23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C. 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 consumer 's right to privacy '' Equifax and XXXX are consumer reporting agency and I, XXXX XXXX, I am the consumer. I have the Right to make sure my private information isn't shared which is backed by 15 U.S.C. 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer 's non-public personal information. XXXX, XXXX XXXX XXXX and XXXX XXXX are all financial institution by definition under this Title. 15 U.S.C. 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. '' I can tell you that I never gave XXXX, XXXX XXXX XXXX and XXXX  XXXX any my consent to furnish Any information and the consumer reporting agencies Equifax, and XXXX do not have my consent to furnish this information and they surely don't have any written consent. Any and All consent to XXXX, XXXX XXXX XXXX and XXXX  XXXX whether it be verbal, nonverbal, written, implied, or otherwise is Revoked. 15 U.S.C. 6802 ( b ) ( c ) states the " A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option. '' XXXX, XXXX XXXX XXXX and XXXX XXXX never informed me of Any Right to exercise my non-disclosure option. Not only that U.S.C. 1681 ( 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 that records convictions of crimes which antedates the report by more than seven years. These accounts are not items that are not proper things to be reported, and against the law to be reporting. 15 U.S. Code- 1681s- 2 ( 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.C. section 1681 e states, Every consumer agency shall maintain reasonable procedures designated to avoid violations of section 1681 c of this Title and to limit the furnishing of consumer reports to the purpose listed under section 1681 b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR section 1016.7 State that " A consumer may exercise the right to Opt out at any time. I am opting out of there reporting services because they have indeed been furnishing information that is against the law to report.
Product: Mortgage

We have been attempting to payoff our forbearance 2nd mortgage for 3 weeks now We can not get anyone to respond to the written requests from the closing agent At this point they are costing us potentially the lock we have on the refinance we are doing This is unacceptable- it should not take 3-4 weeks for any company to provide a payoff letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$43000.00}, XXXXXXXX XXXX  XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX Balance : {$6600.00}, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX TX ) XXXX Balance : {$1500.00}, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$14.00}, XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$5.00}, XXXXXXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$540.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$22.00}, XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

MR COOPER refuses to send my ESCROW nor Interest check. I paid off mortgage on XX/XX/XXXX. As of XX/XX/XXXX I still have not received my escrow nor interest check. I had a name change 2016 and received a letter from MR. COOPER verifying the change. I was sent an escrow check in the wrong name ( and bank will not take it. ) Called the company and was assured that a new check with the correct name would arrive within 2 weeks. When I called after that time I was told that I needed to submit documents for my name change ( which they had in the notes that they had received and noted that a letter was sent verify that the name was changed. ) The name change would take another week and then they would send a check. I escalated after the rep told me I should have taken care of the situation inXX/XX/XXXX. The Escalation Manager XXXX XXXX told me on XXXX that I would have a check that would be sent by XXXX on XX/XX/XXXX. He gave me a tracking number via email that turned out to be fake. I called back on Monday XX/XX/XXXX and spoke to another Escalation Manager XXXX XXXX who was quick to tell us that the company was human and therefore we should expect errors. She assured us she would send us an email with an update. She sent an email that confirmed the correct address but that she would have to let us know when the check would be sent. Today XX/XX/XXXX we called again and she gave us a routing number that the ESCROW would be sent via XXXX. No info on the interest payment. I still have not received the money due to me nor will I receive interest that is due to me for not having it. Yet I'm sure MR COOPER is making money off my XXXX that is due.
Product: Mortgage

