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

I notified Experian Credit Bureau regarding my closed account as of XX/XX/XXXX with XXXX XXXX XXXX. I have requested from Experian as per the Fair Credit Act the statue of limitation of 7 years has expired and as of today 's date my closed account is going over XXXX years.I advised Experian the recent report sent to me for XX/XX/XXXX clearly noted that the closed account with XXXX XXXX XXXX will continue on record 'UNTIL ' XX/XX/XXXX. 

I kindly request CFPB to investigate my complaint because Experian is not following the Fair Credit Act laws enacted by Congress. Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a forbearance plan on my mortgage with Pennymac in 2020. Per the Cares Act the mortgage was not to be reported late. I have no reported lates for 2020 on XXXX or transunion. The XXXX report shows no lates until XX/XX/2020. The month I paid off the mortgage. I have called Pennymac and get no response after putting in a complaint. I have disputed with XXXX several times and each time a new error pops up. I have been denied a mortgage due to this error. Im told my report shows my payment is $ XXXX per month. XXXX refuses to fix any errors and neither does Pennymac. Im being harmed financially waiting another year to buy will put homes out of reach for me.
Product: Bank account or service

I left a bank account open with {$10.00} in it with Wells Fargo in XXXX of XXXX. Wells Fargo assessed fees of - {$25.00} as the balance went just below {$0.00} and closed the account with a negative balance of around ( {$25.00} ). Since then, the debt was sold off to multiple owners. I tried to trace it in XXXX. I came down to the " newest '' company who owned the debt and after calling them 5 times, they were unable to locate who they sold the debt to. Since then, I left it alone and I have n't heard anything since then. Yesterday I received this voicemail on my cell phone from an unknown number. She left a voicemail saying, " Hi, XXXX XXXX. Now my name is XXXX XXXX and I 'm just giving you a call regarding documents I received in my office under your name. Now I do need you to be advised that I have a request to place you on my schedule for delivery for tomorrow afternoon, the XXXX in between noon and XXXX. Now I will be heading out to your home or your place of employment at that time so make sure that you do have a valid photo ID for signing. Now if you do have any questions regarding the documents you will need to contact the sender directly since they are marked as sealed and confidential, I just deliver them, but that phone number is XXXX and then also your file number is XXXX XXXX. If by chance you resolve whatever issue it is you have with that office, just have them issue a stop order. If they do not issue that out, I will see you tomorrow afternoon. '' I called the number yesterday. They told me I had a case and accused me of some crazy thing with Wells Fargo and I stopped him right there and said, " listen. I checked my county records and there is nothing filed in the clerk of courts with my name on it. So if you truly were delivering me papers tomorrow, you would have legally already had to have filed them in my county and you have n't so it sounds to me like this is a scam and I will be reporting you ''. He then got defensive and I said, " It 's too bad you are choosing to do this in XXXX - I hope you do n't ruin anyone 's XXXX by trying to XXXX them '' and he hung up on me. We shall see if I actually get anything delivered to me.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX 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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followin
g items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have written this collections company by certified mail asking them to validate the four accounts that they are reporting on my credit reports. I have not receive anything from them about this alleged debt. Also with further investigation I found that they are not licensed to do business of debt collections is the state of Florida. They are reporting to the credit bureaus that I allegedly owe XXXX, XXXX, XXXX, and XXXX. It has been well over 60 days and I have n't heard or received anything back from this company. I would like for them to immediately remove this items from my credit reports since they DO NOT have license to do business in the state of Florida.
Product: Credit reporting or other personal consumer reports

I currently have unauthorized inquiries appearing on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, swear under the penalty of perjury the complaint I am filing is true and correct. 
Early Warning has broken the law, specifically section 605B subsection C of the FCRA. 
I am including letters from Early Warning stating they blocked, and then rescinded the block, never by the law. Early Warning has the police report that is certified and notarized as fact that I never had access to the external accounts attached to the XXXX account they are blocking and then rescinding numerous times. 
Subsection C in 605B of the FCRA states that a XXXX can decline or rescind a block levied in subsection A in 605B of the FCRA. C states there are XXXX very specific reasons and criteria that MUST be met and stated as being met to decline or rescind a block.

1. In error 2. A material misstatement of fact 3. Proof the consumer obtained goods or services from the account requested to be blocked in subsection A.

If no proof of any of these 3 criteria happened or proved to happen, no block can be denied or rescinded.

