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

in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX I submitted a dispute with Experian to remove XXXX account # XXXX from my credit report. They have not provided me a Certification of accuracy of information so they have deleted the whole account on XX/XX/XXXX. In the month of XX/XX/XXXX, I have reviewed my report. I have notice that this XXXX account has been Re-inserted on my Experian credit file. I have not recieved a written notification from the creditor. I have submitted another letter to them again with deleted proof to inform Experian that this deleted account has been re-inserted without written notification and they have remove this account once more. Around XX/XX/XXXX, I have reviewed my credit report and notice that this XXXX Account # XXXX has been re-inserted back on my Experian credit report again without written notification. I would lie this Account to be removed for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A COMPLAINT TO EXPERIAN THRU THE CFPB AND THERE RESPONSE IS THAT I DID NOT SUBMITT MY OWN COMPLAINT. ONCE AGAIN, I AM A VICTIM OF IDENTITY THEFT PLEASE SEE MY FTC REPORT AND MY SOCIAL SECURITY CARD AND DRIVE LISCENSE COPY
Product: Checking or savings account

On XX/XX/2021 I called Bank of America to ask about overdraft fees. I knew my account was overdrawn & wanted to know if I could mitigate the damage. 

I specially asked about posting order of transactions. The agent said there was no way to know what order the transactions would post to my account. 

On XX/XX/2021 I called to ask about the 3 overdraft fees that were assessed to my account. I asked why the transactions were posted in an order that charged me 3 overdraft fees when they could have been posted in an order that would only have charged me 1. The agent & supervisor both very specifically explained the exact process and methods used to determine posting order. Information that was intentionally withheld from me the prior day. 

On XX/XX/2021 I specifically asked the supervisor I spoke with XXXX ( sp? ) which government agency I contact to file a complaint about the fees assessed on my account. She said they are not governed by a federal agency. She told me there wasn't anywhere I could file a complaint about the fees that were assessed. 

I contend that Bank of America intentionally withheld information to mitigate their risk of loss and increase their profit margin. I stated in my call on XX/XX/XXXX that it was very unlikely that I would be able to fix the entire overdraft and bring my account to a XXXX  balance. I deposited as much as I could hoping for 1 overdraft fee as opposed to 3 or 4. Bank of America should have helped me make a more informed decision about my overdrafted account. 

On XX/XX/2021 I called asking for help making an informed decision about my account and the overdraft status. Bank of America provided me with limited & incorrect information to serve their best interests. On XX/XX/2021 Bank of America stated that the incorrect information that I was given was irrelevant to the fees that were assessed. They did not care because it did not create a cash flow problem for them. The misinformation did not hurt them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I disputed that XXXX, XXXX and Equifax are reporting a inaccurate account. They are reporting a XXXX / XXXX charge off account with different, Date Opened, High Credit, Credit Limit, Last Reported, Date Last Active, and Date of Last Payment. The fair credit reporting act 15 U.S code 1681 state that a consumer report must be accurate. They are not reporting my credit report accurately. I have attached a copy of my most recent credit reports from all three agencies as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint against Experian, XXXX, and XXXX. These companies are reporting false information on my credit report and those accounts need to be removed NOW. I sent a letter to all three credit bureaus with proof that they are reporting incorrect accounts on my report. They have not done a thorough investigation! While reviewing my report I am still seeing this FALSE information being reported. I've attached a letter from the Bankruptcy Court advising that they do not share information regarding Bankruptcy and XXXX XXXX is not reporting a Bankruptcy! So how is this information accurate? Your companies is illegally breaching consumers information! DELETE these accounts now as they are not accurate nor verified! 

+In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX 
Account number:XXXX  Account name : XXXX XXXX XXXXXXXX XXXX XXXX  Account number:XXXX  Account name : XXXXXXXX XXXX XXXXXXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  Account name XXXX XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXXXXXX XXXX XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX XXXX Account number:XXXX 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Are you familiar with the 15 U.S.C Sec. 1681i ( a )? Ive learned that if you cant provide proof, these accounts must be deleted.

They also violated my rights numerous times!

