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. 


XXXX XXXX BANK XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry by cap one on XX/XX/23 that wasn't made by me. 
Credit inquiry by trust  on XX/XX/23 that wasn't made by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is using a wrong postal address as my personal address in XXXX Va. They responded to my complaint disputing their claim that I owe a debt to XXXX XXXX, which they purchased. They stated the debt bought from XXXX XXXX was a delinquent credit card. I never had a credit card account with XXXX XXXX  or XXXX XXXX. Moreover, Portfolio is reporting the debt to XXXX  as originating with XXXX. I did not have any credit card account with XXXX either. XXXX and XXXX are not the same bank. In Portfolio 's response the last 4 digits ( XXXX ) of a credit card were presented as proof of the existence of an account. I want the full account number, the dates of the charges, and to whom, and the last payments made on the account and the beginning and ending balances at the time. Portfolio claims a charge was due of {$190.00} on or about XX/XX/2019. If Portfolio has the original records they would have exact dates and amounts of the original charges and the dates of the charges, as well as to whom the charges were made. Without more definitive information the charges are baseless and must be removed. The information given by them is an amalgam of disparate information that does not verify the existence of a bona fide account attributed to me..
Product: Credit reporting, credit repair services, or other personal consumer reports

My son received a letter from Chase Bank denying him for a credit card, so I ( his mother ) contacted the bank and was told his credit had already been pulled. So, I mailed a letter to XXXX XXXX and the Better Business Bureau. I also called XXXX XXXX at ( XXXX ) XXXX and ( XXXX ) XXXX. I went to XXXX, but because my son is a minor, this application was discarded. My child is a minor and information on the credit card application was incorrect, but I am unable to contact XXXX XXXX to have it removed.
Product: Debt collection

HUNTER WARFIELD A COMPANY BASED IN XXXX FL THAT ACTS IN BAD FAITH AND TRY TO USES BULLYING TACTICS TO PREY ON INDIVIDUAL ALL OVER, NOW THIS COMPANY WE WENT BACK AND FORTH WITH CORRESPONDENCE I STATED TO THEM TO IDENTIFY THEMSELVES PROPERLY THEY DID NOT THEY GAVE ONLY THEIR NAME AND THEY WANT TO COLLECT A DEBT, THEY PRESENTED ME WITH A DEBT IN 5HE AMOUNT OF XXXX, I DONT KNOW WHAT ITS FOR HOW THAT DEBT WAS CALCULATED I NEVER AGREED TO THAT DEBT WITH, ANYONE I ALSO TOLD THEM DO NOT REPORT ANY ADVERSE INFORMATION ON MY CREDIT FILE UNLESS THEY CAN PROPERLY VERIFY EVERYTHING TO ME THEY WENT AHEAD AND REPORTED THE INACCURATE INFORMATION ANYWAYS, THIS IS THE WAY THIS COMPANY OPERATES, THEY PRIDE THEMSELVES ON USING STRONG ARMING TO GET YOU TO PAY DEBTS NOT OWED, THEY NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP, THEY PROVIDE INFORMATION THAT IS SCKETCHY, INACCURATE AND INCOMPLETE ALL FCRA VIOLATION AND THINK THEY CAN ABUSE PEOPLE HOWEVER THEY WANT ... PLEASE REMOVE YOUR DEROGATORY LISTING FROM MY CREDIT FILE
Product: Mortgage

FAY has committed multiple errors covered under 12 cfr 1024.35 ( b ) ( 11 ) when they denied my short sale on a letter dated XX/XX/2022 accusing me of not doing an arms-length transaction. Fay admitted that they never opened up the review on or about XX/XX/2022. They than decided to find a false reason to deny my application so that they can go forward with the sale. They used the same false accusation prior in another application review.
Product: Mortgage

XXXX XXXX with Mr. Cooper Home Loans advised me that my FHA loan conditions were all cleared except the appraisal and that as long as our value came back okay, we would be closing our loan within 2 weeks. I paid an appraiser {$490.00} to do the appraisal, which came in higher than needed. Two weeks later I was told that due to a land lease the underwriter had changed their mind after doing a 2nd review and our lease terms were not exceptable. We weee told our only option was to change our loan terms from 30 years to 15 years or to renew our lease for 40 years, which would cost us {$1500.00} out of pocket and {$3000.00} more per year in lease payments. I asked them why they didnt figure that out before I paid for the appraisal and XXXX XXXX said it was just one of those things and he was sorry. I asked if they would refund my money for the appraisal and they said no that we sign disclosures saying we would pay wheater it closed or not. I said but you lied to me. Does that disclosure cover lies? His reply was that this out out of his control.
Product: Checking or savings account

