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

I am a new employee   at XXXX XXXX XXXX. I applied for a store credit card on XX/XX/19 so that I can enjoy my employee discount. Several days went by and I had not received the new credit card. XXXX advised that I wait until I received a letter. I received a letter yesterday ( XXXX ) saying that XXXX XXXX  who issues XXXX 's credit cards could not grant me credit based on information they had received from a consumer reporting agency. The agency reported that I was deceased. Ironically I have four existing accounts with XXXX XXXX   from other retailers. The consumer reporting agency that inaccurately reported this information is Sagestream LLC, XXXX XXXX XXXX XXXX XXXX, CA XXXX. Their phone number is XXXX. Unfortunately there is no option to speak to a representative. The system just asks for you to leave your information and they will call you back. They have not responded to me. They were in fact in my correct credit file, as I can see the hard inquiry in XXXX XXXX and got an alert when they made the inquiry from XXXX. Their reviews on the internet are very concerning. They should probably be investigated. Thank you for your help, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX mailed me a letter alleging a debt, dated XX/XX/XXXX. I then sent a certified letter requesting VALIDATION of the alleged bebt, dated XX/XX/XXXX. 

On XX/XX/XXXX, I recieved a letter from XXXX XXXX XXXX that failed to provide proof that the alleged debt was mine ( enclosed ). They just sent a list of charges with my first and last name on it. The address, email, and everything on their letter does not identify me.
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. 

XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect address on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

I want to present a complaint against Fifth Third Bank. They have unfair consumer practices. In XX/XX/2021 Fifth Third risen my mortage payment from {$2500.00} to {$3700.00}. I've risen the concern since XXXX ( E-mail attached ) that this monthly payment is a hardship for me and requested support from the Bank with no response as of today. I have requested to remove a PMI insurance they have on my Mortgage of around XXXX on a monthly basis. I am already paying {$3700.00} for my mortgage and between the Taxes and the PMI, the Escrow of this mortgage ascends to {$1700.00} monthly on top of my principal and interest. I have escalated the case to remove the PMI, as the current loan represents only a 56 % of the property current value and offered to pay for this appraisal to get this PMI removed. And having not missed any payments on, y loan in addition of having a good credit score. With only a waiting response from the bank ( e-mail from XX/XX/XXXX attached ) when I need to continue paying and paying month over month and nobody cares about me as a consumer. 

Please help me alleviate this situation, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several unauthorized credit inquiry 's on my Equifax credit report. I have contacted the companies involved multiple times and they have still not been removed. The unauthorized inquiry 's are below. 

DATE COMPANY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Perkins loan with XXXX XXXX  which I am currently paying. I have a late payment report for the month of XX/XX/2020 on my report which is not supposed to be there. There was computer glitch on the web of XXXX on the XXXX which made it a problem submitting payment. I didn't have the chance to try again on the XXXX due to the nature of my job. I am a XXXX XXXX XXXX in one of the hardest hit XXXX in pandemic crisis. I basically could not go home but been sleeping in XXXX arranged accommodation to protect my family because I am an exposed person to this virus due to my XXXX XXXX. 
I did not think it is fair, rational or empathetic for XXXX to be reporting late payment at this crucial time. I want the late payment to be reversed since the required payment has been made. 
I am not asking for too much, I am giving my best in this fight against covid-19
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX & XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX  Account # XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting or other personal consumer reports

In XXXX i took out a construction mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX branch in XXXX of XXXX i longterm financed the home with XXXX XXXX XXXX ok. However i did not pay off the complete amount of construction. 5 years later in XXXX i had made no payments to XXXX XXXX XXXX, and the finally wanted to get the additional overage into a fixed finance there was a change of main bankers in company. So we get yhe amount rolled into financing. I lost my job later part of XXXX and foreclosure happened from XXXX. However XXXX XXXX XXXX and XXXX purchased the loan from XXXX and sold the home in which XXXX made profit. However they continue to report deroggatory info on my bureaus, and it is imcomplete. They show im making payments and the amount is not decreasing but all bureaus show i havent made payment since XXXX. I have taken steps with now XXXX XXXX XXXX and was told they will fix everything when i pay off the interest owed of {$17000.00}. I.dont belueve i owe them anything because they bought the loan sold property and made profit. Shows i paid off the loan of {$500000.00} but still shows i owe little over {$17000.00}. I need this cleaned up with experian XXXX and XXXX and to stop reporting. I have no documents agreeing to pay this new loan number they made up. The credit bureaus just tell me information is verified and i get nothing rhey arent getting the full story
Product: Debt collection

