23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Account in Dispute is XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' TransUnion and XXXX are consumer reporting agencies and I am the Consumer. 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 protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 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 is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e 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. TransUnion 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon trying to buy a home my credit had to be ran and I was made aware that there were bankruptcy reporting on my public records, I disputed the bankruptcy and the address to later find out my identity had been stolen where someone had put a house a wireless service in my name. I then filed a Identity Theft Report with the ( Federal Trade Commission but because XXXX, XXXX, Experian have given me such a hard time to remove this address and the inaccurate information from my public records. This is harming my credit and prohibiting me from buying my home by reporting inaccurate information. I also contacted the courts and they stated they do not provide information to Credit Bureaus or third party agencies. 
XXXX XXXX Ct XXXX XXXX
Product: Mortgage

Where to start.. 
XXXX XXXX XXXX, They told my insurance company during our loan process ( before conditional approval ) they were the lien holder, now I have an insurance check for XXXX with there name ( shellpoint ) I can't cash. Further more they have miss calculations on multiple occasions for DTI ratio and Escrow, and decided to only use my XXXXst quarter profit and loss, not my two year average. Also they have given false information about my XXXX loan multiple times. Management won't contact me back!
Product: Mortgage

On XX/XX/2021 I applied for a refinance mortgage with Watermark Home Loans. Aside from the initial contact stating they received my application, I didn't hear back from them and never received a loan estimate ( required to be sent within 3 business days ).
Product: Credit card or prepaid card

I have a apple credit card from Goldman Sachs. In XXXX I made a purchase from Apple.com using this card. In XXXX I returned the products and Apple refunded me in full amount. When I made the purchase, I have 3 % reward cash from the credit card. When I got the refund, Goldman Sachs took back the reward cash. 

Now I have a balance due on my card, whose amount is exactly the 3 % reward cash. I called the customer service asking why. The representative told me that the balance was the reward cash issued to me and I need to pay it. However, Goldman Sachs already took the reward cash back when I returned the products. They still asked me to pay for it. 

I made a purchase using the card, then got the reward cash. Several days later I made a return and got the refund. The credit card company took back the reward cash. Now they are asking me to pay for what they already took back. In other words, I made a purchase and then made a return, got nothing, but still need to pay for the reward which they took back. 

This is definitely not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I used cfpb to file a complaint to Trans Union to resolve issues on my consumer report to non avail. XXXX XXXX l continues to report on my consumer report. What method of verification was used to validate/verify and/or update this account? Several violations have been committed. I never gave written or oral consent for any information to be reported either. There is also no permissible purpose in reporting pursuant to 15 USC 1681. I am also a victim of identity theft and am attaching a copy of my identity theft report from the federal website ( www.identitytheft.gov ), along with my Drivers license. This report was not made in error, nor did i benefit from the opening of this account. Pursuant to 15 USC 1681c-2 this account must be blocked no later than XXXX business days of receipt of statement that this account is a result of identity theft, receipt of my Identification and your knowledge that this account is being report as identity theft.
Product: Debt collection

I am writing to formally dispute and request the correction of inaccurate information on my credit report pertaining to the XXXX XXXX XXXX account with the account number XXXX, opened on XX/XX/2018, and currently reflecting a balance of {$14000.00}. Contrary to the reported information, I was never late on payments for this account. I have been in communication with the bank regarding this matter, and they have acknowledged the inaccuracies in their reporting. The late dates associated with this account were erroneously attributed due to a family tragedy, which the bank has recognized as a valid reason for the oversight. In light of the circumstances surrounding this account, the bank has agreed to update the information accordingly. I kindly request that you investigate and correct my credit report to reflect the accurate and updated status of this account, with the removal of any late payment dates.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Product: Credit card or prepaid card

The card should show paid in full. XXXX balance. Showing fraudulent balance of XXXX. I have contacted them multiple times. First two times at XXXX billing office. XXXX XXXX XXXX XXXXXXXX XXXX, Texas. Today, XX/XX/2021. Contacted XXXX XXXX /wells fargo bank N.A XXXX XXXXProblems started after ordering cream from LA and GA XXXX stores.They didn't have the cream at XXXX XXXX XXXX.I 've had a XXXX credit card for many years. I always pay my balance in full every month by writing a check. I'm begining to think they are trying to take advantage of me. Because they know I'm XXXX years old. I just want them to stop harassing me. I have tried to truthfully explain everything to them. My husband said what they are doing to me is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in a forbearance on my mortgage and my mortgage lender has been reporting mortgage lates on my credit, I am protected by the CARES act so the mortgage company can not report any lates on the account due to the forbearance. I have never been late on my mortgage previously to the forbearance, I requested LoanCare mortgage to correct the issue and they keep transferring me around and stating that they didn't receive the request even though I received a confirmation on the submission of the request. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.     Navient refuses to correct the incorrect data supplied to all three credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
Product: Checking or savings account

