23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote to XXXX, the Executive VP at TransUnion stating that the credit reporting agency violated my rights as an American consumer by sharing my personal, non public information without my consent. 15 USC 1681 ( b ) Permissible purpose of consumer reports, clearly states that any consumer reporting agency may furnish a consumer report under the following circumstances and No Other. They need your written consent to add anything to consumer report if you did not give this authorization. There is also an exclusion, which states that reporting transactional data is, in fact, illegal. 15 USC 6802 ( a ) ( b ) Obligations with respect to Personal Information and 12 CFR 1022.3 defines Identity Theft as fraud committed or attempted using the identifying information of another person without authorization. Anything added to your report without written Consent is considered identity theft. 15 USC 1681 ( n ) Civil liability for willful noncompliance and in general ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of. ( A ) and ( B ). And finally the Privacy Act of XXXX ( b ) Conditions of Disclosure.

On top of that, there are multiple inquiries on my credit report that should not be there. 15 USC 1681 ( b ) Permissible Purposes clearly states that if the consumer does not have an open account with the lender that inquired, they have to remove the inquiry OR send the documentation that they used to verify the open account. I also requested that they remove any address listed on my report besides the one listed on my letterhead, for they are Non-Mailable addresses and should not be there. In my letter I clearly stated that This information was obtained unlawfully and failure to act would make them liable. This letter was sent in XXXX, it is now XXXX, and in their response they claimed that they can basically do whatever they want and no changes were made to my report. This gross negligence has caused immense damage to my quality of life and has hindered my ability to pursue happiness. Willful non-compliance can easily be proven with record of the original letter, their written response, and their failure to comply. I request IMMEDIATE action to remedy this violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Vehicle loan or lease

I contacted XXXX to refinance my car. My new loan is through XXXX XXXX XXXX XXXX. The contract was signed in XX/XX/2021. My pay off check was received by Chase on XX/XX/2021 at XXXX XXXX, signed for by XXXX XXXX in XXXX XXXX, Texas. My car has NOT yet been paid off. It has caused a huge financial hardship for me because I am now paying on TWO active loans. Chase took {$500.00} from me on XX/XX/2021. I paid {$430.00} to my new lender on XX/XX/2021. Chase owes me so far a total of {$1000.00}. I have called Chase numerous times and my refinance company. Chase claimed it would be processed by XX/XX/2021. I called today, XX/XX/2021 and now they are claiming Monday, XX/XX/2021. My credit has also been effected.
Product: Checking or savings account

XXXX XXXX, 2022 {$1400.00} deposited aXXXX XXXX XXXX and it showed in available funds, XX/XX/XXXX XXXX XXXX  it doesnt show and we have bounced check fees. The {$1400.00} covered all check costs. This so not the first time this has happened. It constantly removes funds that were showing in the account, it does the same with transactions.
Product: Vehicle loan or lease

I am filling a complaint because I sent a letter to Capital One to Validate a debt owed on a use XXXX XXXX XXXX and they did not validate the debt I owed and then repossessed my car.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

The company stated would delete the tradeline from the consumer report did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and the following inquiries and accounts must be permanently deleted from my credit profile in 4 days under FCRA section 605B Account XXXX XXXX XXXX {$94.00} Balance updated XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  Home Furnishings Stores Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXXXXXX XXXX XXXXXXXX and equivalent, and XXXX regarding information listed on my credit report such as name, address, ssn, inquiries, accounts. They have compromised my identity yet again and continue to list ssn and other identifiable information including accounts not listed in my name or belonging to me on my credit report. A ssn ending in XXXX is listed on my report along with the name of the individual. Not only is this listed under me I have an active fraud alert and police reports due to this dated back to XX/XX/XXXX and XX/XX/XXXX being the most recent. These companies were notified of these police reports and continue to compromise my safety and identity. They have accounts on my credit file tied to addresses in which I have never had accounts or live. They have information on my credit over 10 years old and continue make updates to account monthly listing them as charge offs that are inaccurate! I have recordings of ever person I spoke with by phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the referenced accounts violates my rights. 

15 U.S.C. 1681 Section 602A states that I have the right to privacy and Section 2 states that a consumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions/permission. 

