23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX & XXXX has violated my rights. 

XXXX / XXXX / XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was looking over my report and seen an derogatory remark on my file my rights have been violated by XXXX XXXX XXXX under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has led to fraudulent accounts being opened in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts be blocked and deleted from my credit file immediately : Accounts to be blocked and deleted : 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 card

I attempted to make a payment online and their system drew from the wrong account. They refused to make it right. Apparently, this is a common issue for them as their representative stated that they have had several complaints like mine.
Product: Mortgage

My fiancee and I decided to choose USAA to hold our mortgage, so we applied through them initially. Approved us for $ XXXX initially ... .filled out the entire application. And we had to do our own application because we were n't married yet. All that was fine, but how do you approve us for $ XXXX, even though we found a house for way less, and then when we get 4 days from closing to tell us that our loan is no good and that we will not be able to close? And then ask us if we have any family members who could give us a substantial gift for a down-payment? We went from having to take $ XXXX to the table to $ XXXX to the table? So unprofessional. And then our original processor was out for a period of time, but she emailed us and said we were good. That was one issue. Then on the day I was originally suppose to close, USAA calls me back to tell me they have fixed everything ( I was on my way to another borrower ). So during the XXXX stint, we had to provide things that we had already provided ( twice ). Horrible.We kept calling because they were running against the clock to provide the documentation to the closing attorney 's office. Finally, we close. Which brings me to my second issue, if we are both borrowers for the loan, why am I getting the run around on getting my fiancee online access to pay the mortgage? We have called seven times ( on hold as I type this complaint ). We do n't want a 30 year loan. We 're trying to pay the mortgage plus an additional {$500.00} ... .trying to give them money, but no one can seem to help. This may sound petty, but he should be able to see the loan through his online profile and make payments, instead of paying over the phone and paying an additional {$11.00} surcharge. USAA is suppose to be the cream of the crop, but I am very disappointed. We must have done something right because our loan is really good, even the other lender said if USAA can finish it, let them. But this has been a total disaster. At the current moment, I have had XXXX IT tickets put in so that my fiancee can get online access. Nothing has been done. I ask to speak to a supervisor, everyone is too busy. My parents and grandparents are ex-military and so is my fiancee 's family ... ... .they told us to go with USAA because we would get better rates. I waited to write this because I do n't want anyone to give my family or me a hard time with our loans and other services, but at this point it does n't matter. Do not choose USAA to finance your home. 

XXXX XXXX
Product: Checking or savings account

I opened an account with Discover Bank over the phone within the past month. I wanted to set up internet access so I used the computer at the library, as I don't have internet access at home. I input the information to access my account online - Date of Birth, Social Security Number, Mother 's Maiden Name - without thinking that a library employee or anyone looking over my shoulder would be able to see this. URGENT - THIS NEEDS TO BE HIDDEN WITH ***** AS IT IS INPUT. 

I will of course contact Discover, but this is of EXTREME importance due to a very high risk of identity theft. It is unprofessional to say the least, and exposes Discover Bank to liability in encouraging customers to provide personal information without hiding it. Every other bank I've ever dealt with has the sense to hide personal information on the screen.
Product: Debt collection

