23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account DISCOVER BANK # XXXX, 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

Transunion Information Services has violated consumer my rights by sharing my furnishing an account that is fraudulent for the last 3 months. I am attaching the FTC statement, to address the account that is fraudulent. Please remove the XXXX account off of my credit report. This account was not open by me.
Product: Credit reporting or other personal consumer reports

I reached out to all the Original Creditors about my unauthorized inquiries on my credit report and they all basically said that I need to reach out to the credit bureaus and have them to send out information to where they can have the inquiries removed off of my credit report ... After talking to the original creditors, I contacted all 3 of the Credit bureaus and explained in detail that the Original Creditors have gave permission to remove all the Hard unauthorized inquiries from credit report.

The 3 credit bureaus failed t
o remove anything off my credit report due to not having a CFPB report!!!!!

I did also inform the 3 Credit bureaus that the Fair Credit Reporting Act, legally these unverified and unauthorized items MUST be removed!!!!!!!!!!!!!!!!!!!!! 

( XXXX  ) 4 Hard inquiries XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was advised to send this message to you to open a formal complaint concerning violations of VA policies governing the VA loan program by VA venders. 

I have a VA loan certificate of eligibility. I own a single family dwelling located in XXXX XXXX XXXX CA. 

I currently hold a 40 year fix conventional mortgage at 4.125 %. 

I began three weeks ago contacting major VA venders such as XXXX XXXX the current holder of the 40 year fix, Chase Bank, and XXXX, to refinance the 40 year fix into a VA 15 year fix or 30 year fix Chase informed me they where not refinancing veterans conventional loans to a VA guarantee loans. Chase Bank stated they were only refinancing VA loans for veterans who have a VA guarantee loan or veterans who are purchasing for the first time. Chase bank is currently in violation of the TILA-RRSP because Chase received all 6 pieces of information from the application I submitted to them. 

I received respectively a XXXX, XXXX, XXXX, credit score. My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My loan balance is {$470.00}, XXXX, and the value of my home is estimate to be over XXXX XXXX. 

I contacted the Department of Veterans Affairs Loan department in XXXX and spoke with a VA Loan officer. The Loan officer stated the venders were in violation of VA policies and that their action could violate their VA venders status. 
She suggested I contact the venders and conduct a three way conversation with the VA to resolve the issue. I contacted CHASE and all they refuse to conduct the conference call or go on the record. I was instructed to send this e-mail explaining my experience and as of this e-mail I can not find a VA vender to refi my loan following VA policies. I am also filing a complaint against XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 30 credit being reported on my personal credit reports. I have tried numerous times to get them removed. I've even hired credit repair agencies, still those 30+ unauthorized credit inquiries remain on my report. I pray the XXXX can assist in clearing these fraudulent inquiries off of my report.
Product: Consumer Loan

Tidewater Motor Credit provided different loan pay off amounts on   XXXX   and  X/XX/17   , though the payoff amount is supposed to be valid for 30 days. The difference was & gt ; {$72.00} in less than  XXXX  hours. They refused to provide refinancing lender with pay off amount and went so far as to hang up on the refinancing lender. They also charge a {$10.00} service fee with any payments made other than recurring eft from personal bank account.
Product: Credit reporting or other personal consumer reports

In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This is a clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE the LATE PAYMENT REMARKS at once!

Your agency is in violation!

