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

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG child support Enforcement # XXXX / # XXXX / # XXXX Missouri Div Child # XXXX / # XXXX XXXX # XXXX XXXX  # XXXX
Product: Checking or savings account

My depost was held all I was told was that it need to clear payment but its over two years and still nothing has happened. Every time I call them I received the run around or told that they can not give me any more information yet I receive email notices of monthly statements and year end 1099 but I have no answers to been giving a reason on whats happening with my funds. My name is XXXX XXXX XXXX XXXX XX/XX/1978 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX and TransUnion for XXXX XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX XXXX bank statement proving when my payment was accepted. Congress states in XXXX v TRANSUNION XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
Product: Credit card

LETTER to Care Credit XXXX XXXX, XXXX. No response from company. 

In reviewing activity on my account, I see that every payment due date ( XXXX ) a late fee is assessed on my account. The late fee increased from {$30.00} in XXXX to {$41.00}. 

Rather than my balance decreasing as expected since I always paid more than the amount due, my balance has remained high due to late fees being assessed ON the due date ( XXXX ) rather than AFTER the due date to confirm a payment being late. 

Additionally, the late fee amount exceeds the maximum late fee allowed in Maryland. 

CareCredit is committing a rip off of consumers as evidenced by my payment history : XX/XX/XXXX late fee 7 days later payment of {$200.00} XX/XX/XXXX late fee 1 day later payment of {$200.00} XX/XX/XXXX late fee 3 days later payment of {$200.00} XXXX XXXX late fee 11 days later payment of {$200.00} XXXX XXXX late fee 7 days later payment of {$200.00}. 
XXXX XXXX late fee 2 days later payment of {$200.00} XXXX XXXX late fee 4 days later payment of {$200.00} I called CareCredit today regarding the XXXX late fee which was refunded by the auto system. I am requesting that CareCredit reviews these late fees charged in respect to state law AND reasonableness. How can a company charge a late fee before the due date has passed? Consequently, CareCredit has preemptively negated my effort to pay more than the amount due each month to reduce my balance as soon as possible! CareCredits policy of charging a late fee irrespective of whether a payment is late ( evidenced by assessing the fee ON the due date ) is FRAUD!! 

I look forward to a response from CareCredit.
Product: Money transfer, virtual currency, or money service

I am writing this letter to formally submit a complaint regarding XXXX unauthorized wire transfers that have occurred from my account, without my consent. The unauthorized transfers were as follows : XXXX for {$1000.00}, followed by {$33000.00}, and another for {$41000.00}. 

Upon discovering these unauthorized transactions, I promptly contacted the receiving bank who confirmed that they would close the account and report the transactions as fraudulent. According to the documentation provided to me by the bank, the account linked to the last XXXX digits XXXX was closed due to fraudulent activities associated with these transfers. 

As a result of these unauthorized activities, I am now facing significant financial loss at a critical time as I am scheduled to undergo a major XXXX in the near future. Therefore, I am urgently requesting that the total amount of these unauthorized transfers be returned to my account at the earliest convenience. 

I am reaching out to you with the hope that Bank of America will take immediate action to investigate and rectify this matter promptly. I trust that your esteemed institution will cooperate and provide a responsible solution to ensure the return of the funds to my account. 

I kindly request your prompt attention to this matter and look forward to your swift response and the resolution of this unfortunate situation. Should you require any further information or documentation from my end, please do not hesitate to contact me at XXXX or XXXX Thank you for your immediate attention to this urgent matter. 

Yours sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Upon looking at my credit report I noticed that there was a collection account/charge-off account that was opened fraudulently without my permission. My identity was stolen and used to open several fraudulent accounts and make several fraudulent inquiries. The account in question is XXXX XXXX XXXX XX/XX/year>. This account needs to be removed immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit card or prepaid card

SYNCB/GAP has incorrect information about my account being reported to the 3 credit bureaus. SYNCB/GAP states I was 30-59 days late in XX/XX/2020 on my account.However, I have never made a payment 30-59 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

There was not a specific option for my issue. 

My daughter went to college, I co-signed her loans. She failed to pay the so I am stuck with them. One specifically is being paid to XXXX XXXX, they were in the middle of a lawsuit/settlement due to not being able to provide proof that they in fact own the loans. 

