23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My rental home on XXXX XXXX has been financed with NYCB Mortgage for the past 3.5 years. My credit is excellent, approaches XXXX, and I have never missed a payment. I am trying to refinance this same exact home with NYCB that has been financed with NYCB for the past 3.5 years, to get a lower interest rate, from 4.375 to 4.0. Absolutely nothing has changed in the home since NYCB readily and easily financed this home 3.5 years ago, without any questions or reservations whatsoever. 
Currently, they refuse to refinance the same exact home, as they say this is a multiple dwelling home. I rent the home to XXXX person. She apparently has a XXXX of roommates. I do not have any problem with her having roommates, as I have nothing to do with them. I only have a rental agreement with my tenant, and receive rent from said tenant, that has lived there for 2 years. If she has a couple of roommates that help her pay the rent, that is usual and customary, and quite the norm in XXXX, where rent are high. 
According to the XXXX city code, to be considered an accessory dwelling, another stove must be present. There is XXXX, and only XXXX stove at XXXX XXXX XXXX. In the absence of said stove, the XXXX areas of the home in question can be considered wet bars, recreational rooms, bedrooms, etc. However, they are not accessory units. According to the city code, an accessory unit is defined as follows : What is an ADU? 
An ADU is a complete independent residential living space that can be created within, attached to or detached from a single-family home. An ADU include provisions for living, sleeping, eating, cooking and sanitation. An ADU can provide supplementary housing that can be integrated into existing single-family neighborhoods to provide a typically lower priced housing alternative. 
XXXX XXXX of these XXXX areas of the home that NYCB is calling " accessory units '' have cooking facilities. 
NYCB did the exact same thing almost 2 years ago to the date with the home that I live in.. After months of wrangling, heartache, and many pounds of flesh, it was kicked to XXXX XXXX , the XXXX vice president of underwriting, who realized immediately NYCBs absurd argument, and funding happened shortly afterward. Perhaps NYCB also realized I would not give up. I do n't know exactly, but do know interests rates have gone up since I locked in at my present rate of 4.0. Perhaps this has something to do with it. 
Please finance the loan, and let 's not repeat the fiasco of 2 years ago. I am a great customer and have never, ever missed a payment, although I am getting weary of NYCB 's way of doing business.
Product: Checking or savings account

PNC Bank is preventing a 3rd party account making authorized withdrawals from my checking account. I have an investment account with XXXX  Investments that has been acknowledged and accepted by PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted Experian, XXXX & XXXX. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

This final ruling states that XXXX, Equifax nor any Credit Reporting Agency may not allow Medical Bills or collection of, to be on my Credit Report. Please enforce that t. Please see CFPB 's Final Ruling Paragraph below ; Equifax remove the following Medical Collections from my Credit Report XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Opened XXXX Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) XX/XX/year> The Consumer Financial Protection Bureau ( CFPB ) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 credit inquiries on my XXXX credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. I have never applied for a credit card with neither of these companies. I spoke with XXXX and with both credit card companies. The credit card companies told me that there is no information about an application in my name in their systems. I then reached out to XXXX to report fraudulent activity on my credit report and disputed both inquiries. I would like for these two inquiries be investigated and removed from my credit report.
Product: Credit reporting

hello I was checking my credit report with your company and I found different agency and card that I never fill out or use. and very worry about my credits
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for XXXX XXXX, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. XXXX XXXX sent account to the collection agency XXXX XXXX XXXX XX/XX/XXXX for the amount of {$2300.00}. I tried to contact XXXX XXXX  XXXX XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.
Product: Credit reporting or other personal consumer reports

It has been 7 years and this record has been on my equifax and XXXX. XXXX deleted once I went to the court house and notified them the courthouse did not report this information. 

This information has been requested to deleted from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On credit report stating XXXX XXXX someone took a loan out on my name of {$710.00}. I noticed this on my credit report reached out to self lender left voicemails requesting a call back to validate this account. 