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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Back in XXXX of XXXX there were over XXXX fraudulent transactions done on XXXX of the debits cards for my account. When I called the representative I gave here the name Ive the company so she could process my dispute, I was then issued a credit for {$3100.00}. In XXXX of XXXX XXXXXXXX XXXX reversed my credit leaving my account negative {$3100.00}. When I called XXXX advised me that there was one authorization transaction included which is why my claim was denied. I advised that they should listen to the call, I never asked for that transaction to be included, that was an error on behalf of the employee. XXXX then informed me I had to put in an appeal. I put the appeal in right away. I gave it 7 business days and called for an update and every time I call they say the dont have a turn around time and theres nothing they can do. This has been an extreme inconvenience for my family in I. That was my husbands whole pay check, we trusted XXXX federal with our financial needs because they claim to be for service member and there families. My husband was recently XXXX and deemed 100 % XXXX from the United States XXXX, we need the fund to serve. We look forward to your help with this matter, please contact me at your earliest convenience. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I was charged for a " credit protection fee '' which took me over my limit by {$10.00}, and I added additional funds to my account the same day to cover this issue. Aspire reported that overage to credit bureaus about 2 days later. Since I have never been late or gone over in the past, and this occurred due to a fee ( should I not have been " protected ''? ) I was hoping to write them a goodwill letter, requesting that they review my account and possibly forgive this minor error. When I contacted the company they refused to give me an address stating that " under fair credit reporting act we report to credit every 30 days '' which had nothing to do with what I was asking. I realize that they aren't under any obligation to offer the forgiveness, but I've never heard of not allowing someone to even ask for it. As far as the charge that overdrew me -- I do not believe I even signed up for credit protection, but no one will assist me with this issue. As a single parent to a child with special needs, I believe Aspire is preying on people like myself who are not in the best financial situation, but hoping to improve it. I also believe the term " credit protection '' is intentionally misleading/a misnomer. My credit was not protected by this " service '' it was actually quite the opposite. I have not missed a payment, been late, or gone over my limit on any card I have in the 2 years that I've been building my credit, now I am at my lowest score in that time period.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate on all three credit reports. shows last activity with different dates and date of last payment. I request this account be removed from all my three credit reports.
Product: Checking or savings account

Good morning, yesterday I went to wells fargo in XXXX XXXX XXXX XXXX, XXXX XXXX ca branch, at XXXX XXXX, I met this banker XXXX, I ask him if I could get the copies of my closed account checcking account number, he said something very rude, and he was so uptight, then he stand up, where I felt that he will attack me, it is in the Camera it was XX/XX/2018 at XXXX in the afternoon, There was no supervisor at that time, so I asked XXXX, and he was very nice, he even help me, when I paid the dues, to the teller, because, XXXX is still staring at me, He needs to be seen he has an anger management, I thought that he will really attack me, Hope that this matters will taken seriously, because there employees acted aggressively Thank you so much,
Product: Vehicle loan or lease

I went in to XXXX XXXX XXXX in XXXX Georgia to buyout my leased car in XXXX. It seemed to be like a smooth process until a month later when I realized my tags had still not been sent to my address. No one at the dealership told me I needed to go to the tag office to request tags not did they provide any other information as to what else was needed for me to do. I went to request a tag extension since my tags were due to expire XX/XX/XXXX and it was XX/XX/XXXX at this point. At the tag office they informed me that I was not even in the system! The dealership had not processed ANY of my paperwork. Not only this, but they hadnt done the inspection, oil change, or emissions test that was required for every purchased car so I had to run around for a week trying to figure out how to get these items done. Still nothing from the dealership. I called several times and everyone said theyre were going to figure out how to process the paperwork but they didnt even realize the emissions hadnt been done until the XXXX of XXXX, 2 days after my tags expired. So I needed to get the emissions done and file the paperwork myself and 10 days after my tags were expired I was finally able to get tags. 

Now its a few months later and I get a call from GM financial about an overdue balance on the leased card, which the dealership was supposed to pay! So I have a huge reduction from my credit score because of a balance I was never supposed to pay. The dealership has been the most difficult to deal with, the management has no idea what they are doing, they are super unprofessional in how they have handled the situation and with their customer service. They stopped taking my calls at one point, werent getting back to my voicemails, and when I spoke to the management in charge they gave me such an attitude as if this whole thing was my fault. Yes, they did repay me for the emissions test and the inspection and tags I had to pay for, but for the inconvenience and stress I should have been given more. I am appalled at the situation and I can not believe how unprofessional they have been and how stressful buying out my lease has been. They have serval times said they would do something and it never happened until I harassed them to do so or had to just do it myself. I had to get another dealership to even send in my emissions test so I could get my tags, so this is just disheartening and sad. I need this taken off my credit ASAP and I want nothing else to do with this dealership. I hope all XXXX dealerships arent like this because this is ridiculous.
Product: Debt collection