I have never seen a document from them proving that I in fact own them the loan? 
Amount is around 40, 000?
Product: Checking or savings account

I opened a new account with citi on XXXX. Its been over a year and I have yet to receive the terms advertised/offered. ( XXXX bonus miles ) An investigation has been opened on XXXX and STILL no solution. Case # XXXX. Prior to case being opened Ive talked to XXXX Agent ID XXXX @ XXXX who said everything looked great and I should be rewarded soon for my new account. Estimated 60 days Months past and nothing. On XX/XX/XXXX I spoke to XXXX @ XXXX who transferred me to XXXX in the credit card department and he transferred me to XXXX in customer. Now theyre giving me the run around. Super frustrating. Today XX/XX/XXXX supervisor decided to end the call instead of coming up with a solution. Ive been hung up on now about 4 times.
Product: Mortgage

For over four years since XXXX, I have been trying to do a loan modification and/or short sale on a property located at XXXX XXXX in XXXX XXXX, MO through the financier, Bank of Americaa. This home, valued at {$20000.00}, has a balance of {$76000.00} owed, due to the over estimation of the value by BAnk of America. In XXXX, I attempted to short sale, and as recently as this year. Each time, BAnk of America mandated that I take off work, to the Bank to take tons of paperwork, submit tons of paperwork, only to both sides decide for no logical reason that I could not short sale. In XXXX XXXX, BoA even had their appraisers to come and substantiate the value of the {$20000.00}. Then after securing a buyer that agreed to even pay an extra {$5000.00} over their agreed-upon amount and having a closing date, they once again told me about a week before closing that they would not allow me to sell it and that I could, in their words, " afford to keep it '', even I submitted the cost that I 've incurred and that I am in the red because of this property. I was given a representative at Bank of America for assistance, only for her to tell me that she ca n't do anything for me. On top of it, they charged me " legal '' fees for a short sale that they did n't even allow!!, plus cost in leaving work because they needed me to come into their bank to [ BoA ] to fax papers. During both attempts, I used a representative real estate agent that specialized in short sales. This bank is atrocious to it 's customers. They refuse to return calls in timely manner. BoA deliberately tries to prevent short sales. I would receive less than 24 hour notices to submit paperwork for this short sale, while they would take a week or more to even reply. Additionally when I asked about modification or HARP, I was told that they could n't help me. This bank needs to be investigated.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Have been banking with Sofi money account since XXXX and have been using the account for transactions successfully and I trusted the bank not until for no reason my account was restricted and was told to call the customer support of which I did but they keep telling me they will transfer me to the security department because theyre the right department to discuss why it was under review and I always later ended up dropping a voicemail waiting for response from the security department .. since XXXX XXXX till date XX/XX/XXXX I have never heard from the security department or Sofi about my money and they tend to even hang up calls on me most time for my own personal money which I find very disrespectful and bad. I used other banks and once they dont want to continue with u they mail a check over to your address since they closed the account no what I see it to be is Sofi just want to steal my money from me {$12000.00} is my available balance. Also XX/XX/XXXX I received an email from Sofi money that my restrictions on the account have been lifted but when I tried to take out my money it got locked again.
Product: Mortgage

I was behind on my mortgage and called the mortgage company to make a payment on  X/XX/2017   . I was told at that point that I could not make a payment with them, but I needed to contact  XXXX ,  XXXX ,  XXXX ,  XXXX  regarding a reinstatement quote. I immediately called them and was told that I needed to send in writing that I was requesting a quote. I sent them an email on the same day  X/XX/2017   . I received an email back from them the same day stating that they could not find my account. I never heard back from them again until  X/X/17    when I was served with a summons for foreclosure. Again, I contacted the mortgage company and  XXXX  's office regarding the payments that needed to be made. I was told again to send an email requesting a reinstatement quote ( as it had to be in writing ). I sent the email on  X/X/17   , this time with no response. I followed up with the mortgage company about a week later, who stated that the lawyers office forwarded them the quote email and they replied back the same day with the total amount. I called  XXXX  's office on  two  separate occasions having to leave a message both times with no contact back. I finally sent my  3rd  reinstatement quote request on  X/XX/17    by email again. This time I received an email by the end of the day, with all fees and costs quoted, but with an deadline to pay by  X/XX/17   . They gave me a 4 day deadline to pay close to {$10000.00}, and this is AFTER I was already told twice by their company that I would have 30 days to pay reinstatement from the date that the quote was given to me. I feel that if  XXXX  's office has responded when I first sent the email back in  XXXX , or even the second email the beginning of  XXXX  there would be more time to resolve this issue as supposed to 3 days before I am supposed to respond to a foreclosure summons. I also feel that 4 days is an unreasonable amount of time to try to pay back fees, especially when I was already told twice that I would have 30 days.
Product: Mortgage

