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.

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name 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: Mortgage

My mortgage company is Nation Star Mortgage i tried to refinance my mortgage to find out when a credit check was performed Nation Star has on my credit report that i have a home equity loan on my first mortgage i do not i took out a home equity loan for XXXX dollars XXXX XXXX company it was paid off i explain the to Nation Star. XXXX transferred my loan to XXXX almost two years ago i do not know if they have me mixed up with someone else i told Nation star the problem and i have been getting the run around from these people. I can not get any kind of help with my mortgage until they straighten this mess out i have the documentation that my loan was paid off and i ask Nation Star to show me where i signed for an first mortgage they could not i need help with these people they are difficult to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX at about XXXX XXXX Central time, I went online to open a BMO Alto online high yield savings account at https : //alto.bmo.com/ I entered all of the requested application information carefully and accurately, triple-checking the accuracy of each piece of information that I entered. 

I submitted the online application and was immediately informed onscreen, " Sorry! 
We're unable to approve your application today. We'll send you an email with more information. '' An email followed shortly afterward which stated, " Thank you for your interest in BMO Alto. Unfortunately, your account application has been declined. '' It did not provide any specific reason for my application being declined. 

I then called the customer service number provided on their website ( XXXX XXXX ) and spoke to a customer service representative. I provided her with my application information, and she reviewed my application, telling me that I was declined because they could not verify my identity. She said this could have been caused by me not entering my information correctly on the application. There is NO WAY that I did not enter my information correctly, as it was basic personal information that I provide frequently, and I was very careful as stated above. My credit is stellar ( exceptional rating ), and I do not have one single blemish on my credit report. I have never been declined on any application that I have submitted previously. I have opened several other online high yield savings accounts in the past few years with no issues whatsoever. 

This declination is very unusual and suspicious and in doing some online research, I have seen many other comments and testimonials by other BMO Alto applicants who said there were also declined for no good reason. I believe there are problems with their systems or procedures which are causing applicants to be falsely declined. Not only does this prevent me from opening an account that should be available to me, but my credit report and rating are also being adversely affected by this wrong, incorrect declination of my application. 

I request that I be allowed to open this BMO Alto high yield savings account and any other deposit accounts being offered. I also request that any adverse reporting from BMO Alto to any credit agency as a result of this application declination be removed from my credit report and rating. 

For your reference, my Application ID is as follows : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the XXXX credit reporting act 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, amd a respect for the consumers right to privacy. XXXX XXXX and experience are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under title 15 USC 1681 section 604 ( a ) states that, In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX experian XXXX  ( Furnisher of information to credit agencies ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent weither it be verbal, non-verbal, written, implied or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that, A financial institution may not disclose no public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my no disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) A states 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. 15USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 12 CFR 1061.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I had money sent to me Venmo on XX/XX/year>. When I went to withdraw the money as I had done previous multiple times with no issue it said my account was froze. I submitted all the information for identity that they asked for again. They stated they were permanently freezing my account and I couldn't withdraw the money. They refuse to provide me with a reason that the account is suspended and they won't release my money. When I ask they just say its their decision and they won't answer further questions
Product: Checking or savings account

my government funds are placed in my account 5 days before I can have access to it. 

When items hit against the account before XXXX, when they say then can release the ACH, they still end up charging me {$29.00} overdraft fee which this should not have happened they are robbing people blind
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intendto pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I mailed my certified letters to Transunion to have specific items removed from my credit report due to their inaccuracies. Transunion failed to complete my request. They mailed me back a small postcard stating 4 possible reasons of why they did not complete my request. I met all standards in order for them to complete my request. It is my belief that Transunion is purposely delaying the process and wasting my resources used to submit the request to have the items removed from my credit report.
Product: Mortgage

I am trying to refinance my home at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. There is a lien regarding a home equity line for {$100000.00} showing on title for BB & T. BB & T is now owned by Truist Bank. The loan originated over 20 years ago. I have been in contact with Truist bank @ XXXX XXXX and have been told on multiple occasions by a representative at Truist that they were faxing over documents to satisfy the mortgage. This has been ongoing for more than a month now. I am in need of an immediate remedy. The remedy is to email the documents to clear this lien to my closing attorney at XXXX. XXXX XXXX can be reached at XXXX. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024, I discovered that XXXX is continuing to report an account from the XXXX XXXX Financial Assistance Inc, despite this company ceasing its collection activity. On or about XX/XX/2024, Financial Assistance Inc received a cease-and-desist notice from me, instructing them to halt all communication and collection activities regarding the matter. Financial Assistance Inc acknowledged receipt of this notice, stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XX/XX/2024. XXXX has noted the file accordingly. '' XXXX Financial Assistance Inc submitting a request to XXXX to remove their account from my consumer report, XXXX continues to report this information, violating my rights under the FCRA. According to 15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against  XXXX  I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.
Product: Credit reporting or other personal consumer reports

I got inquiries in my XXXX credit report that's not authorized by me they are fraudulent, i asked the companies to remove them, and also asked XXXX to investigate and if it fraudulent to remove it, the companyis didnt respond and XXXX didnt remove and didnt investigate also asking me to complain CFPB
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is a closed account listed on my credit report twice with the same account number XXXX. This account is closed and showing potentially negative KohlsXXXX This account is closed and showing potentially negative XXXX XXXXXXXX This account is closed and showing potentially negative XXXX XXXXXXXX This account is closed and showing potentially negative XXXX XXXX XXXX XXXX This account is closed and paid/closed/ never late but on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a complaint with CFPB, with the right result to remove/deletXXXX XXXX XXXX XXXXXXXX off my credit report due to improper use. If CFPB agreed that it should be remove why is it still on my report..Here is the complaints ID XXXX Equifax, XXXX XXXX and XXXX XXXX which is still open. This is the same student loan that was supposed to be remove and not renamed. 
I Have never sign anything I have no knowledge of that account and never made a payment like they have stated. Wrong and inaccurate information is a cause to be remove again..
Product: Credit reporting, credit repair services, or other personal consumer reports

