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

In accordance with 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, ACCOUNT NUMBER : XXXX, BALANCE : {$5700.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$470.00}, XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$8200.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$170.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$23000.00}, XXXX, ACCOUNT XXXX XXXX BALANCE {$500.00}, XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$250.00} INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have 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

BMW Financial Services has a charge off on my XXXX, XXXX and XXXX Credit Reports in which this account # XXXX  was included on Bankruptcy Chapter XXXX on XX/XX/XXXX and debt of around {$20000.00} or {$37000.00} dollars was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX.

BMW implemented this debt on my XX/XX/XXXX Federal Taxes.

This debt should have been reported to XXXX, XXXX and XXXX and Federal IRS because debt was included on Bankruptcy Chapter XXXX.

BMW Financial Services, XXXX, XXXX  and XXXX are in violations of my XXXX XXXX Civil Rights Act under Department of Justice and Federal and State Laws.

I am XXXX, Retired and a XXXX  Military Veteran.

Also, there is Derogatory Remarks that needs to be removed immediately as I mark Delete on credit reports.

Documents was provided it for evidence on issues.

My credit scores are suffering because of the Derogatory Remarks on my credit Reports..XXXX  score XXXX-XXXX XXXX-XXXX  XXXX my credit was pulled with my written Approval by XXXX XXXX XXXX XXXX on XX/XX/XXXX as I am going through a VA Loan process. VA Loan Consultant XXXX XXXX   -XXXX email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : CAP ONE - account number : XXXX and CAP ONE - account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Credit reporting

no phone number to call company and ask how is checking my credit Loring, See if you 've made progress toward building a credit score. 
You last checked in on XXXX/XXXX/16. 
Credit Karma , Inc., XXXX. XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : 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 an account without my written instructions. 
This account a fraudulent account, I don't owe this company.
Product: Mortgage

I have a hard foreclosure date of XX/XX/XXXX and Caliber refuses to postpone the sale even though my agents have offered them a full payoff. The XXXX mortgage is with XXXX and they have verbally approved the amount, it takes a couple of weeks to generate the approval. 

XXXX told my agents that they will make more money by foreclosing and not paying a commission or payout to XXXX. IS THIS LEGAL THAT THEY CAN FORECLOSE ON ME EVEN WHEN OFFERED A FULL PAYOFF? I know there is no guarantee with a short sale, but when offered a full payoff does n't a bank have to allow the seller the chance to stay in his/her home? 

XXXX XXXX
Product: Checking or savings account

NAVY FEDERAL was purposely causing overdraft fees by taking payments late, causing me to overdraft and causing my account to be insufficient.
Product: Credit card or prepaid card

I used my Chase Sapphire Reserve credit card for a military moving deposit to XXXX XXXX XXXX as XXXX separate transactions, {$2500.00} on XX/XX/2021 and {$2200.00} on XX/XX/2021. 

The contract was to pay for moving BY WEIGHT. This was agreed upon up front with the moving company because the US Army was to be reimbursing the move as an XXXX XXXX XXXX  move and they only reimburse by weight and not by volume. 

On the day of the move XXXX XXXX XXXX contracted the pick up to a third party company who loaded the truck then gave an estimate for more than double the price as charged by volume. I called the coordinator to dispute this who would not help. The third party moving company than tried to extort me for {$1000.00} in cash to get my stuff back off the truck requiring me to call the police. The movers eventually agreed to take my stuff back off the truck under the threat of being charged with theft by the present police officers. 

I did not request to cancel the move. I wanted the agreed upon charge by weight but XXXX XXXX XXXX treated it as I willingly cancelled the move and refused to refund me the deposits. Chase refused to chargeback my deposits saying while I may have a valid dispute with the merchant, they were valid charges despite the merchant not adhering to the agreed upon moving charge by weight and not volume. I tried to contact the merchant who even has it in their contract that deposits can be used for future moves if not returned and they do not return any of my emails or calls.
Product: Credit reporting or other personal consumer reports

I found out that my direct deposit had an issue on XX/XX/13 XXXX4 days after. It was established by XXXX XXXX after an hour on the phone with XXXX  XXXX XXXX that I personally did not place a stop payment on it, that the payment did not hit the bank acct at all. I then made another payment to the card through their site and again it came back to me. On the XXXX I used my debit card and it went through ; however, XXXX  XXXX sent to the credit bureau that I was late and it dropped my FICO XXXX points! Im trying to buy a house. I wasnt even late on the payment as there is a Grace period and the issue was with the credit card. I then contacted the card again-XXXX  gave me yet another reason why and now says she created the case to report the correct information. I dont know what the problem is with this card but this needs to be addressed properly and promptly.
Product: Credit card or prepaid card

On XX/XX/2022, I went to Bank of America, XXXX XXXX, California branch to open a bank account for my business. In the middle of the opening the account, the business banker whose name is XXXX XXXX asked me whether I need a credit card for my business. I asked him whether this might cost anything or harm anything, he said no. I said that's fine, even though I did not actually need such a credit card. 