On XXXX XXXX, 2021 I received XXXX XXXX Payment for my son minor child XXXX XXXX I have and account with Chime Bank third party banking for XXXX XXXX  the told me that they never received the funds from Social Security, I was told to contact XXXX XXXX when I did the inform me that the fund was send out and accepted by this Bank I then called the Bank they still told me that they did not have these fund Social security contacted the US Dept of Treasury which they said the funds was send and accepted by Chime Bank. When I called chime back I ask for verification that they did not received these fund and can they send me an email they stated that they can not send me this stated because they do not send out emails they have been emailing me all day. I also inform them that I have vbeen recording the conversation. So yes I have a video of the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$910.00} ), XXXX XXXX XXXX ( Opened Sep. XXXX, XXXX, Balance {$450.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

opt out off lexis nexus or any date reporting system id theft victim ftc violation was sent to XXXX  with my 4 social showing on credit report and they haven't done anything
Product: Mortgage

Bank of America is allowing Mortgage Forbearance but they are requiring XXXX, XXXX and XXXX 's payments due with the XXXX payment. It is impossible to be able to pay back all four months in XXXX. They will not put the three months at the back end of the loan. 
New York Department of Financial Services is looking into this but said that their regulatory authority is limited with Bank of America because Bank of America is not licensed in New York. They told me to contact you.
Product: Checking or savings account

On XX/XX/2022, we mailed check # XXXX to our supplier, XXXX XXXX in the amount of {$29000.00}, written on our XXXX XXXX  account. On XX/XX/2022, Navy FCU notified us of a possible fraud matter. The check was " washed '' to read payable to " XXXX XXXX XXXX XXXX '' instead of XXXX XXXX Navy FCU processed the check, the funds were withdrawn from our XXXX XXXX  account, but were not disbursed to the fraudulent check holder XXXX XXXX XXXX XXXX. The funds are still being held at Navy FCU and have not yet been released back to our XXXX XXXX  account. We and our attorney have contacted both Navy FCU and our XXXX XXXX  on numerous occasions and still have not yet received the funds back from Navy FCU that they are still holding onto. Navy FCU has given us numerous excuses on why they have not released our funds back to our XXXX XXXX  account. Navy FCU is still holding our money and we need to have it release back to our XXXX XXXX  account.
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 15 USC 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name XXXX XXXX XXXX  Account Number XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute towards Experian for reporting inaccurate and incomplete information regrading Account # XXXX located on my consumer report. 
On XX/XX/2022 my disput was completed with no changes made and information still showing inaccurately and incomplete. This is a violation of my rights under the FCRA : 15 USC 1681i ( a ) ( 1 ) ( A ) & ( 4 )- The company DID NOT complete a " Reasonable investigation '' nor are showing " Consideration of the Consumer Information '' 15 USC 1681e ( B ) - They are Not maintaining " Maximum Reporting Accuracy '' 15 USC 1681 ( a ) ( 4 ) - They are not respect My right to Privacy, by furnishing inaccurate and incomplete information
Product: Payday loan, title loan, personal loan, or advance loan

I sent a cashiers check to money lion in the amount of {$940.00} XXXX thought it was lost in the mail so I was waiting the 90 days to get a new cashiers check issued. In the meantime I paid off my loan in full with other money. I call back the bank to start the issusance of a new check and they stated money lion in fact cashed my check XX/XX/year> and sent me proof. After many calls to the company. I was told my check is still pending and no explanation as to why. It was XX/XX/XXXX this is now a month and a half and Im told the pending check still isnt approved. I over paid them {$940.00}. Please help me get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies involved : XXXX Equifax XXXX Mortgages company involved : XXXX XXXX XXXX XXXX mortgage payments reporting inaccurate-over 90 days late on consumer reports due to mis-applied payments. This has caused loans to be denied and credit cards limits decreased which has exacerbated my XXXXXXXX XXXX XXXX XXXX as a XXXX vet. 