Chase had some type of update to their online banking where I am not getting any alert for balances payment made and not allowing me to do transfer. I was charged three over draft fees around a months ago. I called they stated they cant fix it but they will fix it. Again yesterday same problem over draft benefit is not working so its not transferring money between the accounts and no alerts of bank transactions as I was assured now it is fixed. So I was charged another two fees. Last night I attempted to transfer money between my account it wouldnt let me. I called and was told that was fixed. So today I was charged another two over draft fees. I been charged XXXX in fees due to bank errors.
Product: Credit reporting or other personal consumer reports

Notice that a credit card from XXXX XXXX XXXX XXXXXXXX on my report that i did not authorize to use and not acquired. I have contacted the creditor which they did their investigation and the result that this XXXX credit card ending in XXXX is a result of fraud. I have attached the document to this complaint along with my ID.
Product: Debt collection

I move from XXXX XXXX XXXX to XXXX, I phone XXXX   to move my service they talked me into XXXX XXXX they opened the ticket to have a tech to come and set up service a month after I moved. in the mean time what i was tols was my last bill with XXXX was paid and I waited for my serivce visit for XXXX XXXX. The tech came looked around asked me a few questions and said sorry I can't do anything there is a tree in the way the dish won't get service. So he said he canceling my service ticket and I would have to call XXXX to get my service started. I was upset about the horrible service that I received my sister in-law who lives with me called and had comcast come out and provide us with servie and we have had that service for the last 4 years. I never heard a word from XXXX XXXX until i started to build my credit so I can buy my car. Then I seen on my credit report that I have an outstanding bill for XXXX XXXX when i asked for copies of the statements or evidice of my dispute. they won't provide me with any information they just say they have proof. why should I pay for an employees mistake and not properly taking care of the close of my account or not providing me with proper information on my account. why wouldn't they follow up and see that I have never turned on a box or the fact my service request was cancelled. where is there dudligence. this not the first I have heard of the poor service by XXXX. my fiance wasn't getting service for over a year and paid her bill and XXXX didn't even bother to address her wasted money or try and offer her a discount. they brushed it under the rug and accepted no resposiblitiy just as they are once again. They need to stop outsourcing their call centers to the XXXX so that there American clients can get their issues resolved or is that part of their whole fat cat plan. cause confusion and get the consumer in the end with faulty informaition, errors, language barriers, frustration, and deniablity.
Product: Debt collection

I am submitting this claim in reference to Case No : XXXX, a case I opened against CMRE Financial Services. This debt collection agency is in defiance of the law. In their response to my initial compliant, they stated that they would be placing my file with them in dispute. However, after that statement, I received an offer to settle the account at about 75 % of the amount posted by the provider of service. I called them to explain to them that what they were doing was against the law. I also again requested that they remove the negative information from my credit profile. Their rep was so RUDE! She said that XXXX on two different occasions the in XX/XX/2016 denied payment of my claims. The funny thing is the claims were sent approx. 7 days a part. XXXX is denying that the provider was told that I was not insured. I explained that to her and told her simply the provider just needs to file the claim again for payment. She told me there would not be any other attempt to collect from the insurance company, and that if I wanted the debt settled, I would have to pay the settlement offer. This is a gross violation of the law! She hung up in my face. I called back and asked for a supervisor. I was transferred to a voicemail. However, the system would not accept the message i was trying to leave. I am requesting the the CFPB sanctions CMRE for this nefarious attempt to gain payment by holding my credit hostage. They are not trying to collect a payment from the insurance company or relay pertinent information to their client. They are only interest in increasing their bottom line. It makes one wonder to whom else they are trying to hold hostage in this manner. I want CMRE to delete the negative information they slammed on my credit report. They have already admitted not speaking to me. This is fraud! Pure fraud and nothing else! I am thanking you in advance for your assistance.
Product: Credit card or prepaid card

On XX/XX/2018 my JC Penny credit card bill was published on their website. I paid the bill immediately. Then I go on line today XX/XX/2018 and I see that I still have a payment due. So I called JC Penny and the service rep clearly saw that my payment was made on XX/XX/2018 but blamed me for making my payment the day the bill came out. The agent for JC Penny could not adjust the payment to reflect the correct payment cycle and told me to make another payment. If I had not looked on their website today the payment would have been late tomorrow.

What I don't understand is that if JC Penny publishes my bill on line on XX/XX/XXXX then why can I pay it on XX/XX/XXXX? How can it be " my fault '' for paying my bill on the day the bill is published? I closed the account with them and this is not my fault for paying my bills on time,
Product: Mortgage

Briefly-2 issues 1 When we bought our house in XXXX Countrywide gave us a bait and switch that we fell for - they split the loan in two, the smaller portion was an interest only balloon loan- Bank of America took over our loan when Countrywde failed - this smaller portion of our mortgage has been coded by BoA as an equity loan - it was never an equity loan - but b/c of that designation as an equity loan they repeatedly rejected our eligibility for a modification - even though we were approved for a mod for the bigger loan following the great recession of XXXX when we lost our jobs XXXX It took BoA 5 and a half years to conclude that the only solution they will offer us is a capitalization program at 10 % which includes all back interest and fees that built up while our application was being delayed. Delayed for months and now years due to their negligence. For example, we received documents from BoA with erroneous information that must have been from someone else 's account. 

