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 confideniality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 an 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. 

XXXX is re-aging the debt which is against the FCRA.
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the TRANSUNION for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/, with the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

Said XXXX payment not made Payment was made on XX/XX/year> Nissan has credited wrong account 4 times and my credit score has dropped over XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX ACCT # 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
Product: Credit reporting or other personal consumer reports

This supposed debt has been sold to Velocity Investments. I have asked for them to verify the debt. On my credit report it states that XXXX XXXX owns the debt.
Product: Checking or savings account

On XX/XX/2022 I wrote a check and mailed it XXXX XXXX, the apartment complex I moved from. The following day the check was cashed via mobile deposit. A few days later, XXXX, a fraud XXXX at XXXX & XXXX XXXX called and stated that she felt my check was fraudulently cashed and I should contact my bank, Wells Fargo, to start a claim. She was going to investigate matters on her end also. I immediately called them to start the process. On XX/XX/2022 I received a letter via mail stating they would investigate the matter, reach out to me with any additional information needed, and this process would take 90 to 120 days. That was the last I heard from them. After 90 days had passed and I called and was told I needed to wait the 120 days before I could get an answer. After 120 days I called again, as I hadn't heard anything from them, and was again told I needed to wait. I then began calling weekly for updates, each time being told that the 90 to 120 days is a general time frame and they were waiting for XXXX & XXXX to return the funds. I went into a local branch of Wells Fargo and had a employee help me look into matters and started a complaint with the bank. This also led to no resolution or my money being returned. I did receive a call from a customer service XXXX. She suggested I contact XXXX & XXXX and discuss with them why they haven't returned my money they fraudulently gave to another person. I contacted XXXX numerous times and she failed to return my calls concerning my money. At this point I went into a local branch of XXXX & XXXX to speak to the branch XXXX for additional help. He also tried to reach out to XXXX with no answer from her, again. Both bankers I spoke with told me it shouldn't take more than 10 days to resolve a matter like this. My concern now is that there may be a time limit on how long it takes them to return my money and they will no longer be responsible to get it back to me. I've had to pay this money twice. {$1400.00} dollars may not be a lot to the banks, but it is to me. 
I'm hoping you can help me resolve this or point me in the right direction. I'm only getting the run-around from both of these banks. 
I look forward to hearing from you. Thank you, in advance, for your help.
Product: Debt collection

( PORTFOLIO RECOV ASSOC ) at XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$390.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Checking or savings account

In XX/XX/2020, I discovered my debit card number had been stolen, somehow, and used for fraudulent charges overseas. I can't travel - ever - due to XXXX. I am single and do not let anyone else use my card. The card itself was not stolen - just the data. Someone used the data to steal funds from my account in the form of cash advances. I immediately notified the company the second I found out about the fraudulent charges. The company sent a form to me to fill out, which I did and immediately faxed it back to them. The gave me a " temporary '' credit. I just found out today this company reversed the credit without providing any explanation. I tried to reach the company through their 24 hour number. I never got to speak to a live person. I tried to get through after pressing the required number to reach a person for over 2 hours listening to hold music. No one ever answered! Also, I attempted to contact the company regarding the fraud charges last month and never could get through to a live person to discuss the case.
Product: Checking or savings account

On XX/XX/year> I received a notification from saying it had been a transaction for XXXX on my account I then called chime and notified them after a little while they told me the card might have been compromised but I have my phone, card etc with me they told me they would send a digital card for me to use in my chime app until the physical call arrived since then I have been completely lock out my account now then they wanted me to send a pic of my state id which I did XXXX  times and they return what seems like a generated msg is we can not verify your account and can not lift the restrictions on your account I went from having full access to none at all and something are not making any sense they just keep giving the run around I ask for them to close my account and refund what I have in the account and they just keep saying the same things over and get with I have direct deposit plus my money in the account and they have no means of how to resolve the situation
Product: Checking or savings account

As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well. 

I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well. 

For reference account was opened in XXXX FL I seek prompt resolution to my query.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about XXXX XXXX XXXX enrolling me in XXXX and charging me for XXXX for a XXXX I did not attend complaint # XXXX. XXXX removed this from my credit report however Experian refuses to remove the fraudulent charges. I owe over {$4000.00} for a loan for two classes I didn't attend more than a week. I withdrew from the XXXX XXXXXXXX XXXX and I was charged for future classes that I was enrolled in by the XXXX I didn't attend more than 75 percent of the two XXXX I was charged for and I definitely don't owe for additional classes after I requested withdrawal from the XXXX  These fraudulent charges are still being reported on Experian. 

