23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My complaint is against three different companies. # XXXX : XXXX. XX/XX/year> - {$24.00} on debit card ending in XXXX. XX/XX/year> - {$24.00} on debit card ending in XXXX. XX/XX/year> - {$24.00} on debit card ending in XXXX. XX/XX/year> - {$24.00} on debit card ending in XXXX. XX/XX/year> - {$24.00} on debit card ending in XXXX. # XXXX : XXXX Score Sense. XX/XX/year> - {$39.00} on debit card ending in XXXX. XX/XX/year> - {$29.00} on debit card ending in XXXX. XX/XX/year> - {$29.00} on debit card ending in XXXX. XX/XX/year> - {$29.00} on debit card ending in XXXX. XX/XX/year> - {$29.00} on debit card ending in XXXX. XX/XX/year> - {$1.00} on debit card ending in XXXX. # XXXX : Citizens Bank All of these charges have gone through Citizens bank, I filed a dispute with Citizens when this began in XXXX with no results. I have spoken to the bank on several occasions only to be told there was nothing they could do. I have had my debit card changed and this continues to happen. I was told through OTL Score Sense that if the bank saw this as a recurring charge they would automatically take it from my account. I did not authorize any of this through XXXX, who I am unable to connect with a live person, or OTL Score Sense, who I finally connected with them today and have canceled any membership and have requested a refund of all the monies they have taken. I will Know in a few days if that will be honored. I am a XXXXXXXX XXXX XXXX that lives on my social security, therefore can not afford to have money that I did not authorize to be taken from my bank. To not get any satisfaction from my bank is disturbing especially since this has been going on since XXXX.
Product: Mortgage

I applied for HARP Refinance through Chase Bank XX/XX/XXXX. Assigned Mortgage Representative was XXXX XXXX. The loan fulfillment coordinator assigned was XXXX XXXX. XXXX XXXX does not act as a suitable liaison between Mortgage Underwriting and her clients. She is incredibly rude and disrespectful boarding on discrimination to her clients. Per telephone conversations, she has informed me that Chase Bank handles their perspective mortgages in a purchase-first-refinance-second basis. Meaning, any refinance comes second to any purchase she had been assigned at the time. Thus the reason for my lengthy refinancing process. I provided all required documentation for loan submission as requested in a timely fashion. Every loan is different, thus different time frames for loan closing. As of XX/XX/XXXX, we are still actively trying to complete the loan. As this has been an incredibly lengthy and stressful process, my particular situation was escalated to XXXX, then further escalated to XXXX XXXX. I was then informed the entire process was being held up by a lien release from a financial institution that no longer exists. Chase Bank has acquired various financial institutions in the past, along with their customer files. They have misplaced an internal document of a lien release XX/XX/XXXX. I did not misplace this lien release. I have never had this lien release in my possession. Chase Bank has informed me they will not make an exception on this matter.
Product: Checking or savings account

So what happened was that cashapp closed my account without any notice and I got my check sent to my account and now it got bounced, I tried contacting cashapp and they haven't replied to me, I just need to know the tracking number of the money that got " sent '' back to my job or else I will not get paid for the days that I worked and if you guys need to know for what company it is XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for their failure to properly investigate disputes regarding inaccuracies on my credit report. Despite my numerous submissions, Equifax consistently responds within 24 hours asserting that the account is accurate, but they fail to provide any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), as indicated in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This issue has been highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I urge the CFPB to take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of their investigations. It is vital for consumer protection and the integrity of our financial information.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/scrub>XXXX  Reason : I don't recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion I would Like to Thank you for working with me as we both make Progress and deleteing inaccuracies on my credit file I was Just viewing the FTC website and it states that i can asked you your method of verifcation and you must provide me with any and all Tools and documenets that was used between you and the Creditor pretty cool Huh? I'm going to used my rights per the fcra and asked you How did you verify the account number on the # XXXX XXXX   XXXX. I have told you more than 4 times that this is not my account number but i need for you to tell me Who and how this account was Veriffied and came back to me?? Name Phone numbers what paper work they sent you what paper work you sent them i need to see all of it with in the Next 15 days per the FTC website You have to provide this information ( method of verification is what it's called ) also CFPB Transunion is in VIOLATION OF THE FCRA SEE ATTACHED FILE FOR FACTURE PROOF You are the reporting agency and you like to play games But Look at XX/XX/XXXX there is a 30 day late on this account correct???? XX/XX/XXXX another 30th late correct???? XX/XX/XXXX and Ok correct??? XX/XX/XXXX another 30 day How in the XXXX is this Possible? shouldnt and wouldnt this be a 30 60 90 120 late right?? This information is incorrect and I would Like for you to remove this entire account. major VIOLATION OF THE FCRA ... PLEASE EXPLAIN THIS MESS! THIS XXXX IS GETTING OLD AND TIME CONSUMING BECAUSE YOU GUYS SIT ON YOUR XXXX XXXX AND NOT DOING YOUR JOBS..
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ) states : 'There is a need to guarantee that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by 15 U.S.C. 6801, which establishes that financial institutions have a continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, these institutions are considered financial institutions under the law.

