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 XXXX, Account number XXXX, Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX, Account number ending in XXXX, Account Name : XXXXXXXX XXXX, Account number XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account number XXXX, and Account number starting with XXXX. 
Account Name : XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number starting with XXXX, Account Name : XXXX XXXX XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number 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 an 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

On XX/XX/XXXX of XXXX  I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to Absolute Resolutions that same day. 

On XX/XX/XXXX of XXXX  I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. 

On XX/XX/XXXX of XXXX  I sent a following up request into this matter directly to Absolute Resolutions. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. 

I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. 

I am requesting for this account to be removed from all 3 of my credit profiles immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im applying for a mortgage the other two credit bureaus XXXX XXXX XXXX are showing everything but Equifax can not be pulled up and it is jeopardizing my living arrangements to the point where I might be XXXX the mortgage company looked at my score to get to but couldnt get the other from Equifax I called thinking it was a freeze and no feedback once I discovered there was no freeze I have heard many people are going to the same problem please tell me what it is I should do in order to save myself from poverty No
Product: Checking or savings account

On or about XXXX XXXX I Deposited : {$5000.00} Dollars on my Current Card after that deposit my Card was closed without me knowing and I try to settle and to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATIONXXXX since XX/XX/XXXX ... there is an error on my XXXX and equifax credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATIONXXXX under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.
Product: Credit card

I have never missed a payment with this company and every time I pay down my limit they decrease my limit even with a good credit score. I have locked my Credit so they will not be able to pull my score anymore and they are constantly pulling right credit score which drives it down lower and then they keep decreasing limits when Im paying on time and they are not keeping up with the agreement that they have said forward with me. This bank Is fraud on the American people this is a monopoly and they need to be shut down or looked in and investigated into. So Every time you raise your score, theyre there to decrease your score so this is a bank that is not helping the people, but rather destroy the economy itself.
Product: Debt collection

A Warranty Contract was purchased on XXXX XXXX, XXXX, for a 1-year period, and paid in full by my check for {$470.00} into my XXXX account. The Contract was cancelled by the provider on XXXX XXXX, XXXX who also refunded {$320.00} into my XXXX account. No work had ever been done by the provider. No statements or bills were ever received. My XXXX account was sold to a debt buyer who specified a default amount of {$320.00} and expects payment. The debt buyer 's account terms were provided to me on XXXX XXXX, XXXX. I disputed the validity of the debt as well as the default amount and the " return mail receipt '' indicated delivery on XXXX XXXX, XXXX. I have requested detail about the debt charge components since the Warranty Contract had been cancelled. The debt buyer has never addressed any of my dispute points and insists that the amount owed by me is " correct '' per account notes and information from the previous creditor. I have never been provided with evidence that I am responsible for this debt or the details of the charges except the {$320.00} total. 

On XXXX XXXX my credit report was flagged by the Debt Buyer as " Collections '' causing my FICO score to fall from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims. XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts and inquiries in question are as follows : Inquires 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 Amount : {$2400.00} I have submitted disputes for these accounts and inquiries and proved the information is inaccurate or unverifiable ( started in XXXX of XXXX ). I have mailed letters and disputed online. However, XXXX has failed to verify the information properly. 


This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to get approval for credit, loans, housing, etc.
Product: Debt collection

On XX/XX/2021, I requested a validation of debt and Hipaa authorization from Alliance collection agency to which they responded on XX/XX/2021 with a very detailed bill outlining ALL of my medical information. They did not provide me a HIPAA release with my signature authorizing XXXX XXXX Hospital to release my information to them. I contacted Alliance Collection Agency on XX/XX/2021 to ask if they had a copy of my HIPAA release, because it was not included in their correspondence on XX/XX/XXXX, to which they responded that they did not. The information that they did provide me with was a direct violation of my HIPAA rights. These items need to be removed from my credit report for violation. The amounts that they state I owe are, {$1500.00} and {$380.00}. Thank you for you help in resolving this matter
Product: Credit card

On XX/XX/XXXX, I was charged interest for purchases made in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Money transfer, virtual currency, or money service

STOP CONTACTING ME! SEND ALL FURTHER COMMUNICATION TO XXXX XXXX  XXXX. XXXX I DID NOT REPORT IDENTITY THEFT! I REPORTED FRAUD - WHICH IS ONGOING! 