XXXX XXXX - The Law Office of XXXX XXXX XXXX agreed on a settlement arrangement on XX/XX/XXXX. 

The Balance at the time was {$7400.00} and settled for {$2900.00} in payments. First payment due date was XX/XX/XXXX and the final payment due date was for XX/XX/XXXX. All payments were sent through regular mail and all were cleared/cashed by Wells Fargo XXXX However, the account is still reflecting as past due and delinquent even though it should be reporting as a {$0.00} balance and paid for less than the full balance. 

We've tried to clear this up with Wells Fargo but we had no success in resolving this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Is violating my consumer right Md Judicial courts and judicial P.5-1202 : A creditor or credit may not initiate a consumer debt collection after the expert expiration of statute of limitations, applicable to the consumer debt collection action. 12CFR10006.34 ( b ) ( 5 ) XXXX XXXX XXXX XXXX is still placing this collection on my report.

15 USC1681 Permissible purposes.

15 USC 1681 a ,15 USC ( e ) ( b ), 15 US 1681b XXXX XXXX XXXX is fine all of those rights. 

The owner is incorrect on this inquiry. The date of last activity is incorrect. The terms is incorrect. The incorrect date is incorrect. The responsibility is incorrect.
Product: Credit reporting

XXXX fraudulently reported a foreclosure for a XXXX mortgage that never existed. I never received notification of any kind on this account. I never took this loan with XXXX. XXXX has not produced actual signed papers proving that I took this loan. Unfortunately I have no supporting documents because there are none. I am a XXXX Veteran and was suffering from XXXX at the time I took my {$140000.00} mortgage. All of the problems with XXXX were originally caused by my need for a XXXX XXXX. XXXX abused their authority by fraudulently promising a mortgage modification and dragging the results out for three years. The end result is a predatory loan that was originally {$140000.00} and is now {$160000.00} and is {$100000.00} underwater. My modified loan is 24 years at 3.75 % and at the end of 24 years I get to make a balloon payment of {$100000.00}. I paid a lawyer {$5000.00} to represent me in this modification. Any reasonable person would never deal with XXXX if they knew the rules and procedures XXXX employees have to follow. XXXX is responsible for ruining at least seven years of my life. I am now XXXX and I can not afford to have this financial predator to continue to abuse me. I think it is a shame that the credit bureaus are allowed to keep derogatory reports for seven years. People do n't do seven years for XXXX in this country. If it were three years I think the economy would blossom. Also at the time of my modification XXXX promised to remove all the late payments that they were responsible for. I was told not to pay because my modification was on the horizon.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the erroneous accounts reported on my credit report : WF CRD SVC - Acct. No. XXXX
Product: Checking or savings account

On XX/XX/2022 at XXXX received missed call from USAA On XX/XX/2022 at XXXX returned call to USAA operator informed me that USAA was closing my account due to an event occurred 6 months prior. I had no problem with terminating business with USAA. 
Afterwards I tried to move my founds to my other Financial Institution and I wasn't even able to log in to my account. 
On XX/XX/2022 at XXXX called back to USAA and talked to XXXX XXXX ( XXXX at XXXX Department ). I told her USAA closed my account and illegally withhold my founds including my XXXX Pay that I need for my monthly bills. She informed me I would received a check within " '' ' '' '60 DAYS!!!!!!!! ' '' '' and that they wouldn't change their mind or was anything else she could do to help me access MY MONEY, then she proceed to hang up on me. 
As I already said I am completely fine terminating my XXXX years with USAA but I am not ok with USAA withholding my founds without previous warning or opportunity to move my founds and putting my credit and whole financial situation in jeopardy. I do not have any overdrafts or delinquencies to justify holding my money and it is illegal to appropriate my founds and play with them for 60 days. I need my bills paid now and that is my money.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of my consumer report by XXXX, XXXX, and TransUnion. I have previously submitted a complaint to the Federal Trade Commission ( FTC ) about this matter, but I am now seeking further assistance from the CFPB. 

