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

Today, I.C. System, Inc. placed an erroneous {$86.00} XXXX XXXX cable bill as in collections on my credit report. I spoke with supervisor XXXX today. I explained this is a mistake because I always paid XXXX on time every month via enrollment in auto-pay. And, I never received notice of any issue. I cancelled service in XXXX, XXXX at my XXXX, OH condo. When the condo was sold in XXXX, XXXX, the title agent and buyer 's representatives confirmed all utilities and bills for service of any kind at the condo were paid in full at time of closing. XXXX said she would " make a notation '' of my dispute. Otherwise, I.C. System will not initiate any formal internal investigation or do anything to ensure compliance with the Fair Credit Reporting Act, Fair Debt Collection Practices Act or the Ohio Consumer Sales Practices Act. XXXX also refused my request to go up the chain of command and have a person with authority to act call me. XXXX also said that per her review of my account, I.C. System never mailed anything to me at my current physical address in XXXX, OH via ordinary, certified, priority or first class mail. I advised that as a commercial litigation attorney, I may file a lawsuit in Federal Court in XXXX, OH as this matter will adversely affect my current plans to apply for mortgage pre-approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus XXXX  Equifax and XXXX  to remove these credit hard inquiries off of my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me.

XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX 2 Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this collection on my credit report for months now. It was removed from XXXX   and XXXX  but has not yet been removed from my XXXX  report. This is catastrophic to my credit as it shows a much lower score than my other credit scores because of this collection. It also could be considered a form of defamation as it is looked upon negatively when I apply to places that pull that report. This is unbelievable and you can look at my previous complaints regarding the matter. XXXX XXXX has been sent all necessary information to dispute this situation and they are impossible to get someone on the phone with to discuss the matter. They just keep transferring and transferring and asking for more information when they are the ones that should accurately be keeping information. I will not pay {$90.00} that is not mine to pay. This is ridiculous and I'm getting fed up. Please investigate this company and the collections companies they are using. Anyone else they are probably out there paying for things that aren't even theirs.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX United Wholesale Mortgage loan # XXXX Mr  XXXX refinanced the loan and had {$1900.00} due back to him upon closure. UWM sent a check made out to Mr. XXXX and his deceased wife for that amount. He notified UWM that she deceased and sent in a death certificate. On XX/XX/2021 they acknowledged in writing that they received the death certificate and would send out a replacement check. No check was received so in middle of XXXX Mr. XXXX folllowed up and they said they would send the check within 10 days. No check was sent. In Early XXXX he contacted them again they said they'd send out a check again ... no check. XX/XX/XXXX followed up again. They said a check would go out ASAP and would call Mr XXXX back to confirm that the check went out. Still today, XX/XX/XXXX, nobody has called back and no check has been received. These people are continually lying and not paying Mr. XXXX the {$1900.00} that they owe.
Product: Payday loan, title loan, personal loan, or advance loan

This loan is from XXXX. I never got a court judgments etc I was unemployed for 2 years. I only started working again. Medication and my lap top were in car as well. I only got access to the vehicle as my ex husband had it. I reregistered it. I got no warning they opened the gate to get it - in a private drive way. Im begging for help. Again it was not an auto loan. They paid only partial off the XXXX XXXX loan. I also purchase insurance for the loan that if I suffered job loss or hardship it was covered. They refuse to provide me original loan documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX other adverse item of intormation. other than records of convIctions of crimes which antedates the report by more than seven years.

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

miuse of my credit report, information, Thirdparty sharing. Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 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. 'experiean and XXXX and 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.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.the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent wether 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.they 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 nelnet is 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.

Company information
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On XX/XX/XXXX, I deposited a check for {$2100.00} ( dated for XX/XX/XXXX ) from Loancare LLC after calling their company to verify that this check was ours to cash. The specialist assured me it was after looking into my account. On XX/XX/XXXX, they put a stop payment on this check without notifying me of this development. On the same day that they had done so, I sold my car and had intended to use that balance to pay off the remainder of the auto loan to eliminate a monthly payment for a vehicle I no longer needed due to my company going mobile during the ongoing COVID-19 security measures. 

