23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 Account number:XXXX Account name XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Mortgage

Wells Fargo Home Mortgage foreclosed on my home in 2008. they refused to do a modification or temporary assistance to save the home. I seen a notification of a settlement ordered for Wells Fargo to pay for damages in foreclosures. 

I also had a couple checking accounts with them during this time and was charged many overdraft fees I have not yet been contacted by Wells Fargo regarding these settlements.
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 2. 

Account name : XXXX XXXX Account name : XXXX XXXX 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 XXXX years. 
15 U.S.C. 1681S-2 ( a ) ( XXXX ) 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: Mortgage

Monthly statement shows I am a month behind when I am currently caught up and will be ahead on the XXXX again.
Product: Debt collection

5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH BANK OF AMERICA. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM 2.9 TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT BANK OF AMERICA HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED BANK OF AMERICA AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY XXXX XXXX HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH BAND OF AMERICA.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO XXXX WITH NO RESPONSE.
Product: Debt collection

I received a phone call from XXXX. When I answered, they hung up. I called them back, it was a business called XXXX XXXX XXXX. I spoke with a man and requested he give me the mailing address for his company, that I would like to send him correspondence on not contacting me anymore. I asked for their mailing address no fewer than 6 times, and when I finally realized he was not going to tell me I asked him to take my number off their list. They called me at work, and I thought I missed a legitimate phone call. I do not have any debts in collections, I should not be receiving phone calls from debt collectors at all. But calling and then hanging up on me when I answer is ridiculous and childish. Failing to provide me with their mailing address so I can ask them to stop contacting me is ridiculous and childish. This is the first correspondence I've had with this company.
Product: Vehicle loan or lease

I had asked Ford for assistance with the lien holders claim to get my car fixed. Ford picked up my car from the body shop on XXXX and didn't file the lien holders claim as XXXX XXXX requested. I need Ford to file a new lien holders claim by calling # XXXX policy # XXXX with a date of loss XXXX. We also need a copy of the certificate of repossession from when the car was picked up. Please send a copy to my personal email. I asked Ford several times to file this claim but they failed to do so. I am also current with my payments and have called XXXX from Ford several times and he hasn't returned my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened a loan account with XXXX XXXX XXXX, a Federal student loan administrator whom I was directed to by my college XXXX XXXX XXXX University - XXXX, NY Campus. I borrowed the amount that would suffice the difference between total tuition cost and my partial scholarship, which was {$6500.00} or thereabouts. On XX/XX/XXXX, I borrowed a like amount from the same administrator for the same reason as the first loan from XXXX. In the XXXX instance, I had to acquire two loans that made up the amount needed ; a larger loan of {$4000.00} and a smaller one of {$2000.00}. At this time, the balance of all three loans totals {$13000.00}, including interest. 

In XX/XX/XXXX, as shown by the provided images of the reporting of XXXX XXXX XXXX, ascertained by an online credit monitoring service, the lender began to report missed payments in excess of 90 days. I myself, as the borrower, was not properly notified of payments becoming due and eventually delinquent at the time of these reports. I was not contacted directly by XXXX XXXX XXXX until XX/XX/XXXX, when I was granted forbearance of payment for financial hardship. I was notified by the representative who assisted me with the forbearance procedure that efforts had been made to contact my mother, whom I did not live with and did not have regular contact with, in regards to the delinquency of the loans. As the sole borrower of the loan, whose accurate contact information was provided with the application for the loan and online management portal, I believe it is not just that this administrator made no effort to contact me as the borrower in pursuance of payment or procedure in regards to the loan until several months after the account had become delinquent. 

I continued with forbearance with no issue from the provider for more than one year after the initial delinquency and maintained good standing with XXXX XXXX XXXX and they reported as such to credit bureaus. However, in XXXX and XX/XX/XXXX, they once again reported missed payments in excess of 90 days, also visible in the provided imagery, despite my forbearance status. Upon contacting the administrator again, they reinstated forbearance, but did not report good standing to credit bureaus until seven months later, in XX/XX/XXXX, also visible in provided images. More investigation of their reporting procedures indicate that numerous months of all three accounts being in good standing went unreported by XXXX XXXX XXXX, which I believe is unjust. It is unjust not only for the initial failure to contact me as the sole borrower associated with the loan, but also for XXXX XXXX XXXX to continuously report the account delinquent in excess of 90 days and not reporting at appropriate intervals of 30, 60, and eventually 90 days, as well as their failure to report positive standing for many months throughout the repayment period.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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
Product: Credit card or prepaid card

XXXX XXXX takes XXXX cents everytime you hear your balance and is said to have free customer service but you can not get customer service if you dont hear your balance first phone calls are often cut off or pushed forward to an automated system only giving you the option to start all over again and hear you balance again when it's not necessary due to quarantine I havent been able to get through to them what so ever but I was charged over {$3.00} for trying on the XXXX because I had to keep calling they are taking money that I dont have and not providing the service they say is free
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I also filed a police report. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts listed : XXXX, XXXX I just want those accounts removed. I have been disputing frequently.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Transunion ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/2024 ], I discovered discrepancies in the following account ( s ) : 1 * Account Name : [ XXXX XXXX  XXXX ] * Account Number : [ XXXX ] * Disputed Information : XXXX High Credit, Last Date Reported, Date last Active ] 2* Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] *Disputed Information : [ Last Date Reported, Date last Active, Date Last Payment ] 3*Account Name : [ XXXX  XXXX ] *Account Number : [ XXXX ] *Disputed Information : [ High Credit, Date Last Active, Date of Last Payment ] 4*Account Name [ XXXX ] *Account Number [ XXXX ] *Dispute Information : [ Account #, Last Reported, Date Last Active ] 5*Account Name [ XXXX XXXX *Account Number [ XXXX ] *Dispute Information [ Account #, Last Reported , Date last Active ] 6*Account Name [ XXXX XXXX  ] *Account Number [ XXXX ] *Dispute Information [ High Credit, Date Last Active, Date of Last Payment ] 7*Account Name [ XXXX XXXX ] *Account Number [ XXXX ] *Dispute Information [ Last Reported, Date Last Active, Date Last Payment ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Se