HomePoint Financial is my mortgage servicer. The loan number is XXXX. I am in the process of selling this house, and I have a buyer who is going to assume the mortgage loan. 

This is an FHA loan and HomePoint is not allowed under FHA and HUD regulations to impose restrictions on a loan assumption as long as the new buyer is creditworthy. 

HomePoint started the process of the loan assumption, and then today notified me that they intend to sell my mortgage to another loan servicer on XX/XX/XXXX, and that they will not complete the loan assumption. They are permitted to sell my loan, but selling it right now imposes restrictions on my loan assumption and is contrary to FHA regulations that they are obligated to uphold. They are essentially imposing a bureaucratic 36-day delay on the loan assumption process that is untenable. This delay will have serious and unavoidable consequences for me. My buyer will back out, preventing the sale or assumption of my current home, and the rate lock for my new home purchase will expire, making that home unaffordable due to the higher interest rate, and I will lose {$5000.00} in earnest money.
Product: Credit reporting or other personal consumer reports

On, or about, XXXX, I mailed, uploaded and called both Transunion and XXXX about an account on my consumer report that were unverified and invalidated with the intent to get the accounts deleted based on these findings. Both Transunion and XXXX then replied back to me, Transunion via letter and XXXX via online app, that the account was indeed verified and updated. However, there are inaccuracies in the reports as noted in my uploaded pics of the " updated '' account in my consumer profile. I am aware of the rights granted to me by the FCRA, specifically 15 USC 1681a which speaks on the duty of the consumer reporting agencies to report accurate information. This account is not accurate in multiple ways as shown in my uploaded documents. Please see attached files.
Product: Credit reporting or other personal consumer reports

please remove these inquiries from my credit report the are unauthorized and fraudulent items below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
( Original Creditor : MICHIGAN MANAGE ) XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am see on my credit reports that Syncb/Walmart is reporting the account open and a late payment after speaking with the office of the president I tried to contact synchrony bank and keep getting hung up on I've tried reaching back out to the agent who works in the office of the president department and have not been contacted back
Product: Debt collection

I sent a letter advising am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights ot privacy and confidentiality under 15 USC 1681.
Product: Checking or savings account

Consumer Financial Protection Bureau I am writing you regarding SANTANDER BANK N. A. who has violated the Bank Privacy Act. 
We have been a customer of SANTANDER BANK ( formerly XXXX XXXX  ) for the past 10 years. XXXX XXXX XXXX established this account under XXXX XXXX in the center city XXXX in XXXX. The authorized signers on this account are XXXX XXXX and XXXX XXXX. 

The problem occurred XXXX/XX/XX/XXXX when SANTANDER BANK attempted to give our account to someone else named XXXX XXXX at a branch in New Jersey. And from what I understand from Fraud Department that this person had to tell them the account was not hers, let alone XXXX XXXX was a child of XXXX years old. 

I contacted the bank on several occasions about this matter and let them know that since our account had been compromised that I wanted them to open another account. At this point they informed me that to open another account I would have to complete a Certificate of Organization for a Limited Liability Company and pay {$120.00} to do so. I let them know they caused the problem and needed to correct the situation so we could continue doing business, and they did nothing. 

I have attached three ( 3 ) letters I sent to SANTANDER BANK addressing ; XXXX XXXX the branch manager at XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX customer service manager #  XXXX, XXXX XXXX, Co-President/head of Consumer & Business Banking and XXXX XXXX, CEO all sent via email. 

I would like it to known that SANTANDER BANK violated our privacy and should be sighted for that and the way they have inconvenienced us because of their lack of procedures. 

I appreciate you looking into this matter and you can contact me by email or telephone.