Later I found out that he hard pulled my personal credit to open this business credit card for his commission or performance purposes. He did not 1 ) informed me anything about this credit run ; no notice at all ; 2 ) he did not pull business credit first. I would not give permission to have Bank of America run my personal credit if I knew this was a condition to get a credit card. I did not need this credit card at all in the very beginning.

I found this out because I am in the middle of closing an escrow for an investment property, and the loan company found that there was a credit inquiry on my records, and they wanted to delay the closing because of it. The locked rate is about to expire, and the new rate would be much higher than the locked rate. 

I am seeking damages from Bank of America. 

This branch turned out to take advantage of ignorant new immigrants as a common practice; tricked new immigrants who were not familiar with compliance laws at all to open credit card without acknowledging them about the credit hard pull. 

In addition, the BOA banker XXXX XXXX sent harassing languages to me by messaging.
Product: Bank account or service

My XXXX, offered through Comenity Bank, offered a balance transfer offer with a XXXX % apr and a XXXX % transfer fee of all money transferred, up to my credit line. 

The offer was stated as follows : XXXX % Promotional APR* is available on eligible balances transferred through XX/XX/XXXX. Thereafter XXXX % variable APR will apply to the remaining transferred balance. ** So, although the above statement indicated that the offer was available on eligible balances transferrred through XX/XX/XXXX, when I applied for this offer in XX/XX/XXXX, I was informed that the offer expired
Product: Debt collection

I am writing to dispute the inaccurate and fraudulent information related to the account which has been reported to my credit file and is currently being handled by your company. This account is a result of identity theft, and I am formally requesting a reinvestigation of this matter under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ). 

I believe the information concerning this account is incorrect because I did not open or authorize any activity on this account. I have taken steps to report this incident as identity theft and have attached supporting documents, including a copy of my identity theft report and the police report filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were serviced by great lakes on behalf of us dept of edu. They closed the accounts due to transferred them to another loan servicing company Nelnet. The closing of the loans reported to the credit bureaus XXXX and XXXX due to transfer which dropped my credit score drastically. Months later the loans were re-added to my credit reports with these bureaus and my score then dropped drastically again so it now looks like ive just opened this new debt with student loans and it is hindering me from obtaining new credit ie : a new apartment because it makes me look irresponsible which I believe is unethical.
Product: Money transfer, virtual currency, or money service

Me and my wife bought a home in XX/XX/year> and included in the sale were checks to pay off credit cards that we owed.CITI bank ( shop your way ) was one of those. We owed around {$700.00} or so. We sent the checks out and the other credit cards were paid off that easy.however Citibank cashed the check and will not put it to my account even though it was sent with my account number.ive called several times and got nowhere.the title woman that helped sent a copy of the check showing that citi cashed it.so we sent paperwork again to citi and got nowhere.i tried to open a fraud case with them but dead end there also.i did close my account but Im still paying for something they cashed and they wont credit my account. Frustrating to say the least!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX accounts showing as charge-offs. According to the IRS, charge offs are defined as gross or ordinary income. Income does not get reported on a consumer report. Therefore this information should not be reported on my consumer report as debt. Please remove and update the following accounts from being reported on my consumer report. If these accounts are not removed i will file a complaint at my local courthouse for defamation of character being that they are furnishing inaccurate accounts on my consumer report and causing my character and credit capacity to be tarnished. 

XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number xxxxxxxxxxxx XXXX
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my report that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Capital One Bank delivered checks to XXXX they were not cashed in the amount of XXXX XXXX XXXX they held this money for several years. Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX an XX/XX/XXXX. As I have an issue and have a XXXX handling the case for my residence. I was un aware that these paid bills checks were not cashed by the landlord. They kept my money in escrow. I had made several attempts to get money back but they always give me a run around. I would like my money plus the interest incurred for the following years they kept it. Thank you for your help.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX - XXXX XXXX
Product: Mortgage

I recently filed a complaint XX/XX/XXXX which we thought was resolved in a repayment plan, and a removal of the negative credit reporting all was good til XX/XX/XXXX when they reigned and put 11 past due payments on my credit report, and this from a supervisor who felt bad about what greentree did to me, well just goes to show you soon as you close a case they turn back to thee old ways. all agreements of the repayment plan are in my first cmplaint case # XXXX which i printed off your site also for just a occasion. I am also in touch with other agency 's regarding illegal transactions.
Product: Debt collection

Everyday 3-4 times a day. I've told them I was let go from my job. They continue everyday different numbers to try and throw me off I'm sick of it. Affirm I'll tell you I don't care I'm tired of it.
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 Experian 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 Experian 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 XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Debt was paid in full on XX/XX/year>. I paid XXXX dollars On XX/XX/XXXX they sent proof paid in full and XXXX balance. 
I have reached out to XXXX, XXXX, and XXXX and submitted proof of paid in full status. Because of them not removing this info. I am being denied the right to buy a home.
Product: Credit reporting or other personal consumer reports