Early Warning rescinded a block without any of these 3 reasons being met. Clearly breaking the law numerous times.
Product: Student loan

Before applying for the income contingent plan, I have had a really hard time with XXXX trying to get my student loans paid! After being deferred for quite some time I have incurred many fees which have put me further behind on payments! I am still being charged large sums of interest on the income contingent plan
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, I went to the Bank of America ( BofA ) ATM to withdraw funds from my checking account, where I receive my payroll, and noticed that my card was not working. I immediately called BofA to identify the issue, where I was told that my accounts had been restricted and would be closed in a couple of days, because I had not updated my information. Going through my records, I realized that a letter ( " Letter '' ) had been sent on XX/XX/2020, requesting that I update the information. On XX/XX/2020, I had gone to the BofA branch and updated my information and received a confirmation of my visit, as requested in the Letter. Furthermore, after reviewing my records, I called BofA on XX/XX/2020 to request to transfer my funds, as they indicated that they would close my account. However, BofA indicated that I could not withdraw my account, which is my main account where I receive payroll and pay all my bills and expenses, and they indicated that they would close my account on XX/XX/2020 ( the " Closing Date '' ), and within 3 business days of the Closing Date, they would issue a check and send it over regular mail, which takes 7 to 10 business days, which means that I would receive my payroll funds within 20 to 30 calendar days since the day BofA froze my account. Additionally, BofA debited my account for a payment that came in, however, since I did not have the funds, it overdrew one of my checking accounts and charged me a fee, which I can not pay, since I can not credit any account or use the funds already in my other checking account at BofA. I was also expecting to receive my XXXX XXXX XXXX through this account, which this situation will likely cause an unnecessary delay in my receipt of those funds. Due to the described situation, I do not have funds this month to pay my necessary living expenses, I have been charged fees by other companies since they returned my monthly ACH bill pay/autopay, I will likely incur in a credit score downfall, and the emotional stress of not being able to pay my bills and the current Covid XXXX situation. I believe that BofA 's practices fall under the Unfair, Deceptive or Abusive Acts and Practices ( UDAAPs ), as they have blocked access to my funds, which include payroll. Furthermore, absent a court order or a violation of law, I do not believe BofA can legally freeze my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below had violated my federally protected comusumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX/XXXX XXXX XXXX XXXX  account number : XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 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 of information any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 's reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We had Ocwen as our service. They charged us mortgage insurance and we never needed it. We were in a chapter XXXX bankruptcy and they messed our payments up from the trustee. We tried to modify our loan before our bankruptcy and they lost paperwork. Our names are XXXX XXXX And XXXX XXXX XXXX. My phone number is XXXX. Our current address is XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. The property in question was XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. Can we be part of a class action law suit? Thank you, XXXX XXXX XXXX email : XXXXXXXXXXXX
Product: Checking or savings account

Today XX/XX/year> I contacted XXXX about being able use my money for food and gas for my family, as the home screen on the banking app advised me to call ; they stated there is nothing they can do and my account is restricted. I explained my familys dire situation and asked for alternatives, such as XXXX, for accessing the only money we have-but they informed me I can not access my own pay.
Product: Student loan

Loans are for children that are still enrolled in college fulltime. ED Financial is sending me invoices for funds due. 

I have called and emailed multiple times since XX/XX/XXXX  and provided all documentation that has been requested. I even had the school fill out forms that acknowledged full time enrollment. 

This is approaching 6 months of harassment, fraud and a massive waste of my time. 

ED F said they will resolve the problem, but nothing is done. 

I just received another email today about a payment due
Product: Vehicle loan or lease

On XX/XX/year>, XXXX ( my credit union ) overnighted a check to Capital One to refinance my vehicle loan. Unfortunately, XXXX agent put the incorrect account number on the check. Capital One advised me they would apply the money to my account in XXXX business days. XXXX business days past, then a Capital One agent told me they couldnt apply the payment and the money would be sent back to XXXX. On XX/XX/XXXX, my vehicle was XXXX XXXX XXXX by my insurance company. My insurance company was prepared to pay the lien holder, which was Capital One, but instead of Capital One sending the money back to XXXX, they used it to pay off their loan. Capital One told my insurance company that XXXX was the lien holder ; my insurance company wouldnt release the check because of Capital Ones deceptive and fraudulent practices. My loan with Capital One was still accruing interest, XXXX couldnt remove their loan from my credit report, and I couldnt initiate my XXXX insurance claim. On XX/XX/XXXX, Capital One told XXXX yet again they sent their money back via the XXXX, even though XXXX offered to pay for it to be overnighted. XXXX has deferred my payments, but they will not remove the loan from my credit report until they receive their money, which they havent. This matter has been escalated to the office of the president at Capital One, and yet all XXXX and I get is the runaround.
Product: Credit reporting or other personal consumer reports