The following inquires are not mine and is a direct result of id theft. I have included a police report and has filed a FTC report showing that my identity has been compromised. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was sold by Gateway One lending and finance to Santander Consumer USA. Since then my account is showing as closed and it has decreased my credit score by nearly 20 point each month. I have asked to have them update who the owner of the debt is to Santander Consumer USA. I am have been unable to contact the company for three days and their chat option is not available. I still owe the debt and have been paying so the account is not closed just under a different company.
Product: Money transfer, virtual currency, or money service

, XXXX XXXX give authorization to helpwithmybank to disputed on my behalf with XXXX XXXX   for unauthorised wire transfer on my bank account, wire transfer department tried to convinced me that I made this transaction unfortunately I denied that.After all my investigation I suspect XXXX XXXX XXXX maybe involved in that incident, his phone number is XXXX XXXX XXXX email XXXX so I demand all my refund of 1 transaction online has to returned to my account ending XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and noticed some accounts that was not reporting accurately. I had late payments on accounts..that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, these account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates for the credit card ( XXXX XXXXXXXX XXXX XXXX dated for XX/XX/XXXX ) and for ( XXXX XXXX XXXX XXXX  dated for XX/XX/XXXX ) I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

For weeks now l have contacted there customer service department and they are suppose to waive the {XXXX annual fee based on there promotion when l signed up for there credit card and every time l call they say they are still working on it and has been going on for weeks, l need someone from this company to take action and get it done, no bank or financial institution takes this long to take action, this company has been a struggle since day one. I am seeking help. I need the fee waived as promised.
Product: Credit card or prepaid card

Comenity bank has been down for days. I e tried submitting my payment all day today ( due date for 3 separate cards : Victorias Secret, Express and XXXX ( All Rewards ) and I cant log into any of the accounts. ) Phone calls are being hung up as well I do not think I should incur a late fee for their lack of planning
Product: Credit reporting or other personal consumer reports

There are several credit card companies that I've told them were fraudulent and unauthorized charges. They would not take off the charges and continue to charge interest and have destroyed my credit score. I explained my data has been breached and leaked
Product: Debt collection

The creditor Midland funding LLC original creditor XXXX has entered a judgement against me for a debt that has past the statue of limitations and is time-barred in XXXX. I believe they are conducting unfair business practices. They have violated the Fair debt collection practices act.
Product: Credit card or prepaid card

I am in the medical field as a XXXX and ever since XXXX, nothing has been right with my finances. It has been difficult and caught in a spiral. My income has been down and I am currently overwhelmed with debt.Yes, it would be easy to file bankruptcy and " charge off '' my debt, however I choose to try to work hard and make this work so that my debtors will not regret their trust in me. Even if it means that I eat less and help my child going thru college less. Because of this I still have 100 % on time payment history on my credit report. I have not yet let anyone down. That being said, I have explained this to Navy Federal over my credit card when I was hit worst back in XXXX of XXXX at that point they were getting XXXX a month from me and I simply could not do that anymore. We have agreed to close my account and they put me on a " lowered payment '' for a year. And said that we would " revisit this in another year '' ( In which I would have to apply for assistance again. I don't know who does this after an account is closed, but apparently they are the only ones who do. I have spoke to several Credit counselors and said they are unsure about this practice. Usually when someone closes their account the goal is to collect the principle ( maybe some interest ) and move on. Not Navy Federal. They put me on a " plan '' of $ XXXX since then. EVERY year at some point my payment baloons from $ XXXX to more than double! Like $ XXXX or more! I have called every year to explain that I can not make the payment in all honesty. This year they wont do anything about it. They " financial counselor '' chastised me. Made me feel like less than a person. Embarrassed me and at the end of the day refused to lower the payment. I have called and tried to speak with them since I recieved the bill. Basically a XXXX weeks ago. Every day trying to get in touch with that department. Spending hours on hold or talking to people that cant or wont help. No one will help or even talk to me at all. I asked for a manager in which they either claimed there was NOT one OR that they would call me back. Never did. Sice XX/XX/2021 I have paid $ XXXX on their lowered plan like clockwork. Never late, always on time. I have noticed that after every payment there is NO balance. Meaning its interest. I have been on a hamster wheel and balance is only going up even after all the payments. They can pull my payment history and see for themselves. I dont understand. If the account is closed and I tell you how much I can pay, why not take it and help me find a way that I can eventually pay this off even if it takes years instead of getting nowhere. I cant believe this is how they treat military families. I dont know what else to do besides not pay anything so that maybe someone will call me back to discuss this and help me to get this paid and not by a payment that I honestly can not afford that is XXXX more than I was paying on a CLOSED account. This really is taking advantage of people and predatory practice if they are doing this to other hard working and honest people.
Product: Credit card or prepaid card

Hi I had fraud in my Citizens Financial Group. credit card ending in XXXX. This happened back in XX/XX/XXXX and XX/XX/XXXX. On the XXXX there were 2 charges made for {$2900.00} and on the XXXX for {$1400.00} and all of these 3 transactions were unauthorized charges and were made without my knowledge/consent. I had lost my wallet and in it my credit card and ID. I sent Citizens the police report that I filed at the time, I also told them I am willing to sign an affidavit stating that these transactions were made without my consent but bottom line Citizens still didnt give me credit back for this and are holding me responsible for this. These transactions happened overseas. I have been fighting about it ever since and I am trying to get to the bottom of this. They have been very unprofessional and I have the hardest time trying to reach out to a representative that I can talk a discuss the matter. 