I DON'T CARE ABOUT YOUR PROCESSES OR LEGAL THEORIES! YOU ARE HARASSING ME! PHYSICS IS UPSTREAM OF POLITICS. I'M DONE WITH THE JURISDICTION! GO XXXX YOURSELF!
Product: Credit card

XX/XX/XXXX I came to a park to run, I left my wallet in my car and left the car for my run. When I came back I saw that the glass window in my car was broken and the wallet stolen. There were my id, debit card, credit card, some cash, and other stuff in the wallet. When I tried to realize what happened I received messages from my bank XXXX Bank of America ) that they detected unusual transactions on my cards. I didn't approve those transactions because they were fraud and logged in to my bank account to block my current cards and order new ones. It seems that I did everything what I could do to stop fraud. But one of the transactions on my credit card ( {$400.00} ) still left in process though I didn't approve it. During two seeks I made a few calls to the bank to make sure that they work on my case and return my money to the credit card. Finally, XX/XX/XXXX I received message in my bank account that my dispute was rejected. I called to the bank to know the reason and they told me because they connected to the merchant and the merchant ( it was XXXX ) confirmed that I received all the service on that amount. But I didn't receive anything, it was somebody who stole the card. I tried to explain that I didn't authorize that transaction and also asked the bank how it is possible that somebody could make a purchase on such serious sum of money using just card without additional verification ( like PIN ). They rejected my arguments and closed the case. 
My two major points : 1 ) I followed all steps bank requests in fraud situations ( I rejected not authorized payments and blocked my card ) ; 2 ) how bank allows to make purchases, especially on such quite big amount of money, just using a card without additional verification, it's absolutely unsafe. 
Please, help me with the situation and guide me what to do further. I hope I have some chances to get my money back because it's absolutely unfair. I am sure that what happened ( stolen cards ) is what can happen ; it's not something unusual unfortunately. I think bank should be prepaid for such situations and ensure that all unauthorized payments won't proceed without card holder awareness. The bank didn't apply any tools to keep my money safe. 

Thank you, XXXX
Product: Mortgage

Prior to Covid-19 we were in the process of refinancing one of our homes with Wells Fargo. We went through the application process and provided several documents as requested by the financial institution. This process continued for months to the point our file was extremely large and even had to resign a lock rate sheet to ensure our rate was locked in.

After Covid-19 happened Wells Fargo changed their policy regarding refinances for second homes. However a new credit inquiry was submitted on my credit. As a financial institution if you already know that you were going to deny me loan why would you rerun my credit? This practice is typically done prior to closing. I have requested the 2nd inquiry be removed off my credit. XXXX XXXX XXXX rejected this request with a ridiculous letter that explained how correct they were in their practice. 

As a large financial institution that is continuously in trouble for terrible business practices and continuously being fined I would think after reviewing my case and simply removing the inquiry would have been so much easier than a CFPB complaint. You have wasted several salaries between mine, the CFPB 's and your own employee that has to research and respond to this complaint. I would like the inquiry removed and a formal apology for the deception I was placed through for over 5 months during your refinance process. Learn how to be in touch with the community and the people you lend funds to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Mortgage

Bank of America - MortgageRefuses to provide " release of lien '' - XXXX years after mortgage paid off. 
I can not sell my house - was due to close XXXX/XXXX/XXXX. 

Bank Employees in call center refuse to provide contact person or phone number to help resolve. XXXX employee even refuses to provide her Operator ID # with the bank. 

This is the XXXX time in XXXX years that I have been selling a house and the transaction was derailed by Bank of America 's negligence. 

In XXXX, Bank of America filed a mortgage lien on the wrong house by mistake. Even after admitting the mistake, they refused to remove the lien until I sued in Colorado district court. Only then, someone with authority paid attention - removed the lien - and Bank of America paid my damages. 

Now, XXXX, I am selling a property on which I once had a Bank of America mortgage. I refinanced with XXXX in XXXX XXXX. Bank of America was fully paid off. They failed to remove the lien. Now, almost XXXX years later, I 'm scheduled to close the sale of my house and the closing is blocked by the erroneous lien. 

The Bank agrees they were paid off nearly two years ago and they should have released the lien. Even so, they refuse to do so and refuse to return my call. 