I recently applied for credit and found I was denied because of some issues I had with Nationstar Mortgage back in XXXX. I 've always paid my mortgage and never had any issues until I had to deal with Nationstar. 
I had a mortgage with XXXX taken over by Nationstar Mortgage back in XXXX. With XXXX I paid my own taxes and insurance. For my taxes I was late a few times but I always got late fees and taxes taken care of. But never any problems with XXXX for 10+years. My first year with Nationstar, independent of tax issues, was nightmarish. I was sending 1/2 my mortgage payment in every two weeks to pay a little early because I read that this reduced overall cost of loan. I did this with other banks and never had issues ( if there was I could always resolve over phone ). But Nationstar could n't handle it and they kept threatening me with collections and charging me fees, regardless of how many times I worked it out over the phone with their agents. Then they assumed my tax and insurance responsibilities. I was able to block them on taking over insurance payments and I continued to make payments on taxes but they ignored this and would n't figure any of my tax payments into their bill. They also continued to send me erroneous bills. In XXXX of XXXX I wanted a correct statement before I would pay because it kept changing. Meanwhile I went ahead and finished paying off my taxes hoping to get a correct statement from Nationstar independent of taxes ( I do n't recall receiving a correct bill from them for the entire year of XXXX and my bill went up considerably when they assumed my taxes and it changed on multiple levels during the fall of XXXX ). Needless to say it was a very difficult and confusing period with them and I pleaded that they send me back to XXXX, Nationstar was making my life XXXX with their continues phone calls on erroneous charges independent of taxes. 

Here is a link to Texas XXXX : http : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved and update on XX/XX/XXXX I believe that I had a collection account hit my report for outstanding debt that I knew nothing of or had. Then I called the agency had wrong address for me and no other info at all. Says I opened in XXXX on XXXX but I've had XXXX since 2018. Also I called to dispute with agency received no help and not only did they report to my credit once they then reported 2 more times XXXX  XXXX  total of 3 times they hit my credit report and AFFECTED it each time!!!! And I know that is not legal for them to do 3 times in 1 month.
Product: Credit reporting or other personal consumer reports

I have made numerous phones throughout the past few months to Experian. I have also sent them certified letters to Experian Customer Assistance office informing them that there are 5 accounts reporting inaccurate information as well as negative information. I let them know that there are several inconsistencies with the information they are reporting and the other bureaus. They did nothing about it. I sent those letters XX/XX/2023 and XX/XX/2023 as well as on XX/XX/2023. The accounts that are reporting incorrectly are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Checking or savings account

Bank of America hold placed on my business account. This hold has restricted my access to funds, severely impacting my ability to meet essential financial commitments such as rent, loan payments, and credit card dues. Despite my efforts to understand the reason through customer service, I've received no clear explanation, only advice to wait. This is highly concerning, as I rely on these funds for daily life and business operations.
Product: Credit card or prepaid card

Last year XX/XX/XXXX, i bought a watch in XXXX watch in XXXX XXXX  mall and there is zero interest for 12 months in TD bank credit card for XXXX ..So i owed XXXX dollars and in start paying XXXX dollars a month and its auto pay, no late payment.Now XX/XX/XXXX the zero interest rate was expired and i have remaining balance of XXXX dollars only, however on the month of XX/XX/XXXX the interest kick in and i understand that but it is not acceptable that they charge my credit card account for XXXX dollars something for interest.In which i owed only XXXX. 

I dont understand why they charged my credit card is so high, it is more than 100 % intere3 charge..I escalate the issue in constumer dept and they didn't help me. 
Pls help this matter.I am being consumer helpless regarding this kind of abusing credit cards company
Product: Mortgage

I fell behind on my Mortgage in XXXX. On XX/XX/XXXX I ruptured my XXXXXXXX XXXX XXXX XXXX XXXX  and wore a XXXX XXXX until XX/XX/XXXX. On XX/XX/XXXX my employer laid me off. I started on unemployment on XX/XX/XXXX at {$370.00} a week. 

I start a new job on XX/XX/2025 with a base income of {$90000.00} and a possible incentive bonus of {$40000.00}. 

I have an XXXX XXXX XXXX for {$15000.00}. I expect it to sell in the spring. I spoke to the mortgage company, and the person there said off the record that I should get an advocate. 

That's why I'm contacting you. I don't want to go into bankruptcy. I would love a loan modification putting some payments on the end of the loan and doubling up on payment to catch up on the rest. 