On XX/XX/year>, I sent a letter to XXXX requesting an investigation into several accounts listed on my credit report that I believe are inaccurate and harmful. Despite this request, I have received no response as of today, and the inaccurate information remains on my report. Since sending this letter, I have not received any response or resolution from XXXX, XXXX, or TransUnion, and my consumer report continues to bear inaccurate and harmful information. This lack of response and correction violates my rights under the Fair Credit Reporting Act. 

I request the CFPB 's assistance in addressing this issue and ensuring that the inaccurate information is removed from my consumer report promptly. Your prompt attention to this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that the credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the Equifax, XXXX, and XXXX has not replied to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts : XXXX  XXXX Balance Owed : {$3900.00} ; XXXX  XXXX Balance Owed : {$4600.00} ; XXXX  XXXX Balance Owed : {$3300.00} ; XXXX  XXXX Balance Owed : {$0.00}, as I believe these are reporting in error. I request an investigation and verification of these accounts to appear accurate information on my XXXX XXXX.
Product: Checking or savings account

Somehow my banking institution, Bank of America continues to overlap my bank accounts with another woman by the same name in another state. this issue began in XXXX and for a while was resolved, but has once again popped up as an issue with two withdrawls from my checking account or scheduled bill payments to her credit cards. On XX/XX/XXXX I noticed a payment of {$500.00} and re-occurring payments in larger amounts scheduled to be withdrawn from my checking account which I was able to cancel, called the bank and went through the fraud dept. to get my {$500.00} back, reset all of my online banking credentials etc. allegedly to prevent this from happening again. Then on XX/XX/XXXX I noticed a payment was made in the amount of {$3000.00} from my checking account to my credit card which I did not authorize, I was put through a call tree to inevitably have to wait for the payment to post and then call my credit card ( also under Bank of America ) to reverse the payment. When the funds became available on XX/XX/XXXX the NEXT XXXX XX/XX/XXXX the funds were once again removed and now made as a {$3000.00} payment to this strangers credit card ( again, also Bank of America ). On XX/XX/XXXX I noticed the funds were once again removed and I spent hours trying to make a fraud claim only to be told that it will take up to 10 business days to get my {$3000.00} back in my account. I have a mortgage payment due in less than XXXX hours ( XX/XX/XXXX ), if I do not make my payment on time I will be subject to pay back a XXXX XXXX to the state of CA I was awarded in exchange for XXXX of on-time mortgage payments. I have called and spent hours of my life trying to get Bank of America to resolve this issue and to stop negligently giving this other person access to my bank accounts. I have given all of this information over and over again to their service dept. with absolutely no help to get action made to correct their negligence in a way that is not detrimental to my life.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in regards to recent and relevant CFPB lawsuit highlighting significant issues with the platform. DESPITE using zelle numerous times and reporting discrepancies, my financial institution and Zelle FAILED to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unnecessary. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. THIS LACK OF ACCOUNTABILITY AND TRANSPARENCY is UNACCEPTABLE and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit report from XXXX, Transunion, XXXX and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit report. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, Transunion, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. also they are reporting names and addresses medical collection without following the HIPAA rules and regulations so please look into the companies it is not right for the credit bureau to report information that does not belong to you for the purpose of making money.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and experian are I major violation for not providing me notice of dispute for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX XXXX XXXX accounts XXXX XXXX XXXX experian and XXXX have violated FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information toconsumer reporting agencies [ 15 U.S.C. $ 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by anyperson to any consumer reporting agency is disputed tosuch person by a consumer, the person may not furnish theinformation to any consumer reporting agency withoutnotice that such information is disputed by the consumer. 

XXXX, XXXX and experian will need to provide proof that they gave me notice of dispute for all accounts I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX