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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, U S DEPT OF EDXXXX : 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, 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 agency containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

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

capital one refuses to provide initial accusation that I benefited from fraud, which led them to debit my account for 2 months, at which point I stopped making payments. XXXX XXXX good, presumably under some third party pressure, came to senses and XXXX XXXX XXXX XXXX XXXXXXXX, however, int and fees have accumulated and will keep doing so, since I don to intend on paying. CO, MAY HAVE CR MY ACT, BUT TOO LITTLE TOO LATE. MY CR SCORE, XXXX XXXX XXXX XXXX, XXXX SCORE IS XXXX, WE DID NOT AFTER XXXX YRS DECIDED TO BECOME CRIMINALS AS XXXX XXXX, AND/OR XXXX XXXX INIITALLY ALLEGED
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my loans with XXXX and on my XXXX report it shows the consolidated amount plus every loan consolidated still shows individual with an amount due so it makes it look like I have triple the amount of student loan debt.
Product: Vehicle loan or lease

In XX/XX/XXXX, I sold a vehicle financed by Ally Bank. As a result of that transaction I am owed a XXXX refund check in the amount of {$380.00}. The relevant paperwork was sent to Ally by the purchasing dealership 's representative. By XX/XX/XXXX, I still had not received the refund. Between XXXX and XX/XX/XXXX I contacted Ally at least nine times. I was given conflicting information on each call, until finally I was directed to submit by email another copy of paperwork previously sent to them by the dealership. After doing so I did not receive any response. I telephoned again only to be told to resubmit the paperwork to a different team, which I did. At that time the Ally representative stated more conflicting information regarding the document. Ally has been sent the relevant document three times, yet Ally has not sent the XXXX refund check.
Product: Debt collection

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 XXXXXXXX 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: Debt collection

I retrieved my credit report today XX/XX/XXXX to find Credit Clearing House on my report in the amount of {$140.00} in XXXX, KY. 
I have never lived in XXXX, KY. 
The account open date is XX/XX/XXXX, while I was a resident of the state of Washington 3000 miles away from Kentucky.

I want this investigated and removed from my credit report, I will most certainly seek legal action in the event it remains.
Product: Money transfer, virtual currency, or money service

I sent a Zelle to a phone number which was no longer in use by the intended recipient and my money wasnt refunded.
Product: Checking or savings account

They falsely charged me fines for someone breaking into my account I would like something for my pain and suffering
Product: Credit reporting or other personal consumer reports

I was looking at my credit report From Experian as of XX/XX/year> and noticed non of the accounts that i recently disputed have been showing that they are under dispute, and further any investigation that has ensued or completed, the agency herein failed to notify me of such results in a clear and legal way in accordance with the laws of the FCRA section 611 ( c ) and 15 USC 1681.
Product: Credit card

I applied an American Express Platinum Credit card, during the promotion of XXXX for {$3000.00} purchase in 3 months. I spent more than XXXX and got the XXXX, However, I found AMX took it aways on XXXX/XXXX/2016 and nobody can help me. The customer service gave me a XXXX number but again nobody knows what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX, Account number XXXX is fraudulently published on my personal file. On XX/XX/XXXX I spoke with XXXX, a XXXX XXXX representative, she verified that my social security number is not linked to a mortgage in their system nor have I ever had a mortgage with XXXX XXXX. Even more important, I have NEVER assumed a mortgage thus far in my life. This account is not mine and I want it deleted from XXXX, XXXX and Experian credit report files. Thank you. 

2. On XX/XX/XXXX, XXXX XXXX put a hard inquiry on my XXXX credit report. I have disputed this twice as inaccurate and fraudulent. XXXX replied on XX/XX/XXXX with results being verified as accurate however according to my XXXXXXXX XXXX - Inquiry Impact Complaint conversation, reference number XXXX, my social security number is not in their banking system. Please investigate and delete this inaccurate information from my personal credit reports reports. Thank you.
Product: Debt collection

Pentagon Federal Credit Union sold credit card debt that I had already paid over a year ago.I have contacted Pentagon Federal Credit Union about this issue and have not heard back. 
I have been mailed and called several times by collection agencies with their tactics to sue or report me to the credit bureau unless I pay the debt that they show as still active from Pentagon Federal Credit Union. 
The three credit bureaus ( XXXX, XXXX  and XXXX XXXX ) all show my accounts as paid and XXXX balance after I paid them off last year on XXXX XXXX. However, I also have correspondence from Pen Fed  on XX/XX/XXXX showing they sold my credit card debt to these agencies. 
I have several agencies calling me at work and home, as well as mailing letters collecting against me daily. 
PenFed has acknowledged they show the debt paid but have yet to correct their mistake. Its also very difficult to get in touch with a person at PenFed when you call. Meanwhile I live with the threat of a negative credit rating from these collection agencies, while I am trying to purchase a home.
Product: Debt collection

On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX. On XX/XX/XXXX I wrote a second letter. on XX/XX/XXXX I called the company and asked for clarification on the debt and was not given any information about the debt or if my correspondences have been received. 

