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

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. '' Equifax and XXXX and XXXX 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. '' XXXX. XXXX 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. '' XXXX. XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX. XXXX  whether 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. XXXX. XXXX 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. Equifax and XXXX and XXXX are 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.
Product: Credit reporting or other personal consumer reports

Despite my submission of supporting documentation, I have not received a satisfactory resolution, and the inaccurate information remains on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes and ensure the accuracy of reported information. Given the lack of resolution, I request a detailed explanation of your findings and any evidence used to verify the disputed item. If the issue is not properly addressed, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies.
Product: Debt collection

This debt is in regards to a debt incurred due to economic abuse. In Maine as a victim of economic abuse as defined under the law I am protected and looking to exercise my rights under the law. I have made numerous attempts and sent in multiple copies of documents I am required to send in. Spent hours on the phone looking for the right place and help to get this matter resolved, with no real effort or appropriate action taken by this company. I have done what I am supposed to do, maybe this will be the way to get this urgent matter resolved before taking further legal action.
Product: Debt collection

On XX/XX/year> I sent a certified dispute letter to Caine & Weiner in regards to a collection account that they are actively reporting to the credit bureaus in the amount of {$1300.00}. Certified tracking number XXXX shows it was delivered on XX/XX/year> at XXXX. As of today they have failed to respond to the letter and are in direct violation of the FDCPA.I requested validation and proof that the debt is legally mine by asking for a contract, promissory note or agreement with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( SERVICE XXXX  XX/XX/2023 XXXX BANK XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Checking or savings account

Charged for atm fees from provider mobile banking + atm fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}
Product: Debt collection

I am writing to you because I am at my wits end. Attached is a letter I wrote to XXXX to try and resolve this without going to your organization, and they aggressively told me to pound sand. All of the salient facts in the matter are included in the letter, so please review. I think that companies reporting to the credit bureaus are unscrupulous and unfair. This account has been held by many creditors. First XXXX, then Global Payments, then Cavalry, now XXXX, XXXX, and XXXX, a law firm here in XXXX. I believe what they are doing to me is unethical at best and unlawful at worst. They keep reporting my debt as a new one yet the last time a XXXX was used by myself or my family was at least 8 years ago. How can they legally do this? I am contesting the validity of this debt. My problems began with XXXX. I attempted to close the account in 2006 and they refused to allow me to do so until I committed to a payment plan. In retrospect, I should have terminated all contact with them right then and there, but as is my want, I attempted to appease them. I believe they charged the account off that year and then sold it to the next firm, who sold it to the next, and the next. How long can they continue to report this debt to my credit report? As you can see in my letter to XXXX, I believe strongly that they have been keeping this debt alive as a methodology to scare me into settling a debt that I dispute. Please investigate to see how many of the charges they claim are actually usury interest rates and late fees. I can assure you that this is the lions share of the debt. It is predatory and deceitful. I am hoping that you have enough information to get resolution on my behalf. Thank you in advance for your efforts to rectify this matter! You are my last resort!
Product: Mortgage

XXXX XXXX closed on this loan with the sale of this property ... .. XX/XX/XXXX for amount of {$78000.00}. 

The account is still showing as open and I am billed monthly for a payment which is on an automatic withdrawal. I have faxed several 'signed ' documents to them providing proof of closing and several other documents from the title company and forms that they have provided. 

I have been dealing with this since XXXX of XXXX spoken to several agents including an escalation to their 'Executive Resolution Desk ' with a conversation on XX/XX/XXXX assuring me that the issue was going to be resolved stating that I would receive a call back to confirm ... no one ever called back. This happened on at least 2 occasions ( promise of a callback. ) I called again today XX/XX/XXXX and spoke to 3 agents. One person from management, she stated that I needed to fax the Payoff Statement again because there was no record of it showing on their system. I faxed it on XX/XX/XXXX at XXXX and have the fax confirmation provided to me at one of their branches. 

