23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I noticed that there were purchases made from my account. I called TD Bank to find out what type of company XXXX was. The representative told me that it was for online grocery shopping. I told him that I never made those purchases and he had me fill out a fraud disclaimer. Hes asking a series of questions as he is suppose to, and Im giving him all the information. After everything is said and done he says, Ok Ms., so the last four of your card is XXXX. I said, No. The last four of my card is XXXX. Then he said, Were you aware that there was a second card connected to your account? And I said, No! I was not aware! How is that even possible? So he cancelled both cards and the next day I closed my account because my account was compromised. I am real sceptical about swiping my card places and will only take out money from the banks ATM. I feel as though this was an inside job because its not like the purchases were made from my account using my card number. These purchases were made from another card connected to my account. Someone should be held accountable.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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

I submitted this complaint to remove this suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a v
ital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting or other personal consumer reports

A bankruptcy is being reporting inaccurate and/or incomplete information concerning me in consumer reports. This conduct has caused me distress and financially harmed me with costs and loss opportunities. 

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, and also unverifiable : Reference # XXXX I contacted the Court of Record you list on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. 

I then contacted XXXX and XXXX XXXX XXXXXXXX XXXX XXXX informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations. 

Therefore, they could not have possibly verified this information, and I request that you delete the alleged Public Record and provide me an updated copy of my consumer file. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed.

I disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in & connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute.
Product: Student loan

I have a private student loan which originated in the amount of {$35000.00} in XX/XX/2008. 

{$15000.00} was unused and returned ; I began paying monthly payments on the remaining balance of {$20000.00}. 

I have been paying for the last ten years without fail. my current balance is {$14000.00} In the last ten years I have made payments totaling {$15000.00}. However, I still have a balance showing {$14000.00}. So, only {$6000.00} has been credited to my account. 

I have recently been made aware of fraud by the student loan holders in regard to interest rates. 

I have requested detailed analysis of the loan and the explanations have been cursory, vague and incomplete. 

The loan is held by Wells Fargo. I am concerned there may be some improprieties.
Product: Mortgage

Lakeview paid my city property taxes through my escrow into the wrong account. I called them and they told me they would handle the situation. The day they were due they told me the attorney was still working on but that I would be ok. I just got hit with huge penalty and several interests fee, and still am being told by the city of XXXX that I owe the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple FTC reports for fraudulent accounts to Equifax and they refuse to delete them. I have a afraid alert on my account and has had one for months. I need these to account immediately deleted because it is messing up my credit history and hindering me to buy a home! I need a new report delivered to me once deleted. Thank you amounts and dates as attached
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX  XXXX XXXXXXXX XXXX Owed : {$4500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXX Balance Owed XXXX {$2700.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$380.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}
Product: Credit reporting or other personal consumer reports

XXXX Closed account on XXXX XXXX. OFFERED SETTLEMENT for previous bank account that is closed. Settlement paid on XXXX XXXX. Status of account was never updated, company continued to report poor remarks and demand full payment. Company shill continues to demand full payment. Credit reporting agenecy has incorrectly stated account meats FCRA standards without running investigation. When asked to delete file they update with wrong information. They have recover disputes since XX/XX/year> and have refused to resolve error 's for 12 months now
Product: Debt collection

I would like to add some information to my already opened case #  XXXX . We got a few days ago a document from the court, which was held 20 days ago. About this court nobody inform us. Collection agency urge us to set up the payment plan. How we could set up the plan, when  XXXX   XXXX  still counting late fees twice a month, after they put us under collection more than 2 years ago? Follow their rules, if they are getting regular payment by  XXXX  of each month, never will be any late fees. Follow our attachment it 's not seems like that. To get last statements through  XXXX   XXXX  we could n't because it accessible only to administration. Resent paperwork we got through  XXXX   XXXX  lawyer office. Since  XXXX / XXXX / 2015  we paid to  XXXX   XXXX  {$6500.00}. Our money somewhere lost follow our attachments. We are sending all our payments on time, but on court paper was n't noted. They showed only their processing fee in amount of {$1200.00} which was illegally stolen from our bank 's account. We would like to correct our debt amount through  XXXX   XXXX  first, and then to set up the payment plan through collection agency. When I visited  XXXX   XXXX  administration, I did n't get information, because they said it 's going through computer, and nobody could correct it.  XXXX   XXXX  cheated on residents with their service fees. If nothing will change, we 'll collect signatures from our residents regarding poor serv ice. The street near ou r house very damaged for a few years and anyone could turn the neck by walking.  XXXX   XXXX  sleeping in a darkness at night time, because just a few lights are working in the streets. Question : Resident! Pay huge money for poor service, and wait until our pockets will be full to do any better service.
Product: Debt collection

FRAUDULENT ACCOUNT OPEN VIA CREDIT REPORT INACCURATE INFORMATION REQUESTED LVNV FUNDING LLC {$780.00} XX/XX/year> REQUESTED VALIDATION SEE CODE 15 U.SC 1692G NEVER RECEIVED BUT SAID INFORMATION WAS ACCURATE NEVER RECEIVED VERIFIED DOCUMENTATION STATING TO BE VERIFIED BUT WAS ADDED AS VERIFIED ON CONSUMER CREDIT REPORT AGENCIES VIA XXXX XXXX XXXX, XXXX THESE RESULTS WEREN'T VERIFIED ACCOUNTS ARE NOT MINE AND FRAULULENT
Product: Money transfer, virtual currency, or money service

I find it reprehensible that Bank of America and XXXX are using social engineering to punish legal businesses that deal in firearms. 

