23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Citizens Bank where I have a checking account and a mortgage with them. They were taking the funds out automatically. I was called by a representative last month and I told them that I would have funds the following day to pay the mortgage a few days late. It was close to XXXXXXXX XXXX the representative stated that she would set up the automatic withdraw from my XXXX XXXX XXXX XXXX XXXX XXXX to my checking account at citizens where I was waiting for a check to clear the following day. Well they tried to take it out that very day I spoke to them they gave hit me with over XXXX dollars in fees and I have a deficit of XXXX that they are now claiming as a collection account. Their actions are unbelievable. I had told them that I had broken my shoulder and elbow but they had no sympathy I havent worked since XXXX due to this horrible injury. I need help to fix this I believe it is totally stealing my money with fees that should have never been charged due to the misrepresenting they would wait one day before accessing the XXXX XXXX XXXX XXXX Thank you my cell is XXXX Sincerely yours, XXXX XXXX
Product: Mortgage

I recently filed a complaint against Bank of America. While they did respond to my complaint via telephone onXX/XX/XXXX today in the mail I received an application for a modification for my loan. Which I did not request. This is the third time I have attempted to get my file and forensic accounting of my mortgage with Bank of America and this is the third time they have sent me wrong information. They have sent me lOan modifications when I asked For forensic accounting of my loan. They also onece sent me Notice that they could no longer do automatic payments because I declared bankruptcy which I never did. This is an ongoing problem. I want a forensic accounting by Bank of America in regards to my mortgage and I want all correspondence and a copy of my mortgage file they hold. I stated this on the phone call with the representative and then I get a request in the mail from them for financials due to my requesting a home modification which I never requested
Product: Credit reporting or other personal consumer reports

Dear XXXX I pulled a copy of my credit report and noticed some inquiries that are fraudulent I have attached a copy of my FTC report and my Drivers license and social security card. Please remove the following inquiries : XXXX XXXX XXXXXXXX XXXX Sincerely XXXX XXXX
Product: Mortgage

Myloancare was servicing my mortgage that started in XXXX of XXXX by XXXX XXXX XXXX. I was set up for autodraft and they took my XXXX payment electronically for {$1100.00} I received a letter saying my mortgage had been taken over by XXXX and when I called, they told me that my EFT would not work and it had to be re-set up. This was XX/XX/XXXX and my payment was due the XXXX. They said I did not have to pay it, because they would allow 30-60 days during the transition. However, I know that they will still be charging me interest, so I made the {$1100.00} payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, serviced by Myloancare ( loan number was XXXX ) withdrew {$1100.00} from our checking for the XXXX payment. It has been a nightmare to try and get these funds back. 13 days later and I can not get anyone to return my call. I have received communications from a XXXX XXXX via phone and email trying to track down my money. I sent copies of my bank statement to XXXX XXXX. Finally XXXX said they found the money but would only mail me a check and they refused to do an electronic transfer and when I requested by voice mail for an overnighted check, no repsonse. I even left a voice mail for XXXX XXXX who is the CEO of the parent company and not even a courtesy response.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX  XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  number XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX Bank of XXXX XX/XX/XXXX XXXX XX/XX/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: Vehicle loan or lease

Santander Consumer USA does not report my monthly car loan payments to XXXX, XXXX  and XXXX. Nothing shows on my credit report about any payments being made to Santander Consumer USA.I have been paying Santander {$340.00} a month  since XXXX and no payments have been reported.I have contacted them twice. The first time ( XX/XX/20 ) they told me they always report everything. The second time ( XX/XX/20 ) they told me he didn't know if they reported it and he didn't have access to see it.
Product: Mortgage

No accountability for not knowing how to properly process a payment. As a result my credit score will be impacted. Ask continuously to speak to a supervisor was put on hold for over 30 min. Everyone just clueless
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

out of nowhere, my interest rate was increased to a very unfair amount of 20.99 % from an already unfair amount of 15.99 %. I have never missed a payment. as soon as they did this my other credit card company did the same thing. something unusual is going on here this is total bank fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( date provided in letter ) I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Checking or savings account

XX/XX/2018,, And Cotinuting Problems, If Wells Fargo Banks Did ( ALL ) Those Very Bad Mishaps,, ( Note In Question )?? Why Have'nt Anyone From That Company Went To Jail Yet??, Its Very Obvious They Did Amit it??? And That Is A ( FACT )???
Product: Debt collection

I contacted XXXX  XXXX XXXX XXXX ( original creditor : Speedy Cash XXXX ) at the address of XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, KS XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$96.00} that is being reported on my credit reports ) and to show proof that they own the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's XXXX XXXX XXXX XXXX credit card on my account that were paid and closed on XXXX. However XXXX XXXX XXXX kept the credit cards open until XXXX, and XX/XX/XXXX to accumulate more fees despite the cards to my knowledge been closed on XXXX. Now the cards is showing on my credit report as both late and charge off on XXXX and XX/XX/XXXX when this information is not accurate because the account was paid and closed on XXXX and XX/XX/XXXX. 
I need the XXXX XXXXXXXX XXXX account to report the accurate closed date on my Equifax and XXXX credit report and to show as paid and closed because they where paid and closed on XXXX and XX/XX/XXXX.
Product: Mortgage

today XXXX ocwen called to inform me AGAIN that i needed to fax them our tax returns and a letter stating when our hardship began and our application would be complete. i have faxed it XXXX times now along with the letter of hardship. this is ludicris. i have never in my life seen something like this. this is exactly what ocwen did to us when they told us if you want help you must fall XXXX months behind and we did and after we called for help and we sent in a complete application they just kept wanting things over and over and over again the whole time assuring us they would help us to find a resolution to stay in our home. they did this to me for XXXX months, mind you we were already XXXX months behind bc they told us in order to get help you must fall behind, now XXXX months into that help how can you get caught up. does anybody care what they do? is anyone listening to me? if i find me a lawyer that aint scared of ocwen im suing their pants of them. they better cross their every t and dot their i because if their paperwork is wrong i will fight them all the way to the top.
Product: Prepaid card