ction 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

Inquiries : XXXX, XXXX, Experian Reports I have attached 2 FTC Reports with all if the listed Inquiries on my credit reports. 
My credit was pulled without my knowledge or authorization on the dates listed
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer is XXXX XXXX. I work in XXXX XXXX. I am trying to get a mortgage. The lender needs to see a non-zero payment amount on my credit report, so on XX/XX/XXXX, I contacted XXXX XXXX and was told they would report my correct monthly payment of {$230.00} if I took my loan out of the XXXX XXXX. 

I took my loan out of the XXXX XXXX  and started making payments. However, XXXX XXXX has continued to report my monthly payments as {$0.00} rather than {$230.00} that shows on my XXXX XXXX XXXX XXXX. I have repeatedly contacted XXXX XXXX and been told to wait until the end of the month and see if it fixes or to file a dispute. I did file a dispute, and XXXX XXXX again reported my payment as {$0.00}. I have records of call, chat, and email dates. 

XXXX XXXX has left me in a position that I'm making payments that are not in my interest to make ( I'm XXXX out of XXXX years into a XXXX XXXX position and will presumably qualify for XXXX ) but unable to get a mortgage. I am unable to purchase a home. 

Please help.
Product: Credit reporting or other personal consumer reports

Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed.
Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX my PayPal business account was solicited by PayPal to apply for credit or Bill me Later I applied for credit under the business information. ie business Fed Tax Id, business address, business phone, and other business information. We received a credit response immediately and received credit of {$5000.00}. We have always used this credit for online business expense and business purchases made online. At no point have this ever been considered a personal liable credit. 
In XX/XX/XXXX, PayPal had sent me an internal notification to verify the business account to comply with new federal regulations, by adding my social security number to the account. But this was simply for PayPal only and was supposedly at no point in connection with the paypals Bill Me Later line of credit. I reluctantly agreed and complied. 
Almost 2 years had passed and approximately XX/XX/XXXX I had a major credit report hit from PayPal on my personal credit. This has come to a shock to me as i was 100 % this was a company credit card and had been applied and in no way requested or issued as a personal line of credit. 
I contacted PayPal to advise them of the error and that I had never even applied for a personal credit line and had ONLY applied with our business credentials and in turn received a decision based on my business credentials. I demanded a copy of the original application to prove my case. they advised me that they no longer handle credit and referred me to Synchrony Bank, which took over all PayPal credit accounts in XXXX of XXXX. 
I contacted synchrony bank and they advised me that this couldnt possibly be a business account or be switch back to a business account because synchrony bank does not provide business account. They advised me that they also couldnt provide me with the original credit application or credit agreement because they werent the original creditor and advised to reach out to PayPal. 
After 2 weeks of back and forth phone calls and disputes filed with credit reporting agencies, I felt I have no recourse. 
Today XX/XX/XXXX I received a letter from paypal that my original application that would prove that the credit was ascertained with business credentials and was in fact a business liable account, has conveniently disappeared. 
The facts remain, the credit was applied through my business credentials, at no point have their ever been a missed payment or late payment. This account has always been in good standing. Once Synchrony Bank took over PayPals credit accounts, my business credit account automatically turned into a personal liable credit account. And neither company can or is willing to produce the original credit application or customer agreement to show that this was originally a business account. All they claim to say is only because my name only was associated with it I have become personally liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX   XXXX {$20000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXXXXXX {$49000.00} XXXX XXXX XXXX   XXXX {$87000.00} XXXX XXXX  XXXX {$64000.00}
Product: Mortgage

I was paying my payments on time until I sent in a payment that was XXXX cents short of the amount so instead of them billing me for the short amount of XXXX cents they billed me for the whole amount which made me think that they did not credit my account for the pay I sent, which they did not do. When I got the next statement it included the same payment that I paid previously there for I felt like I was being double billed. So I did try to resolve the issue with them but they apparently sold the company to another company and they said they dont have records from the previous company, I stop making payments because they couldnt tell me anything about my issue, it was a nightmare trying to get any response or resolutions. The company was XXXX XXXX XXXX which now is Shellpoint Mortgage Newrez.
Product: Payday loan, title loan, or personal loan

I went to XXXX and was told I could and maybe should apply to get an auto repair loan. In turn I did more than once. At first I was able to pay off the auto loan within three months with the companies promotion to avoid high interest rates and so forth. I then found myself applying for a repair loan again at XXXX and I even stated on the phone that I was hesitant because know I wont be able to pay it off within three months. I asked if the MLA act or SCRA act or something would apply to me since I am a single parent with children and a XXXX XXXX XXXX XXXX. I was transferred to another department XXXX XXXX and told me that I should under the MLA and just send in my ID and XXXX and or any other documents asked for. I wanted to send it in right away and was told to wait until after I got the loan and my vehicle fixed to do it. I sent in the documents and even emailed it and Im still paying a monthly payment with 99 percent interest. Now Im wondering if this even applies to me or was I misinformed? There should be something and or a law that protects veterans and retirees in these situations. Therefore, please do let me know if I do or do not fall under some kind of law that protects my situation from high interest rates or not and if there is something I can do or not and thank you.