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  Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX, has violated my rights. 
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

I'm complaining about Newrez ( Loan Servicer ) My Loan # XXXX Mortgage Loan in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my mortgage loan servicer changed from XXXX XXXX to Newrez. 
Newrez failed to provide me the correct tax form that shows interest paid during XXXX. 

I'm a Puerto Rico resident, which is a US territory and Newrez should know that Puerto Rico has a different tax code and they must send me form 480.7A instead of Form 1098. 

Without that form, I will be unable to file my income tax return, which mandates to provide Form 480.7A. 

Newrez has a chat service that I used on XX/XX/XXXX to ask for the correct form and they told me that I that Form 1098 was the equivalent of what I asked and that is not correct. ( See Attached email with chat transcription ) Then, the same day I wrote an email ( See Attached ) to Newrez using my loan consigner email to explain why they must send me the correct form, and as of today XX/XX/XXXX I have not received a response from Newrez. I even sent them a copy of the correct form 480.7A that the previous servicer ( XXXX XXXX XXXX sent me. ( See Attached ) In summary, Newrez is failing to comply with sending me the correct tax form information as a Puerto Rico resident having a mortgage loan from Puerto Rico.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item i am asking you to verify as accurate : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit card or prepaid card

Back in XXXX my wallet and my cell phone were stolen out of my car along with other things. All of my private information was on my phone and they were able to create a fraudulent XXXX account in my name which has already been shut down. However I noticed back in the beginning of XXXX that there were some transfers to that account that I didn't make. The first transfer was on XX/XX/XXXX for the amount of {$390.00} and the other was the next day XX/XX/XXXX for the amount of {$99.00}. as soon as I noticed the charges I submitted a dispute with Cash app for both charges on XX/XX/XXXX and they denied both disputes. When I asked for documentation on why my disputes we're denied they sent me a form that shows what the charges were for and the amount of the charges but no info explaining how I would be liable for the unauthorized charges that were made fraudulently on my account. I have since then opened another dispute on the same charges and have contacted an attorney and contacted cash app support on multiple occasions and they are refusing to issue the refunds which I am entitled to according to regulation E. I've attached all of my supporting documents as well.
Product: Payday loan, title loan, or personal loan

In XX/XX/2018, financing for furniture through XXXX XXXX here in XXXX, Florida was obtained through verbal agreement and one signature for delivery service with a salesman. Financing was to begin XX/XX/2018, through American First Finance, in the amount of {$380.00} for 6 months until furniture was paid off. After said 6 months of payments had passed we were informed another {$5000.00} was due in FINANCE FEES AND THAT THIS WAS AGREED UPON BY ELECTRONIC SIGNATURE. None of this ever happened. No documents were ever disclosed, provided, or any other way conveyed. Terms and conditions of an unbelievable {$5000.00} finance fees were absolutely never mentioned, and no further information was ever provided other than a paper with payoff amount and amount of monthly payment, which is taken out automatically. When electronic signature page was requested, in no way was this his signature, electronic or not. Never before have seen an electronic signature in this fashion. Purchase was made through XXXX XXXX here in XXXX, Florida. Complaint against them as well as American First Finance Company. Both establishments have been contacted and we have been summarily and rudely dismissed stating that " maybe we just forgot '' about the financing!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this collection XXXX XXXX XXXX / XXXX XXXX XXXX XXXX, it keep coming back as verified and that is all ( XXXX  ) ( XXXX ) responses. please you check into this. and also delete these unknown inquiries I've listed. I've already reported this XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was buying a dog from a person using cash app and he ended up not giving me any services and I tried calling cash app and i Had the emails and text messages that services were not provided i tried calling and no response and or help i submited a ticket with the XXXX to help stop that individual but no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion, XXXX and XXXX via certified mail starting XXXX after pulling my credit reports to update incorrect information on my credit report. One of the accounts in dispute was for XXXX XXXX XXXX and showed as a repossession on my credit file with all three major credit bureaus. For over a year now, XXXX XXXX XXXX continues to " verify the account as accurate '' without providing me the documents necessary to validate this account. This account is not mine however the credit bureaus insist on accepting the false verification from XXXX XXXX XXXX without any documents proving the validity of the account. I have sent XXXX letters ( On XXXX XXXX, on XX/XX/2021 and on XX/XX/2021 ) and XXXX XXXX XXXX has refused and or ignored my requests for proper documentation representing this account is accurate and of my responsibility, yet they report it as such.
Product: Credit card

