23daVinci/CFPB_Complaints huggingface dataset:
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 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.
Product: Mortgage

Fro the last 4 months we have been attempting to refinance our current mortgage with Mr. Cooper ( mortgage company ) to get a 15 year fixed at 2.5 %, We are currently paying them 5.7 %. We have a HELOC with XXXX  XXXX XXXX and Mr. Cooper does not like the XXXX note because it has language around negative amortization. XXXX XXXX XXXX wrote two letters on our behalf to Mr. Cooper stating that the negative amortization does not apply to us, and Mr. Cooper is still rejecting it saying that it does. We want to meet with Mr. Cooper, and XXXX XXXX XXXX is willing to as well, but Mr. Cooper refuses to stating that their underwriters do not meet with anyone. At this point I suspect they are stalling because they simply do not want to give us a lower rate. They have not given us any other reason and refuse to meet with us. They are also not returning any of our phone calls. Their AVP refuses to get involved as well.
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

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

I never received the initial demand letter in regards to collecting debt. Harris & Harris has not verified they are handling the account. I have not received any letter correspondence about this account. I called & tried to confirm, and XXXX provided me inaccurate information about process.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX, XXXX  XXXX account opened XX/XX/XXXX, XXXX XXXX XXXX  Account openedXXXX, XXXX XXXX XXXX XXXX  account opened XX/XX/XXXX, XXXX XXXX XXXX account opened XX/XX/XXXX, XXXX  XXXX account opened XX/XX/XXXX, XXXX. XXXX XXXX account opened XX/XX/XXXX, XXXX XXXX XXXX  XXXX  account ( Late Payment ) XXXX XXXX  account opened XXXX/XXXX/XXXX, Hard Inquiries : XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX have resulted in several fraudulent hard inquiries and fraudulent collections appearing on consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer Rights to Privacy and confidentiality under Title 15 U.S.C. 1681. 

XXXX XXXXXXXX XXXX  Account # XXXX Title 15 U.S.C. 1681 section 602 A states I have the Right to Privacy.

Title 15 U.S.C. 1681 section A section 2 : It also states a consumer Reporting agency can not furnish a account without my written instruction.

Title 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 items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

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

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account is not mine XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. Mistaken Identity XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. This account resulted due to identity theft. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any items listed on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Student loan

Since XXXX I have been attempting to qualify for Public Service Loan Forgiveness. For the past two years I have been trying to get an accurate payment account of all payments made since XXXX in order to figure out if I qualify at this point. Since being switched to FedLoan Servicing, I have no record of any of my payments from before XXXX and when I speak to their representatives they inform me that my payments have been under review since XX/XX/XXXX, which seems extremely excessive. How can they not have records of this after I have been with them so many years? 

I have reached out to my senator and received the same information from Fedloans, only my payments since XXXX. I was also forced into deferments when switching payment plans and servicers which has further delayed me in my attempts at Public Service Loan Forgiveness despite XXXX  years of service. Through those deferments, interest was calculated but any payments made would not have counted toward my Public Service Loan Forgiveness. I would like to request a Payment Count Letter of all payment made on my loan since XXXX. If the government is to contract out to these companies, these companies must be held accountable for the records and efficient processing of student information as I am not alone in this.
Product: Student loan

I have a federal student loan for two years of XXXX, both with high interest rates 5.4 % and 6.8 % respectively. My loan term was 10 years with relatively manageable monthly payments, but in an effort to try to reduce my loans faster, I made several larger payments even before my grace period ended, and tried to make big payments so I could pay off my loan sooner than possible. When I was making bigger payments, I would manually enter the amounts I paid towards the principal and interest. I was told that using the autodebit function would reduce my interest rate slightly, so I went with that. I was recently reviewing my payment history and discovered that by using the autodebit function, I was in fact paying a lower and lower share of my principal amount. I spoke to my student loan servicer today and discovered that they apply the amount so that my last payment conforms with the end of my student loan term. That means that by paying more now, I 'm effectively giving more money to the loan servicer over the long term and when I asked if they would revisit my loan term, they said I could request it, but it would not be guaranteed. How is this legal? How can I be advancing my payments and they we able to extract extra money from me because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries on my credit report from the same company : Credco. The inquiries are 3 days apart.One in XX/XX/XXXX and one XX/XX/XXXX. There 's also one inquiry from XXXX XXXX XXXX on XX/XX/XXXX that was n't approved. I have credit cards with XXXX but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from SYNCBPAYPALEXTRASMC.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting Violation of FCRA Dear Equifax and XXXX XXXX XXXX I am formally disputing the accuracy of the information being reported on my Equifax credit report regarding my credit card account with XXXX XXXXXXXX XXXX The reported details are inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 

Disputed Information Creditor Name : XXXX XXXXXXXX XXXX Account Number : [ Your Account Number ] Issue : Inaccurate balance, re-aging of the account, and improper charge-off reporting. 
Violations of Federal Law Identified XXXX. Incorrect Balance on a Charged-Off Account The account is listed as Charged-Off yet still shows an outstanding balance of {$86.00}.

Under FCRA 1681s-2 ( a ) ( 1 ) ( B ), a creditor must not report inaccurate or misleading data.

Request : Remove the balance from the charged-off account or delete the tradeline entirely.

2. Re-Aging of the Account The account has no clear closure date or Date of First Delinquency ( DOFD ), which may artificially extend the reporting period. 
Per FCRA 605 ( a ) ( 5 ), derogatory accounts can not remain past 7 years from XXXX. 
Request : Provide the exact closure date and DOFD, or remove the account. 