On XX/XX/2022, my servicing mortgage was transferred from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. That meant that after that date XXXX XXXX XXXX XXXX XXXX collected my mortgage loan payments from me. Stated on first page, Nothing else about my mortgage loan will change On XX/XX/2022, amount due to XXXX XXXX XXXXXXXX was {$0.00} On XX/XX/2022, amount due to XXXXXXXX XXXX XXXX was {$2300.00} I made payment via my XXXX XXXXXXXX XXXX. My bank statement shows the amount of {$2300.00} being withdrawn on XX/XX/2022 On XX/XX/2022, I received an Advance Notice of Late Charges in the amount of {$0.00}, if payment was not received by XX/XX/2022. 
On XX/XX/2022, amount due to XXXX XXXX XXXXXXXX had ballooned to {$5100.00}. The reg payment increased to {$2700.00} including XXXX XXXX XXXX of {$2300.00} My bank statement shows the amount of {$2300.00} being withdrawn from my XXXX account on XX/XX/2022. XXXXXXXX XXXX XXXXXXXX withdrew the money but did not apply it to my mortgage. 
On XX/XX/2022, I received an Advance Notice of Late Charges that my mortgage loan was past due for XX/XX/2022 in the amount of {$2700.00}. If payment not received by XX/XX/2022 a late charge of {$110.00} will be assessed to my loan. 
On XX/XX/2022, I phoned XXXX XXXX XXXXXXXX customer servicer inquiring why mortgage payment increased. The customer service rep advised that a tax analysis was conducted which increased the payment. I advised the customer service rep that my Notice Of Servicing Transfer stated that Nothing else about my mortgage loan will change. I also advised customer service rep that I was a XXXX Vet and that I was approved and received my Exemption Status Letter on XX/XX/2022 and my Residential XXXX Exemption Status Letter on XX/XX/2022. XXXXXXXX XXXX XXXXXXXX should have received those documents because it should have been transferred with my file from XXXXXXXX XXXX. I ask rep why those documents wasnt transferred over with my loan file, rep was not able to provide an answer. The customer service rep advised to send those documents to XXXX. 

On XX/XX/2022, amount due to XXXXXXXX XXXX XXXXXXXX was {$5700.00}. Both my XXXX and XXXX payments were applied to Unapplied funds in the amount of {$4700.00}. 
On XX/XX/2022 I filed for Loss Mitigation workout option. 
On XX/XX/2022, Loss Mitigation Evaluation Notice Forbearance Plan was approved effective XX/XX/2022. The XXXX was to provide temporary relief and determine the inquiry of tax exemption letter. 
XX/XX/2022, spoke to XXXX XXXX who advised me to send exempt letter, a second time to XXXX including Account number, name, phone number and uploaded document.
Product: Payday loan, title loan, personal loan, or advance loan

The online finance/loan company named Upstart, I have been requesting a breakdown of how my payments are getting applied, ( XXXX requests ) because it seems as though the balance is not changing very much at all, for some reason they are stalling and not providing the info that I requested, what they emailed me was the balance on the loan, and the interest rate, and that info I already have, and is not the info that I requested, and they also stated that they don't provide statements,,?, in which I thought was a little odd/strange??, it seems as though this company, Upstart, is possibly hiding something that they do not want to disclose or do not want me to see how my payments are getting applied, and I know some company 's try to take advantage of some/certain consumers, especially consumers with low credit scores. I am a consumer who have rights, and expect this company to provide requested info to the consumer, especially when it comes down to making payments, I am requesting that CFPB, to please investigate this company to make sure there are no violations, and that they are in compliance with the laws and regulations and following all the guidelines that are in effect.I am requesting for a breakdown of what exactly is being applied to principle, and what exactly is getting applied to interest.
Product: Debt collection

I never received ANY COMMUNICATION from this company and it all of a suddenly appeared on my credit report
Product: Credit card or prepaid card

I received a letter saying Capital One was reducing my credit line in half because I hadn't used all of my available credit recently. I have had this same credit limit for over 15 years. I have never been late or abused my credit card. Last time I had a big purchase was for an interstate move. My reduced credit line will not cover that now if I were to move again. I use the credit card each month for television prescription services, but I pay the balance each month. My FICA score is over 800. I have been a good faith customer since 1996. I spoke with a manager at the customer service number provided. She was very rude and refused to help me. She stated for me to call back in 6 months and try again. I guess they do not like having SENIOR citizens as customers. My bank savings accounts alone would pay off the previous credit limit. It was security knowing I had that credit limit if I should move again or have an emergency car repair, etc. I feel this is discrimination and unfair business practices.
Product: Debt collection

