23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 15USC 1681. 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 inructions 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

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding XXXX XXXX, a creditor who has reported late payments on my account. I am deeply dissatisfied with the conduct of XXXX XXXX in regards to their reporting and handling of my account, and I believe their actions have violated several laws and regulations. 
On XX/XX/XXXX, I sent a letter via certified mail ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX, expressing my strong dissatisfaction with the late payments reporting on my XXXX XXXX XXXX for XXXX and XXXX of XXXX and XXXX to XX/XX/XXXX. These late payments are in direct violation of 15 U.S. Code 1666b - Timing of payments, which clearly states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure timely delivery of periodic statements. 
I understand that Equifax must comply with the Fair Credit Reporting Act ( FCRA ) and maintain accurate and up-to-date information in my credit report. Therefore, in the same letter, I also urged Equifax to rectify the errors in my credit report caused by these late payments. The letter was sent to Equifax CEO XXXX XXXX ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) and Equifax XXXX XXXX XXXX XXXX, GA XXXX. Furthermore, I want to emphasize that the original contract, which identified XXXX XXXX  XXXX as the creditor, was rescinded on XX/XX/XXXX. Therefore, any reporting or actions taken by XXXX XXXX pertaining to my account after that date are invalid and should not have occurred. 
Additionally, on XX/XX/XXXX, I sent a letter to XXXX XXXX ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) invoking my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and The Privacy Act of 1974. In that letter, I explicitly requested that my personal information not be shared with any third parties, including XXXX, XXXX, XXXX, Equifax, XXXX, XXXX, or XXXX. 
I am deeply concerned about the unauthorized sharing of my personal information by XXXX XXXX, which may result in potential privacy breaches and compromise the security of my personal data. I expect XXXX XXXX to respect my rights and refrain from sharing my personal information with any third parties without my explicit consent.Given the seriousness of these violations, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate my complaint against XXXX XXXX  and take appropriate action to ensure my rights are protected. I believe XXXX XXXX should be held accountable for their actions, and the necessary steps should be taken to rectify the errors in my credit report and prevent further unauthorized sharing of my personal information.
Product: Credit card or prepaid card

I was advertised and promoted to use the flex plan associated with the credit card company which allowed me to make fixed payments, with fixed repayment terms and fixed interest rate on certain purchases. 
I made regular purchases outside of the flex plan subject to my current APR rate for the month of XX/XX/2021. Flex plans were already existing and in place. 

Language in the statements says the following : " We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, the to the balance with the next highest APR, and so on. '' I made a payment on XX/XX/XXXX and XX/XX/2021. One payment was for my minimum balance due and the other was for my outstanding purchases. My outstanding purchases payment was applied to the flex plans that had a lower interest rate than my outstanding balance.

I tried to resolve the issue multiple times with the credit card company and was met with multiple different and inconsistent reasons why the payment was applied the way it was, hostility from customer service, hung up on by customer service, told the issue would be resolved and I would be sent written correspondence 5-7 in the mail explaining the issue being resolved, instead the issue wasn't resolved and I received a letter explaining how payments are applied in general. 

Issue is still not resolved, company unwilling to offer a solution or comprise to fix issue despite bait and switch tactics that should be reviewed for Unfair, Deceptive, and Abusive Acts and Practices ( UDAAP ).
Product: Mortgage

This is the second complaint against SPServicing, XXXX XXXX and XXXX XXXX XXXX. Loan # XXXX XXXX my duplex was flooded by XXXX XXXX. I received two checks from XXXX insurance and had to send them to SPServicing ; XXXX. SPServicing disbusted all with the exception of a little over {$9.00}, xxx.xx ; I funded the repairs from cash I had and got checks amounting to approx. {$49.00}, xxx a few weeks after I submitted the checks and SPServicing cashed them ; XXXX my homeowner insurance company sent me a check for {$18.00}, xxx again made out to me and to SPServicing on or about XXXX XXXX, 2022 ; I have not sent SPServicing the check yet because of points below : XXXX. No where in the mortgage notes does it state how SPServicing is obligated to release the funds. They seem to arbitrarily decide and to me it seems they are trying to make money out of the float and fees not disclosed on the mortgage note ; no where in their website do they disclose how funds are disbursed or the fees associated with their inspections. 
XXXX. I have been uploading all the information they require and have asked them on their website and by faxing to their insurance department all the documents their request ( adjuster estimate, and their required documents ) and my requests for clarification. They reject all the uploads ( adjuster estimate ) I made. 
XXXX. I have all of point 6 documented with PDF 's from their website and a fax to their office in XXXX XXXX XXXX. 
XXXX. SPServicing is making rules as they wish ; nothing is detailed in the mortgage note and/or on their website. They want consumers to send them the insurance checks so they can sit on them. 
XXXX. SPServicing should not be in the business to assess if my duplex can be lived in and 10. Please note, the XXXX on this loan is less than 15 % so I am unclear as to why they are so concerned about protecting their " investors. ''
Product: Credit reporting or other personal consumer reports