I had taken time off of work to do this and ended up having to place this charge on a credit card, which I did not want to do due to the accruing interest on such a large purchase. When I called my bank, they said there was a stop payment on the check. When I called Loancare LLC, they said they had no record of this stop payment and requested time to look into it. I followed up with them via email and on a phone call on XX/XX/XXXX, and I was informed that they would cut a new check. I received an email on XX/XX/XXXX assuring me that check was overnighted to my address. 

I called again on XX/XX/XXXX to get a tracking number for this check and never received a call back with this information. On XX/XX/XXXX, I emailed them for this tracking number as I still did not have the check in question. I received only a generic response email saying the issue was resolved. On XX/XX/XXXX, I emailed again to insist it was not resolved and demand the tracking number with the same generic response. 

This refund was originally due to a duplicated escrow deposit from when this loan was opened that should have gone to the original loan holder and instead was sent to us. Loancare LLC has not taken responsibility for the debts incurred as a result of this to date on XX/XX/XXXX. They have offered a deferment with the same empty reassurances shown in the course of this situation that can clearly be altered to suit the company 's goals at any given time, and I obviously have no faith in these " solutions ''.
Product: Credit card or prepaid card

PURSUANT TO 15 USC 168a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 168a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title15 chapter 41.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently pulled my credit report and noticed an account youre reporting, The status states, Account charged off. {$14000.00} written off. Date opened XXXX. 

For this charged-off/written-off account, I never received a 1099-C ( Cancellation of debt ) form nor a debt validation letter. Please send me a 1099-C form and a debt validation letter to the address you have on file, email me a copy, and permanently remove this account from my credit report.

FCRA 1681 ( e ) ( b ) and 15 U.S.C 1681
Product: Credit card or prepaid card

When traveling in XXXX, my primary Bank Of America Premium Rewards Visa Card was lost ( On XXXX ). During a 5 hour period immediately following, my credit card was used to withdraw more than {$2900.00} from various XXXX ATM 's - using the cash advance feature. 

The fraud was immediately reported the next morning ( Within 10 hours ), and after a lengthy process of fraud review - my valid claim has been repeatedly denied by Bank Of America. I have supplied supporting evidence ( see attached ) - and still had my claim denied. I will also note that by the time I was able to submit the claim, my card had already been shut down for " suspicious activity '' - as I would expect. This further indicates the Bank was aware of the unusual spending. 

Various representatives from Bank Of America have indicated that the reason for the denial was related to it being opened as a 'Counterfeit '' - rather than " lost card claim ''. This was due to a error on their part. Even after re-opening the claim under the correct type, it was still denied. 

I have received various reasons for the denial ranging from " Chip and PIN was used '' ( Which is correct, because the card was stolen ) - to " Patterns of spending matches previous account activity '' - this is entirely false, and doesn't make any sense. I've never used cash advances on credit cards, let alone from XXXX ATM 's in Europe. 

Based on the type of card I have ( Visa ) - I should have protection from this exact type of fraud. Bank Of America is refusing to honor my valid claim - and I would like to resolve this. 

Here is a complete timeline of events -- XX/XX/XXXX - XXXX - XXXX - Card lost / fraud occurs at XXXX ATMs XX/XX/XXXX - XXXX Original Claim Opened XX/XX/XXXX - Original Claim Denied ( Letter received XXXX - see attached ) XX/XX/XXXX - Claim Reopened immediately - Denied ( Letter received XX/XX/XXXX - see attached ) XX/XX/XXXX - Claim Reopened again XX/XX/XXXX - Fax sent with supporting evidence ( Notice of delivery attached/ as well as evidence in the form of location data and supporting transactions ) XX/XX/XXXX - Letter Received Claim Denied for wrong amount ( {$5200.00} ). " Based on account history - charges consistent ''. I have never used an XXXX ATM before - left alone one overseas. 
XX/XX/XXXX - Another BOA Credit Card - placed on hold for no reason. Called / couldn't confirm why. Card unblocked - no suspicious charges. Odd behavior. 
XX/XX/XXXX - Called Fraud Dept. Rep noted claim was escalated. BOA has not received my fax yet - account notated. 
XX/XX/XXXX - Called Fraud Dept. BOA has not received fax yet. Advised to resend. No further updates.
Product: Mortgage