A company by the name of Security Cred ( XXXX XXXX ) received a debt for me in the amount of {$660.00}. I contacted the original ( XXXX XXXX ), they told me that someone had applied for an account twice with all my information. The original company mark the account as fraud and told me to notify the debt collector. The company also said an account was never established. But when I made contact with the Debt collector, they stated an account was was open and used. I know no knowledge of this account and nor did it show up on my credit report as an open account until XX/XX/2021 under a debt collection. my credit score was heavily impacted by a loss of 43 points. I am also in the middle of refinancing my home which is affecting my loan approval. The company has made me jump through a lot of hoops and nothing is resolved. I filed a police report and Identity Thief Victim 's Complaint and Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hav
e disputed the accounts that are reported by XXXX XXXX XXXX XXXX XXXX. This department constantly reports inaccurate information on my credit report. Due to XXXX XXXX XXXX XXXX XXXX XXXX failure to report accurately, my rights are being violated under the Fair Credit Reporting Act. This is directly affecting my credit report making it impossible to obtain credit.
The violations committed against me are : 1. XXXX XXXX XXXX XXXX XXXX supplies false reporting * I have made documented monthly payments for the last 5 years that have not been reported * The agency does n't reflect payments made and marks them as being 120 days late.
* XXXX XXXX XXXX XXXX XXXX marks major derogatory marks, even though payments are being made.
* XXXX XXXX XXXX XXXX XXXX has changed the the account open date from XX/XX/XXXX to XX/XX/XXXX.
2. XXXX XXXX XXXX XXXX XXXX does n't respond to disputed information request * I sent a certified mail account dispute letter that was received on XX/XX/XXXX and signed for by an employee. Today is XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX still has n't responded to my request. This is a duration of 167 days that far exceeds the 30 day requirement by law.
After I sent these dispute to both the XXXX XXXX XXXX XXXX XXXX, it seems the agency has retaliated against me by placing these negative marks and changing the account opening date on my credit reports. For the last 5 years I have been paying the required amount that was submitted to my employer. These payments have come directly from my payroll. I have disputed this information with Transunion, XXXX, and XXXX. All three have failed to follow up and pursue accurate information, even though I have sent paystubs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the month of XX/XX/XXXX. I have included all the documents that have been sent to the credit bureaus and the XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Capital One provided me mortgage disclosures at application, which they required me to accept before proceeding, and which I accepted, and provided an updated disclosure two weeks later that did not indicate the required XXXX insurance would be escrowed while taxes would be escrowed. That was acceptable to me. However, now that Capital One has processed my application, they are demanding that the insurance is escrowed. I object to that change ( not to maintaining the XXXX policy ) and have been told they can not " separate '' the insurance from the taxes in escrow.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, There was man who put money into my account. They didn't tell me about it or even ask me about that amount. They just return the money back to the person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXXXXXX XXXX XXXXXXXX initiated an unauthorized inquiry to my consumer report on behalf of I, consumer, XXXX XXXX without permissible purpose. I have attempted to fix this issue with the company.
Product: Credit card or prepaid card

I filed a dispute in XX/XX/XXXX with American Express in the amount of {$16000.00} dtd XX/XX/XXXX. The charge was from the company, XXXX XXXX. The reason for my filing was this company had their business operations shut down by the FTC for making false claims and misleading consumers. I considered this as a scam and breach of contract. I gave American Express all of the supporting documents regarding the case and let them know that the business operations had been shut down and they denied my dispute twice because they could not contact the merchant ( of course they couldn't the FTC shut them down! ). That is the only reason I was given. Out of 7 different credit card disputes I filed for the same merchant and reason, American Express is the only one that denied my dispute. All the other companies ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) I'm not sure if this is considered a complaint you would investigate or if I have any other recourse. Please advise. Thank you.
Product: Bank account or service

I used to have a free checking account at Bank of America. I wo n't pretend I 'm a perfect customer. There have been times when it 's been my fault that the account was over drafted and fees were charged. However, now that I 've been more careful about my spending, I still get charged fees. I have auto transfers set up to move {$550.00} out of one account and put it in another from which I pay my rent. It 's supposed to happen 2x a month on Friday, the day after I get paid. On more than one occasion, BofA began processing that transfer on Tuesday or Wednesday and charged me fees because the balance in the account was below {$550.00}. I intentionally set the transfer to happen AFTER pay day so I would n't encounter that problem.