I contacted the third-party company. Thats on my credit report. The conversation went like this. I asked for my original documents with my signature and the amount of money I owed. I also asked would the gentleman tell me whats on my report. He complained, and the information was wrong I immediately informed him. I asked about removing this from my credit report. He didnt give any information. Inconclusive this third-party is using my information without my consent and I am requesting for this information to be removed from my name and off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done 2nd attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove these items from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX / XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made repeated attempts over the last 6 months with XXXX XXXX, XXXX, and Experian to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Debt collection

This debt is no longer mines when I went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was suppose to pay off the remaining balance of the cell phones i had on my account. This is why I am filing a complaint against XXXX due to inadequate service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically XXXX failed to take a timely and effective measure 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 requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations. Major Data Breach
Product: Checking or savings account

I have forgotten the dates after 2011 when I closed my account due to many fees and money I couldn't keep due to so many fees out of my checking account. I had to find another bank with less fees from my account.
Product: Mortgage

My mortgage was moved from my lender XXXX XXXX XXXX to Mr Cooper. It happened around the time a payment was due and Mr Cooper did not clearly communicate the process and did not tell me that my autopayment from my bank would be transferred to them ( without my consent or knowledge ). As the payment was several days late I set up a separate payment as I was concerned about missing a payment. The day after that payment was made, the autopayment was made ( I had no knowledge that this would happen ). This put my account into overdraft. 
Mr Cooper promised in their introduction letter that I would not suffer any financial loss due to the move of my loan to them. I complained to Mr Cooper about the cost to me caused by them due to my overdraft situation. Fortunately, I had an arrangement with my bank for credit card overdraft protection which mitigated the cost. However, there was still a charge for using my credit card. 
Mr Cooper has been very obstructive by requesting a letter from my bank and only providing a fax no to send my evidence of financial loss. I complained about this and they promised to phone me - I have not received a call.
Product: Checking or savings account

I have an account with Wells Fargo that does not permit the balance to go below zero. Two days ago, someone hacked my account and " deposited '' a XXXX check that was fraudulent. WF missed this fraud the first day. Yesterday, the hacker sent TWO {$500.00} XXXX payments, both fraudulently, from my account. WF missed both of these fraudulent transactions. WF later yesterday noticed that the {$3400.00} check was fraudulent and eliminated that balance from my account ( rightfully, since I didn't make the deposit ). This caused the account balance to go below zero. I noticed that the account was overdrawn around XXXX yesterday. I called the WF offices immediately. WF did not contact me about this fraudulent check or either of the other two fraudulent transactions.

I reported the fraud to WF yesterday and had four conversations with the bank today. They are not refunding my money until after their investigation is complete, notwithstanding that they missed the fraud on their systems. WF represented that this is the policy throughout the bank, but I doubt that the representative 's statement was accurate. The gentleman who made that statement is named XXXX and he works as an Executive Office Agent. Further, he refused to escalate my case beyond him ( who is not, I must surmise, the most senior person available ). 

WF 's position is that money I deposit into my account -- whether {$500.00} or $ XXXX -- is not mine at all and is not accessible to me as I wish. Instead, it is only accessible after I notice a fraud plus the 10 business days it takes their ( rather pokey, if you ask me ) investigation team to look into the issue. This is shocking. Query whether it runs afoul of any regulatory guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Credit reporting

THIS IS NOT A REQUEST FOR ANY FRAUD ALERT OR SECURITY FREEZE I AM ASKING FOR COMPLETE VERIFICATION UNDER MY RIGHTS AFFORDED TO ME UNDER SECTION 609 OF THE FCRA THAT STATES YOU AS THE CREDIT BUREAU MUST HAVE ON FILE PHYSICAL DOCUMENTATION OF WHAT YOU ARE REPORTING. EVERY TIME I ASK FOR THIS YOU SAY I MUST CONTACT THE CREDITOR. IT HAS COME TO MY ATTENTION THAT YOU ARE ATTEMPTING TO VERIFY THROUGH AN ELECTRONIC PROCESS " XXXX '' THIS DOES NOT PROTECT ME AS A CONSUMER. YOU STILL HAVE XXXX ACCOUNTS LISTED ON MY CREDIT REPORT THAT CAN NOT BE VERIFIED BY PHYISCAL DOCUMENTATION. I HAVE CALLED XXXX AT XXXX AND SPOKE TO XXXX and according to his records they do not have an account on file with physical documentation, he said and I quote, the account ending in XXXX is not on file, it has been charged off with no record confirming the validity of the debt. So if this is the case then how can you say that you have verified it. You can not but you are deceiving me as a customer and causing harm to my financial well being. XXXX account being listed by you that can not be verified is XXXX XXXX. Spoke to XXXX in their closed accounts department, she said that this account has been charged off and there is not record of it in their system. She could not verify based on information given to them that the account even existed. When I asked for a signed contract she said, I am sorry we do not have that on record or file, I asked how she could confirm that the account was mine, she could not. This account ending in XXXX can not be verified by me, so how can it be verified by you. It can not but once again let the record show that this company has been fined XXXX dollars for placing fraudulent information on credit reports. They said just recently they promised to do a better job of not deceiving their clients. I would say this is a perfect example of how they have lied and will continue to lie. REMOVE THESE XXXX ACCOUNTS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was shocked to see an unauthorized inquiry that I never approved. This was completely unexpected, and despite refreshing my browser multiple times, the error remained. I am beyond frustrated and demand that the documents I submitted be carefully reviewed so this issue is resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act & Section 168 of FCRA the following item listed below does NOT match my records nor the Credit Bureaus records. Under this same Act this information must be DELETED at once from my Credit Report.