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Money transfer, virtual currency, or money service

I had went onto my Cash App and they have said that my Cash App account was deactivated for suspicion transactions when I called them and I asked him what was the suspicion transaction. They said that they dont know that I just popped up on their computer saying that I did, but they dont know why winner or what it was that made it suspicion.
Product: Debt collection

I was doing a general search online and discovered a judgement against me in  XXXX  County that I was never aware of.   The suit gave them a default win because I was not present to defend myself because I was not aware of it. The court date was  XXXX / XXXX / 2017
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : XXXX XXXX XXXX Equifax for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly. 
Payment History and Errors Equifax shows an inaccurate 30-day late entry in XXXX, which I have previously disputed. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Equifax. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit card

Irecieved a letter from Capital one, lord and Taylor credit card canceling my credit card,  XXXX  reason given was that Iutilized the services of an attorney for the handling of my account,,, FROM THE COLLECTIONDS DEPT???? i have the letter in my possession and can sed you a copy..i hired an attoney because I believe i had been treated unfairly by the card because they had put damaging information on my credit report which lowered m y credit score  ... they stopped sendind me paper statements and only did online staements without y permission and did not notify me that any payment was due,,,, I had had this card with Lord and Taylor for 40 years and never had any issues until the card was taken over by  Capital one  ... .and was trying to resolve the issues, ,I was shocked that capital one could do this because an attorney was trying to mediate for me as was getting no where trying to deal with the card myself, ,Idon`t think this is a valid reason for canceling a card,,, by the way the crdit card is paid in full,,, thank you for your help
Product: Credit reporting or other personal consumer reports

Ive disputed an account, XXXX, with Equifax numerous times. The account does not belong to me and its reporting in an unlawful way. Its reporting that I have 100 % left to pay on the loan AND 100 % on-time payments AND that the account is charged off and closed. This is inaccurate and misleading credit reporting. This is affecting my credit score and ability to secure loans. This company, Equifax, has been violating my consumer rights for years now. This account needs to be removed. The company, Equifax, only responds stating the account is verified and doesnt provide documentation or update the way it is being reported. UNLAWFUL.
Product: Credit reporting or other personal consumer reports

I need your help with this erroneous account that has been reported on my credit report. This matter is affecting my reputation, and your assistance is crucial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I sent TransUnion and the other two bureaus my police report. XXXX and XXXX blocked the fraudulent accounts listed in the police report within 4 days pursuant to the Fair Credit Reporting Act. TransUnion continues to report fraudulent information on my credit to date. I have called in to resolve this and the representatives have heavy accents and are located outside of the United States. I don't think they are fully familiar with the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/XXXX {$4400.00} was fraudulently charged on my Bank of America Visa card by some unknown person at a retail store in XXXX XXXX The charge was made without my knowledge or authorization. I have not used this card for many years I notified the bank XX/XX/XXXX when I noticed the charges on our online banking statement. I wrongly assumed this was the resolution but on XX/XX/XXXX received a letter denying my claim. I called XX/XX/XXXX and requested an appeal and sent a written request stating I did not make these charges. Their fraud department states these charges were made in person on a card with a chip which indicates you or someone you allowed to use your card was present you are required to make payments on your account. 
I believe my liability is no more than {$50.00} for these fraudulent charges
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, I was scammed through cash app. I was lead to believe that my personal checking account had been hacked and that I needed to allow access to my cash app to secure my checking account. I lost a total of XXXX dollars with these transfers. They were sending money to block chain. I contacted cash-app via a chat messenger system. I could not find a number for them. The answer came back that I had violated company policy.
Product: Mortgage

PennyMac Loan Services , LLC violated federal regulations found in CFR Title 12 during the loan process with XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, TX XXXX. XXXX XX/XX/2019. 

Federal regulations within title 12, stipulate the standards to which an appraisal is to be conducted. When this appraisal was conducted it neglected to account for the access easement and its condition. 

The aforementioned property contains an Ingress and Egress easement through our property. There is an easement agreement between the owners of both properties. The XXXX have abandoned this easement due to lack of maintenance and failing to bring the easement into the standards stipulated within the easement agreement. Federal regulations require that these appraisals follow XXXX XXXX of Professional Appraisal Practice standards. Had these standards been followed it would have shown that the easement was not in an all weather road condition. The driveway within this easement contains a low water crossing through a perennial creek. During seasonal rains this easement is unpassable for hours to days and requires excavation to fix the damage created. The XXXX have the sole responsibility to maintain and bring this easement up to the standards within the easement agreement. We are dependent upon them to do this. As a result of this matter we are left without access to and from our home several times a year. This has resulted in lost work and without the ability to receive emergency services. This condition also prevents us from obtaining a FHA or HUD loan. 

