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

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, and XXXX XXXX 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: Mortgage

A 3rd party insurance claim check in the amount of nearly {$41000.00} to initiate home repairs was received/endorsed by Nationstar. They advised they mistakenly applied the check to our existing outstanding mortgage ( which was less than {$2000.00} escrow included ). This " error '' was discovered in our request to expedite the process. A representative advised the most expedient way to obtain the funds would be to sign an affadavit consenting to their " error '', then the remaining funds would be release via check to us, not the contracted provider-despite all documentation advising otherwise. We, nor the contractor, have received payment OR disclosure of this " revised '' procedure. This hideous, fraudulant-appearing, " mistake '' began mid-XX/XX/XXXX, yet not documented until XX/XX/XXXX. ( See attached. ) Several requests for explanation, documentation, and expedion of said funds have been delayed, ignored, or misdirected. The most recent advice, received on XX/XX/XXXX, is that release of the funds require a minimum of 30-45 days to process. Nationstar advised the " start '' date of that process is that of when they process the necessary paperwork NOT that of when they endorsed the check so who knows when to expect the money. Meanwhile, our home awaits a much needed roof. 

The complaint begins with XXXX not advising us in a timely manner of the sell of our mortgage. This, in fact, complicated the process from the onset, as the initial insurance claim check was written to them as the 3rd party. A total of 4 different checks were submitted by the insurance company due to the lack of timely communications between mortgage companies and us, and the inaccurate processing from NationStar. Secondly, NationStar applying home repair funds to the mortgage, then requiring approval to proceed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX BALANCED {$0.00}
Product: Debt collection

I did not authorize to consent nor benefit from the following account ( s ). Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This complaint to OPORTUNXXXX for allowing incorrect comments account on my credit report. As I checked my recent credit report, the incorrect comments is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXX, I was contacted by the Bank of America XXXX team indicating that there was a check being processed through my checking account for {$4700.00} and was it my check? I stated that it was not my check and the fraud team member stated that he would mark it as fraud and my account would be credited for {$4700.00}. This person was a scammer, but I did not know it yet. He states that my debit card was compromised and that he would send me a new one. Meanwhile, there was a phone transfer of {$18000.00} from my XXXX  to my XXXX  account followed by XXXX XXXX XXXX  banking center withdrawals totaling {$16000.00} between XX/XX/XXXX and XXXX. Bank of America is in the process of investigating the theft from my account. Per XX/XX/XXXX, Bank of America have received the video tapes from the banking centers, which are under review.
Product: Checking or savings account

Capital one ended relationship with me for no reason they never told me why it was ended and refuse to give me an answer first rep I talked to didnt help at all didnt offer any help so I asked for a manager! The manager on the other hand was extremely rude like extremely extremely rude I would like this man fired! But idc my main concern rn is I want my money back they said it could be 1 month 2 month or even a year or two this is illegal I got bills to pay that was my main checking account! This isnt legal and not in FDIC rules this is also highly illegal! I already contacted a lawyer and will be sueing if my money isnt return to me! And I will be sueing for more in compensation! I dont even care if I cant use capital one anymore after this experience so go ahead and close my account! I also told the rude manager I will be contacting the cfpb and he seems like he didnt care and said go ahead
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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  XXXX # XXXX, XXXX # XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX 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

