23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Mortgage

There were two major errors in servicing my loan. First error occured when my loan was modified about three years ago. I was left behind when the loan was not properly reconciled after the modification became complete. Then my loan was transferred to Bayview. They billed me incorrectly and then admitted they made a mistake. I have been fighting them now for a full three years trying to get them to correct their errors. They several times sent me back letters claiming they did not make an error. I hired an attorney to help me audit my loan and they found errors. After paying an attorney for over a year now, Bayview admits they made an error and they have now corrected their errors. They however, have not corrected the bad credit rating they gave me over the past 3 years. They stopped accepting payments from me many times due to these errors. They also took monies from Keep Your Home California in XX/XX/2001 and did not apply those funds until about two years later. Now my attorney has asked them for assistance in bringing my loan current and they will not call my attorney back. This game they play is not only unfair and is forcing me into foreclosure, but according to my attorney is illegal. RESPA Regulation X requires my servicer NOT to evade my requests for assistance. Bayview has evaded now for almost three years.
Product: Checking or savings account

XX/XX/XXXX - Opened Capital One small business banking account and savings account ( company : XXXX XXXX XXXX ) XX/XX/XXXX - XXXX - Funded accounts with {$400000.00} XX/XX/XXXX - Discovered that all accounts and funds were blocked. Spoke to a number of representatives to release the funds, but with no resolution. 
XX/XX/XXXX - Managed to get a reference number and email address from representative. Send the requested documents ( proof of address ) however was informed by email response that it will take up to 90 business days to review. 

The funds that they have frozen constitute the entirety of my company 's cash assets, and we have not been able to pay staff or vendors for over two weeks. We can not wait up to 90 business days for a resolution- this is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my

Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report
and other furnished Lexis Nexis, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need Lexis Nexis,  XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. account that was charged off is not my account. already removed from XXXX  and XXXX. 
XXXX  for {$3600.00} is not mine XXXX XXXX  XXXX {$1900.00} not mine
Product: Credit reporting or other personal consumer reports

Curacao kept my account open for negative credit reporting. Even after I had paid the account off in full. during covid i had ordered a cell phone which i returned late due to my product was sent to the wrong address. I explained to them what happen and then they closed the account so that I could not use the credit card. However I just found out that they continued to keep the account active for only negative reporting. Even after I paid it off completely.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus XXXX  AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

U.S. Bank has sent me an Adverse Notice, when requesting a replacement card with a new set of numbers likely violating regulation Z
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has not deleted this inaccurate account it is violating 15 U.S. Code 1681b - permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud!!!!!! 

XXXX AXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally entered into a FHA loan with PNC Bank along with my son for a mortgage but there were financial problems so a loan modification was granted by PNC. I chose not to participate in the loan modification with PNC Bank but my son entered into an agreement for a loan modification with PNC alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from PNC as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted Equifax a few weeks ago letting them know that I had been a victim of identity theft and they refused to remove these inquires. I am contacting them again with the information they requested to have the remaining things deleted.
Product: Debt collection

Choice Recovery INC balance {$42.00} opened XX/XX/201XXXX XXXX
Product: Mortgage

In XXXX of 2023 my husband received notification from the State of Maryland that he no longer owed property taxes due too his veteran status. XXXX! I immediately sent the official document from the State of Maryland and the Tax office showing the taxes were eliminated to my mortgage company ( NewRez ). I have documentation of my request for them to replace the corrected tax bill and lower my escrow payment and therefore my overall mortgage payment. 

In XXXX of 2023 NewRez paid the partial tax bill of {$3600.00} despite our documentation and county tax document received showing that {$0.00} was owed. In addition, NewRez INCREASED our escrow and therefore the mortgage payment by $ XXXX when it should have been reduced by $ XXXX! A {$600.00} swing! We then spent the next 3.5months chasing the tax office around only to have them issue the tax refund to NewRez in XXXX ( all documentation in hand ). I called NewRez and was told they are still " researching '' my account. 

In XXXX after paying 8 months of an unnecessarily increased mortgage payment, the county sent a new bill to NewRez, again showing we do not owe property taxes. I called New Rez sent another XXXXportal ' message asking them to refund my money and reduce my mortgage payment. Later in the month I received a response that they were again " researching my request ''. In XXXX I had a chat with an account representative who said she has no update for me. 