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : DEBT RECOVERY SOLUTIONS To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw an incorrect trade line for an account from DEBT RECOVERY SOLUTIONS for SHADOW EMERGENCY PHYSICIAN in the amount of {$1700.00}. The account status show past due, which is incorrect and inaccurate. It should not say past due as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by DEBT RECOVERY SOLUTIONS is a VIOLATION of the HIPAA Act of 1996. DEBT RECOVERY SOLUTIONS did NOT provide me a HIPPA release that releases my medical information to them, therefore by SHADOW EMERGENCY PHYSICIAN providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against DEBT RECOVERY SOLUTIONS as well as SHADOW EMERGENCY PHYSICIAN should this item not be deleted within 10 business days and until the debt has been validated and verified. DEBT RECOVERY SOLUTIONS is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against RDEBT RECOVERY SOLUTIONS, SHADOW EMERGENCY PHYSICIAN, and all 3 credit bureaus : XXXX, XXXX and XXXX. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from DEBT RECOVERY SOLUTIONS expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Checking or savings account

On XX/XX/XXXX, I got a phone call from HSBC fraud department asked me about two wire transfers. I told them immediately that I never made any transfer, neither did my spouse. And the HSBC staff on the phone told me he was able to hold both transfers successfully. He also needed to verify my identity. I was very careful with this kind of phone calls and online questions. So I went to the local HSBC branch ( XXXX NJ ) immediately. I told the manager what happened and showed her the number of the phone call I just received. She verified the number is HSBC fraud department and closed all my accounts ( checking, saving, credit card and debit card ) and also reopened new ones.

Then it turned out that the two transfers : one didnt get through, the other one was cleared and withdrew by the recipient.

It took the HSBC 25days to refund me the transfer ( amount {$60000.00} ) that didnt get through. Then I was told that the other transfer ( $ XXXX+ $ XXXXfee ) was still under investigation. I called customer service and went the local branch several times and asked for an estimated timeline. But nobody can give me one. I searched online and found out I should also report this to the local police department, which the HSBC staff never mentioned to me. ( I reported it to the police department around the end of XX/XX/XXXX )
Product: Debt collection

I sent a dispute letter via certified mail to the collection company ( Credit Control Corp ) on XX/XX/2021. Under the Fair Credit Reporting Act, the creditors have 30 days to respond to my request or remove from the credit bureaus. Credit Control Corp has not validated all inquired debts but reports the same accounts ( double reporting ) to all three credit bureaus XXXX, XXXX and XXXX for the months of XXXX, XXXX and XX/XX/2021. This has damage my credit score and worthiness, blocking the ability to apply for housing. Please advise.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFFB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I received a hard inquiry on my credit report from XXXX XXXX, I have never applied for a XXXX XXXX card nor have I ever owned one. I reached out to XXXX XXXX and they told me there was nothing they could do for me. The individual attempted to open a credit card and did open a debit card with XXXX XXXX and Bank of America and used that debit card to make XXXX Purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX Today is XXXX 2022, I've tried to access my credit file through XXXX 3 days ago and I had an error message pop up two times for exparian and also XXXX which I know is violating my rights as a federally protected consumer pursuant to 15 usc 1681h ( c ) ( 1 ) ( B ) ( iv ). 

I received an error message from Experian stating that the number I've entered didn't match their records. 

I've attached my forms of identification below
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft COMENITYCAPITAL/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft N/A Account Number : XXXX This is not mine. 

4. Identity Theft N/A Account Number : XXXX This is not mine. 

5. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.