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

On XX/XX/2021, I disputed AFNI, INC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX as the original creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted XXXX and on XX/XX/2021 I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted AFNI, INC via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, AFNI, INC is still being furnished on my consumer report via XXXX. I, XXXX XXXX XXXX, never gave AFNI, INC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Product: Mortgage

issue-1 Our loan was sold to Green Tree/Ditech in XXXX 2015. In the transfer, somehow, the monthly amount that we were to pay was reduced to an number that did n't replenish our escrow account. Ditech never notified us, and just recently sent us an " account evaluation '' showing that we are in the negative with our escrow, and raised our monthly payment by almost {$500.00} to start immediately. I contacted them on XXXX XXXX, filled out the online form to cancel our escrow account, and followed up with a letter, sent to the address their rep gave me. I got an email saying that they would review this and get back to me within 10 days. It 's been a month and no word. Our payment would be late on XX/XX/XXXX, so I emailed them in advance and let them know that I 've cancelled our escrow account, and would only be paying the principle and interest, then made that payment on time. Now, they took that money and put it into a " suspended account '', and charged me a late fee, as if I did n't pay at all. 

Issue 2- When we were first sold to Ditech , we only had the option to " XXXX '' or auto withdrawal every month. I choose auto withdrawal. Four months later, I get a notice of default, because somehow, they deducted less than the full amount of our payment, never notified me, charged a late fee, reported it to the credit bureau. I contacted my bank, and they have no idea why that would have happened. I paid the full amount due, and appealed to Ditech to waive the late fee and not report it to credit. They promised a written response within 30 days.75 days later, they denied XXXX requests. Meanwhile, I have paid the late fee XXXX times, and it is STILL showing on my statements. I believe that they have been taking that fee and applying it to the escrow shortage, but, again, never informing me. 

So, now I have a total of {$7000.00} and change due on XX/XX/XXXX. They have failed to cancel the escrow and are still charging for that plus XXXX late fees. I fully expect them to put me into default again soon.
Product: Money transfer, virtual currency, or money service

Wells Fargo staff is v disrespectful not helping at all no idea where to go
Product: Debt collection

There are two derogatory collection accounts listed on my XXXX credit report from Midland Credit Management Inc. Both are dated XX/XX/year> but have different amounts. One is for {$770.00} and the other is for {$870.00}. I've never heard of this company and have never requested a line of credit from them. On the credit report, it says they are the original creditor. I want them to remove themselves from my credit reports immediately as it's severely impacting my scores.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Auto Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New XXXX XXXX XXXX   Auto Financing XX/XX/2023 XXXXXXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX  Auto Financing XXXX XXXX XXXXXXXXXXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 
1681 section 604 ( a ) section 2 states 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 and the consumer Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent Equifax whether it be non-verbal, verbal, written, implied or otherwise revoked. 
15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. 
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 1681 ( b ) of this title. Equifax and XXXX are not maintaining 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 '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer
reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX are consumer reporting agencies and I am the consumer.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the paperwork? Some of the accounts listed exhibit inaccuracies in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX XXXX # XXXX and XXXX, XXXX CREDIT # XXXX XXXX I.C. SYSTEM, INC # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

The TJX XXXXXXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX., XXXX, MA XXXX Dear sir, I would like to mention on one purchase, which must have been on transaction XX/XX/XXXX of XXXX ( reference # XXXX ). I purchased a Himalayan salt lamp, shaped as moon, which was so cute. I believed it was {$7.00}, but it was not clear because I lost the receipt. I wanted to get it for one year. I saw it when I was started to be tormented by the sound. I believe it was {$3.00} at that time. Anyway, I loved it, and I bought it this time. However, it did not light up ; therefore, my husband tried to fix in vain. So, I put another one, seemed like a XXXX tree light inside and made cheerful after the unfruitful effort of my husband. I just want to report it, because I strongly believe it is the responsibility to offer the product which is the usable. Anyway, the store should check the package of plastic. It was easy to break as if indicating it was old. I prefer to keep this lovely moon shaped mini lamp by myself, so I do not return it. Anyway, I broke the electrical part or wire by myself after the effort of my husband ; therefore, it was clear I could not return it. 

There is one concern on website account from last month. It says the current balance is {$360.00}, even though I paid back full to your company this month. Therefore, I believe I do not owe so much money to your company ; even though I am not sure your company might have your own calculation system online. But I prefer your company will have more customer friendly system, which we can check how much we own to you and can control ourselves on our weakness of desire to purchase our favorite things. 

I am still waiting the answer on my unusable reward certificates ( certificate # XXXX, XXXX ). I strongly wish your company will make the certificates usable. 