While it is clear that the XXXX have the primary burden to fix the easement, their ability to obtain a loan with the easement in its current condition has allowed PennyMac Loan Services , LLC to also be implicated in this neglectful situation. If the appraisal was performed to the standardards stipulated within title 12 this issue would have been resolved. 

PennyMac Loan Services , LLC is in a unique position to provide a remedy for this affair, and we demand that this situation is retrafied. 

Attachments : Picture of seasonal creek condition Easement agreement
Product: Credit card or prepaid card

On XX/XX/XXXX my husband 's unemployment was approved and he started receiving direct deposits to our joint prepaid account. On XX/XX/XXXX we got a text that there may be a problem with our account/card. When I called the next day I was told our account was deemed high risk and was bring closed, and that a check would be mailed to our address on file. A few days later I was told the funds would be returned to the sender, but wasn't given a time frame for this to be done, and was told there was nothing they could do to give us access to our funds. Now they are asking for a letter of indemnity from unemployment, which they will not provide, or we have to wait 20 days for the funds to be mailed via check to the sender. The money in the account was all that we had and now we are at risk of being evicted if we can not pay rent, repossession of my car, having utilities turned off and not be able to provide for our almost XXXX XXXX XXXX son. I've emailed back and forth with them for days and get a response after XXXX hours of me replying immediately just to be given vague information and them saying they care and they are sorry for the inconveniences. I just want the funds in our account and have even sent the letter of acceptance showing my husband was approved to receive those funds. NetSpend has already been sued by the FTC over doing this same thing in XXXX!
Product: Mortgage

I am unemployed and could n't afford house insurance so the mortgage company applied insurance for me. They made it sound like they were helping me but when i let them go ahead with their insurance is when the problems accumilated. The insurance is 150 % more in price than the lapsed insurance. They did not state the amount until it was applied and did n't tell me it would be added on to my mortgage payment. The loan is only {$80000.00} and the house is est. at {$160000.00} value. The policy they took out is for {$200000.00} and the premium is more than mortgage payment. They would not take any partial payments that i tried to make even though their letters explains any partial payments may be deducted from new mortgage payment or held in suspense and not deemed as a cure but they would n't take any of my repeated partial payment attempts. Now there is several late fees, and other charges accumalted. A {$420.00} loan payment has ballooned to a {$2900.00} payment in just 2 moths. They are now sending letters of when they can start their forclosure act. The new insurance payment that was put on top of my loan payment is {$450.00} monthly and does n't cover any of my personal belongings. Please HELP, i aslo have joint custody of XXXX children. I need help because i have tried to negotiate with them but they will not help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax have failed to respond to my written disputes within 30 days per FCRA 611 ( A ) ( 1 ). There is an inaccurate bankruptcy type and docket dates reporting on my credit reporting. I have written Standardized 605 ( B ) affidavits of truth of facts and FTC report because my social security number is also reporting incomplete which does not comply with the Fair Credit Reporting Act 609 ( a ) ( 1 ), by not reporting my social security number entirely which is not reporting 100 % accurate information as required by FCRA 609 ( which is why the bankruptcy has been removed from XXXX XXXX and XXXX ). 

FCRA 609 ( a ) ( 1 ) ( a ) requires Equifax and XXXX  to provide ALL INFORMATION on my credit file per my request clearly and accurately. Neither has provided me with the method of verification in which they used to verify this inaccurate reporting as Section 611 ( a ) ( 6 ) and ( 7 ) providing me with the name of the courthouse, persons name they verified the dispute with, address, telephone number, and DOCUMENTATION USED TO VERIFY THE DISPUTE. 
So I disputed with the furnishers name and address listed on my credit report under the furnisher rule 660.4 ( e ) with the bankruptcy court listed and the courthouse responded on companys letter head that neither XXXX  or Equifax has contacted it and that is did not report or provide this information to no credit bureaus. Responsibilities of Furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] requires complete and accurate information to be reported.