Since this 2nd mortgage was purchased at the same time as the 1st mortgage we desire that it be modified exactly the same as the 1st. We requested this at the very beginning but they told us to wait
Product: Student loan

Hello my name is XXXX XXXX I have been re-paying my student loans since I left college in XXXX. I worked for a nonprofit for eight years for the first three years I was not told about the public service loan forgiveness program and in fact I found out about it in by chance of course none of my previous payments were going to work even though I was working at a nonprofit and making payments so I had to go on a special loan program and started making payments towards the public service loan forgiveness. Then at some point Fed loan consolidated my loans I can not tell you why because there seems to be literally no advantage to myself for that ... But at that point it started by public service loan forgiveness program over again I was never made aware of this I have made several complaints about this up the chain at fedloan. Theres no reason why I who have been making payments on a public service loan forgiveness plan would want to jeopardize that I was never told us it was completely missed managed and once it was done it was unable to be fixed. This happened when I started my new job which was also a government non profit in XXXX. I have asked Fed loan to provide me with a recorded conversation in which I was made aware of the terms of the consolidation and its effect on on my pslf or a that I even agreed to consolidation and nothing was ever provided to me. I was always sent to someone specific to the PSLF program for guidance and they should have been aware and made me aware of this. To make things worse after getting married in XXXX I was now having to provide my husbands income only to find out that I now no longer qualify for the PSLF because I make too much money at that point I had been working at nonprofits for eight years.I was not sure where to go with this information or how to file a complaint if anything can be done but I do believe that my situation is unique that I have been completely missed lead and then its unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment listed on my credit report with XXXX XXXX on my Experian credit report. I disputed this late fee, as it was for the last month of my lease, and was supposed to have been rolled into my final payoff amount ( which I paid promptly ). My dispute results came back as " updated '' but still show the inaccurate late fee. It now also shows additional inaccurate information. My lease was paid off in XXXX of XXXX, but it now shows regular payments being made ( on time ) on that account until XXXX of XXXX. The {$0.00} balance is accurate, but the late fee was not removed, and is still showing on my credit report ( but was changed from XX/XX/XXXX to XXXX of XXXX. I have not had a late payment on any account in almost 10 years, and am trying to protect my credit score. This inaccurate reporting is very frustrating, and the dispute service is not  satisfactory at all.
Product: Credit reporting or other personal consumer reports

I would like the dates corrected my accounts corrected my bankruptcy corrected my inquiries corrected my address corrected my credit score corrected.
Product: Credit card or prepaid card

Please note that I entered a agreement with Wells Fargo Bank Cash Back Signature Card.in XX/XX/XXXX 1year 6 months ago regarding a credit card visa ending in XXXX which is now closed in the amount of {$120.00} per month. I have paid consistently even in the month of XX/XX/XXXX. I noticed today TuesdayXX/XX/2017 that I did not receive my XX/XX/XXXX statement. I went to the Wells Fargo Bank branch located at XXXX XXXX XXXX, XXXX, CA XXXX   XX/XX/XXXX I spoke with the Wells Fargo Bank teller XXXX of Wells Fargo Bank told me that my bill for the month of XXXX was {$280.00} instead of {$120.00}. I told XXXX that my monthly bill is {$120.00} per months he advised me to contact the credit department
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted dispute to Experian Credit report XXXX, XXXX weeks later no conclusion? 
their report has wrong information on a XXXX XXXX XXXX credit card account from XXXX XXXX both XXXX and XXXX have the same account closed in XXXX XXXX. here in Oklahoma, debt based on written contracts have a limitation period of 5 years ( O.S. 95 ( 1 ) ), while oral contracts may only be collected upon for up to 3 years ( O.S. 95 ( 2 ) ). Attachment, or the legal seizure of property or a person, has a statute of limitation of 5 years ( O.S. 95 ( 5 ) ).

this account is reaching 7.5 years old 2.5 years past the prescriptive date of the legal limitations?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I file an FTC identity fraud report for a company name XXXX XXXX XXXX, who said they were acting on behalf of XXXX, and Ii never have an account with XXXX and I kept disputing the account and nothing was ever being done for 6 years of disputing this item on my credit report with the account number XXXX. 
On XX/XX/2021, TransUnion and XXXX deleted the account from my credit report after the new investigation. 
On XX/XX/2021, I check my credit file for any inaccuracies and unauthorized inquiries I find the same account appeared on my credit report again for the same amount of {$1100.00} under a different collection name XXXX XXXX XXXX. 

Additionally, another account that I paid and original creditor XXXX XXXX XXXX of XXXX removed the file on my credit report appeared again under the same XXXX / XXXX XXXX XXXX account # XXXX which was the collection company I paid back in XX/XX/2021. 
I need an investigation into these two company that are trying to defrauding me.