Im also renting a room for a {$1500.00} a month furnished.
Product: Vehicle loan or lease

On XXXX XX/XX/XXXX The Vehicle XXXX XXXX XXXX Was totaled in an Accident by another Driver, The XXXX holder keep harassing Me and XXXX XXXX about the balance on the Car when the Insurance Company of the Other car is responsible for paying off the car, My Insurance has paid just a portion, This Company has already caused problems with Stating they never received a Declaration that the XXXX XXXX was not insured and IT WAS, and they charged MORE on the Vehicle, then they charged Company Name, At this time XXXX XXXX  was not able to go back to until The Middle of XXXX, And They still want Us to set up another payment, I myself is On XXXX and trying to make Ends Meet at this time, With XXXX, Also He, The Car Is Totaled, not in our possession, And they keep stating what WE NEED TO DO, We are still trying to get XXXX Caught up from XXXX XXXX being out of Work and Apparently they seems not to care and reporting non payment to my Credit And as of today XX/XX/XXXX, I received another email of what we needs to do, I am NOT setting up payment plan with my bank, at this time due to XXXX XXXX and XXXX XXXX XXXX We have been harassed my this company over A year, And Having XXXX I am tired Thank You XXXX XXXX XXXX
Product: Debt collection

I sent a letter requesting validation of the debt and they refuse to respond, or speak to me at all. They told me that I needed an attorney or to have my attorney call them. I told them 6 different times I did not have an attorney to represent me. They have refused to correspond with me and will not remove the account from my credit bureaus. The original creditor even stated the account was a XXXX balance. I have been trying to remove this account to the point I even agreed to settle it to get it off of my reports and they will not tell me any information at all. PLEASE HELP!! I am trying to provide a home for my family and this has been a complete hinderance. I can not resolve the debt when they refuse to give me any information or speak with me. I just want this collection removed from my credit.
Product: Credit reporting or other personal consumer reports

Lexus nexus has been reporting my credit report and has inaccurate information which is causing a hardship in trying to recieve credit.

I have opted out and froze my Lexus nexus from reporting information regarding my credit report to 3rd parties and they still are reporting dispite my attempts to lock my Lexus nexus from future use
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ; ( XX/XX/year> )
Product: Credit reporting or other personal consumer reports

The late payments do not align with my consistent payment record. I request that they be removed and my account be updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to remove a tax lien from the Ohio attorney general that appears on my credit report. EQUIFAX is refusing to remove the tax lien from my credit report. Expungement/cancellation documentation regarding the removal of the tax lien was sent to EQUIFAX by the Ohio attorney general on  XXXX ,  XXXX ,  2017 . I reached out to EQUIFAX on  XXXX   XXXX ,  2017  to inquire as to why the tax lien has not been removed. An agent over the phone indicated that they have no record of the withdrawal letter that was sent by the state of Ohio. ( Lies ) Furthermore, I have had many problems with EQUIFAX regarding the removal of inaccurate information on my credit report. This lien needs to be removed from my credit report immediately.
Product: Checking or savings account

I Just have opened an savings yield account here on American Express around 3 years ago for maintain my savings there with a plus of percentage yield on this personal savings bank account and make a deposits for around XXXX for maintain there as a savings without make anything but today tried to access on my account and just not working anything, tried to change password and just appears error, called and no information about my account there and support just not offer any information about my money or my account there or how acces to my account with my credentials or something, so this bank have a unfair situation with me and my savings so I need help with this situation or attention on this because is my money there without any explanation that what happened!
Product: Debt collection