The company has not provided an accounting of what money I owe. 
The company has not provided an explanation of how they calculated what I owe. 
The company has not provided any documentation to prove what I owe. 
The company has not identified the original creditor nor provided their current contact information. 
The company has not provided proof that they are licensed to collet this debt in my state of New York The company has not provided me with the contact information for their registered Agent for Service of Process Even though I have disputed this debt, the company has not removed this debt from the credit reporting agencies
Product: Checking or savings account

Over {$4200.00} was stolen from my account and deposited into a gambling website known as XXXX  XXXX. I submitted a claim of unauthorized charges which was denied. They sent me a rebuttal form which I completed and submitted on XX/XX/2021. They told me to wait 45 days to come with a resolution. After waiting 45 days, they tell me they never received the rebuttal form, after which a supervisor on the phone confirmed that they did, and are telling me to resend it and wait another 45 days. There's too many lies and deceptively to be trusted within this company
Product: Mortgage

On XX/XX/2022 we received a pre-approval from XXXXXXXX XXXX XXXXXXXX # XXXX to purchase a home in Minnesota. Interest rate at 4.125 % XXXX fixed with no points. On XX/XX/XXXX we sent them an executed contract for a home we are purchasing. In an online exchage on XX/XX/XXXX XXXX XXXX told us there was no expiration on the approval. On XX/XX/XXXX we reached out again to ask a question about closing and interest rates and were told by XXXX he would get back to us. 

On Monday XX/XX/XXXX we received a voicemail from XXXX XXXX informing us they were indeed not licensed in Minnesota to do loans and that we were basically out of luck as far as them being able to service the loan. We already have executed contracts and purchase agreements to buy this home and are left to scramble to secure new financing and not be in violation of the contract. 

We have been lied to since day XXXX about their ability to service this loan. They have mislead not only us but the seller and their agents. This will cost us thousands of dollars in interest rates based on the new rates we will be forced to take since this preapproval was never legal and the rates were not locked in.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX - XXXX - XX/XX/XXXX - {$8800.00} XXXX - XXXX - XX/XX/XXXX - {$250.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : 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 There were also several inquiries that are not mine : 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. I really need help with this im doing this by myself and need some help.
Product: Money transfer, virtual currency, or money service

I work as a sales consultant for my company XXXX XXXX XXXX XXXX. I set up a business checking account with my bank JP Morgan Chase. I was told after setting up my account in the bank XXXX XXXX XXXX XXXX XXXX that I would be able to use we pay as an ACH in order to process incoming payments as well as to send out requests to be paid for my services from my clients. 

Upon sending out my first wepay ACH collection, it was accepted and matched with the invoice I had sent to the company XXXX XXXX XXXX. Now they are holding {$2000.00} for 120 days that I need to use to make payments for my rent and my car lease. I was provided no reason as to why the funds were being held nor was I given any notice that they would be withdrawn from my account. 

The payment in question was processed on XXXX XXXX. I received an email on XXXX XXXX from a " XXXX '' from chase integrated payments informing me that I would have my account closed after " Careful Review '' and that after 120 days I would be able to " request '' my money back. 

I had appealed this decision and was told by XXXX XXXX from Chase Bank XXXX XXXX that this should be able to be easily solved once the appeal goes through. I have looked online and found that many other people have come across the same issue. My problem is that I can not wait 120 days to receive my funds. I will be kicked out of my apartment and lose my car by that time.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reinserting a XXXX XXXX account ( XXXX ) into my consumer report without proper notification, as required by FCRA section 611 ( a ) ( 5 ) ( B ). This reinsertion occurred despite my prior disputes and without the mandated notification within five business days, directly impacting my credit score and financial standing. This account was reported without my authorization and falls under the FCRAs exclusion provision for identity theft, also violating the permissible purpose clause. This exposes your agency to civil liability of {$1000.00} for willful non-compliance. I demand that TransUnion immediately delete this account from my consumer report in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.
Product: Debt collection