This has been removed from my XXXX and XXXX report but not Experian as I requested a year ago.
Product: Mortgage

For the last 5 years, we have been making mortgage payments to Caliber Home Loans twice a month via our checking account online banking application, in the amount of {$1000.00}, on the XXXX and last day of the month. Caliber, up until XX/XX/2019, would place the first {$1000.00} in a suspense account. When the second {$1000.00} was received, Caliber would then apply the {$2000.00} to the {$1800.00} due and credit {$140.00} to principal. This practice is in accordance with our mortgage documents and the disclosures provided on Caliber Home Loan monthly statements. 


In both XXXX and XX/XX/2019, Caliber applied the first {$1000.00} payment to additional principal, rather than place the funds in a suspense account. When the second {$1000.00} was received, it appeared that the monthly mortgage payment was short by {$850.00}. Collections calls began on the XXXX of XXXX and XXXX. In both cases, we spent extended periods of time on the phone with Caliber telephone to correct the payments so they are posted and applied accurately. 

Caliber Home Loans is in violation of our mortgage agreement and is providing deceptive disclosures to their customers on their monthly account statements. The teller we spoke to on XX/XX/2019, XXXX, stated on our call that this is a known problem being experience by a number of customers
Product: Debt collection

I never received my sign signature, original contract, or any information about this debt.cease and desist please. Please delete this account asap. 12 CFR 1006.6c
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is reporting account number : XXXX as opened on two different days. The date open reporting to XXXX is XX/XX/2013 and the date opened reporting to Transunion is XX/XX/2013. This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.
Product: Debt collection

Kept calling me all hours snd still do..they told me I could settle my debt for XXXX. And then decided that was n't enough..they are charging me double of what I owe..and went into my account and hacked my computer ... .destroyed it..gave me a worm..threatened to take everything I own..they are suing me for the money I oue them..they said they can enter the Condo I live in, it does n't belong to me.. I was so scared..I do n't think this is right ... they held up my payment and charged me the highest interest.. I lost my job and had to take my early Social security, which is peanut..I asked to help me and they wouldn't.. it 's Walmart..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  : {$3100.00} XXXX XXXX, XXXX. XXXX XXXX  : {$13000.00} XXXX XXXX XXXX  : {$28000.00}
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I went to check my balance for my Chime account. It said my user ID and password did not match, so I clicked the link to reset my password. I was sent an email that contained hey very generic message, stating that my account would be closed on XX/XX/XXXX Due to terms and conditions being violated. I am mediately tried to call but can not get through, you have to have a valid account. I sent several emails, I was told the same thing each time. They cant tell me how The terms and conditions were violated, they dont have access to that kind of informationthey cant tell me what transaction it was, the only thing that they could say is that the money from both my checking and savings accounts ( {$3600.00} ) would be sent to the address on file within 30 days. I contacted an attorney, she mailed a demand letter. They claim they have not received it. 30 days passed & on or around XX/XX/2021 I used my husbands information to get someone on the phone, this is where I was told about the check they supposedly had mailed out weeks prior, on XX/XX/XXXX in the amount of {$1700.00} to be exact.

Shortly after I emailed again, and had a very failed attempt to contact them via phone as they had blocked my husbands account altogether. There is no longer an account tied to his number.

This email asked me to verify my mailing address, and since I didnt receive that check, that they canceled it & that they were mailing a new one.

Previous to the account closure my car had been used with two different merchants that I did not approve on three separate transactions. All three transactions are on the same dispute. They recently granted one in the amount of {$40.00} and claim that it was put back in my account, ( The same account they claim was closed ) denied the other charges stating no error occurred.

I had zero notice of the closure until it was done I am unable to login to see my bank statements, transactions, and they had {$4600.00} ( including the credit from the dispute that was due to post at the same time of closure )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing Complaint due to the fact Equifax, XXXX and XXXX fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to XXXX ; XXXX continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT Equifax and XXXX fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date XXXX still reports false allegations that the XXXX Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) EQUIFAX, XXXX and XXXX credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card or prepaid card

I have two Credit cards with Citibank Ive never late or missed any payments and for the last three months Ive had high balances but making multiple payments per month three weeks ago they lowered my credit limit on one of the credit cards then my credit report dropped by XXXX points and today they lowered my credit limit on the other card when I spoke to them they said they lowered it because my credit rating dropped as I said Ive never late always pay my balance is off until three months ago but still never late never missed a payment please let me know what I can do I just paid the cards down {$1000.00} each and now they decrease my credit limit what can I do
Product: Credit reporting or other personal consumer reports

I have sent several letters to Experian ( consumer reporting agency ) to update my credit report to remove any employment info from my report as they do not have my permission to report this info. Additionally, I've sent them letters informing them my only name that should be reported is XXXX XXXX XXXX and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. Any names or addresses that differ, need to be removed. 