Almost all of these corporate businesses double dip and hope that we the natural living people have been conditioned well enough by their XXXX XXXX, to pay them a second time. Please, excuse my ignorance prior to, but you all are out of your corporate mind to think you would get away with this. On top of that, I have been harassed by representatives from BRIDGECREST ACCEPTANCE CORPORATION. They contact me multiple times, send 3-4 texts a day, call from 3 different phone numbers and threaten to take MY PROPERTY, and send emails 3-4 times a week. Whats even crazier is that they work closely with XXXX XXXX XXXX XXXX to coerce people into making payments that are already paid as they are obligations of the United States according to XXXX XXXX. XXXX put, they simply capitalize off of natural living persons knowing what they are NOT knowing. Just evil. 
Ive spoken to multiple reps and asked them to send me a TRUE BILL and DOCUMENTARY EVIDENCE instead of an itemized ( statements online ) list of when my alleged debts are due. What they send is certified mail that is stuck to my door, for any and everyone who passes to see. Please understand, I know you are aware that a statement documents what was due and paid, whereas a TRUE BILL represents only what is due. I KNOW BRIDGECREST ACCEPTANCE CORPORATION aka the Bank has direct access into these Cesta Que Trusts and all they needed was my name, social security number and signature to start their FRAUDULENT ACTIVITY. According to the BILL OF EXCHANGE via HOUSE JOINT RESOLUTION 192 on XX/XX/1933, no one in XXXX has been able to lawfully pay a debt. Payment of debt is now against congressional Public Policy. Henceforth, every debt obligation shall be discharged. So why do you continue to proceed on the collection of an alleged debt when you know it is against the law? FRAUD -by definition is- wrongful or criminal deception intended to result in financial gain. AND doing business with XXXX, XXXX who willfully and knowingly choosing not to disclose certain information is fraudulent and misleading pursuant to 15 USC 1601 ( a ) which is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid uninformed use of credit, and to PROTECT the consumer against inaccurate and unfair credit BILLING- which I am CLEARLY a victim of.
Product: Bank account or service

3 years ago I was placed in charged of my Grandfathers bank accounts. He passed away a year later and everything was placed into my name from Wells Fargo. They had his assets divided into XXXX accounts and told me it was best if I did the same and only withdrew from XXXX. I noticed that everytime I with drew ( even though I made it clear I wanted a cap on what could be pulled! ) they would charge me. They opened a credit card in my name that appeared in my account suddenly and began overdrafting me from that account. Even though I clearly had enough money in all my other accounts. When I asked why they stated it would help me build credit since I am a student, but i declined! 3 times ALL my account numbers have changed now. I do n't know about banking and admit I listened to their advice! They charge me sometimes from multiple accounts several days in a row for overdrafts that I asked to pull from an account that is positive. I only own XXXX card but have things pulling from XXXX accounts, plus I was told to stay in this XXXX Savings account but do n't know why and this high yield savings account also, but do n't know why! Plus I can not understand why they unatttached my regular bank account as my back up over draft account and made it into a credit card!! I am confused. 2 weeks ago a new card appeared and I am almost out of money!! I never asked for any cards and HAD plenty of money to cover myself before I ASKED Wells Fargo to help me.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding LVNVFUNDG for their failure to provide a written agreement regarding an alleged debt. On XX/XX/year>, I requested from XXXX a copy of the written agreement that they claim I signed, which would validate this debt. To date, they have not provided the requested documentation. 

This lack of response is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to receive validation and verification of alleged debts. The companys failure to produce the necessary documents has caused confusion and concern, as I am unable to verify the legitimacy of this debt. 

I kindly request your assistance in ensuring that XXXX complies with the FCRA and provides me with the requested written agreement or removes this unverified debt from their records. 

XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this public record and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this public record immediately.
Product: Credit card or prepaid card

XX/XX/XXXX made pmt for {$250.00} using my mobile app that I use every month XX/XX/XXXX made a payment for {$270.00} using mobile app as well. The payment for XX/XX/XXXX was never applied to my account just the payment XX/XX/XXXX was applied correctly. Called Capt one and they issued a temporary credit while they investigated. I get a letter stating they need proof from bank of transactions. To which I fax my bank statement received directly from my bank. ( the printed out and showed both payments dates amounts and to whom they were paid/capital one ). I call to confirm received as well as have a fax submission with their info that shows successfully faxed XX/XX/2019. Then I get another letter stating they are removing temporary credit because they didnt receive said requested info. I call capt one again and speak with emp # XXXX XXXX ( not very nicely per my frustration of having to fix their error ). He continues to offer no assistance on what else I can provide as proof and states what they received is not valid and they are closing the dispute. I have had my Cabelas card for more than 8 years and never had one issue until her recently when capital one took over as card services for Cabelas club cards. I want resolve and Capital one just wants to steal peoples money and not fix issues they caused, even after proof received.