To whom it may concern, Purchased Hedge trimmer from XXXX XXXX on XX/XX/2021 and XXXX reported email delivery on XX/XX/2021. Reported to XXXX delivery not received, checked over multiple days. Requested Charge back from Wells Fargo XXXX XXXX XXXX for {$420.00}. Wells Fargo came back with a denial for Chargeback ; stated XXXX showed proof of delivery by XXXX. I stated that no one in household including myself had signed or received package in question. Wells Fargo instructed me to contact XXXX for refund. Called XXXX who told me package delivery on XX/XX/2021 may of been delivered to wrong address and a refund for {$420.00} has been sent back to your card as a chargeback on Friday, XX/XX/2021. Please contact your bank for the further assistance ( Please see Email PDF enclosed ). Spoke with multiple Wells Fargo representatives, who after explaining my case, denied chargeback. Requested I be escalated to executive office; spoke with exec. rep. XXXX who denied chargeback.Requested to speak with his superior and was then told he would investigate further and get back to me by XX/XX/2021. 
Received phone voice message stating your chargeback case has been resolved ( in so many words ) and to call XXXX XXXX XXXX Case # XXXX if you have any question or I'll receive results in the mail. When I called them I was told my Chargeback was denied ; I requested the reason and was told XXXX showed proof of delivery. I reviewed explanation of non receival of merchandise on deaf ears. After speaking to Supervisor XXXX and then being transferred to executive office, spoke with XXXX ; reviewed entire case with her and was told XXXX will be following up, and case is currently open. I asked how case is currently open, when I was told today case was denied. Her response was XXXX was looking into case and would get back to me. I then felt I was being given the run a round and requested email stating case is currently open ; XXXX stated we don't send emails. Requested to speak to superior and was told their no one else, will need to wait for XXXX. Thank you in advance for any help you may provide. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for two installment loans through Cherry Technologies for XXXXXXXX XXXX XXXX  and XXXX XXXX with XXXX XXXX XXXX. Cherry XXXX paid XXXX XXXX XXXX  the full amount of the loans up front. XXXX XXXX XXXX breached the contract and created a hostile environment for me to return to. There can be no expectation of a standard of care. I notified Cherry Technologies in writing and by phone several times to get a refund of the unpaid loan balances from XXXX XXXX XXXX  who has ignored all communication from me and the XXXX  to resolve the matter. They claim to have a no refund policy but refuse to provide documentation to support that. Cherry Technologies contacted XXXX XXXX XXXX  who offered gift cards as a solution. Cherry Technologies has been been provided documentation to show the breach of contract as well as my concern for my safety and is not resolving that matter.
Product: Credit reporting or other personal consumer reports

I have identied several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address this issues. These accounts are in connection to identity theft on fraudulent activity. The credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. This noncompliance represents a clear infringement on my consumer rights. I am seeking the assistance of the federal trade commission, as well as the consumer nancial protection bureau to facilitate the removal of certain negative accounts for my credit report, these accounts have not been addressed in accordance with relevant compliance standards, and I require the consumer nancial protection bureau 's intervention to ensure proper resolution of these issues if these companies fail to remove these accounts, I will le a complaint with the XXXX XXXX XXXX as well as with the Oce of the comptroller of the currency
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on 4 different occasions dated : XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 to either receive no response or when they did respond they are not providing me with any proof from the original creditor ( XXXX XXXX XXXX ). Also on all 4 of these occasions Equifax has went well over 30 days to either respond with re-investigating in progress 45-50 days later or no response at all. I have also filed a Identity Theft report with The Federal Trade Commission that list XXXX XXXX XXXX.
Product: Checking or savings account

this complaint is filed against US bank for deceptive business practices. 

In or around XX/XX/XXXX, i opened up a business checking account. at the time of the opening of account, it was noted that the account was FEE FREE if you selected estatements, which I DID SELECT. the bonus offer was deposit {$3000.00} or more and after 60 days, receive a {$500.00} bonus. I deposited {$3000.00} to satisfy this requirement and the funds remained until XX/XX/XXXX. shortly thereafter, i was solicited by us bank via email to open a merchant services account and settle a transaction to receive an additional {$600.00}. there was a monthly fee of {$6.00} a month for the equipment advertised. 

the following events unfolded thereafter : XXXX ) beginning in or around XXXX of XXXX, us bank began charging my account a monthly service DESPITE the account being enrolled in estatement. I would call each month and the us bank agent would refund the service fee. this occurred again in XX/XX/XXXX. 

XXXX ) i completed a transaction with the us bank merchant services in or around XX/XX/XXXX. 