I tried multiple numbers to contact this lender and filed police report I called and spoke with XXXX from XXXX XXXX and she asked for social I declined and she was not able to identify me by name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX AS WELL AS XXXX DAYS LATE IN XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  XXXX - Correction of billing errors ( XXXX  ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Debt collection

On XX/XX/XXXX, XXXX, I received a call from Biehl & Biehl attempting to collect a debt regarding XXXX XXXX XXXX On XX/XX/XXXX, I responded via email to Biehl & Biehl and provided documentation to its collection representative that the XXXX XXXX XXXX was paid in full and provided a copy of XXXX Quote ( required for the bill of lading ), a copy of my credit card statement showing the charge, and a copy of the bill of lading. On XX/XX/XXXX, I received a call from Biehl and Biehl. This time asking to speak to a XXXX XXXX XXXX. After responding that I am not with XXXX XXXX XXXX, I spoke to the Collections Manager at Biehl & Biehl and provided documentation to him via email that I am with another company and also provided documentation that my charge with XXXX was paid in full. The Collections Manager responded via email on XX/XX/XXXX " Receipt acknowledged, thank you. I will be back in touch shortly. '' No response was received. In XX/XX/XXXX, I received a letter from Biehl & Biehl addressed to XXXX XXXX XXXX demanding payment and stating that they have " attempted to contact me without any success. '' Again, I contacted Biehl & Biehl and indicated that I am not associated with XXXX XXXX XXXX and the bill of lading they provided in XX/XX/XXXX was to another company and it was paid in full as documentation I provided to them showed.
Product: Credit reporting or other personal consumer reports

A collections agency took over my one of my credit cards when I fell behind. I first contacted them on XX/XX/XXXX at XXXXXXXX XXXX. I made a payment plan with them and asked them to report to the credit bureau that I was paying it. They told me they didn't have too. I continued to pay and asked to send emails or letters I was paying they said they didn't have too. So I attempted to view online and could not. I called XX/XX/XXXX XXXX XXXX XX/XX/XXXX it hung up on me, XXXX XXXX XXXX. I told them they had to report or give me proof I was paying the answer was don't have to. Called XX/XX/XXXX XXXX XXXX, XXXX XXXX and XX/XX/XXXX when I paid it in full and asked for proof again was told no. 

However on XX/XX/XXXX they report the bill as 120 days late and did not show it was paid in full. There was no 120 days late with them I have copies of their letters and proof of my payments. This is false reporting and caused a decrease in my credit score. I warned them I would call my lawyer and this is retaliation.
Product: Checking or savings account

XXXX XX/XX/2022 Debit Card received in mail from Discover. I do not have any accounts with discover. Called Discover bank and fraud line wait was over 24 hours. I then chose to speak with a Discover bank agent but did not share personal information as I was unable to speak with the fraud division. They were able to identify the account without my personal information and assured me that account would be cancelled/closed and I would receive a letter in 10 business days. My concern is what is required to open a banking account/debit account. Are no forms of ID required? When reviewing credit reports, the account was inquiried on XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the Accounts and addresses I do not recognize are continued hereXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at these addresses and I do not know these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them multiple errors on my reports and I continue to get something stating it has been verified as accurate.

As you can see I have come to you multiple times and I get ignored.

As

per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I am now seeking compensation. I have now gotten the XXXX involved and Attorney General and will proceed to sue them if they don't act promptly.

False accused me and have defamed me.
Product: Debt collection

COLLECTION COMPANY REPORTING ID FRAUD ACCOUNT AND VIOLATED MEDICAL PRIVACY ACT " HIPAA '' ...
Product: Prepaid card

I purchased 4 prepaid, Visa gift cards, each for a value of {$500.00} I puchase 3 of these on XX/XX/year> and one on XX/XX/year>. Each time I attempted to use the cards my transaction was rejected by the Incomm. The cards are serviced by Incomm Financial Services. Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes that delaying the spend down on the cards will lead to windfall and unmerited profits for the issuer. How? By frustrating users and rejecting consumer purchases, chances increase that users will simply give up and not use the cards. By frustrating users and delaying spend down chances increase that users will misplace their cards. This is unethical behavior. I have been forced to endure lengthy delays, lost submissions and poor customer service on the numerous occassions on which I have forced to seek refunds and card replacements from Incomm. That is why I now appeal directly to CFPB in the hopes of not only receiving a refund for these 4 cards, but some action on the part of CFPB to sanction Incomm so that the entities stop this eggregious behavior.
Product: Debt collection

