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

Victim of Identity Theft. I already have a personal loan account with Discover Personal Loans ( DPL ) and the account number is XXXX. On XX/XX/XXXX DPL without my authorization transferred XXXX $ s to my XXXX ( XXXX ) credit card and XXXX $ XXXX to some account in XXXX. I never heard this organization XXXX. I leant about this activity when DPS called me sometime in XX/XX/XXXX. Then i started disputing. I did not even realize that they transferred XXXX $ s to my XXXX  CC. Sometime in XX/XX/XXXX DPL gave me XXXX number of XXXX. I called them, they searched their data base with name, SSN etc. and they could not find any. XXXX wanted Routing ID and first 3 digits of account which they did not give. I reported to XXXX   and XXXX  and they closed this account. XXXX  is investigating. Sometime in early XXXX i consulted a Lawyer. As per my lawyer 's advise, following good faith tender agreement made XXXX $ s as FULL and FINAL payment to DPL as XXXX $ s came from them. Even though i did not authorize i made this payment and they accepted. They deposited the check. Now they are coming after me for the remaining XXXX $ s which they ( DPL ) themselfs don't know where they sent.
Product: Bank account or service

around XX/XX/2016 i got a check from tenant. I am a XXXX and I accept a check from him after that i found bedbugs that he brought from work. 
I have to give him notice for moving because my apartment had a carpet floor. 
My roommate got a problem and moving out. and he also gave me a checked and cash in the same time. I after that time i got that the checked was report for lost. 
and Fraud also. Bank of America close my account and report me I am a thief and fraud with check. I have a paper that give him to sign and let him know about the payment after he left for bedbugs treatment. I need bank of America resolve this problem that i am a XXXX that he used to lived before he changed the address. i can proof with letter that he report that was lost. but its not he was lie to bank. Cheating on my with the checked.
Product: Credit card

I am writing to formally address the closure of my Synchrony account, which was conducted without sufficient notice or explanation. While your representatives cited " rejected '' payments as the cause, I did not receive any correspondence via phone or email regarding these issues, despite consistently receiving other communications such as payment reminders, billing statements, and confirmations of successful payments. 

The billing system indicated that my account was up to date, and all payments were made on time and prior to their due dates. Despite this, I was informed by customer service managers that the account can not be reinstated. This decision feels unwarranted and fails to consider the lack of proper notification or opportunity for resolution. 

I am requesting : 1. Reinstatement of my account to rectify the improper closure. 
2. Forgiveness and removal of any delinquency reported on my credit profile. 
3. A remedy to address this issue, ensuring better communication and transparency moving forward. 

Your representatives offer to resend the closure notifications with a 24-48 hour delay underscores the ongoing lack of timely and effective communication. I strongly urge you to address this matter promptly and provide a fair resolution. I look forward to your timely response.
Product: Mortgage

I have flood insurance with XXXX XXXX and since XX/XX/XXXX I have been going back and forth with my mortgage company " New American Funding '' and XXXX. after 35 phone calls, 3 ways calls with both companies I've had it! New American states they do not have the policy, XXXX states they do not have payment, so after months now finally thought I got this all straighten out, until I received a letter form New American stating I do not have proper flood insurance and will be provided FEMA for a new charge of {$2500.00}. I call New American today XX/XX/XXXX, and was told all the have is the Declaration page from XXXX but they need the entire policy " 60 '' pages. I called XXXX and they are not open due to the holiday. This information should have been provided months ago and I should not be the one penalized for both companies error. I have spoked directly with the owner of XXXX last month and was assured this was all ok and corrected. So I am making two complaints first with New American Funding, and with the flood insurance carrier XXXX. I will not be put under stress like this anymore and demand this back and forth with these two companies to stop. I have spoked with my broker of my house and she helped me last month but after receiving this notice that I will now be signed up with FEMA and charged the outrageous amount I have had it!
Product: Debt collection

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

Date : XX/XX/2019 Amount : {$900.00} Filed FTC report and contacted original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the Consumer Report sent by Chex Systems INC. While checking my report, it came to my notice that Chex Systems INC has furnished an account ACCOUNT # XXXX on my CHEX SYSTEM Report. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties. Therefore, ( bearing information regarding the alleged debt ) by XXXX XXXX XXXX XXXX will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state 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 nonpublic personal information.