XXXX. Post-Charge-Off Late Payments ( Illegal Reporting ) The payment history shows continued late payments even after charge-off ( XXXX - XXXX ). 
This is a willful misrepresentation under FCRA 1681e ( b ), which requires accurate reporting.

Request : Remove all late payments after charge-off.

4. Conflicting Account Status The account is marked as both Charged-Off and Closed, but a balance remains. 
XXXX can not legally claim an account is charged-off while keeping it open with a past-due balance. 
Request : Provide evidence the debt was not sold to a third-party collection agency. If sold, remove the account per FCRA 623 ( a ) ( 5 ).

5. Failure to Provide Method of Verification If Equifax verified this data, under FCRA 611 ( a ) ( 7 ), I am legally entitled to receive : The exact method of verification The source XXXX provided to confirm this accounts accuracy Request : Provide the Method of Verification within 15 days, or delete the account. 

Formal Demand for Correction or Deletion Per FCRA 611 ( a ) ( 1 ) ( A ), I demand a formal reinvestigation. Within 30 days, you must : Provide documented proof validating the accuracy of this account. 
Delete or correct all inaccurate information immediately. 
If you fail to correct these violations, this will be considered a willful violation under FCRA 616 and 617, entitling me to statutory damages of {$1000.00} per violation, plus punitive damages in a court of law. 

Notice of Intent to File Complaints If my report is not corrected within 30 days, I will escalate the matter by filing complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office I expect a response no later than [ 30 days from todays date ]. Failure to comply will result in further action. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Cares Act and the Heroes Act, XXXX XXXX XXXX  ( Account # XXXX ) has violated my rights, XXXX XXXXXXXX XXXX reported 5 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX XXXX starting XX/XX/XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Product: Checking or savings account

Every time i have a mrchant credit to my account my financial institution keeps or withholds my money for to long.   Every night i check my checking account for my credits at  XXXX  (   XXXX   ) and the credits are not there, but then i check again the following day and the money that was suppost to be credited now shows the date of the day before, but as i mentioned at  XXXX   XXXX  no credits are there.   It seams to me the bank is playing with my money and as i recall this bank was caught committing fraud to it 's customers before.   Also they are slow reporting my balance to different companies like  XXXX .
Product: Checking or savings account

Citi Priority, I opened a new acct in XXXX, I deposited {$15000.00}, I received a debit card, checks, a pin, a confirmation letter. I even tried to deposit more. All of a sudden, they froze my acct & wouldn't tell me why. On XXXX, they sent me a letter saying they closed it because I violated the account terms per the client manual, but won't tell me how, I only had the acct open for less than a week. They said they will mail me my XXXX, sometime in the future. I am very financially responsible person w a very high credit score! I already submitted a complaint with you about this & they replied saying they would send me my money, within 30 to 60 days. It has now been over 3 months since they froze my account & they have not contacted me about sending me my XXXX dollars nor mailed it to me. Previous case ID is XXXX.
Product: Credit reporting or other personal consumer reports

EXPERIAN has continued to report false information against me through and according to XXXX that has kept me from getting decent employment since XXXX. Briefly I successfully sued XXXX which is all the same company owned by XXXX XXXX about XXXX for false information so now they say they are reporting information from EXPERIAN which is true because EXPERIAN has continued to report and re-report about 40 pages of previous incorrect addresses with a note : " moving around a lot suggests evasion of debt. '' I can send these pages if given a CFPB email but your attachment window will only take XXXX. Experian refused to remove the negative reporting despite the law that negative information can not be reported for 26 years ( it was 7 ). EXPERIAN also has my file mixed with XXXX XXXX who works at XXXX XXXX in XXXX Alabama, they even has his email address at Spire Gas in my file. In XX/XX/XXXX XXXX XXXX sent me a low rate for renewing my homeowners/ automobile insurance. When I called them to discuss it they doubled the quote and sent me a notification that the low price was withdrawn due to my XXXX report XXXX XXXX says is from Experian. Experian has cost me {$63000.00} yearly in job earnings since XXXX and XXXX XXXX even admitted this report caused my job offer to be withdrawn. {>= $1,000,000} has been lost in job earnings since EXPERIAN reported numerous false addresses and other mixed-file-Birmingham data to XXXX XXXX XXXX has now refused to provide my current EXPERIAN report in a safe manner that will not put my ss number on the internet which XXXX and XXXX have continued to cause identity theft and been fined for such breaches but still continue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX cell/ XXXX
Product: Checking or savings account

XX/XX/year> closed all my accounts with USBanks because they claim an ovetdrwn account in which I never received a letter concerning. Time limit 31 days at same time closed my other 3 checking accounts including my savings accounts which were in good standings. Opened at different locations. Also earlier closed a secured bank credit card also because of fraud. I believe it is a inside job ( dummy accounts ) possibly related. 
I previously opened account against this bank # XXXX they placed my account in a fraud mode refused me use of my accounts have been complaining many, many years then they closed them all. Believe accusing me of fraud. 
Please help salvage my accounts.
Product: Mortgage

Typically the monthly payment is XXXX and we sent in XX/XX/XXXX amount XXXX for XXXX months in advance but Wells Fargo applied to Principal instead. We called but they did not want to reverse it. 

The strange thing was all advance we sent in XXXX, and XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX was reversed and applied to regular monthly payment no problem.
Product: Credit card or prepaid card

Citi Bank closed my online account with no notice to me at all. When I went online to pay my bill, the user name and password I have used for years was suddenly not active. It asked me to set up another online account, and the account log-in name was available, so my history and online profile was completely deleted. I called the company to discuss why and they could not give me an answer as to why. I am concerned that all my history and information is no longer available to me and this seems to be a very concerning issue related to online fraud. I would like them to investigate but they did not at all seem concerned with the matter.