I will be filing a lawsuit again. 

Maybe they will again pay attention only after being sued.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to Experian that I am 90 days past due on XX/XX/XXXX. This can not be true because I applied for a forbearance due to a hardship to cover me. It covered XXXX, XXXX, XXXX and XX/XX/XXXX. For some odd reason, XXXX is past due. The forbearance should have covered me for XX/XX/XXXX. I filed a dispute online with Experian on XX/XX/XXXX. On XX/XX/XXXX, the updated information doesn't show the 90 days past due information deleted from my credit report.
Product: Debt collection

MY INFORMATION WAS SOLD TO FIRSTPOINT COLL RESO DEBT COLLECTION.THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$660.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT I HAVE ALREADY FILED A FTC REPORT REPORTING THIS INFORMATION, ALSO SENT NOTICE TO FURNISHERS OF INFORMATION TO EACH DEBT COLLECTOR, WHICH EXPLAINS RESPONSIBILITIES UNDER THE FAIR CREDIT REPORTING ACT REQUIRES DEBT COLLECTORS TO PROVIDE REQUESTED DOCUMENTS RELATED TO OPENING ACCOUNTS. DEBT COLLECTOR HAVE NOT PROVIDED THESE DOCUMENTS XXXX XXXX XXXX PLEASE REMOVED THESE ITEMS IMMEDIATELY
Product: Student loan

I have submitted a XXXX XXXX XXXX ( XXXX ) to Fed Loans and they have not updated my payment count to reflect my previous counts prior to consolidation ( XXXX ). I called today and spoke with XXXX ID # XXXX and he hung up the phone. I called back and spoke to XXXX ID # XXXX and she told me that she needed to transfer me to XXXX XXXX XXXX XXXX ( PSLF ) area. I was then spoke with XXXX ID # XXXX and she said that she was not in XXXX and she transferred me to XXXX ID # XXXX and she basically told me that Department Of Education ( DOE ) will make the updated payment counts and they have no control over payment counts. She went on to tell me that it is nothing that I can do. Her nonchalant attitude prompt me to ask for a supervisor. At this point, I spoke with XXXX ID # XXXX and she said she was with the Service Recovery Line and that the payment count would be updated by DOE because they are overwhelmed with calls right now and DOE is focused on everyone 's loans at this point. 

They consistently pointed out that they are ending their contract. Why not end it now, so I can get the appropriate paperwork completed on my loans before the program ends.
Product: Debt collection

Ambulance bill payed by XXXX  is still being recycled as debt
Product: Checking or savings account

I have several checking accounts with Citibank. In XXXX 2020, Citibank changed the title and Social Security number on several of those accounts without my notification. I did not sign any form, or authorized anyone to make these changes. Furthermore, the title of the accounts that were under my name were changed to that of my late wife 's trust name. The Social Security was changed from my individual to my late wife 's individual Social Security prior to her death ( that Social Security is no longer valid and her trust as an XXXX number ). I realized that these changes had been made in late XXXX when I called to inquire about a returned check. In that conversation, the bank representative asked me to verify my identity. I was unable to do this since at that moment I was unaware of these changes. After realizing that these changes made unilaterally by Citibank were made I contacted multiple reps of Citibank and was eventually directed to go in person to a branch. When I met with a representative at a Citibank branch in late XXXX. The branch representative ( XXXX XXXX XXXX XXXX  XXXX  XXXX  in XXXX - XXXX XXXX ) confirmed that these changes have been made and acknowledged these errors. Since late XX/XX/2020, Citibank has been unable to correct these mistakes and Citibank is still attempting to trace how these unauthorized changes took place. I believe that it is unacceptable that : a ) these significant changes happened without my authorization or involvement, or without Citibank 's knowledge ( changing the title and the Social Security for several checking account is a major breach of security ) ; b ) The tracing of these changes has been unsuccessful and remains unknown ; c ) about 45 days have passed with no resolution. Obviously, I have lost total trust in Citibank and I have proceeded to open a checking accounts with XXXX. This has involved significant effort and time, and inconvenience. I wonder and worry if this has not just happened to me but that there might be other clients affected and both the clients and Citibank being clueless about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts after attempts to get   XXXX   XXXX   and    XXXX   XXXX   XXXX   of f my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresus should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.