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

My name is XXXX XXXX XXXX XXXX and on XXXX XXXX, 2024, I noticed a descrepancy on my credit report. I saw a finacne charge from a company called Aqua Finance. I have never heard of this copmpany, so I reached out to the number on XXXX, XXXX, and no assistance was provided so I mailed out a validation demand. It has been over 30 days in fact it has been 60 days to the date, XXXX and I want this descrepancy removed. My credit report is reporting XXXX dollars owed and again I have never heard of this company, Nor have I ever done business or gave them permission to access my social security. Below is a copy of the second letter I sent after not hearing from them for 30 days. 

XXXX XXXX XXXX XXXX Aqua Finance Inc XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WI XXXX XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, on XX/XX/year> and a second XXXX XX/XX/year> Requesting to be provided : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Under, the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation that you did receive my letter on XX/XX/year>. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX XXXX XXXX XXXX <Dated XXXX
Product: Debt collection

I got a call from XXXX at XXXX on XXXX. I also got a call from the same number a week before. XXXX was the phone number the voicemail left to call. The voicemail was an automated recording to call about a fraud alert. This was the same voicemail from the week before. When I called the week before, no info was provided to me. When I called yesterday, on XXXX, I spoke with a gentleman who said he was XXXX XXXX, that the company 's name was XXXX XXXX, that their address was XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. I did not reveal any personal information of ours, but that gentleman had a previous address of ours, but not current. I was informed that my husband had gotten a cash debt advance from Bank of America in XX/XX/XXXX ( which he did not ) and that unless I wanted legal action to be taken immediately, including arresting my husband, that he would need my debit or credit card info right then and there to pay off the debt. I refused and told him he could pursue legal action since my husband did not commit any fraud, nor perpetrated any crime, and since any statute of limitations would have passed on any contract claim, which was inapplicable since my husband did not have that debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXF XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please find the disputed items in my file below
Product: Credit reporting or other personal consumer reports

I was informed that under my credit report specifically from Equifax I appeared as an authorized user of a XXXX XXXX XXXX credit card that seems to be charged off or in collections. When I called Equifax they said they could not remove this and that they needed to submit a case to XXXX. They also suggested I reach out to XXXX myself. When I did after multiple hours of research and being transferred to multiple departments no such account exists under my SS #. All my accounts with XXXX are current and in good standing. I even had them look into my deceased grandmothers account which could have been the only possible scenario of who would have added me as authorized user. And again all the research resulted in them not being able to find anything that links back to me. I am in the process of a very important purchase with a closing date of XX/XX/24 and at this point this situation is putting that in jeopardy. I am at risk to not have this resolved on time both Equifax and XXXX state it takes approximately 30days for a solution.
Product: Checking or savings account

I have a PayPal account. I discovered that PayPal had frozen my account. I have written them and called many times. I have submitted paperwork including my drivers license and bank account statement, which they indicated they needed as proof of change of address ( I moved ). I was hoping to unfreeze and use my account. I have been waiting more than two weeks since the last interaction. They told me unfreezing the account would take 2 days. ( I got through to a real person one time. ) Ever since I got through once, I can no longer get through to them and there are no methods available to email or contact them. My emails get bounced back as no reply. And my calls get answered by an AI system, and then they hang up on my no matter how I try to get through. At this point I have been trying to close my account. I can't do it. I tried using the " close account '' process in my account once I login. It does not work. The process results in an 'error. ' I am not sure if I had funds in my account, but it is currently at a XXXX balance.
Product: Credit card or prepaid card

I received a credit card in the mail from Key Bank. When I called they told me someone was trying to open an account in my name and had my social security number. This happened on XX/XX/21
Product: Credit reporting or other personal consumer reports

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, TRANSUNION shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage.
Product: Credit card or prepaid card

XX/XX/2020 I tried to use my card to pay for grocery and pharmacy and it did not work. 

