amounts Actions : My first call to Westpark - XX/XX/2018 - Sent them our documents for review. 
File Submitted to Underwriting - XX/XX/2018 Close of Escrow - XX/XX/2018 at XXXX XXXX - XXXX XXXX XXXX - XX/XX/2018 Purchase Price : {$920000.00} Loan Amount : {$740000.00} Interest Rate : 6.625 % Down Payment : {$180000.00} ( 20 % )
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to write disputes to each credit bureau ( XXXX, XXXX XXXX Experian ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of 15 USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop
Product: Mortgage

I received pre-approval for a mortgage loan with Navy Federal Credit Union on XX/XX/2021 and I yet to receive the loan estimate that is required by law under TILA-RESPA to receive the documents within 3 days of being approved. Today is XX/XX/2021 5 business days.
Product: Debt collection

I received a letter from Northland Group in reference of XXXX, account number XXXX. A debit that Is not mine, I would like that Company to verify the debt with my signature, and the original date of the debit. But they sent a letter stating the debt was closed. I state the debit does not belong to me, they have ignored my letter, Please send me the original contract of the debit with my signature verifying the debt, and I am suspect of the date of the debit, it is a 2008 debit.