All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been banking with XXXX XXXX bank for years nowAnd recently i applied for an apartment through my XXXX XXXX XXXX  and was denied XXXX actually was told I had a XXXX  which is a lie I went downtown XXXX and got a letter proving that was a lie on my CREDIT REPORT and that my CREDIT SCORE was really badSo that lead me to investigate my history of CREDITAnd when I start investigating I realized that not only am Im being discriminated against but also REDLINED by my BANK and CREDIT bureaus like EQUIFAX and other companies like them have straight up DENIED me CREDIT!!!! I can prove it XXXX XXXX has never approved any of my application not XXXX I am a single XXXX woman that never ever HAD XXXX credit card and XXXX XXXX XXXX XXXX and that makes me cry really hard because this BANK said they can never accept my application due to credit score.BUT they wont allow me to build any history with credit because they tell me NO to every APPLICATION. THAT IS DISCRIMINATION!!!!!!! I only have had a bridge card lately in life and on social security.This is absolutely WRONG.Due to HJR-192 UCC1-308 how is this at all lawful to deny me credit and then tell me its my credit why I cant get any loans. : XXXX XXXX XXXX XXXX XXXX XXXXXXXX get XXXX limits due to their parents demographics of life XXXX I feel used and I consider this bank XXXX and discriminating against XXXX tried calling asking the XXXX XXXX what is the issue and I recently applied for a truck OF COURSE DENIED & on top of it GASLIGHTING ME telling me its my credit and they will mail out the reason for denying meWhich I already know its because of this so called REDLINED CREDIT.I spoke to several supervisor and was treated like a child and talked to like I was absolutely nothing and told basically nothing that was LEGALLY ACCEPTABLEI also have recordings of how they talked to me and the sad excuses they came up with WHICH was not at all LEGALAt this point Im out of option and I want to sue them because I TRULY HAVE NEVER HAD A CREDIT CARD in my LIFEBlack families should have some type of support from the bank I get that you guys have to use us so how could you actually help us financially but honestly its the XXXX and to be honest how would you feel if you if you were treated this wayIm an XXXX woman but not that behind to see when an organization is discriminating against meI want the same equal rights as any other person on this planet.Whats truly sad is that this corporation actually feels that its ok to deny me please investigate XXXX XXXX because I truly have been taken advantage ofUCC1-308 UCC3-603 UCC 3-306 UCC 3-104 15 usc1681 b Discrimination is not okay at all and if youre XXXX May XXXX FORGIVE YOU!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another issue with Northern Trust Co. When my trust account was resigned and transferred by them to a successor company in XX/XX/2010, about {$200000.00} disappeared from the account and in that final month of the closing account they made {$58.00} thousand purchases which also was never paid back
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested that you investigate my Credit File and correct any erroneous information that you may find, But upon checking my Updated Credit Report, I see here that you have done no changes nor updates at all! Let me remind you that according to the XXXX XXXX XXXX XXXX XXXX XXXX  you are required to investigate and update, correct, or remove erroneous information being reported on my XXXX XXXX. You have not complied with the XXXXXXXX XXXX and continued reporting the disputed items as if these are verified. Under the Fair Credit Reporting Act, I request XXXX you to please correct my Credit File by updating or removing the following items off from my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}
Product: Mortgage

Carrington Mortgage Services , LLc has bought my note around three years ago. Recently, CMS has been playing games with the checks I send them. They receive the check before the deadline and try to charge me late fees. Ever since, I asked about cancelling PMI, I have been getting harassed ; CMS call me then hang up the phone. The mortgage has stopped receiving my checks. I send all my checks via XXXX  or USPS. At the moment, the moneys are still sitting in the banks. Recently, I sent the XX/XX/2020 check to CMS. They received the check XX/XX/2020. It appears that the mortgage company is deliberately trying to put me in foreclosure. I sent a letter to the headquarters.I have hard-copies of the situation. Also, it appears that CMS is trying to destroy my good credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Student loan

Dear XXXX ; XXXX/XXXX/XXXX I received a letter today from the Law firm XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXXThe letter stated they were garnishing my wages on a loan that I had desperately tried to repay for the last XXXX years. XXXX XXXX refused all offers to repay this loan. Asking for exuberant monthly payment amounts. Advising the debt would continue to gain fee 's and interest unless the total balance was paid in full. I advised their practice to repay a debt was ridiculous and unethical. Questioning several times how can a {$20000.00} dollar loan accrue {$14000.00} dollars in interest and fees? My sister-in-law cosigned the loan for me in XXXX, AZ in XXXX. I 've contacted the law firm by mail stating what I could afford to pay and they rudely declined my request. XXXX XXXX a Minnesota based law firm sent paperwork to my employer to begin garnishing my wages which I can not afford to happen or I will lose my house. 