XX/XX/2020 I called BofA and the supervisor said the account was closed due to fraud and that all systems were down and I would likely not have access to my money for weeks. Rep referred me to CA EDD XXXX Unemployment ). 

XX/XX/2020 I called EDD they stayed my account was in good standing and open. They acknowledged there was a batch of accounts flagged for fraud but insisted mine was not one of them. EDD directed me to call BofA to demand my funds. I stayed on the phone 6 hours and was hung up on many times during 12 transfers that escalated the call and after 6 hours they insisted there was nothing the could do. One of the supervisors was going to call with me to EDD to verify that the info was error but instead hung up on me. I asked for this so called bank account closure to be put in writing and was also refused. I provided proof of my various calls as well a screenshot of my prepaid bank card. Notice how the BofA portal says nothing about my account being closed. EDD portal also shows an active account. Yet the BofA card wont work and when I call BofA to say there is nothing they can do and are aware of thousands of other callers but no action to fix it even when someone takes 6 hours to try to manage it. They said only the sponsor can close it but isnt there laws protecting balances on prepaid cards? The card has my name on it. I should be able to pull the money out. 

Please help! 
XXXX XXXX
Product: Debt collection

I have never done business with United Revenue Corporation. I do not have a signed contract with United Revenue Corporation. I am not liable for this debt from XXXX XXXX XXXX. This is my second attempt asking for proper debt validation that meets FRCA requirements. On XX/XX/2018 I contacted United Revenue Corporation asking for a proper debt validation. United Revenue Corporation failed to complete this request. An alleged e-bill does not meet FRCA requirements for validation. If United Revenue Corporation can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. United Revenue Corporation does not have permission to contact me by e-mail, phone, nor US mail. All communication is to be kept within the cfpb portal.
Product: Credit reporting or other personal consumer reports

Transunion has reported negative and innacurate related to a XXXX XXXX XXXX  Credit Card. I requested proof this account is mine on several occasions and they have failed to provide anything at all to proof accuracy of payment history, ownership or balance.
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, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXXhas 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 or other personal consumer reports

I am writing to request that the following accounts and inquiries, which were opened as a result of a data breach, be blocked and deleted from my credit file in accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). As a victim of identity theft, these accounts were opened without my knowledge or authorization. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4600.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I paid an early withdrawal penalty to access a {$36000.00} CD. It was transferred to my Capital One Savings Account. On XX/XX/XXXX, I attempted to transfer the funds out of my Capital One account. By trial and error, my withdrawal was limited to XXXX. I attempted again on XX/XX/XXXX to transfer as much as possible out of the bank. This time, I was limited to {$10000.00}. I continued to attempt to move my funds with no online guidance of limits. On XX/XX/XXXX, I was limited to {$5000.00}. I finally called a customer service rep and was told I was limited to {$25000.00} in transfers per calendar month. I attempted to move money out on XX/XX/XXXX and could not do so. Thus, I paid an early withdrawal penalty on my CD and can not access the money I paid a penalty to access.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments.

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship.

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, XXXX XXXX
Product: Mortgage

In XXXX, 2016, my mortgage was purchased by Ditech, LLC from XXXX XXXX XXXX. At the time Ditech purchased my loan, I was in the process of a loan modification with XXXX where I was in the midst of my three trial payments prior to the modification being finalized. Since Ditech has resumed responsibility for this loan, I have incurred numerous additional fees to my account due to their delay in processing my modification documents. Every time I contact customer service, I get a different answer from a different representative. It is beyond frustrated. I completed the modification tiral payments in XXXX, 2016, and continue to fight with Ditech for an accurate, final monthly payment. While Ditech has taken it 's time to finalize my load modification, my credit continues to suffer as Ditech is reporting my load delinquent. I have made attempts to make payments, and each time I call, I am told a different amount is due as a result of numerous errors, and delays on Ditech 's behalf. I have spent hours, upon hours on hold, only to be told to wait another 3-5 days for an issue to be resolved, only to contacthem them back and be faced with another obstacle. This company has deplorable customer service and lacks accountablity. I have done and provided everything this company has asked of me since they resumed my mortgage, however, I as the consumer have continued to suffer deleterious monetary and credit rating decreases due to this company 's negligence. It is XX/XX/2016, seven months since Ditech has been my mortgage lender and their continues to be issues after with my monthly payment amount. I have never experienced such subpar service from a financial institution.This company needs to be thoroughly investigated by the CFPB as they are grossly negligent in the way they process loans and modifications,, payment calculations, they do nothing timely, and I am sure they are out of federally regulated time frames, and other mortgage service obligations. Their customer service is extremely inept and promotes XXXX and frustration amongst borrowers that are trying to do the right thing to keep their homes.
Product: Mortgage

