23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In or around XXXX, Capital One offered COVID-19 relief and ensured me that my credit card account would not report as late ; however, they reported a late payment on my credit card account despite the fact that I have had perfect payment history.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX
Product: Checking or savings account

A check we wrote was stolen from a gift box at a wedding and was cashed. It was endorsed as make payable to another party, XXXX XXXX. 

Seven other people were affected by the same fraud but all of them had their funds returned to them within four weeks by their banks according to information I have. 

It was check # XXXX for {$300.00} written on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. Due to honeymoon of the bride and groom, the first knowledge of the stolen checks was documented by a police report dated XX/XX/XXXX. This report was provided to my bank when a copy was made available to me from the police department on XX/XX/XXXX. I was notified somewhere between XX/XX/XXXX and XX/XX/XXXX of this fraud, but no longer have the detail of when I contacted Citizens and received information on how to file the fraud claim with them. 

Citizens responded with a letter dated XX/XX/XXXX, that they had received my claim and assigned it claim number : XXXX XXXX XXXX XXXX. 

I have contacted the Citizens Bank fraud department listed on this letter at XXXX at least ten times in the ensuing time for an update. The response is always the same ; " We have sent an email to the bank that cashed the check, XXXX XXXX, and are awaiting a reply. '' I have also reported this as advised by the fraud department agent to ; XXXX but have only received the same response that they are waiting to hear from the other bank. 

Now, in XX/XX/XXXX, it has now been 16 months and there is no promised path by Citizens Bank for resolution. 

If this were a more substantial amount, say for a rent payment, a client could be in serious trouble. 

Thank-you for any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX, XXXX, and Transunion ; I was going through my credit again today and noticed XXXX negative accounts on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Each of those accounts is reporting multiple inaccuracies such as different dates from last active, last reported last payment, questionable balance, and the charge off balance are questionable. 

How come there are accounts in charge-off but I never received XXXX from the original creditors? How come you said you verified these XXXX accounts but yet it continues to report with multiple inaccuracies and violations? 

XXXX # XXXX Collection {$3000.00} ; XXXX OF XXXX # XXXX Charge-off {$83.00} ; XXXX XXXX # XXXX Charge-off {$3700.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit report has inaccurate information. I was never late on this account. In the payment history section for the month of XX/XX/2023 there is an XXXX? With no payment being reported. In the payment received section it says {$0.00}?. I dont understand because I have paid this account faithfully from the open date. Both of these sections need to be updated immediately. Not only is this incorrect on TransUnion, but its also on my XXXX credit file. This is not right.
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. 

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

The credit reporting agency stated that these accounts were properly investigated and came back as verified. however, how is this true when there are several inaccuracies showing on my report? As a customer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 u.s.c. 1681i ( 7 ) Method of verification- description of reinvestigation procedure
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801. It states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 
The financial institution and the consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, or the furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise is revoked.

Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA and regulation E. these actions have caused significant inconvenience and financial loss i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been checking my credit report more recently, things are not adding up!! 
I have sent emails to the companies to try and get more info and they respond with, information not adding up!!! 
{$500.00} later, still no answer or response to my inquiry. Not adding up!!! 
I truly do believe my ex girlfriend orders or apply to things in my name, usingyl my s.s.i numbers and trys forging my name. 
Thank you
Product: Debt collection

I am writing to advise a violation of the fair consumer credit act. The Sunrise Credit Service is not the original creditor and has unlawfully reported this debt on my credit report. I made contact with this agency in XXXX or XX/XX/2020 and advised of them violating the fair consumer credit act.. The agency removed the debt from my credit report ( s ) -XXXX  and XXXX  XXXX However, they have reported this debt again to a different credit bureau ( XXXX  ) on XX/XX/2020 without proper notification. I was not notified in writing from this agency that they would be reporting this again. This is malicious and driving my credit score down intentionally by this agency. Please investigate this and have them remove it from my credit report again. Your assistance is greatly appreciated. 

SUNRISE CREDIT SERVICE Original creditor : XXXX XXXX {$440.00} Balance updated XX/XX/2020 Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$440.00} {$440.00} Your statements
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and Im really worried about the mistakes on my credit report. The inaccuracies are very stressful to my state of mind and theyre mostly affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it go to waste because of some errors that arent even my fault. I'm just really worried but right now, all I can do is hope.
Product: Money transfer, virtual currency, or money service

O. XX/XX/year> {$300.00} was sent but the recipient never git it I have filed a dispute and requested a reversal of payment my bank institution denied my claim I was instructed to contact the third party involved with the transaction but could not get a hold of anyone only a voice recording I followed up again on XX/XX/year> with my bank again and no results they told me im just lost out of {$300.00}.
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. 

XXXX : # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXXXXXX XXXX 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: Debt collection

I have also had problems with Navient and I am glad to see that students are having the same issues and I am not the only out here being spoken to on the phone with them negatively. I have tried making a payment arrangements that would work for me at the time Which was to pay of XXXX and asked if I could pay XXXX because I am paid bi-weekly. They said no and that I needed to either pay in full or pay around XXXX dollars. I have tried getting back into college and I have been out of school since XX/XX/2013 season. I hate that I am pushing my education back because of a fault on my account. I was sick and when I left my university ( XXXX XXXX University ) in XXXX Michigan. So eventually went home to XXXX to try to finish but couldnt get back in the groove because of finances. Maybe something with change and Ill be able to go back to school and study.