First of all, there was a valid collections account that I settled with XXXX/collections in XXXX of XXXX. It has been on my credit report as settled ever since then, with commensurate effect on credit status all of this time. In my attempt to rebuild my credit profile since that event, I have checked on my credit report religiously every month, sometimes as many times as twice a month. I recently checked my XXXX credit report via XXXX in XXXX of XXXX and all was ok. 
This morning, XXXX XXXX, XXXX, I checked my XXXX account and find that this same collection agency I settled the owed amount with back in XXXX of XXXX, is reporting me as having an OPEN collections account with them. They do not however, provide an account number. Suffice it to say that I have not, out of principle, started any cellphone business with XXXX since that phone issue was resolved in XXXX XXXX ( settled debt ), so there would be no reason for another account number. I also have not co-signed for anyone on anything - ever. So, I am at a loss. 
Understandably, I have just submitted a dispute with XXXX to that effect. 
My desire to file a complaint with the CFPB stems from the wanton abuse of Receivables Performance Management 's apparent ability to place a blemish on one 's credit report, creating an unnecessary snowball of a process I must now take to clear my name, all the while driving down my FICO credit score in the interim. It bears worth mentioning that I am in the middle of a refinance transaction and the effect of this irresponsible opening of an erroneous collections account report by this company could complicate the process.
Product: Debt collection

BULL CITY FINANCIAL XXXX XXXXXXXX I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and North Carolina Administrative Code. North Carolina regulations require all debt collectors to send specific written documentation verifying the debt. Verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted a complaint about this company reporting false data on my credit report. They have not gave me any copies of legal agreement or contract between me and the debt agency not even a sign documents. How it has been 60 days and they still reporting fraudulent information. They have not sent the legal documentation to the CFPB.
Product: Mortgage

: I filed with XXXX XXXX XXXX  and they said she did violate my rights and ethics code violation. XXXX XXXX has tons of violation. I also found out she charged me fees that I had no idea about. And the seller of the house I bought didn't tell me of issues that had happened prior to sale. So far I have spent a ton of money fixing things he did not tell me about. I also filed with XXXX XXXX XXXX and he ignored the complaint. XXXX was not working as my agent should have. I also found out she illegally took money from me that was never talked over or authorized. I have paid more of my money that should not have happen.She also threatened to end the sale after I refused to pay a 3rd party. I was given a very bad deal.I also paid XXXX over the price for a washer, dryer and stove.The items did not work. I ended up having no choice but to buy new items. I was also not told truth about the cost needed to be replaced. I am limited income and so far all my money was taken by XXXX XXXX and the home owner.I bought this home in XX/XX/2023. So far in just replacements, trash removal, fixing the entire home electric installed a hearer, redid the pipes, bought a new stover, washer, dryer and fridge.I have paid over XXXX. And more in the mean time.So I am seeking to sue for her fee of XXXX plus, all the money that was put into the home so far and to come. Due to her negligence.
Product: Credit reporting or other personal consumer reports

XXXX has been sued for allegedly conducting sham investigations that fail to properly address consumer disputes. I believe that the numerous times Ive attempted to correct account errors on my credit report have been shadily processed and incorrectly investigated, leading to false verification letters, updated reports instead of entirely removing accounts that are both fraudulent and/or inaccurately reporting balances, late payments, and closed accounts. 

Multiple inquiries, accounts, and inaccurate delinquent entries have been reported on my credit profile, all of which I have attached in this CFPB complaint via letter/word doc. as way of attempting to correct the insurmountable damages done to my credit health and identity as a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -I demand the following incorrect late payments be removed immediately : XXXX XXXX XXXX XXXX account # :XXXX ( credit card ) Inaccurate Late payments- XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

XXXX XXXX XXXX XXXX account # : XXXX ( XXXX loan ) Inaccurate Late Payments- XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  opened XX/XX/XXXX amount {$7400.00} -FTC Violation XXXX XXXX  opened XX/XX/XXXX amount {$5100.00} -FTC Violation XXXX opened XX/XX/XXXX amount {$300.00} -FTC Violation XXXX XXXX  XXXX opened XX/XX/XXXX amount {$320.00} - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$140.00} -FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$900.00} XXXX FTC Violation XXXX XXXX  opened XX/XX/XXXX amount {$3000.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$4700.00} These are all inaccurate information on my credit report. This is a FTC Violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.