In Mid XXXX I rented a car from XXXX XXXX XXXX XXXX XXXXXXXX, and they asked for {$1000.00} dollar hold as a security deposit in case of accident. I used Ally credit card to pay the XXXX. XXXX XXXX  said the money would be credited back within 15 days of returning the car. Couple of weeks passed, and I noticed in my credit card statement still showing that I owed XXXX. I contacted the merchant and they said they refunded the money to Ally. I filed a dispute with Ally and they denied saying that they did not received any credit from.XXXX  So, I contacted XXXX and they comfirmed that they returned {$960.00} dollars on XXXX XXXX to Ally because some final fees were deducted from the deposit hold. I called Ally again and explained that the amount owed was XXXX, Not XXXX, then the Ally CSR said that the transaction from XXXX was never credited because XXXX made a mistake, they did not enter the dollar amount. Ok, so at this point I am like in a limbo. I emailed XXXX corporate and they assured that they indeed credited the money and they emailed me 3 different receipts as proof that they refunded the money. Since I had enough evidence, I submitted an appeal with Ally, i submitted a letter with receipts, emails and evidence to sustain my claim and on XX/XX/year>, Ally denied my dispute because now they are saying that at first I disputed {$1000.00} and the second appeal {$960.00}. Off course I was not aware that XXXX deducted money from my deposit, I did not have receipts until last week. I have been fighting this for almost 3 months and I know that Ally wants to keep money. This is fraud, predatory practices, they keep charging interest and messing up my credit score.
Product: Consumer Loan

I am preparing to return a leased vehicle financed through Ford Motor Credit ( FMC ). FMC subcontracted AutoVIN to perform a lease end inspection. According to this inspection, I am responsible several repairs totaling {$580.00} that do not fall under " normal wear and tear. '' One of the charges for {$220.00} is to repair a " XXXX inch scratch '' on the front bumper. The picture provided with the inspection, clearly shows that this is not one XXXX inch scratch, but a series of smaller scratches that I should NOT be charged for according to the information provided by FMC. I have called FMC a total of 6 times to try to speak with someone to try to resolve my dispute. Each time I call FMC I am told they will look into it and they will call me back. They never call me back and FMC is clearly just delaying things until I am required to return my lease.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQIFAX IS REPORTING MY WRONG DATE OF BIRTH. I HAVE HAD ISSUES COMPLETING MORTGAGE REQUIREMENTS, I SPOKE TO EQIFAX VIA PHONE, TO EQUIFAX ABOUT REMOVING BLOCKS FROM MY SCORE AND THEY STATED THAT EVERYTHING WAS IN EXCELLENT CONDITION, NOW THERES IS A FLAG ON MY REPORTTHERE IS A WRONG BIRTHDATE. THIS IS RECENT AS OF TWO DAYS AGO. I CONTACTED EQUIFAX ON XX/XX/XXXX AND HAD THE BLOCK REMOVED XXXX confirmation number, NOW MY BIRTDATE IS REPORTING WRONG. MY BIRTHYREAR IS LISTED AS XXXX. It is XXXX, it JUST HAPPENED. MY CREDIT CONUSMER REPORT HSA BEEN COMPROMISED. I WAS INFORMED THAT MY TRANSUION REPORT HAS BEEN TEMPERED WITH ALSO, THIS HAS BEEN DONE BY OUTSIDE ENTITIES IN THE FORM OF GROUPS WHO ARE RETALIATING AGAINST MYSELF.I DONT KNOW WHY MY BIRTHDATE/BIRTHYEAR ISREPORTING FALSE INFORMATION AFTER 4 DAYS
Product: Debt collection

Unknown, unverifiable and outdated. I have done business in the past years ago with this company and accounts showing in good standings except for XXXX. Disputed with no outcome. Please help assist me.
Product: Credit reporting or other personal consumer reports

I have been a Victim of Equifax data breach. 
Equifax is still willingly, and wrongfully reporting non accurate information on my consumer report Account : XXXXXXXX XXXX  XXXX Date XX/XX/2020. Equifax still reporting non-mailable address XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Debt collection

Called after XXXX on XXXX XXXX 2016 and I feel that I am being harassed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have excellent credit for both home and auto, however Lexis Nexis reported incorrect scores to my car insurance company XXXX  XXXX XXXX XXXX XXXX due to an error reported to the credit bureaus in XX/XX/XXXX as a result of my doing a balance transfer from one credit card to another in order to reduce my interest rate. 

I had requested that LexisNexis run my credit and auto scores 90 days prior to my car insurance premium renewal for my insurance company because I felt my insurance premium was too high. LexisNexis came back with the incorrect scores due to the balance transfer error. In turn, my insurance company raised my car insurance premium rather than lowering it. 