They are incorrectly reporting as " Paid out of collateral ''. There was never any collateral and there was never any money lent to me. This was supposed to be a savings account- for which they kept the money ( I was told would be returned ) and never provided me with a loan or any kind of service. I made multiple written requests for them to validate the debt or provide evidence of the collateral in question for which they have ignored for more than 60 days now.
Product: Credit reporting or other personal consumer reports

While checking my credit report I noticed some unauthorized and unverified hard inquiries and late payments on my XXXX, TransUnion and XXXX credit report, I have tried to dispute them but was asked to provide an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 or other personal consumer reports

I have fraudulent negative accounts on my credit report a third party brought the debt and keeps coming back updated and verified for result
Product: Debt collection

On XX/XX/XXXX my wife XXXX XXXX received a text from XXXX saying that " I ( they ) need a call from you ( my wife ) today XXXX XXXX there is an urgent matter we need to discuss ''. I called the number from my phone and spoke to XXXX from XXXX XXXX. He said there was a payday loan from Advance America from XXXX for {$510.00} that they were willing to settle today for {$400.00}. I told him that I wish to dispute this as I do not recall having had such a loan, although my ex-wife did take several loans from Advance America. He said I would have to dispute this directly with Advance America and that XXXX XXXX would continue with their collection efforts including adding this to my credit file. When asked, he refused to give me their address for me to mail them my dispute since I received nothing from them in writing. He said he needed to put me on hold to get the number to Advance America, then he disconnected the call. I immediately called back and he picked up and disconnected the call again. I called again and spoke to another rep ( a female whom I can't remember her name ). She gave me the address when I asked for it but when I asked to speak to a Manager the call was disconnected again. I called from my wife 's phone and spoke with a female named XXXX. She said she would not be able to give me the number to Advance and that I would have to find the number online or by another means, that they would not be sending me written notice because they sent it to an address I moved away from in XXXX ( even though all address changes have been submitted to the United States Postal Service ), and that XXXX XXXX would proceed with processing this as a collection against me even if I dispute it with Advance America. When I told her that I wanted to speak to a Manager, the call was again disconnected. I still have nothing in writing and no reference to this supposed debt.
Product: Credit card or prepaid card

Contacted Capital One on XX/XX/2019 was placed on hold for a long time ago and was constantly transferred. When I was finally able to speak to a rep, I explained my situation in regards to the credit limit on my accounts and asked for a supervisor. I was then placed on hold by rep ( ID # XXXX ) for several minutes, then was told that the supervisor she spoke to told her that they could not override the automatic system decision. I then explained to the rep that I asked to speak to a supervisor to be able to escalate my concerns to the executive office. This has been an ongoing issue when I contact Capital One, horrible customer service, long wait times and no resolution. Their employees all state different answers when pertaining to the same situation. TRAIN YOUR EMPLOYEES, XXXX XXXX.
Product: Credit card

Hello this complaint is regarding a cash payment made to XXXX XXXX Bread Rewards card ending in 4 digits XXXX There was a cash payment made online on XX/XX/year> that they are refusing to credit to my account telling me that cash payments made online are held for 7-10 days.

It is my understanding that cash payments can not be held more than 48 hours and should be applied and permitted to use within 48 hours. 

It is XXXX time and Bread Reward is refusing to credit this CASH payment received over 72 hours ago to my card for my use. 

Thank you XXXX
Product: Debt collection

A representative from AR Resources contacted me sometime in XXXX and stated that they were trying to collect a debt of a hospital bill. They never provided account information they just stated the amount and immediately asked for account information to secure payments. I informed rep that I was currently at work and could n't even discuss a payment arrangement or any other info, she stated she will call me back at a later time. Two weeks later with never receiving a statement or bill from them stating the debt which I never received previously from the call, they placed bill to my credit. I spoke to lady several other times after asking why they did this when they never even gave me the opportunity to look at a bill or discuss payment arrangement outside of work and she had no reply.
Product: Credit card or prepaid card

I purchased an item on XXXX. The item was defective and did not work. The seller told me to ship it back and they would credit me for the shipping, and then mail the item back to me after repair. I sent the defective item back, and paid {$48.00} to ship the item back. The seller then sent me two credits that totaled {$50.00} to cover the shipping. Then the seller kept my {$80.00} purchase price money and never sent me the item back and would not reply to messages. I disputed the transaction, I won, Wells Fargo credited me card {$80.00} and told me the dispute was closed. Then months later, Wells Fargo sends me a letter saying that they have debited my account {$50.00} and gives me no reason. I did not authorize this {$50.00} debit. Wells Fargo stole {$50.00} from me. I called and tried to get my money back but they kept putting me on hold and making excuses and lying to me and would not return my money. Please help! Wells Fargo and XXXX stole {$50.00} from me illegally!!!
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved.

LOUISIANA RECOVERY SERVICES is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

LOUISIANA RECOVERY SERVICES have used abusive, deceptive, and unfair debt collection practices.

LOUISIANA RECOVERY SERVICES have violated my consumer right to privacy, I NEVER gave them any my information directly and LOUISIANA RECOVERY SERVICES has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the LOUISIANA RECOVERY SERVICES civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.