Recently i did a investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

Dear, CFPB attached is a face copy of page 1 and page 2 from the United State Court XXXX XXXX of Florida. I need your assistance with case number XXXX, this court order written on XXXX XXXX stating that a response to the above case number within 20 days from the last defendant responds to the complaint, but when I called the court today they said it is 14 days to respond. Please respond to the above court case number with your counsel team. Thank you so very much.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions, XXXX consistently responds withing XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act, XXXX XXXX. XXXX which mandates a reasonable investigation of disputes. Furthermore XXXX actions may also contravene the consumer financial protection act, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the cfpbs recent administrative proceeding file no XXXX ) against them for similar violations. i request that the cfpb take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to the previously two inter-related complaints XXXX and XXXX regarding a fraudulently applied for and maintained Discover credit card ( account XXXX ) in my name, that occurred while I was XXXX on income tax related charges within the State of New Jersey and XXXX XXXX XXXX. 

First, Discover Financial Services exceeded the 30 requirement for responding to both your office and me. My complaint to Discover Financial Services was made in XX/XX/XXXX. My request for your intervention was made in XX/XX/XXXX. 

Secondly, the account information submitted by XXXX, at the Discover Office of Customer Advocacy only proves to substantiate my complaint that a Discover credit was in fact opened in my name and maintained in my name using my former address, however I was not at my home address and I was unable to remit payments on this credit card, because I was XXXX  in both the New Jersey XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Not only did Discover exceed the 30 day requirement for responding, but it responded with information showing that someone, other than me opened the credit card account. 

Furthermore, this Discover credit is incorrectly being reported on my credit reports an active account when the account was closed in XXXX. My credit score is now incorrectly being reduced with an erroneous credit reporting from a credit card fraudulently opened and maintained and still being reported as an current debt, when the credit card was closed and written off in XXXX. 

I request your intervention under the Fair Credit Reporting Account of motivating Discover Financial Services to remove this incorrect information from my credit reports. 

Thank you in advance for your attention to my request. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

My bankruptcy was completed in XXXXXXXX XXXX XXXX  and Fed Loan Servicing is listed in my discharge paperwork I have contacted them dozens of times to close these accounts there are 14 of them and all of which have been XXXX. They were sent discharge paperwork from the courts as well as myself, since then Fed Loan Servicing sold my accounts to XXXX XXXX  who is trying to collect on a dismissed debt
Product: Debt collection

I was contacted around XX/XX/XXXX by phone and it was a representative from Professional Bureau of collections of Maryland. She told me there was a balance of {$340.00} on the  account and that i needed to pay right away or they would damage my credit by putting a collection notice on my account. 
I told her I had not received a letter or bill and I didn't have time to talk. 
I called back later that day and spoke with a man who was very rude and said the same thing threatening our credit report. 
I told him that i had not recieved a bill or letter and wasnt going to pay anything until i recieved it. He again threatened my credit and i told him i will wait for the notice. 
I recieved the Letter dated XX/XX/XXXX and the bill was {$340.00}. I pulled up the EOB from the insurance company that says I owe {$160.00} and that the insurance company had issued a check for {$180.00} on XX/XX/XXXX directly to the creditor. 
I then called the collection company and told them that I only owe the {$160.00} and had proof that the balance of {$180.00} had been paid by the insurance co. 
I sent the proof to XXXX and then he called me back and agreed thats all I owe so I paid them over the phone {$160.00}. 
Yesterday XX/XX/XXXX i recieved a notice on my credit report that there is a collection on my report from the same company. I called them and they said that i still owe the {$180.00} and they will not take the collection down until i pay it. My Insurance company has already Paid it!!!
Product: Debt collection

The Alleged Debt Is A Violation Of My Privacy in regards to my health which is a HIPPA violation.The Date is XX/XX/XXXX The Account Name Is LOCKHART, MORRIS & MONTGO the account number is XXXX Status collection account. {$1400.00} past due as of XX/XX/XXXX This Is A Debt that I do not owe I demand that it be removed from off the record.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I filed a CFPB complaint ( # XXXX ) regarding the reporting for XX/XX/XXXXXXXX XXXX 

I received a response stating that it would be updated to " current '' on my credit report when it reports in XXXX. Grain has reported for XX/XX/XXXX and it did not update the late payment for XX/XX/XXXXXXXX XXXX