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.

15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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 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 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

This complaint is regarding Snow and Sauerteig LLP. Not only are they calling me sometimes 5 or 6 times a day, but are now taking money from my business account which is a registered LLC account. 

This is for a debt for a medical test done once I found out I had XXXX XXXX XXXX XXXX. I am a veteran and there was confusion as to where I was supposed to have this test done. I have told this company repeatedly that I am on XXXX and a fixed income and can not pay this debt at this time. I have been deemed unable to pay by the IRS! 

Now this company is taking money from my account that I never agreed to! Not to mention the repeated calls. I will be putting a stop to the payments taken from my account but my fear is they will just find a way to continue to take money. I can not afford this, at this time. If my situation changes with my health I will pay the bill when I start back to work. 

They just took a withdrawal from my account for {$20.00} in XX/XX/XXXX and another in XX/XX/XXXX.
Product: Credit card or prepaid card

On or about XXXX of 2022 someone stole my identity. I found out when I went to apply for a loan. Whoever stole my identity appears to have access to my mailbox in the building I lived. 
These people applied for and received a card from XXXX and spent {$1900.00}. I immediately called the fraud department at XXXX and filed a complaint. After about XXXX weeks XXXX contacted me and said they determined that the charges were not fraudulent and that I was liable. 
They never presented me with the evidence showing that I applied for this card.
Product: Debt collection

Agent called saying I owed a debt and that I made a payment in 2020 but refused to send me any documentation of payment or anything that proves the debt is mine. I asked for the paperwork for the alledged account and was told I can fill out affidavit paperwork but they would not provide me anything other than the letter that stated a debt was placed in there office. Agents were very rude and and continued to rush me off the phone saying that theyve sent all theyre going to send and I can return the paper.
Product: Consumer Loan

I purchased a vehicle from JD Byrider XXXX/XXXX/14. Yesterday I went to trade in the vehicle for a newer truck. The dealership informed me that my vehicle was only worth {$2000.00} and that the pay off for the loan was {$8800.00}. This seems way off. I trusted the dealership and the finance company because they are affiliated with each other. I feel that they took advantage of me and I am stuck with a vehicle where I owe 4 times what the vehicle is worth. Further more when I contacted the finance company last night and asked for a hard copy of the pay off I was told they do n't have that in a hard copy. I threatened them by asking them where I was to send a sopena to get this information. She reluctantly sent me a copy of the general ledger.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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: Credit card

Hi, On XX/XX/XXXX I received promotional offer letter of 0 % APR for 12 months from Capital One Financial on the Quicksilver Card. I have been using the card since its activation on XXXX, XXXX 
Under the terms from the promotional offer letter, interest charges should accrue after 12 months ( XXXXXXXX XXXX ) however on my XXXX statement, I received an interest charge of {$71.00}. 

I reached out to Capital one to resolve the issue and take off the charge however they insisted my promotional offer was for 9 months per the member service agreement on the quicksilver card. 
In short, the offer letter from which I applied for the card had a 12 month 0 % APR. This is the source of truth and origination of my application for the card. I am not aware of any other such terms Capital One was stating. 
I asked for the interest charge to waived as this is a violation of TILA rules on Open-End Credit and misleading information to customers however they refused. 

I am asking CFPB to assist in helping get my interest charge waived. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From XXXX, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.
Product: Vehicle loan or lease