Hello, Ive noticed that my Equifax credit report contains inaccurate personal information, leading to the appearance of fraudulent and unknown accounts that I have never been associated with. I am a victim of identity theft, and my personal information was used without my consent to open these accounts. Following Equifaxs guidance, I filed a report with the Federal Trade Commission ( FTC ) and submitted the necessary documentation. Despite this, the fraudulent accounts remain on my report, causing ongoing harm to my financial standing and personal well-being.
Product: Bank account or service

I deposited a check in XXXX currency with the Citizen 's Bank XXXX XXXX, 2015. Instead of converting to XXXX currency at the published Exchange rate of C {$1.00} = XXXX {$0.00} on the date of conversion, the Bank gave an Exchange rate of C {$1.00} = XXXX {$0.00}. This amounted to a difference of more than XXXX {$1800.00} in their favor for handling this transaction. 
I called XXXX other banks with whom we do business, and was told they always used the posted official daily exchange rate. 
Please respond with the Official FTC policy regarding this matter. 
Thank you. XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX, Tel. ( XXXX ) XXXX )
Product: Debt collection

These accounts are inaccurate for the following reason : I did not authorize these debts or accounts, and they were opened fraudulently without my knowledge or consent. This constitutes a clear violation of FCRA 623 ( a ), which mandates that information reported to the credit bureaus must be complete and accurate. Reporting false or unverifiable information is a breach of federal law. Additionally, as a victim of identity theft,
Product: Credit reporting

I reported on several occasions to expierian that there is a Name and Address that is on my credit Report other than mine, Someone my Name is XXXX XXXX XXXX my my ssi # is XXXX my current address is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX My old address was XXXX XXXX XXXX XXXX XXXX florida XXXX. There is someone using a name close to mine XXXX XXXX XXXX ( no Me ) address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, fl XXXX @ Geographical code XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection reporting on my credit report under XXXX XXXX. I have been disputing with the credit bureaus and the collection company. After every dispute, the credit bureaus, Transunion, XXXX, and XXXX leave the collection on my report. However, I have not received an appropriate response from XXXX XXXX myself. I have sent debt validation letter on XX/XX/2021, and follow up letters on XX/XX/2021 and XX/XX/2021. XXXX XXXX has not responded through mail, phone call, email, or any other method. If they can not respond to me and validate the debt for me, how are they validating the debt to the big 3 credit bureaus? I know that there is an estoppel of silence and with XXXX XXXX not responding to three validation requests, I would like to use it in my defense and have this account deleted from my report immediately. Transunion, XXXX, and XXXX have also failed to provide me with any dispute results over the last 5 months. I pulled a copy of my credit report today and noticed that XXXX XXXX is reporting the same account twice on XXXX with a different account number. I want these accounts deleted immediately because they are unverified and reporting inaccurately. I have enclosed my ID docs, copies of the letters I have sent to XXXX XXXX and copies of the images from my credit report. I am me and no one else is filing this for me. I do not want to receive letters that they need to verify my identity or anything like that. Please delete the inaccurately reporting item.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against SELF FINANCIAL INC / LEA for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against SELF FINANCIAL INC / LEA for engaging in practices that violate my rights under federal law, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information about the debt. Despite my request for such information on XX/XX/year>, SELF FINANCIAL INC / LEA has not provided any validation of the alleged debt. 


Premature Reporting to Credit Bureaus : Without providing the required validation information, SELF FINANCIAL INC / LEA has placed a collection account on my consumer report. This action violates my rights as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states that consumers must be given a chance to dispute the account before it is reported.

Use of False, Misleading, and Deceptive Means : SELF FINANCIAL INC / LEA has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt, contrary to the provisions of the FDCPA.

Unauthorized Reporting to Consumer Reporting Agencies : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all necessary disclosures before furnishing any account information to consumer reporting agencies. SELF FINANCIAL INC / LEA has furnished account information without complying with these legal requirements, constituting a clear violation of these statutes.

Requested Resolution I request that the CFPB take the following actions to address this issue : I am Requesting Debt Validation from SELF FINANCIAL INC / LEA I am Requesting Purchase Agreement between SELF FINANCIAL INC / LEAand the original creditor I am Requesting that SELF FINANCIAL INC / LEA furnish proof that they are Licensed and Bonded Investigate the practices of SELF FINANCIAL INC / LEA and enforce appropriate penalties for any violations of federal laws.

Require SELF FINANCIAL INC / LEA to cease all collection activities on the disputed debt until they provide proper validation as required by law.

Ensure that SELF FINANCIAL INC / LEA removes any and all information related to this alleged debt from my consumer report until the proper validation and disclosures are provided.

Prevent SELF FINANCIAL INC / LEA from engaging in further communication with me through email/text/call.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.