To Whom It May Concern : I am having issues with Flagstar trying to maintain my home ownership after divorce. Per the divorce decree, my ex-spouse must be relinquished from all financial liability of home ownership of said property. 
I have requested through multiple formal submissions to FlagStar Bank, mortgage servicer for XXXX, to assist in maintaining my home ownership - beginning XX/XX/XXXX ; with a follow-up request occurring XX/XX/XXXX ; and most recently, I have sent a third request XX/XX/XXXX. 
Throughout these past months, I have not only been met with resistance from FlagStar, but I have even had the FlagStar representative dictate to me I should " Sell my home ; downsize ; and get something more affordable. '' My sister was on the phone and witnessed this statement. I find this comment deplorable and offensive. After much thought and research, I am confident neither the CFPB or Fannie Mae would find those words acceptable. As a result and in addition to submitting to FlagStar, because of all previous denials ; lack of responsiveness ; refusal to find the " right '' solution and/or provide possible options ; and offensive words, I am also submitting this mortgage complaint to the CFPB for support and guidance to navigate the mortgage process and help me keep my home. 
I absolutely want to maintain full ownership of my primary residence. I am established in the community as a graduate of XXXX university ; XXXX ; and my family lives in the same subdivision. 
Please assist me. 
Thank you.
Product: Debt collection

I am filing this complaint to formally request the removal of a collection account from my credit report, which has been placed by Stuart-Lippman and Associates , Inc . The basis of my complaint is that Stuart-Lippman and Associates , Inc is not licensed and bonded to collect debts in the state of Georgia, where I reside.

According to Georgia state law, debt collectors must be properly licensed and bonded to engage in debt collection activities. Stuart-Lippman and Associates , Inc has failed to meet this requirement. As such, any attempt by them to collect a debt from me is unlawful and in violation of state regulations. 

I did not authorize Stuart-Lippman and Associates , Inc to use my personal information for debt collection purposes. Their lack of proper licensing and bonding further compounds the illegality of their actions. Moreover, their failure to respond to my cease and desist letter underscores their disregard for consumer rights and legal obligations.
Product: Student loan

Can not determine if the loan is federal or private because its a scam. 

Receiving constant fraudulent mailers seeking to collect a non-existent loan. Alleges I co-signed a loan for a fictional XXXX XXXX XXXX. The mailer lists my name as XXXX XXXX XXXX, which is not my correct middle initial or last name. Never heard of this person who probably doesnt exist. Tried calling the telephone number provided on all the fraudulent mailers and it just goes to a disconnected line. Either XXXX is a fraudster, incompetent, or someone is running a scam in their name. Either way, this is nonsense and these harassing fraudulent mailers need to stop.
Product: Checking or savings account

On XX/XX/2023 a furniture store failed to deliver usable furniture. They tried to deliver damaged furniture. I did NOT sign for the delivery and refused delivery. I tried to work it out with the furniture store and they NEVER redelivered the furniture. After not being able to rectify the situation with the company I called Navy Federal Credit Union to reverse the charges of XXXX. Navy Federal advised the merchant sent them a delivery receipt that I signed along with a statement from me I clearly did not right as well an altered finance company contract which the merchant blocked out my paragraph which stated I am not signing for delivery until I get the item in a new condition and me denying the charges. I clearly did not sign for this delivery. Navy Federal failed to fully investigate and even with me sending them proof of contract and proof of altered contract along with FTC complaint and Police report they still charged me checking account and refused to refund my account. As per 15 usc 1681 once they were advised of the identity theft which in this case Aggregated Identity theft because my name was forged and business records were altered they were supposed to protect my consumer rights and block this merchant from recharging and return the payment as per their own fraud protection measures on the Navy Federal Credit Unit site once supplied with the Identity Theft affidavit and Police report information. I went so far as to send them my index number for my civil suit for fraud, identity theft and breach of contract. Navy Federal Credit Union continued to Violate my Federally protected rights and not charge back the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on Equifax, and XXXX on XXXX and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.
Product: Credit card or prepaid card

My wife and I went to purchase furniture, when it came time to checkout we applied for a credit line to pay for the items. When some of the items were delivered they were damaged we were also missing some of the items we purchased. They billed us for everything. We ended up not keeping any of the furniture, I have made many attempts to resolve this matter with them yet we haven't gotten anywhere other then them showing a XXXX  balance. I should never have been billed in the first place.