Sincerely,
Product: Credit card or prepaid card

My wife applied and was approved for an Amex card via a referral link that I generated through the Amex site. I should have received around XXXX points as a result of the referral but haven't received them, despite the fact that the referral was made in XXXX. I've escalated this issue to their customer support / care departments but haven't heard back since my last inquiry. Previously they claimed that the reason the points weren't awarded was that my wife applied directly as opposed to using my link ( this is not true ). I believe a technical issue with their referral system is at fault.
Product: Credit card

I purchased a skin cream over the telephone-I received the product then the invoice on my XXXX Master Card-the next month I received the product again along with the bill-I called the XXXX and told them that I never ordered a XXXX order-I told them to not charge my CC any more-they continued to every month after they said they would not-I called the credit card co and explained that this was not an authorized charge-they said they would look in to it but could not prevent further charges-I said if that is the case cancel my card-they said they would but allowed more charges 3 months later-I even paid 1 month charges of product I did not receive just to get rid of the credit card-now they keep sending me statements with late fees and interest and are affecting my credit rating-can something be done about this.
Product: Credit card or prepaid card

XX/XX/XXXX Elan Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX To Whom it May Concern at Elan Financial, This letter is to dispute your company reporting me to credit services for late payment as I was not at fault. I have also attached a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the bank through which I have the credit card, supporting my good standing as a customer since XXXX. I have had a credit score of above/around 800 for sometime now and am furious that an error on the part of Elan financial has resulted in my score being lowered significantly especially as I would like to purchase a new home soon. 

XXXX XXXX XXXX XXXX switched to using your company to service their credit cards sometime around XX/XX/XXXX. Since then I have had a plethora of challenges with the credit card which include not receiving my new credit card for months, the new credit card I received not working, payment not going through to Elan financial from XXXX bank, Elan financial having my incorrect address, etc. I have a new baby, mother with XXXX health and  returned to work from XXXX  leave at the end of XXXX so having to add calling Elan financial on account of errors of Elan financial to my list of things to do has caused me additional stress. 

I have been with XXXX since XXXX using them as my main bank account, for various car loans, refinancing a mortgage and my credit card. I have never had an issue with any services from XXXX until they partnered with Elan financial for their credit cards. When I called XXXX multiple times to express my concerns about Elan financial they confirmed they were receiving multiple complaints from customers since partnering with Elan financial. 

As your records indicate, I called Elan Financial on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for various issues such as not receiving my card, your company not recording the correct mailing address for me, payment from MITFCU not sending to Elan Financial ( when Ive never had an issue with any payments from XXXX going to any other company ), etc. I called on XX/XX/XXXX to speak to someone at Elan Financial about the late payment fee. She told me it would be removed, there would be no reporting to credit agencies and that there was an agreement between XXXX and Elan Financial that there would be no late fees charged and not reporting to credit bureaus during the 90 day conversion. This agreement on no late fees or credit bureau reporting is also referenced in the attached letter from XXXX. 

When I noticed my credit score drop I immediately contacted Elan financial on XX/XX/XXXX at XXXX. I spoke with a person named XXXX who said I could only mail ( not fax or email XXXX my dispute request to the address listed at the top of this letter. I expect this to be resolved immediately by Elan financial contacting the credit bureaus to remove this error that has resulted in significantly lowering my scores so I do not need to take further action. My contact information is below should you need to reach me.
Product: Debt or credit management

Hired XXXX XXXX XXXX to handle debt settlement... Was told and directed that the company was changing names to the Law firm of XXXX Williams LLC new login created.. 

New company has ignored contractual obligations and ignored repeated requests bia phone and written emails to directly make sure A lawsuit filed by a debt collector was not handled appropriately ... or made a priority Before the TRO frose related companies assets XXXX Williams llc is apparently the receiver of these accounts however They are mishandling MY account and doing so in manners against my direct written and verbal communications and i have recorded conversations as well ... Wishes to negotiate debt settlements in the terms of written authorizations which i have expressly requested must be done in confirmation in email. however their back of the house team is now approving settlements without my authorization against the terms of my contract.
Product: Credit reporting or other personal consumer reports