I was given a {$100.00} American Express Gift Card from my company. If I check the available balance for the card using the American Express gift card website, or if I call their 800 number, it indicates the card is active and has a {$100.00} balance. However, for one year I have been attempting to use the card and it is always declined at any merchant I attempt to use it with. It it is not a physical card, so it can not be used directly in a store, but must be used online. I have attempted to use it with many merchants, and they are all reporting that it is being declined by American Express. Both XXXX and XXXX have confirmed the decline is from American Express. 

It is nearly impossible to reach anyone at American Express. When I did, they explained the card will be declined " for my protection '' but refuse to provide further information either hanging up on me, or transfeing me to an endless queue to speak with someone else. The only suggestion I have received from them was to continue to attempt to use it at other merchants, until hopefully one will be approved. This is an absurd suggestion, and seems to infer that it is possible American Express never intends to actually honor the gift card and never make the {$100.00} available for use.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 recently got a copy of my credit report and noticed some inquiries that do not belong to me.
Product: Debt collection

I have something on my credit report for XXXX about some medical stuff but its false I have no idea where this came from please remove it from my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a notification on my credit report, from the company Commonwealth finance, located XXXX XXXX XXXX, XXXX, PA XXXX. A bill with the amount of {$1500.00} from XXXX XXXX XXXX XXXX showed up on my credit report, I soon after contacted the company, and was told they knew nothing about this bill. commonwealth hasnt been forthcoming with any information, I have not received any letter in the mail or phone call this account went straight to collections, and it isnt a real account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill is legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a law suit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.
Product: Debt collection

This company, Health Services Asset Management, contacted me first on XXXX XXXX at XXXX and then XXXX XXXX at XXXX in relation to a debt presumably held by my mother, as that is who they were requesting to speak with. As I understand it, repeated attempts to contact a third party related to the debt holder is illegal and I would like them to cease all contact with me.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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: 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 U.S.C.1681 XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : Creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unauthorized inquiries listed on credit report. I disputed items with the credit bureau and was advised that the inquiries were authorized. I disputed again, asking for proof that the dispute was investigated. I never received any proof that the dispute was investigated, nor were the unauthorized inquiries removed. It is my contention, that without any proof that the dispute was never investigated and is a violation of the law.
Product: Debt collection

On XX/XX/2020 I a collection from a company called XXXXance and Huffman LLC was opened in the amount of XXXX. I do not own this debt and, needless to say, it is effecting my credit rating of my XXXX report. I would of course like this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed inquiries that are on my credit report for XX/XX/XXXX and XX/XX/XXXX from Credit Plus. 
Credit Pluss response follows : Thank you so much for contacting Credit Plus. We are reaching out to the mortgage company, XXXX XXXX XXXX to provide Permissible Purpose per Fair Credit Reporting Act Standards for making the credit inquiry, and will be sending all correspondence to you via postal mail Fair Credit Reporting Act ( FCRA ) defines the term " permissible purpose '' is defined as a reason that a consumer reporting agency may furnish a consumer report to any person or organization. Unless the purpose for furnishing the report is listed as a permissible purpose, it can not be provided without the individual consumers express consent. 

B. Users Must Provide Certifications Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 

Reiterating : unless the person has certified to the CRA the permissible purpose ( s )  for which the report is being obtained B. Users Must Provide Certifications Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose.

My questions ; Is Credit Plus claiming to be a Consumer Reporting Agency? 
WHY DOESNT CREDIT PLUS HAVE THE REQUIRED DOCUMENTATION? 

Here is the problem and a potentially big one. Why would Credit Plus need to reach out to XXXX XXXX XXXX for copies of A PERMISSIBLE PURPOSE document ( written/signed authorization from me )? 
Credit Plus claims they followed the law under 15 U.S. Code 1681b - Permissible purposes of consumer reports. But under that law it states very clearly for the extension of credit, they must have my written permission. 
" in accordance with your written instructions '' It seems Credit Plus has a policy that is reckless and violates the FCRA. Upon speaking with a Credit Plus supervisor " XXXX '' admitted they provide individual credit reports to creditors on a good faith bases. That is insane particularly in todays world. It means that any business employee can contact Credit Plus for any individuals credit report. 

Remove the inquiries from my credit report immediately by Monday XX/XX/XXXX
Product: Debt collection

I was in contact with XXXX XXXX  XXXX XXXX  over a year ago in regard to this fraudulent account. 

The fact that Portfolio Recovery has placed a collection account in my credit report without any documentation notifying me of their intent, is against the consumer laws. 

Im a XXXX  employee, and my job is contingent upon my credit background
Product: Checking or savings account

I lost my job and started to accrue returned check fees from company 's that were automatically deducting from my account. I made Navy Federal aware of my situation and they said there's nothing they could do other than to close my account and that I couldn't even do that unless my account was positive. As I was negative and desperately needed the funds and my last direct deposits, that wasn't an option. From XX/XX/XXXX to XX/XX/XXXX, I accrued 16 total returned check fees totaling about {$460.00} which downright seems criminal. They only approved to return 4 fees totaling {$120.00} or about 25 % of collected fees. Is there something that can be done about this? Is this considered ethical? Did it cost them {$340.00} for an automated system to reject a charge? Please let me know. Thank You