Very Respectfully yours, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit card

While traveling I mistakenly submitted the wrong payment info for my bank, for the amount of the payment I submitted for {$150.00}, which was well above the minimum payment due. Discover failed to inform me I entered the wrong bank information until after XXXX ( eight ) days later. 

As soon as they informed me ( via email only - no phone call, or no mobile alert which I had set up ) of the filed payment, I contacted customer service, and someone that only goes by the name of XXXX said there was nothing they could do ( as in DISCOVER BANK. I asked XXXX if DISCOVER ever has or ever will refund penalties and she refused to answer, she continually said she couldn't do anything, which is false and misleading. 

I asked her how to file a complaint against her and DISCOVER, but she refused to provide useful information. I asked for a supervisor, but again she refused. 

In summary, it took DISCOVER over 8 days to inform me of my error, and the customer service rep. XXXX was misleading and fraudulent in her " support ''. And their mobile alert system also failed to notify me of either the charge or the payment error. This seems to have been done by design, to intentionally charge my account a penalty. 

If DISCOVER had notified me in a reasonable amount of time about the error, admittedly on my part, I would have rectified the situation and promptly entered the correct pay-from bank account. Instead, I have never had a late payment. DISCOVER failed to notify me in a reasonable amount of time, and acted in BAD FAITH by charging my account a penalty and also by providing false information regarding refunding the penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 13 soft inquiries from XXXX in various names, including XXXX XXXX on XX/XX/21, but never a hard inquiry that I could see while checking my credit report through XXXX XXXX. There was never an account on my credit report from XXXX XXXX. I did not set up this account, XXXX XXXX has never contacted me and I have never contacted them. If you review my credit report, you'll clearly see that I pay my debts on time, each any every month. This collection just appeared from no where. I went to Transunion to dispute this, but they simply said that the dispute was closed and they did not remove this clearly fraudulent activity. ( What bank would set up an account, but not report it to the credit authorities? Who would run 13 separate soft inquiries on one day under various versions of the name XXXX, but not do a hard inquiry when creating the loan? This was done so I would not be able to see this fraudulent activity. ) Transunion has a duty to ensure that the credit information they provide is accurate. They have clearly failed to do so in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions Please remove all accounts which are not belong to me or any transactions made by me.
Product: Credit reporting or other personal consumer reports

I have tried to communicate to the credit bureau that they are misreporting very important infomation on my credit reports. I have contacted all three and they have all failed to conduct a reasonable investigation. I have contacted them numerous times and I also contacted the creditors. They don't seem to respond in a timely manner either and light needs to be shed on their incompetence to handle these issues.
Product: Checking or savings account

On XX/XX/2023, I received a notification from Chase bank that a new wallet account was successfully set up ; I did no such thing, so I immediately logged on and saw XXXX pending charges ( in XXXX no less ) that totalled {$4500.00}, so I immediately called the bank to report the fraud. It was the same day, and Chase set up an investigation. I have never withdrawn money from my account so egregiously. They credited my account, but then concluded that I authorized these charges. They then took back the money, including exchange rate fees, and overdraft fees. My account stands at a negative balance and Chase is threatening to report this to XXXX or more reporting agencies. 
I have spoken to supervisors, filed identify theft report, a police report, and am waiting a second investigation. However, I've had to open new accounts elsewhere, totally disrupt my life, and take XXXX in order to deal with what seemed to me to be a fairly obvious appropriation of my debit card. 
It's going on XXXX month of this back and forth with Chase. I've been with them for over 10 years and a quick review of my accounts would reveal that I've never spent money so frivolously or put myself in such jeopardy.