Experian also emailed me a recent update regarding my dispute. In this update, they noted " At your request, the following organizations will receive the results of your investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I did not request for them to send the results to the aforementioned companies. This is a violation of my rights per the FCRA. Furthermore, Experian is reporting erroneous information as it pertains to an alleged debt with XXXX XXXX XXXX. They did not send me a method of verification as requested. This account should be removed from my consumer report as it is causing me harm, stress, and the inability to to obtain additional credit. Experian also continues to send stall letters every time I dispute to discourage and intimidate me from taking further action.
Product: Mortgage

Hello We are in desperate need of help with our mortgage servicer. The name of the company is Seterus. We feel this company continue to treat their clients unfairly. They have continued to do so, because no one is holding them accountable. If you look at their reviews from every site, the reviews are terrible and the stories are very sad. This company places your funds into an suspense account and make up ridiculous fees in order to apply the funds to it. They keep applying an NSF fee, which we took care of months ago. Then there is property inspection fees even when your loan is current. They also state the loan is past due or not current, it's like when you pay the amount they say is due, they find ways to say even more funds are needed. We have called several times to get an explanation of fees and how they apply extra funds. Each and every time, the call last at least an hour. The representatives have never been able to give us a clear explanation of fees/overages. They place you on hold for extended periods of time then transfer you to another rep, who is unable to explain fees or answer questions. 
[ We have spent months looking at their reviews and again, it breaks my heart how this company is behaving. This prompt me to file a XXXX case, which is still somewhat open. Seterus response was that they are not doing anything unethical ... ... Even the report they provided is unclear regarding fees. A customer relations rep, XXXX XXXX responded to XXXX, denying allegations. My response back to XXXX, was why should we believe her, when her voicemail greeting states she will be back in the office on XX/XX/XXXX, we are currently inXX/XX/2018. Why haven't her manager held her accountable regarding voicemail greeting. After bringing it to the XXXX attention, Ms. XXXX updated her voicemail greeting, but I was able to allow several people to listen to voicemail greeting as proof. We even told the company they could possibly feel the wraft of government officials and appear before XXXX XXXX, but they continue to deceive customers. 
Again, we know you along with your staff is very very very busy, but please please please help us with this matter. If you can not help, please please please point us in the right direction to get some help for us and many others being BULLIED by this company. 
Thank you
Product: Debt collection

a judgement was placed against me and funds taken from my bank acct. when summoned to court, all funds where returned due to violation of FDCPA. judgement was not released at that time, i filed for revocation of judgement and it was satisfied. collector still reporting to credit bureau i owe twice as much.
Product: Debt collection

Company Name : Awa Collection Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Whom It May Concern On XX/XX/XXXX, I was looking on my XXXX  account to get an update credit score and noticed that Awa Collection a collection agency for the XXXX XXXX for the amount of {$310.00}. 15 U.S.C. 1681, I never gave the company consent to furnish my information or obtain my information. I am writing this dispute claim on my credit report because I lost my job and been living on the street for the past 2 years. I am unable to pay any debt collectors because I cant hold a job due to the fact I have XXXX. In XXXX, I got into a horrible car accident and suffered a concussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Suncoast Credit Union Bank reported my credit card to credit bureaus 3 days before my monthly closing statement date. 

My monthly closing statement date is the XXXX of every month. Suncoast Credit Union reported my closing statement on the XXXX of XX/XX/2022 which was 3 days before my closing date without my notice and without my consent. 

Due to these actions by Suncoast Credit Union, my credit score has dropped with the credit bureaus and has negatively impacted me and my purchasing power. 

I have tried to dispute this issue with them but have been inconvenienced to call while at my occupation to solve this dispute. 

Unfortunately, Suncoast Credit Union was unable to provide a solution to this issue after hours over the phone with customer service and fail to provide notice of this action.