I sent credit acceptance a debt validation letter ( letter attached ) asking for debt validation on XX/XX/XXXX. They received the debt validation letter on XX/XX/XXXX. On XX/XX/XXXX credit acceptance hired a repo company to seize my private automobile on my private property. I did not receive any notices in the mail from the repo company giving me rights to dispute the debt they was collecting on. I also did not receive any documents in the mail from credit acceptance saying the repo company was collecting on a debt and could arrive on my private property.Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I requested that they prove that I am indeed the interested party who is contractually obligated to pay this debt. While i was in dispute credit acceptance sent a repo company to seize my private automobile which is a violation and i highlighted on the debt validation letter attached to cease and desist until they provide proof of an alleged claim.They did not provide proof of their claim and I have attached the documents sent on XX/XX/XXXX ( letter attached ) which was after they seized my private automobile while in dispute. They did not send me copies of the original contract i asked for in the letter and did not provide A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract. Also they need to provide proof to the cfpb they are allowed to collect in my state.This company is in violation of FDCPA 805,806,807,808,809.
Product: Checking or savings account

So, i contact my bank Hancock & Whitney on XX/XX/2020. I was charged double bounce. For one check. fees in the amount 36 same transaction. I was also charged monthly fee also XXXX dollars. This account my child support direct deposit because other parent is unemployed at this time. I am not receiving payment. Pandemic is that happening. I call and talk customer service. I was told nothing he could do help me about these fees. I would like back XXXX. It absolutely isnt time bank advanced customer. I deposit money in hold for 6 days so charge another bounce fee. This absolutely awful.
Product: Debt collection

Few months ago I went to purchase a home and this company came up on my credit. I was not aware of this bill but i did recognize the address it was billing from. I contacted the company, they advised me of the charges. They stated it was {$520.00} for damages plus some other additional {$500.00} in " billing and collections ''. Until the day i called them, I had never heard of this bill, i never received this bill or a collection notice for that matter. I explained this to the agent XXXX who is incapable of understanding reasoning. I advised her I will take matters with my financial coaches and will get back to the company. I asked Agent Dont-Know-How-To-Do-Anything for  a copy of these notices. She instead insisted in reading the charges to me and asking for payment again. I decided to let it be and continue the investigation on my own. 2 months after that, just about two weeks ago. I call them again now with my financial assistant on the line. I am fortune enough to get Agent Dont-Know-How-To-Do-Anything. I ask for all the details. Copy of collection notice, address it was sent to, date the bill was made ; and nothing. She can not answer this for me. She refers me to XXXX who=. XXXX answered all these questions. This was a bill after moving out of an apartment for damages. I have yet to see this form but according to him, the move out date, the date of notice, the phone number AND the forwarding address are all not mine. He tells me " well its signed by you '' but never asked for signature verification or any form of verification for that matter. My financial adviser mentioned we had two options : Either try to settle and remove this account or dispute it. I tried to settle this account with XXXX but he insisted in not removing it. I advised him I will not be paying and will be escalating it. I look today at my credit report and they have decided to double the amount listed in the collection from the previous {$520.00} to now {$1000.00} with absolutely no explanation.
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 are listed on my credit report XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was paid one time. The consumer reporting agency needs to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint. I am now requesting you investigate and provide verifiable proof with record that I had a late payment If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving a letter in the mail for some time now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and saw various child support items and loans on my account that do not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHLDSUPPORT  XXXX {$970.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$4500.00} XXXX XXXX {$5800.00} XXXX  XXXX {$770.00} CHLD SUPPORT XXXX {$5200.00}
Product: Mortgage

On or about XXXX, XXXX, I addressed Ocwen Loan Servicing , LLC with my concerns regarding the incorrect paid year to date escrow balance on my monthly statement. I went through month 's of unnecessary XXXX and back and forth with Ocwen and their attorney 's about my concerns. I was advised that there was a flaw with the paid year to date escrow infrastructure of my statement. In several emails I was assured by Ocwen 's attorney that this flaw would be fixed. However, in XXXX, XXXX, I made an additional escrow payment for {$200.00}, and it was applied incorrectly. 

Once again, I contacted Ocwen 's customer service, escalation department, and the research department about this matter. I was told the XXXX, XXXX, additional escrow payment was reversed, and would reflect correctly on my XXXX, XXXX, statement. However, when I called to follow up I was given several different answers, and to date nothing has been corrected on my statement. I have had enough of Ocwen and their run around explanations. Ocwen needs to do better and be held accountable for their ongoing careless mistakes.
Product: Debt collection

Today XX/XX/19 Several bills on my account Online recovery have placed several bills on my credit report I called them about it and gave them the account number that they asked for. They responded with another name which wasnt my name. I informed them that it wasnt me they then threaten me to give them all my information I refused because each Acct number that I gave them did not reflect my name in any way form or fashion wasnt even close to my name. I asked them to removed it. It was not me or my bill I dont have a clue of who these people are nor the bill or doctor..they then proceeded to use scare tactic toward ls me to try and make me give them my ssn and name I refused again Pls help me get these accounts off of my credit
Product: Debt collection

XXXX XXXX {$9600.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).