XXXX XXXX in XXXX, Ohio did not provide me with a Notice of Rescission. Upon being informed with the 3 years after still not receiving such documents within the consumer credit transaction I have reached out to demand the Notice of Rescission to be given to me. I was informed by a sales manager that the state of Ohio does not honor the right to rescind. I have also researched the Ohio Attorney Generals Laws pertaining to Rescission and now informed that my title was supposed to be given to me within 40 days and was not. The phone call was recorded for quality assurance and I asked if Title 12 of CFR was in respect to my request and was denied of this. I believe this would be 15 USC 1611 knowing and willing violating my consumer credit laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening this complaint pertains to a method of verification request I submitted to EXPERIAN after they claimed to have verified accounts on my credit report. I submitted this request circa XX/XX/2023 and Experian alerted me on XX/XX/2023 that account disputes were opened ; which is their usual practice whenever they recieve a dispute/request letter from the consumer. In the letter I requested the method of verification for the -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accts that appear on my EXPERIAN credit report that EXPERIAN claims to have verified as accurate. To date EXPERIAN has NOT provided me with the method of verification for the above mentioned accts and has closed my account. Screenshots of the notifications from EXPERIAN and the dates are attached to this complaint. FCRA section 611 states a consumer reporting agency shall provide to a consumer a description of the method of verification with in 15 days from their receipt of my request. To date It has been XXXX XXXX days and I havent received a response or verification. This is direct blatant NEGLIGENT violation and I demand these accounts are removed from my report immediately due to EXPERIAN S lack of compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Solomon and Solomon are trying to collect on a debt that is closed. The debt is an old XXXX bill from 2014. XXXX is showing account closed and XXXX does not show it at all. XXXX, on the other hand is showing an open collection. I did try to disputed this with them and got nowhere. There showing an outstanding collections balance of {$2000.00} which is affecting my credit score as Im trying to rebuild it to buy a house. This account should be updated on my XXXX cbr as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, XXXX negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, XXXX has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XXXX 2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that XXXX stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to XXXX to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. XXXX  is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.
Product: Credit card

I can not use my corporate credit card or my personal credit card and I can not pay my bill for either card because Chase has locked me out of my online accounts, since I got a new computer and new cell phone, They only provide the option on the website and app to call an XXXX number that goes in circles and goes nowhere. There is literally no other option for me to get access to my online accounts. I have emailed them more than 10 times. I have emailed their Executive Office more than 10 times. I have made several of these complaints. I got no response until yesterday I finally got a form email that says they are " investigating. '' I do not benefit from their self involved investigation, I benefit from GIVING ME ACCESS TO MY ACCOUNTS which they refused to respond to my email responses again stating it is illegal to lock me out. I have sent several. 

I am XXXX. Per ada I am again asking for my legal right which is reasonable accommodation which is simply GIVE ME ACCESS ONLINE TO MY ACCOUNTS, NOW. STOP LOCKING ME OUT ILLEGALLY BECAUSE I PURCHASED NEW DEVICES. 

I will be looking to stop using my chase credit cards and moving to another company to use as my main credit cards after this experience, it is not the first or 2nd time they have done something like this this year. A few months ago they refused to apply a {$7000.00} credit card payment I made, again for close to a month, which blocked me from using my credit card and it caused me huge problems and took so much of my time. 

I am asking to just get access to my accounts, this is illegal to refuse me access and I do not understand why Chase does not take this seriously when they seem to take other things seriously and do a great job in the other area I need assistance with, unrelated to this request.
Product: Checking or savings account

There was a beneficiary account open in my name and social security number back in XXXX. I have not received a dime from this account. The payment is directly deposited into my mother 's account- the legal owner of her private account. As the beneficiary I am the legal owner of that beneficiary account. Wells Fargo knows of the rights and responsibilities when it comes to these type of accounts. I walked into the bank mid XXXX and spoke to an account manager. I explained the situation and the manager denied me of any information regarding the account. I was told since I was not the owner of that private Wells Fargo account they would not be able to disclose any information. The beneficiary becomes legal owner of the account automatically when the benefactor does. A beneficiary does not necessarily need to be closely related. The beneficiary may be a survivor that the benefactor chooses for whatever reason. There is no reason why the beneficiary should not be informed of this account. In XXXX I was attending community college XXXX XXXX XXXX XXXX I graduated in XXXX with a well earned XXXX gpa and transferred to XXXX XXXX that same year in the Fall of XXXX. XXXX XXXX is almost impossible to get into. There is no reason why this account should be kept from me. Slander and defamation -calling someone irresponsible- are not legally acceptable reasons to deny someone what is already theirs. I am requesting for the file related to the beneficiary account to be sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Please be assured that legal services will be sought after through Inspector General. I would like a full reimbursement for the back pay as one lump sum.
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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to deletXXXX immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX