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

In accordance to the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under federal codes & regulations : 15 USC 1681 & 15 USC 6802. 16 CFR Part 433, 16 CFR 660.3, and 16 CFR Part 313. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX All the corporations above are in violation of my rights. Please reference the relating federal codes & XXXXtatue regulations below : 15 USC 1681 section 602 ( A ) section states : I have the right to privacy.

15 USC 1681 section 604 ( A ) ( 2 ) section states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency can make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) section 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 USC 6802 ( A ) section states : A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

16 CFR Part 313.4 states : You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers.

16 CFR part 313.7 states : You are required to provide an opt out notice. The notice must state : that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party.

16 CFR Part 433 states : It is an unfair or deceptive act or practice for a seller, directly or indirectly, to : take or receive a consumer credit contract that fails to contain the following provision : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

16 CFR Part 660.3 ( A ) states : Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Product: Mortgage

I had lost my job several years ago, and was in danger of losing my house. I got help from XXXX my state 's entity for passing along monies from The Hardest Hit Fund. I was under foreclosure protection by being in that program when my original Mortgage holder sold my mortgage to another company. Before I was made aware of the sale, the second mortgage company IMMEDIATELY put my house into foreclosure. When I found out, I contacted XXXX who contacted them, and the foreclosure was stopped. However, the second mortgage company charged me for their legal expenses/lawyers fees by tacking an advance balance on my mortgage of about {$2500.00}, and when I appealed they said nope ... we want our money. I assumed it was resolved since I never heard back from them about their conclusion until they sold my mortgage to a third company. That 's when I started getting monthly statements that listed an advance balance. I 've contacted my current mortgage company XXXX separate times complaining about it and asking that it be removed. I contacted XXXX and the personnel there talked to my current mortgager about dropping the advance balance and the mortgager told the agent of XXXX that there was nothing to worry about that the Advanced balance is XXXX. I thought the issue was resolved but when I tried to get a lower interest rate, bam, I still had an Advance Balance of nearly {$2500.00} that had to be dealt with first ... not some new advance fee, still the amount that was transferred over from the erroneous foreclosure. I talked to them and was assured it was resolved. I 've applied for refinancing again and guess what? The advance balance was still there and at the same amount. I talked to my mortgager one more time, and was told it was going to a special research department. That was over two months ago. No communication from them and the Advance Balance of {$2400.00} keeps getting posted on every bill I receive. Since I never should have been put in foreclosure to begin with ( 1 ) Why was I charged for paying their lawyer to put it in foreclosure to begin with? ( 2 ) How can they tell XXXX there 's a zero balance and whenever I communicate with them or receive a bill the balance is {$2400.00} ( 3 ) I 've tried to get this resolved with my current Mortgage company about every 2 months for a half a year now. They assure me they 'll take care of it and are having a separate department research my issue, and yet they never give me any feedback on how my complaint is progressing and act like they never heard of me complaining when I contact them for an update. After this many attempts I can only come to one conclusion : they wo n't remove the advance balance and are throwing my complaint in the trash can/dead file every time I ask. ( 4 ) When I sell the house, I am sure they will try to skim {$2400.00} off of any moneys I have coming to me after the sale. HELP!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Last week, XX/XX/XXXX2017, I noticed with my Walmart Master card that the XXXX XXXX had lowered my credit limit. The reasons stated over the phone were that I had a delinquency on my credit report. the only reason I was told this was after spending 30 minutes on the phone with Walmart trying to get contacted to a customer service rep. This information is false and with further research I have zero. I actually have never had a delinquency. Walmart never called me nor sent me a letter stating that they were doing so. I have not had this issue with any other credit card. I also pay all of my credit cards on time and never missed one payment. This has significantly impacted my credit score by almost 14 points. I feel as though lowering my credit limit has impacted me more negatively then it would have been if they just left it alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is ignoring all my requests to investigate, verify and remove the accounts from my credit report that do not belong to me.
Product: Mortgage

My name is XXXX XXXX i have a loan with XXXX XXXX XXXX to my home in XXXX Flirda this company has not collaborated with late fee payments by paid month XXXX 2020. 

I called them to see if they had any delay program for these times and they said no. that if I did not make the payment they would charge me the late fee and there would be delays in monthly payments they would execute me with lawyers. 
Bring the check XX/XX/XXXX at XXXX XXXX  at your XXXX Florida office. There was no one person to receive the check and contact Mrs. XXXX and she informed me that she did not bother me that they withdrew the payment and credited it to the account. 

After the days the bank calls me to notify me that I had a late fee account. for late payment in XXXX. they processed the payment on XX/XX/XXXX. 

It is not fair that they charge a late fee when in these times many people find it difficult to make monthly payments due to the world situation we are experiencing. 

They notified me that no one could compel them to be considerate of their loans, that there was nothing official from the government to compel them to grant any extensions. 