For companies that were saved by government ( taxpayer ) bailouts and have substantial government business, they have no right to deny financial services to any businesses that are conducting legal and constitutionally protected commerce.

I will review any future personal dealings I might have with these two banks if they continue their plans to punish these types of businesses and proceed with their unjust intentions.
Product: Credit card or prepaid card

I received my western union prepaid card in the mail but have had trouble activating over the automated system, online and over the phone. My online access was activated but now it is locked. In an email from the company I was informed that my account is on a temporary hold and my concerns can not be resolved through email. However, my activation and concerns can not be resolved over the phone. The representatives stated twice that I am ineligible yet the card does not require a credit check and I have the card in my possession.
Product: Credit reporting or other personal consumer reports

Someone has been using my information and open of a XXXX  XXXX account, affirm account, and XXXXXXXX XXXX XXXX! I did not make any of those accounts! I just put a fraud alert out with XXXX. But I need help getting to the bottom of who stole my paperwork to be able to do these things. I just disputed it with XXXX, but still I need to make sure this wont ever happen again! I want all these accounts removed from my credit report for fraud! I did lose my wallet years ago but it only had my social and ID that was expired in, I did not know thats all it takes for someone to steal your identity! This has been a traumatizing experience, I just want this to get fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 online dispute was submitted to XXXX XXXX for the following inaccurate account currently reported on my credit report. The dispute request was to delete and remove the following account from my credit report. XXXX XXXX dispute results did not delete the account as requested. XXXX  dispute results from XX/XX/2019 removed and deleted this same account. This is the 3rd request to XXXX XXXX to remove the following account from my credit report as soon as possible. 

Waypoint Resource Group Account XXXX Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX {$170.00}
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to express my deep dissatisfaction and concern regarding the improper handling of my mortgage application by Loan Depot, which has resulted in significant financial and emotional distress for me. Despite numerous attempts over the past two years to address the issues I have encountered with Loan Depot, I have yet to receive appropriate treatment or necessary responses. 

The most recent incident highlights the recurring problem I have faced with Loan Depot. In my latest claim, I clearly outlined instances of improper data handling by Loan Depot, yet they failed to conduct a thorough investigation and instead provided a superficial apology to placate my concerns. 

I demand that Loan Depot provide a detailed explanation of the errors in information usage during their data transfer and management processes with external consulting services. How were these inaccuracies generated? Did Loan Depot mishandle information or was there data corruption during the transfer process? No answer has been provided after 60 days. 

Since initiating complaints in XXXX, Loan Depot has consistently failed to address the fundamental question of why my loan application was denied citing insufficient funds when I clearly had adequate resources. 

This ordeal has caused substantial financial losses and emotional distress. I have invested significant time, energy, and endured mental stress in the eight appeals submitted to date. I urge for appropriate compensation to be made for these damages. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation into Loan Depot 's practices. 

Sincerely, XXXX XXXX
Product: Credit card

Today XX/XX/year> I contacted The Credit Reporting Agencies & Tried To Work With All 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ACT # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Portfolio Recovery is reporting the incorrect monthly obligation as well as reporting that Ive been more than 120 days past due on the account. 

I set up a payment arrangement, even though I dont believe this account should be on my credit report and Im currently disputing this account with all three credit bureaus. The reason I set up the arrangement was to prevent anymore inaccuracies hitting my credit reports. 

Ive never spoke with or had any communication with Portfolio Recovery written or verbally before 2020. When I reached out Portfolio Recovery to figure out why my monthly obligation is reflecting as {$6800.00} I was advised by XXXX XXXX that they dont have to put the payment arrangement amount of {$110.00} on my credit report they only have to put the balance which is {$6800.00}. I asked why did they report me as 120 days past due I was advised by XXXX XXXX that they dont show that Ive been late and are unaware as to why the credit bureaus reflect the account as past due. 

This can not be legal for Portfolio Recovery to report whatever they would like to report to the credit bureaus, even if its inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are attempting to payoff our mortgage. However, our attorney did a title search and discovered our original mortgage company ( XXXX XXXX XXXX ) sold our mortgage to two separate entities. The timing of these sales of mortgage were close enough together that a title search would not have revealed the prior sale. 
Currently, we have deposited the funds ( {$79000.00} XXXX to payoff our mortgage with our attorney pending satisfactory resolve of this issue. These funds are being held in his escrow account. The problem is the payoff supplied by our lender was only valid through XX/XX/2021 and the servicer ( Select Portfolio Servicing Inc. ) failed to answer how this matter would be cleared up. Instead, they simply indicated who one of the mortgage owners are. 
To date, Select Portfolio Servicing , Inc. has failed to answer us or our attorney as to whether both mortgage owners will file a satisfaction piece once our mortgage is paid off. Our concern is the servicer will attempt to add additional fees, late charges and/or adverse credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). 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. ( FCRA, 15 U.S.C. 1681 ) .Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C . 1681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX and XXXX on XX/XX/2022, It been well over 30 days. I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX XXXX and XXXX have 30 days to respond to my dispute. This is a violation of my rights
Product: Debt collection

Upon viewing my credit report, and attempting to view a bill, both Midland accounts had their amounts changed, and terms dates.
Product: Checking or savings account

With drawed XXXX. From my checking account from XXXX XXXX th chime let this happen
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 40 days later I have no received a response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it is plainly stated that a failure to investigate these items within 40 days gives a reason to immediately remove those items from my credit report. it has been over 40 days and by time you get this about 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.