We are now about to make the XXXX payment and for MORE THAN ONE YEAR NewRez has charged and collected an extra $ XXXX from us and still has not refunded us the tax money they were refunded from the county on our behalf. They have not provided an escrow analysis or any analysis on my account to correct the charges or provide me with an accurate payment that reflects the state benefit my husband earned serving this county. 

Since NewRez has not responded, reacted, adjusted, or even acknowledged the changes required I must seek consumer protection, advocacy, or some other means of leverage with this company. Very few people can absorb an additional $ XXXX error in their bill for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In the initial communication with Capital One they did not state it is was an attempt to collect a debt. Capital One Bank continues to send monthly statements that does not state it's an attempt to collect a debt. Pursuant 15 usc 1692e ( 11 ) a debt collector must state it's an attempt to collect a debt under the fair debt collection practices act and Capitol one does not state that. Capital One Bank has been very false and deceptive. This is in fact a violation of 15 usc 1692e ( 11 ). I can not pay on a positive balance. That's a violation and highly false and misleading.
Product: Bank account or service

I filed a BankAmericard Cash Rewards Card today, so I got declined from Bank of America dated of XXXX XXXX, 2015 : Unfortunately, we 're unable to approve your application at this time. 
As a result of our decision, any balance transfer requests included with your credit application will not be processedXXXX, thanks for applyingI complain against Bank of America for discriminated against my income and they made me in full of disrespect banking account notification to U.S. Senators and SPeaker XXXX XXXX. 
I am dual unhappy with Bank of America responses involved due to unfit XXXX and XXXX residents notification to U.S. Senators, thank you, much! 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans - XXXX  Dates : 2021 - XXXX XXXX ( 7 occurrences for Balance update ), XX/XX/XXXX ( 7 occurrences for Balance update ) Amount : Action taken : Contacted XXXX  for resolution Fie a dispute with credit bureaus ( XXXX, TransUnion and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old fraud account from XXXX on my credit report being reported as a charge off. Experian refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but Experian refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but Experian has not sent me any information pertaining to that, but yet after a recent dispute Experian reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is  a Tax Lien on my  Equifax report that was previously removed and put back on.  XXXX   XXXX  and   XXXX   have already removed it but for some reason Equifax has not.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with how Zelle handles their disputes. I was comfortable using this until I realized I was just losing money. I have had my account for years.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX had obtain my personal information through identity theft. I never given this company any of my personal information including a social security number. According to the Privacy Act of 1974 which states : " The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. '' XXXX and Exeter Finance violate this act when my information was illegally obtained without my verbal or written consent.
Product: Checking or savings account

Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized I was charged fees due to lagged posting of charges and credits.This aligns with recent CFPB findings against NAVY FEDERAL for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} This follow-up is to make sure that the listed accounts are validated.
Product: Debt collection

I have requested a final statement from CPS and XXXX XXXX. No one will send me my statement from XX/XX/2020 and the price the vehicle was bought from auction. I believe the amount owed is incorrect and want to check the validity of the amount owed prior to making a payment.
Product: Debt collection

XXXX  is reporting an false account on my credit file. The Financial Management account was deleted back in XX/XX/2020 as you can see from the attached credit file. Then reported at the same time with a balance of {$9900.00}. Falsely claiming I made a payment of {$7.00} When I was never given legal documentation detailing any information about this account. It's payment history, late fees, original balance, sign contractual agreement with FMS Financial Solutions. No relation documentation or Title of enrichment was ever provided as to whom this third party debt collection company represents. XXXX  continues to report this false account though I have sent documentation that would state these facts.
Product: Credit reporting or other personal consumer reports

I sent US Bank a notice to cease and desist from sharing my non-public personal information ( " NPI '' ) with non-affiliate third parties. US Bank disclosed my NPI with non-affiliate third parties without providing me with an opportunity to opt-out and instructions on how to opt-opt before they disclosed the information. As a result, U.S. Bank has violated my right to privacy according to the GRAMM-LEACH-BLILEY ACT ( GLBA ), Section 501 and 502 codified in United States Codes, 15 USC 6801 and 6802 , and codified in 16 CFR 313.7.

U.S. Bank shared my NPI with multiple consumer reporting agencies including, but not limited to, XXXX, XXXX and XXXX which are all non-affiliate third parties to U.S. Bank. This violation of my privacy has harmed my reputation since the consumer reporting agencies have also shared my NPI with other institutions whom I seek to establish a relationship with. 

THIS IS A MATTER OF PRIVACY, NOT ACCURACY!