Every time I call I receive a different story and the runaround. No one in the HELOC department at this credit union seems to know how to handle this issue.
Product: Debt collection

I have received collection letters from Medical Business Bureau with a PO address in XXXX XXXX, IL and a phone number of ( XXXX ) XXXX attempting to collect a medical bill in the amount of {$1600.00}. Although I did receive the service they referenced on XX/XX/year>, I never received a bill for this charge. I have now discovered this is a bill from a physician on duty at the hospital and the bill was erroneously sent to the insurance XXXX with incorrect information. I was covered under an HMO at that time and would not have been responsible for any payment for services rendered as only a co-pay was required and was paid at the time of service. 
This collection agency now reported this bill to the credit bureau resulting in a XXXX point reduction to my credit score. They have refused to work with any urgency to remove this negative mark on my credit despite the fact that they now know that the physician 's office was at fault for the incorrect billing. I am not at fault and have demanded that the not to the credit bureau be rescinded immediately but they refused to act with any immediacy. 
Didn't POTUS just issue an EO banning medical bills from affecting a citizen 's credit score? I have earned an over XXXX score over XXXX  years of prompt payments without any blemish until today.
Product: Credit card or prepaid card

Through a XXXX XXXX rebate program in XXXX, I was mailed a {$100.00} visa prepaid card. The card was issued by XXXX and the account info was managed by XXXX. The card was issued with only a 6 month expiration window and has subsequently expired at the end of XX/XX/2018. I never used the card so the entire {$100.00} balance should still be on it, but was told the card could not be reissued and that all of the funds were forfeited. Given the funds were never used and the expiration window was so short, I am hoping to somehow get the funds reissued.
Product: Student loan

On XXXX XXXX, 2017 I submitted a signed annual Public Service Forgiveness Employment CertificationForm and called FedLoan to confirm my form was received. I was told it takes 10 business days to process. Approximately 10 business days later I called to get a status on my form. I was told it takes 15 business days and to call back and check the status again. I then asked to be transferred to the department that handles the processing of this form. The person I spoke to in the department said she looked at my form and that everything looked good and that it could take a few more business days to process. On XXXX XXXX, 2017 I called again to check the status. I was told by the person that answered the phone that it takes up to 60 business days. I asked to be transferred to a supervisor to get clarification on why the timeline processing keeps getting changed. The supervisor I spoke to looked at my formand said that on Section 3 number 3, I did not input the city and state of my employer. He asked that I resubmit this form with the city and state in that section even though it already contained street address and zip code. I then asked him if the city and state could be derived from the zip code that was in the form of that section. The supervisor told me the zip code did not matter. After getting off the phone I tried to utilize their automated system to complete this section but it did not allow me to enter city and state. It only allowed me to enter street address and zip code. I called again the same night and spoke with XXXX ( employee XXXX ) and asked if I could transfer to someone that works with processing the form I submitted. She refused to transfer me and said no one from that department takes phone calls. I then asked to be transferred to a supervisor. She also refused and said that everyone went home and I would have to try again the next day. I tried explaining my situation with entering the city and state and she said that I had to do what the supervisor said to do on the previous call. I continued to explain that their automated form did not allow me to enter city and state. She refused to try and help me. Her only advice was to print and write city and state on the form and resubmit. I took her advice and wrote in the city and state in that section and resubmitted the form. I feel that the form is still going to be found unsatisfactory even though I have done everything they have asked me to do. They are finding reasons not to process my paperwork in a timely manner.
Product: Mortgage