My Father took out a reverse mortgage. He died in XXXX 2015. I am the executrix and have been working diligently to attempt to complete a deed in lieu of foreclosure process with Wells Fargo Reverse Mortgage company since XXXX. Wells Fargo is unresponsive to my messages and calls, loses my fax submittals and sends me letters threatening me. I am looking for assistance in dealing with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give NATIONAL CREDIT ADJUSTERS XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

NATIONAL CREDIT ADJUSTERS XXXX, XXXX and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give NATIONAL CREDIT ADJUSTERS XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with NATIONAL CREDIT ADJUSTERS XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with XXXX and XXXX who are allowing NATIONAL CREDIT ADJUSTERS XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on XXXX and TransUnion credit reporting agencies. I noticed some inaccurate accounts reporting adverse credit information thats not even actually true. Such as follows : on XX/XX/XXXX card ending in XXXX my account balance was {$7.00} but the credit bureaus changed my account information to {$460.00} which is a complete lie for XX/XX/XXXX and caused my score to go down by about XXXX points which is very strange this happened while Im in the process of possibly buying a new home. I contacted my credit company which is XXXX  XXXX and they advised me that they are not the ones updating this adverse information they stated please dispute with the credit bureaus for this is not reported by XXXX  XXXX card service department. Attached will be a copy of my XX/XX/XXXX XXXX  XXXX credit card statement please update and correct thank you for your understanding for this adverse information is hurting my chances from obtaining credit!
Product: Checking or savings account

Hello, I went to Bank of America XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to deposit my tax return check but they refused to accept it because it is addressed to me and my wife. They asked me to add my wife to the account as an owner to be able to cash the check. I added her as a benefitiarry but they still refused to cash the check and asked me again to add her as an owner. I asked if there is any other was such like bringing her with me to the bank in-person or any other was dbesides making her a full owner to the account but they refused any other option. Adding my wife to the account as an owner to just cash a check is not appropriate. So I had an argument with the employee XXXX, and the XXXX XXXX so they took the subject very personal and started making it even difficult for me tpo add my wife as an account owner. 

I wend with my wife to the branch today and almost had a XXXX XXXX from the staff and managers there. This branch has the WORST EVER customer service. Its my third time visiting this branch and experiencing the same. The employees lack basic skills and the XXXX is even worst. I wonder what the XXXX is doing leaving the branch with unqualified employees and management to run it. I went to the branch today and was " tortured '' by XXXX who lacks the basic communication skills. She only wants to talk and refuses to listen and at the end, she threatened me to cancel the meeting and have my request delayed for days. I spoke to the XXXX, XXXX, who did nothing but watching and peaking from behind the door. XXXX also has no customer service skills what so ever. 

I was worried that XXXX changed my account or add or remove services that I did not authorize so I asked XXXX to verify her work. XXXX said she will do but she never did. I am worried what XXXX has done in my account. 

I finally had to add my wife as an owner to cash the check. However, I am so worried that XXXX and XXXX may manipulate my account and change the services or anything else without my approval. I request an investigation to assure that they did not miss up my account. I clearly asked the XXXX XXXX to verify XXXX 's work but she ignored my request and did nothing. 

Thank you. 
XXXX XXXX