XXXX ) on or around XX/XX/XXXX, after neither the checking bonus or merchant services bonus posted, i contacted a us bank agent. They claimed i was disqualifed from the us bank checking bonus because my balance fell below {$3000.00} in the checking account. I explained to them IT DID NOT fall below the balance, but for your bad faith deduction of the monthly service fee when I AM ENROLLED in estatements. the agent then said because i did NOT meet the terms for the checking account, that meant i did NOT qualify for the merchant services account bonus despite the fact it was confirmed i met the terms for BOTH bonuses. 

this is blatant unfair business practice and bait and switch. I met the terms of both bonuses and it was confirmed by the agent. the monthly service being charged by us bank was unauthorized and should have never occurred since i was enrolled in estatements from the inception of bank account.
Product: Mortgage

I submitted to CFPB complaint XX/XX/2020 ( XXXX ) and CFPB closed the complaint upon the receipt of PHH Mortgage response ; I responded to the PHH Mortgage with entire year XXXX paystubs as well as a Hardship letter ; XXXX c/o PHH Mortgage affiliated with OCWEN responded with resending same Unaffordable Trial Period Plan XXXX with extended the period ; forbearance is still in effect ; however, I receive mortgage statements that includes missed payments and late fees and other charges related to missed payments. 
XXXX c/o PHH Mortgage failure to is acknowledge true income amount from XXXX paystubs ; failure to acknowledge XXXX PHH Mortgage XXXX miscalculating errors and continue using incorrect income information in processing creating enormous calculation error is not honesty in fact and it is UNFAIR XXXX c/o PHH Mortgage has not observed reasonable considerations imminent default is due to enormous increased mortgage {$1400.00} to {$2800.00} XXXX XX/XX/2020 ) during a Worldwide COVID Pandemic- ( personally affected ) not considering XXXX. 
Loan Modification can reduce your monthly payment to a more affordable amount ; Loan modification can lower interest rate extend the loan term. It is evident that loan modification is extremely beneficial. 
XXXX c/o PHH Mortgage/OCWEN have not exhibited good faith, fair dealing, ordinary care, honesty in fact, and observed reasonable standard of Loan Modification. 
This whole situation is incredibly distressing to the world and I would be able to make payments if fairly affordable.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I received two calls from Penncreditcorp ( XXXX ). The first call was on XX/XX/XXXX at XXXX XXXX and the second call was on XX/XX/XXXX at XXXX. I find it strange that Penncreditcorp persisted in calling me but never bothered to leave a voicemail message. It's stranger still that I even got a call from a collection agency because I always pay my bills and I certainly did not receive any collection notice in the mail. So, I have no clue as to why any collection agency would be calling me.
Product: Credit reporting or other personal consumer reports

I have been having this on going issue with these 2 companies sense XXXX XXXX these accounts do not belong to me and they need to be removed. per 15 usc 1681 b this is violating my rights as a consumer. Before I report this to the XXXX XXXX XXXX or attorney 's general I will give you all one more chance to reinvestigate this matter and resolve the issue properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, who is submitting the CFPB Complaint myself for you to inform you about the wrongdoing of the 3 Credit Bureaus. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. They are reporting inaccurate information in my credit report which affects my credit scores and financial standing. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items needs to be deleted that are reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX 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 XXXXXXXX XXXX
Product: Debt collection

Company violated my rights under the FDCPA by continuing to attempt to collect the debt after I requested a debt validation and before they sent the validation to me.

The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer a consumer request is received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Bank # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Wells Fargo issued a check in the amount of XXXX issued in my name and my fathers name this check was deposited into a XXXX XXXX XXXX XXXX account that was of no association to me and my name was forged on the check. I have been in constant contact with both banks and XXXX XXXX XXXX XXXX was willing to resolve this situation Once Wells Fargo supplied them with a affidavit of fraud and I have asked and requested this information for more than a year with several responses from the fraud didnt happen on Wells Fargo end to ask the other party on the check for the funds state employees has admitted to the forgery of my name and the depositing into an account of no association. But Wells Fargo refuses to assist me. I have filed police reports and several complaints with no help
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

THIS REMOVED INFORMATION MAY BE WRONG AND I DON'T WANT IT IN MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

" Bank of America closed my claim for {$4000.00}, it was opened on XX/XX/2023. I had a debit card and someone took the money from my debit card. They opened the claim and then closed it on the same day. They did not send resolution letter. "