This morning XXXX XXXX XXXXXX/XX/year> ) I have spent about an hour trying to access the Transunion website. It has worked in the past because I set a security freeze last month. None of the Transunion links work today, as it does not recognize my login credentials. I have a hard save on my credentials in the browser to my password so my user id ( email address ) have not changed. I finally decided to call them and their automation via phone sent a link to my phone text to " chat '' with an agent. The link does not work. When I tried to update my password, the code they say they sent me never arrived. Is Transunion still a valid company? I will keep trying because I was a victim of identity theft last month and I have been getting nuisance texts and phone calls regarding loans that i have not applied for. I routinely set a freeze on all of my accounts. XXXX and XXXX were easy to access and I did not see anything untoward on my credit reports from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting a complaint of behalf of MYSELF. 
This complaint in response to a dispute submitted on XX/XX/XXXX ( Report Number : XXXX ) which is attached along with a plethora of other documentation. I was notified on XX/XX/XXXX that the account was verified. My Experian was updated on ( XX/XX/XXXX ) with 54 charge-offs reported and a high balance of XXXX that was charged off. The past due balance shows {$7200.00} and the last activity shows XX/XX/XXXX. I called Experian the same day and spent over an hour on the phone with Experian representatives NONE of them could answer my questions and I was repeatedly hung up on or transferred to someone whose only response was to file another dispute. Even after disputing this account as inaccurate XXXX XXXX continues to report different information to each bureau for the SAME account! My XXXX was updated ( XX/XX/XXXX ) that the high balance on the account is XXXX. The last activity for XXXX  is showing XX/XX/XXXX. The account was deleted from my XXXX  account in XXXX. 
It is illegal for a credit bureau to report information that has not been properly verified and Experian has not done their due diligence in verifying this account. I am attaching screenshots that XXXX XXXX is blatantly reporting inaccurate information to the credit bureaus which is ILLEGAL. Their actions have caused my score to drop XXXX points and has put my mortgage approval in jeopardy. 
I am requesting that XXXX XXXX expeditiously remove this inaccurate information from my credit reports IMMEDIATELY. I am XXXX XXXX XXXX and clearance requires that I accurately report any debt or delinquencies. This information changes so much which makes this requirement impossible. Both of the companies have continuously violated my rights under FCRA.
Product: Money transfer, virtual currency, or money service

They never had a live agent for emergencies or discrepancies dealing with my account. 
There chat app makes you wait days and its just a robot. No one to call just robots for so longggggg. 
Scams and hacks stops your account or shuts down the whole entire cash app where you cant access your money, they just take your information like they just want to use it for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open a XXXX and XXXX  accounts in my name. And experian let someone pay for a monthly subscription in my name with my information. There are phone numbers and addresses I have never had.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My name is XXXX XXXX XXXX XXXX and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : XXXXXXXX XXXX : opened on XX/XX/202XXXX XXXX XXXX XXXX : opened on XX/XX/2022 Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After applying for a HELOC with Huntington Bank, an appraisal was ordered.The appraisal was grossly inaccurate and subsequently I was not given the full amount I asked for when applying for the line of credit. After learning of the large error of square footage of this home, I informed the bank manager who did absolutely nothing to correct this error. 
Add to this, many retaliatory issues from this bank after moving my XXXX from Huntington Bank ; all of which will be dealt with through the proper channels.
Product: Checking or savings account

Based on information provided by the Consumer Financial Protection Bureau 's website regarding how to stop automatic debit payments from my account ( https : //www.consumerfinance.gov/ask-cfpb/how-do-i-stop-automatic-payments-from-my-bank-account-en-XXXX/ ), I contacted JP Morgan Chase XXXX XX/XX/22 XXXX XXXXXXXXXXXX XXXX and asked them to stop allowing 7 specific monthly recurring debit transactions totaling {$200.00} from my checking account. Both a customer service representative and then a supervisor told me no, that in order to do that they would have to issue an entirely new debit card with a new debit card number in order to stop the automatic payments from recurring. I said no, that's not what the government site says about the policy, which includes 2 ways to do this through my bank : - Call and write your bank or credit union. Tell your bank that you have " revoked authorization '' for the company to take automatic payments from your account. Some banks and credit unions may offer you an online form. 
- Give your bank a " stop payment order. '' Even if you have not revoked your authorization with the company, you can stop an automatic payment from being charged to your account by giving your bank a " stop payment order. '' This instructs your bank to stop allowing the company to take payments from your account. 

I then explained to my bank how getting a new card number would be a big inconvenience to me because there are other transactions that occur regularly on my current debit card that I want to keep such as utilities and so forth. I said the government 's policy exists to protect consumers because canceling recurring automatic debit transactions shouldn't be an inconvenience, especially when I'm requesting 1 of 3 ways the US government 's website specifically says I can do this. I informed the supervisor of the CFPB page that I was referring to and his response was this was how Chase handles requests to cancel recurring automatic debit payments. I said then I'll be filing a complaint with the CFPB about Chase 's policy, which is not in line with the US government 's. Chase bank 's response was that this is the bank 's policy and if I don't like it I can file the CFPB complaint or take my banking elsewhere.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.