I accepted that, and sent the payment on XX/XX/XXXX because they are charged a late fee? my loans are to pay until the XXXX of each month. 
If they do not have personnel to receive the payment, it is not my fault that they deposit late and collect it from me. 

please I need a verification of my case because it is an abuse of those banking entities.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Debt collection

Following up to Complaint ID : XXXX because I am still awaiting a response from Bank of America. They did not approach and respond to any of the addressed issues. Please reference the following the above Complaint ID with an adequate, relevant response to the topic at hand. I have waited more than the average response time for a company reply on the Consumer Financial Bureau twice now. I am unsure of the current status of the accounts and only approach to resolve at this point. I have been more than transparent and reasonable with this issue. 

I mentioned in the last Complaint that Bank of America charged my accounts off, which I have evidence or then threatened to sue me via mail some time ago. When attempting to resolve the issue internally on several occassions, many of which took place months and months ago, Bank of America said they could not work with me financially even after I took heed to their advice of going two months behind, which brought down my credit score significantly. Even after doing this, they still offered me no internal financial plans, options, or suggestions as to an appropiate resolve given the pandemic and my current situation during this time. 

At this point, Bank of America is appearing to once again be negligent to the situation and not being transparent in terms of their desired approach and/or proposed resolve to the debts. 

I am extremely disappointed and dissatisfied with their service and their lack of customer support and/or lack of customer solutions. If Bank of America keeps remaining negligent and not complying to Federal COVID relief laws, I will have to move on to a bank that does. 

The Consumer Financial Bureau portal is the best method of contact for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax file # XXXX, it shows the following inaccuracies : That I've resided at XXXX XXXX XXXX XXXX, XXXX XXXX, IN. XXXX, also at XXXX XXXX XXXX, XXXX, IN. XXXX and out of state at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. My employers should should as XXXX XXXX, XXXX, XXXX XXXX, XXXX 's XXXX & XXXX. My current phone number is not XXXX or XXXX. My phone numbers are ( XXXX ) XXXX and ( XXXX ) XXXX and all my security questions to identify myself belong to someone else. All 10 hard inquiries should be removed for I haven't applied for credit in extensive years now. I do not have collections w/XXXX or with a XXXX XXXX XXXX. Many accounts on my credit file were committed through identity fraud and I want them removed off my record. Companies such as XXXX XXXX XXXX XXXX, high balance {$2900.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX opened in XX/XX/2016, XXXX XXXX XXXX, opened in XX/XX/2016, XXXX XXXX XXXX  - XXXX Credit Card, opened in XX/XX/16, XXXX XXXX opened in XX/XX/2016, all four XXXX XXXX Accounts, XXXX XXXX and XXXX, as well as XXXX XXXX XXXX, opened in XX/XX/2016.
Product: Credit card or prepaid card

( XXXX ) On XX/XX/XXXX was charged XXXX for a " WalmartXXXX XXXX membership. I had cancelled a trial period within the guidelines ( before 30 days ) and should not have received this charge on XX/XX/XXXX. I called Walmart and talked to XXXX on XX/XX/XXXX at XXXX XXXX XXXX He could find no account for me and told me to dispute charge with credit card company. I did. The charge was reversed under case # XXXX. ( XXXX ) On XX/XX/XXXX I was charged XXXX again. I called and spoke to XXXX at Walmart on XXXX XXXX XXXX XXXX XXXX. Again no account could be found for me. Credit card company again reversed the charge under case XXXX. ( XXXX ) On XX/XX/XXXX I was charged again. This time the charge read " Walmart XXXX XXXX XXXX and the amount was now XXXX. I disputed the charge with the credit card company and they reversed the charge under case XXXX ( XXXX ) Credit card company told me that charges from Walmart could not be blocked ( XXXX ) I asked for a new credit card with a new number. They sent me XXXX with a number ending in XXXX ( previous number ended in XXXX. ( XXXX ) On XX/XX/XXXX I was charged yet again for XXXX. I called credit card and asked how? The answer was because the new credit card number was automatically given to Walmart. Charges reversed under case XXXX ( XXXX ) On XX/XX/XXXX I was charged XXXX again. I called Walmart on XX/XX/XXXX at XXXX XXXX and spoke to XXXX. He ( as all the others at Walmart had done ) tried to search for an account for me under my name, my email, my phone number, my address, the date of the last charge and the last XXXX digits of the credit card. He could find no account, and said his hands and those hands of the person above him were tied as far as the charges- they could not stop the charges and I need to dispute with the credit card company. Credit card reversed the charges under case XXXX. ( XXXX ) I asked to close my account completely. Credit card company said they could not do because there were outstanding disputes on my credit card. I have letters in my hand from them for every case I have referenced above saying " At this time, we consider your case closed even if we provide you with additional information. '' ( XXXX ) I just received a letter dated XX/XX/XXXX from credit card company saying that they are going to recharge me for the XXXX charge under case XXXX because I did not answer every question on a very long form they sent me ( instructions were to put NA if question did not apply, which I did ). The charge reversals still hold however for XXXX, XXXX, XXXX, and XXXX... so why is XXXX any different? They told me in one conversation that the reason that they reversed the charges is because Walmart did not respond to their request for more info to prove the charges.
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX / XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, PORTFOLIO   RECOVERY  # XXXX, PORTFOLIO RECOVERY # XXXX, XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have not given written permission to put anything on my consumer reports.