When I found this out I filed a Direct Dispute with XXXX who had said my scores as of early XX/XX/XXXX were Credit XXXX and Auto XXXX. XXXX then looked into this and XXXX corrected the scores as of XX/XX/XXXX to read XXXX XXXX and XXXX XXXX and as of XX/XX/XXXX for both XXXX and XXXX. As of XXXX they are currently XXXX. 

I then contacted LexisNexis XXXX XX/XX/XXXX, their reference # XXXX and appealed to them about these errors and requested they use my correct scores going back to XX/XX/XXXX, since had there not been an error made, those are the scores they would have used and reported to XXXX XXXX. LexisNexis refuses to use them and my car insurance company claims they can not discuss anything about my credit with them and therefore they can not use the new scores to reduce my premiums. The lower credit and auto scores, XXXX and XXXX, are causing my car insurance premiums to increase rather than decrease. XXXX has my credit score at XXXX as of XX/XX/XXXX which is even higher than XXXX and XXXX, and, my auto score as of XX/XX/XXXX, was XXXX. 


Since my credit and auto scores were lowered through no fault of my own then readjusted to reflect the correct scores, I strongly feel that my insurance premium should reflect my much higher scores. There is a big gap from Early XXXX to XXXX. What LexisNexis is refusing to do for me, a XXXX year old Senior citizen on a fixed income who was empoyed by the federal government for 30 years and who hasn't seen a cost of living increase in the past 3 years and most likely will not see an increase in XXXX is shameful. 

A copy of this went to The Florida Attorney General, XXXX XXXX, the Florida XXXX XXXX, LexisNexis and XXXX XXXX XXXX XXXX XXXX. I have not heard back from anybody except the Department of Financial Services instructing me to submit a claim to you.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all XXXX credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts : Account Name : XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Mortgage

XXXX RP Funding responded to my original complaint stating that flood zones change and the property has been deemed to be in a non flood zone. Since the structure is not effected and not located in the flood plain, the decision was made to cancel the flood insurance requirement and/or any force placed coverage. 
XXXX I called RP Funding inquiring about the escrow account not being credited for the {$2400.00} since the property is no longer required to have flood insurance. The response was that the FEMA maps that they acquired days prior was for the current flood insurance requirement. I asked if they had looked at the FEMA maps that had been provided via snail mail, email and FAX by myself, XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX. XXXX, in the insurance department stated that it is my responsibility to provide them with the FEMA maps that would have been in effect from XXXX. I went to the FEMA website and obtained the maps that RP Funding demanded I provide to get the forced-placed flood insurance policy refunded. In my research the flood map for my property has not changed since XXXX. Therefore the maps acquired are the same maps that they have which should be in my file numerous times and a copy was even included at the time of closing. 
XXXX I composed a letter expressing and detailing what I am making a formal complaint about now. I submitted FEMA maps both by email and FAX.
Product: Credit card or prepaid card

My complaint below is with XXXX XXXX NOT Walmart - Just checked my Walmart accountI mailed a payment in XXXX. It was cashed by your bank on XX/XX/XXXX. I faxed a copy of the cashed check, front and back on XX/XX/XXXX. The funds have still not been applied to my Walmart account. I expect the funds to be correctly applied to MY account, all late fees and interest assessed to my account be credited and this to be done immediately. I work for a bank. With a copy of the front and back of a cashed check we credit funds to our customers within 1-2 business days. The time-frame given to me when I called about this was 30 days. That is utterly unacceptable when you have my money. There was no research you had to do. I did all the work in finding when the check was cashed and getting a copy of it before contacting you.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) sections 602 ( a ), 6801, and 1681, consumer reporting agencies like XXXX and Experian must handle their duties fairly, impartially, and respect consumer privacy. As a consumer, I have the right to prevent sharing of my private data without consent, as stated in 15 USC 6801. 15 USC 1681 section 604 ( a ) ( 2 ) mandates that consumer reports can only be furnished with the consumer 's written instructions.

Financial institutions, considered furnishers of information to credit agencies, must respect customer privacy as per 15 USC 6802 ( b ) ( c ). The FCRA prohibits disclosure of nonpublic personal information without informing consumers of their nondisclosure options ( 15 USC 6802 ( b ) ( c ) ). XXXX and Experian failed to inform me of this right.

According to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies can not include adverse information without authorization, violating the seven-year reporting limit. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information, and 15 U.S. Code 1681e mandates reasonable procedures to avoid FCRA violations, which XXXX and Experian are not following.

As outlined in 12 CFR 1016.7, I retain the right to opt out of these reporting services at any time, which I am exercising now