I recently obtained a copy of my consumer credit report from your Bureau and hereby dispute the completeness and accuracy of the following information. I demand that your Bureau correct this information immediately. The information I am disputing is as follows : The Bankruptcy is being reporting incorrectly. Your Agency is reporting a Chapter ( XXXX ) Bankruptcy. That is incorrect and should be Deleted Immediately. 
Under Section 168 of the FCRA this info does NOT match the records of both your Credit Agency and my own Files. Therefore, this item must be deleted under law. 

Furthermore, the bankruptcy was removed from the other agencies due to the information received from XXXX XXXX of identity theft.
Product: Checking or savings account

Ref # XXXX Account was reopened and then blocked again.
Product: Debt collection

The person that they delivered the summons to wasn't me. The physical description listed doesn't match mine. If the server gave it to the wrong person without checking an ID, that would mean that you further violated my privacy. I want proof that you even had authority to have anyone be contacting me. Nobody has been able to provide me with a single signature on this account. This seems like Johnson Mark is just trying to steal money. They claim they deliver a summons so that it appears like they did. It looks like all you have to do is enter a physical description. Where's a photo of the person you served it to? Where is a photo of the person that served it to me. I highly doubt that this process server exists since none of them can provide a photo of this person. If you actually served it there needs to be more proof that someone who is PAID by you to say they delivered it. They have EVERY INCENTIVE to lie to get paid. If the lawsuit goes on without the person knowing about it, how would they ever really know? Since this is a case of identity theft, you will need to provide more than just your word that it happened. 

You intentionally made up this story so that you could steal money from me and many others. You had or your client had NO RIGHT TO CONTACT ME TO START!!!! You don't have a single signed agreement from me to have even set foot or contact me in any way. So, PROVE that you had the right, FROM ME, that you should have had any information of mine. YOU DON'T BECAUSE THESE ARE FRAUDULENT ACCOUNTS!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, XXXX  XXXX XXXX 's online bill pay system sprouted some technical bug, due to which it misses the last digit " XXXX '' of my primary bank- XXXX XXXX XXXX - account number. I had autopay set up on my XXXX  card with the very same XXXX XXXX account number for years now. Due to this, there was an approx. {$13.00} missed payment which I did not notice ( since autopay was set up! ), which cause a XXXX point drop in my credit score. I have never missed or had a late payment before in the last 7 years of banking with them ( or any other bank for that matter ), and I never carry a credit balance. I promptly paid off the {$13.00} as soon as I noticed the issue, the month after the payment was due. 

When I called XXXX customer service countless times to resolve this, they have been unable to fix the technical issue, and they have refused to fix the mark on my credit report for an error that is due to their system. If their customer service uses the same XXXX account I have saved/linked on my account, to make a payment over the phone, that process just fine - So it is 100 % not an issue with an incorrect account number or any such thing. I am lost now, and have been unable to escalate this to someone who can actually make a difference. Extremely frustrating. 

Next, I disputed this transaction with the credit bureaus, explaining the technical glitch that XXXX has and has been unable to resolve for me, yet XXXX ( and the other 2 bureaus too ) have refused to fix this delinquency mark on my credit report which has brought down my credit score by about XXXX points, and has actually affected my life and my ability to take on more credit, even though I have plenty of savings and am a high earner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a closed credit card account on my Transunion Credit Report that I was an Authorized User on. I've already contacted XXXX XXXX to have the account removed from my credit file as I was not responsible or liable for this credit card. I also removed myself as an AU from this credit card before the amount went negative so I do not understand why the history past XX/XX/2017 is showing on my credit profile. I received notification from XXXX XXXX that the account would be removed immediately from my credit profile however it is still showing on my file and negatively impacting me.
Product: Credit card or prepaid card

My account was suddenly closed on XX/XX/23 because they could not verify my account information for some reason.
Product: Money transfer, virtual currency, or money service

Hi. PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Debt collection

Besides not providing proof snd validation of said debt, this company does not have the authority to collect debt within my state and I have never lived at the address associated with this debt.