I have a letter from XXXX consumer services of an agreement from XXXX for a modification on my Home Equity loan dated XX/XX/XXXX. The modification was for 2.00 % fixed for 240 months. Recently XXXX sold my loan to SLS ( Specialized Loan Servicing ) SLS is stating that my interest rate was 2.00 % and now going to 3.25 % because it 's a variable interest rate. I was under the impression that i had a loan modification for 2.00 % fixed for 240 months. Can you look into this for me or let me know another contact? My contact previously was XXXX XXXX XXXX PH : XXXX and i 'm not sure if he 's still at XXXX. I also have a case number from Consumer Financial Protection Bureau ( CFPB ) case # XXXX that was in a letter sent to me by XXXX XXXX. SLS has also not explained why the interest rate has moved up from 2.00 % as the prime rate has n't changed for a few years and it 's still 3.25 % according to XXXX XXXX XXXX prime rate By XXXX as of XX/XX/XXXX. I 've been paying at 2.00 % interest for years with XXXX before they sold my equity loan to SLS. I 've contacted XXXX and SLS with no resolution. My last contact at XXXX was on XXXX XXXX XXXXXXXXXXXX. Workflow Supervisor Lending Services-default Management XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX ( office ). He emailed me stating that he would send the settlement information from XXXX to SLS, in case SLS misplaced the modification. I asked for a signed copy of it and have n't got a response from him. SLS customer service number is : XXXX. Left message and they have n't got back to me either.
Product: Credit reporting or other personal consumer reports

My original dispute began on XX/XX/, experian provided me a letter stating the inaccuracies I disputed were verified by the furnishers, I then requested a reinvestigation with experian on XX/XX/XXXX  which gave them an additional 15 days to reinvestigate these inaccuracies. Experian replied has taken more than 15 days to reinvestigate these inaccuracies and has not followed the rules of the FCRA of performing a proper reinvestigation. They have not contacted neighbors, friends, or family of mine for their reinvestigation or me, which makes their investigation unfair and partial. Failure to willfully comply with the requirements of the FCRA will lead to civil liabilities pursuant to 15 USC 1681n.
Product: Mortgage

Wells fargo home mortgage has improperly handled the servicing of my mortgage loan resulting in unnecessary large amounts of fees added to my loan, default of my loqn payments, and forcefully leading to an separate case of active forecosure each year for the past 3 years. Wells fargo has done this by not properly applying the payments i submit, reversing and reapplying payments innapropriately and without my knowledge or consent, refusing to acknowledge my requests for detailed explanation of the questionable acts applying to my mortgage servicing, refusing my payments in person, by phone, and online blocking my access to pay. Also, The very important and private information such as statements, including default related notices, and foreclosure related information was being mailed to an address which was never mine, at any point or never had I been associated wi H this address, resulting in months of valuable and confidential information regarding my banking and mortgage servicing being lost in the mail and never received by me. Additionally, not having a sensible explanation for why my address was changed without my knowledge or consent. Wells fargo also has forced the improper foreclosue status on my loan by not accepting my payments, even the whole defaulted and past due amount they improperly are requiring I pay in order to bring my loan current. There is always a new representative who i have to explain my whole background to, answer all the same questions of updating all my information several times daily as I am transferred from department to department and ultimately getting no resolution except to call back tomorrow, which results in the same behavior of wells fargo putting off my ability to have my account in good standing.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have rights to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ), credit card Opened at XXXX  on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX  on XX/XX/XXXX Account number XXXX, A credit card XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ). A credit card account XXXX on XX/XX/XXXX Account number ( XXXX ). A XXXX  public record account XXXXXXXX XXXX XXXX on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, my personal information has been compromised and used without my authorization. I am requesting that the following fraudulent accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Block and Delete : XXXXXXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXXXXXX  - Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized fraudulent inquiries reporting on my transunion personal credit file that I do not recognize
Product: Mortgage

Our mortgage was sold from XXXX to Lakeview. Since the mortgage was sold, our property tax hasn't been included in our payment for escrow. We have paid the property tax since XXXX after we received a delinquency notice from our county. Since XX/XX/XXXX I have tried to get Lakeview to adjust our escrow and payment account to include the property tax, which should be because it is an FHA loan. All they do is say that it will be done by a certain date and it never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute on XX/XX/2023 to all 3 credit bureau. About the inaccuracies on my credit report for {$910.00} XXXX XXXX. Equifax responses back saying the account were updated. Which they werent. They said all information is correct. I resubmitted another dispute showing all of the inaccuracies for that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am THE CREDITOR and given the right by god himself 15 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds.

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting.

Anything after the acceptance of this letter is going to be considered 15USC 1602 ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.