15USC 1681b PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. I request verification, Validation, and proof that the alleged debt and that the child is mine! Which would be my signature on the childs birth certificate and or a positive DNA result. 


Please reply via EMAIL ONLY
Product: Credit card or prepaid card

I filed dispute case with sofi credit card {$9.00}. I was told the case would be resolved in 3 days on XX/XX/XXXX. I reviewed a mail from SoFi dispute department named XXXX, she told me dispute denied due to no rights of recovery. Unfortunately, we have no recourse in this matter. Her phone number is XXXX. Extension XXXX. I left her voice message, she never call me back. Customer service couldn't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information about balances and on time payments is not being recorded correctly or consistently between XXXX, XXXX and Experian. All three say they only report what they are given. The Accounts say they give the same information to all agencies. The result is my credit reports and scores are not the same. This causes financial damage to me personally when I have paid my payments on time.
Product: Debt collection

This Items been removed months ago & the debt collectors ( AmeriCollect ) re added the same 3 collections back to my XXXX  & XXXX  credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are things on my credit I have nothing to do with
Product: Credit reporting, credit repair services, or other personal consumer reports

Security, finance pulled too hard inquiry on my credit without my permission, i called them an asked to take off, in which they stated its in there policy. Its against the law to run someone credit without there permission. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card

With this credit card account, I had autopay set up. On XX/XX/XXXX, fraud on the bank account that was used for autopay occurred, and as such, the account was frozen. I immediately shut off auto-pay. 

On XX/XX/XXXX, once I had a new account opened, I added a new bank account to my Elan account, and paid my statement with that account. I made sure XXXX different times that the payment was to be sent with my new checking account. I also verified the correct routing/account number. This payment was supposed to process on XX/XX/XXXX. This payment was returned. I paid off all of my other credit cards that day, and only this account had an issue with payment. 

On XX/XX/XXXX, the auto-pay payment processed, despite me turning it off ASAP after my checking account was compromised. 

I got charged a {$25.00} Returned Payment Fee despite turning off auto-pay ASAP and ensuring that the one-time payment made on XX/XX/XXXX was made with the correct/new checking account with the correct routing and account number.
Product: Checking or savings account

Navy federal closed my account in XX/XX/year> My social security retirement deposit was approved by social security in XXXX but mistakenly deposited into navy federal closed account by delay in society security system Deposit was sent to Navy Federal XX/XX/year> Social Security have requested a return of the deposit with a recall but Navy Federal have not complied with the request There has been no response or communication from Navy Federal as of today, XXXX XXXX
Product: Debt collection

I briefly had internet service with XXXX  ( XXXX XXXX ) I paid my bill in full and on time. However, during the last week of XX/XX/XXXX there were intermittent outages that eventually ended in my not having service AT ALL on XXXX and XXXX. That was the LAST STRAW for me and as soon as I had service restored I attempted to call them ( my phone is a VOIP phone dependent on internet service thru XXXX XXXX. ) I was able to cancel my service on XXXX ( when my internet service started working again. ) I immediately hired a rival company to provide my internet service. When I called on XXXX, the customer service representative apologized profusely and stated " that internet service had been out for my area and had been restored. '' He also offered to give me credit for the two days I hadn't had service. When I still insisted on cancelling my service ( I had already made arrangements with the other company to come the next day ) he then offered me an ENTIRE MONTH for FREE. I said no. He then got a bit surly and said that since I had already begun the new month I would be charged for the ENTIRE MONTH even though I had only had service for an hour when I called on XX/XX/XXXX and had not had service AT ALL on XX/XX/XXXX and XX/XX/XXXX!! 

I then received a notice from a debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. I then received a call from XXXX XXXX XXXX on XXXX and I explained what happened with XXXX and never heard from them again. 

In late XX/XX/XXXX I received a letter from a debt collector ( Credit Management L.P. XXXX ) I told a woman the same thing I had previously told XXXX and XXXX XXXX XXXX. However, today, XXXX I received notice from a credit monitoring service that Credit Management L.P. had entered a bad debt for {$49.00} with XXXX and my XXXX score had dropped by more than 100 points! 

To sum up, I DO NOT owe XXXX XXXX ANYTHING. I canceled their service when they had technical problems that resulted in my being without internet for ~ two days. And to add insult to injury, they wanted me to pay for an extra month of service when they FAILED to even provide adequate service for the short time I was with them!!