On XXXX I had seen a sponsor ad that said Navient had a lawsuit against them and read the article about CFPB and Navient. This is the reason I reached out at the time I did. This is a serious complaint and this situation should no be taken lightly.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX  reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.
Product: Debt collection

A company called " Convergent Outsourcing '' has called me repeatedly on my unlisted home number. I have asked them to remove my name from their call list. The number that called was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED LEXISNEXIS YESTERDAY AND ASKED IF MY ACCOUNT WAS FROZEN BUT IT IS NOT AND THEY HAVE REPORTED INSUFFICIENT INFORMATION. SUCH AS INCOME INSUFFICIENT TO MEET CREDIT OBLIGATION AND RISK VIEW SCORE AND TWO SOCIAL SECURITY NUMBERS, TWO DIFFERENT ADDRESSES AND DIFFERENT NAMES ON CREDIT REPORT AND ALSO BANKRUPKCY. WHEN ASKED ABOUT THEIR METHOD OF VERIFICATION WAS IN FACT FALSE.
Product: Mortgage

I was on the forbearance program for XXXX  months after the forbearance program mortgage company offered to modify my loan but instead of keeping payment the same or lower the monthly payment increased and the interest of the loan increased as well from 3.875 % to 5.125 %
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of urgent concern regarding XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX that have appeared on my credit report. To my dismay, I have no prior knowledge of these accounts until they were posted on my credit report. This has come as a complete surprise to me and has caused significant distress. As someone who has been diligently working to build and maintain a positive credit history, the inclusion of these accounts without proper investigation and evidence of their validity is deeply troubling. Not only does it damage my current credit standing, but it also undermines my efforts to secure financial stability. I demand an explanation as to why these accounts are appearing on my credit report, as well as proof that they rightfully belong to me. Without this information, I am left in a precarious position with potential repercussions for my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Please update this account : PENNYMAC XXXX Balance Owed : {$200000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Debt collection

I had initially submitted a complaint because this company had never contacted me at all, especially with a debt that I do not owe. The account was closed and paid off completely. I received a response stating they have sent me numerous communications, however, I never received anything, even a phone call. My address has been verified and accurate, but nothing. I received their response stating they would send something, and after 30 days, I just received this unbelievably fake note as a supposed validation letter! I dont know how they would believe that I would think its real. There is no debt, no balance, and now I am forced to hire an attorney due to this fraudulent collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act the list of accounts below has violated my Federal protection consumers rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : department of education Account number : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also State a consumer report 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 reports containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

I am currently taking courses online and I have pending due student loan with Sallie Mae a private school lending organization. The problem revolves around the fact that such a firm has been legally informed about my enrollment status and the required formality of requesting the process of deferment has been completed. However, Sallie Mae has not deterred from collecting efforts and has been calling me on a daily basis demanding payment on an account that should be on deferment. The form was e-mailed by me and the school and it was also faxed. However, the collection continues.
Product: Checking or savings account

I opened a checking and saving account at Bank of America ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) on XX/XX/2023 and I deposited {$100.00}. 
On XX/XX/2023 I have issued a wire transfer of XXXX euro from my Italian bank account ( XXXXXXXX XXXX XXXX to my Bank of America checking account. 
On XX/XX/2023 I tried to access the banking center but I was not able to access. I called the customer service and all the support numbers but they told me to call back on Monday, XXXX when the offices would be open. 
On XX/XX/XXXX I called the customer service number of BofA and they told me that the bank had taken the decision to close my account giving me no explanations and that the expected closure date was the XX/XX/XXXX. The bank would have issued a check with all the money I had in the bank account and I would have had to call back on XX/XX/XXXX to get the tracking number of the check shipment. 
I called on XX/XX/XXXX and they told me that the closure date had moved to XX/XX/XXXX, then to XX/XX/XXXX and today the new account closure date is the XX/XX/XXXX. I even talked to a supervisor but the situation hasn't been solved yet. They keep moving the closure date and I am not able to get my money back until the account is closed.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 02 STATES I HAVE THE RIGHT TO PRIVACY ( 15 USC 1681 ( SECTION 604 A SECTION 2 ) IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AND OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Mortgage

My trouble arise with regards to retiring the PMI and NewRez Mortgage playing with definitions. I purchased my property over six years ago. The mortgage has been bought and sold about three times. NewRez is not the original mortgage company. Per definition, I am eligible to have PMI removed when I achieve a 20 % equity. Or when there is 80 % or less. I applied in XX/XX/2019 to have the PMI removed, I was declined. I appealed and submitted the closing statement with the amount borrowed from the original mortgage company. I paid XXXX for the house and borrowed XXXX. Thus, I had 10 % equity. The current principle balance is XXXX. So when I calculate the following equation, XXXX/XXXX. I show I have a loan to value= .7927 or 79.27 %. When the principle balance reaches at {$180000.00}, I calculate that is the 78 % where PMI should be taken off automatically. They told me I would need to wait an additional 9 months. I am being forced to get an Broker Price Opinion. 

They claim that that the original sales price the house was listed at {$260000.00} and compared to the price I paid, {$230000.00}. Per your website, that is not how the calculation should be. They are saying they can use another method based upon their own requirements, which is having a 25-40 % equity before PMI can be cancelled.