According to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. Neither XXXX, XXXX nor any furnisher of information to these agencies has my written consent to share my information. I hereby revoke any prior consent, whether verbal, non-verbal, written, implied, or otherwise.

Additionally, 15 U.S.C. 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt out of such disclosure. I was never informed of this right to opt out. Moreover, under 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information in a consumer report that is more than seven years old, except for criminal convictions. The account being reported is an adverse item, and its reporting without my consent violates this provision.

Furthermore, under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, 15 U.S.C. 1681e requires that consumer reporting agencies maintain reasonable procedures to ensure compliance with Section 1681c and limit the furnishing of consumer reports to permissible purposes under Section 1681b. XXXX and XXXX are failing to maintain such reasonable procedures. 

Finally, under 12 CFR 1016.7, consumers have the right to opt out at any time. I am formally exercising my right to opt out of your reporting.
Product: Vehicle loan or lease

Creditor : Flagship Credit Acceptance Account # : XXXX I cashed in a service maintenance policy in XX/XX/XXXX and contacted Flagship to make them aware that they were getting ready to receive XXXX checks totaling almost five-thousand dollars. I also made the representative aware of how I wanted the payments applied to my account. I asked for them to be applied to payments and not principal. The rep agreed and made the notes on my account that my next payment wasnt due until XX/XX/XXXX. 

Flagship has report my loan late for almost 4 months due to their error of incorrect payment allocation. I have called every month to have this corrected and they say it will be by their accounting office and it STILL has not been allocated correctly. The last payment they took and applied it to late fees, when my payments were never late! I have asked XXXX times for the allocation to be fixed and my credit report updated to not reflect late and it STILL has not been correct. 

I would like to ask for my rights to be invoked under FCRA, FACTA and TILA.

Thank you!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX you have any questions or need further information. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX of my store credit card were closed due to inactivity and/or information in my credit report. I have several cards through them and the only XXXX they closed had a XXXX balance. When they closed these accounts it affected my credit score immensely. The XXXX cards that were closed are XXXX XXXX XXXX XXXX$750.00} limit ; Forever 21 {$250.00} limit and XXXX {$250.00} limit. The reason they were not being used is I had to fix my credit and couldn't use the cards because I was purchasing a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX XXXX - # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.
Product: Credit card or prepaid card

Recently I, XXXX XXXX, was denied an extension of credit card by Navy Federal Credit Union. On XXXX XXXX, 2022 I applied for a cashRewards XXXX in good faith 15 U.S C 1691 ( a ) ( 3 ).

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federal protection consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Product: Credit card or prepaid card

On XX/XX/XXXX my XXXX account was hacked and I was billed for a XXXX   XXXX, for {$590.00}. I immediately disputed the charge with Chase Bank and XXXX. However, after no investigation, where all Chase got was the statement that the billing address and shipping address matched and therefore it was a valid charge. 

I never authorized the charge and it seems like Chase did little to no investigation.
Product: Debt collection

I was told this would be free consultation and they charged me without my knowledge
Product: Mortgage

Hi, still once again after multiple times trying and getting nowhere this company has violated my Homeowner Bill of Rights. I have a very urgent matter once again due to a foreclosure sale on XXXX. FOR A LONG TIME NOW IM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Former customer of Simple bank being forced to transition to BBVA. Transition has been awful, limiting my ability to access my account or my funds. Multiple attempts to set up have met with errors and contacting support constantly leads to being hung up on. No response has been provided and I am unable to access any of my funds in any of my accounts. Seeing up my account resulted in a " fatal error '' and then when following BBVA 's advice to try to log in with my new details ( despite the error ), my account was locked for security reasons. No way to get in touch with BBVA to get account unlocked as support continues to hang up and can not hear me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Mortgage

Newrez mortgage. 
Ive had this loan since XXXX of XXXX. 
Recently they made a remark code stating i disputed the loan ..This is not true at all. 
I became va exempt in XXXX of XXXX since XXXX XXXX XXXX it has been filed with XXXX XXXX. 
Upon reaching out to newrez to fix my escrow i get tge run around. 
I have multiple complaints filed in regards to this issue and newrez is not doing anything but continue to tell me there working on it. 
The paperwork for va exemption was filed to newrez in XX/XX/XXXX. 

The account now states i no longer have a loan with newrez. 
This is extremely concerning. 
Not mention the remark that was made destroyed my credit and newrez is refusing any information in regards to why the remark was made. 
Im not late on payments nor have i defaulted in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the originator of the item below. It should not be on my credit report. 


XXXX XXXX XXXX XXXX {$1000.00} not mine
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act capital one # 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 a payment on a credit card account under an open end consumer credit plan as late for purpose.

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