I dont know what else is it that you these guys need from me. I told them to try contacting the merchant, check cameras, whatever it is that they need to do. I just want to get to the bottom of this and I want the credit back into my account. I will keep fighting this and appeal it cause I wont be held responsible for any unauthorized transactions. 

If theres anything you can do to help, please. 

Thank you My kindest regards to you.
Product: Checking or savings account

I opened a bank account online with ace flare I believe there bank is XXXX. 
I had my social security checks going directly into my account and for two months they have kept my money from me. I tried using my card and it said call the computer ace flare rude people I dont know how they even sleep at night holding someones money from them. Anyway they knew where my money was coming from social security card they had my money kept from me over an audit mind you this is all the money I get it pays my rent and bills and medical barley they wanted me to send documents proving who I am against my better judgment I did online and so I sent them my Drivers license and legal documents on my address and social security number. After I did that they said my Drivers license was fake this is a Oklahoma Drivers license and  the doctor was from the federal government like social security number and Oklahoma Drivers license they caused me a lot of mental anguish and my rent and couldnt pay for my medical supplies and my bills i have a XXXX XXXX had XXXX XXXX and Im two months  late on my rent and bills and I could not even get my XXXX medication those people did not have any right holding my money and I still dont have my money they would not even open my card back on so I could pay my rent and bills and my XXXX medication and machine they said They will close my account and send a check in the mail but i will not get it for two weeks now that leaves me with no money for two months and two weeks I am so upset about this they have ruined my life and I want a judgment against them not only two months and two weeks of my money back I want them to pay for everything they caused me everything no rent might be on the streets and could not get my XXXX medication and XXXX medication because of this my bills being late and my mental anguish they put me through Thank you XXXX XXXX
Product: Mortgage

I applied for a home loan with Bank of America for a purchase loan but I had a seller credit for $ XXXX and was told that I could not do that. The seller was crediting me back the money to fix the sewer line. They told me I could not receive a seller credit that exceed closing costs, what I read online was you cant get cash back, if you dont have 20 % more in down payment. I was putting 40 % down, with the seller credit it would have 37 %. I decided to forgo financing and paid cash. I then applied to get delayed financing through B of America, since the previous loan was approved. Although, Im not sure why they would offer delayed financing if they dont want customers getting cash back on a purchase transaction. Delayed financing is a refi of your cash purchase with no title seasoning., They told me they could use the loans documents from the previous file. Unfortunately, they couldnt, they required new documents and appraisal. I was in the process of remodeling the kitchen before moving in and I had the sewer line fixed. They had to drill into the floor in the kitchen. The appraisal was delivered XX/XX/XXXX. My lock expired on XX/XX/XXXX. B of a year s now telling me that it requires 10 days to close a loan from the time the appraisal is received. This was never communicated and now they are charging me an XXXX of point to extend because they always require 10 days. If I would have know that up front, I would have not locked or I would have moved the remodel until after the financing was completed. I did a refinance with last year, they didnt require 10 days then. I would like for CFPB to look into the mortgage practices and see if this happens to other customers.
Product: Checking or savings account

I have called Capital One about them releasing my deposits to me since my account is not in the negative or under a dispute and they have failed to to do so in the last three weeks and haven't tried to send it to my external or mailing address.
Product: Credit reporting or other personal consumer reports

I reviewed my experian credit report after disputing under 15 USC 1681b ( a ) ( 2 ) and found that my dispute was no longer under investigation. I am writing again to report a new violation in addition to FCRA 1681b ( a ) ( 2 ). 
I have a right to privacy and FCRA states a credit reporting agency ( XXXX ) can not furnish an account without my written instructions to report - SYNCB/PPC # XXXX 
Additionally, under FCRA 1666 ( b ), a creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose. The law states initial disclosure within 21 days and this is a violation under Timing of Payments FCRA 1666b. 
This also is an additional violation under the Fair Credit Reporting Act. 
Please correct and update my records to reflect I was not late in accordance with FCRA 1666b or delete account in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX and XXXX are violating my rights under the Fair Credit Reporting Act. EXPERIAN, XXXX and XXXX are reporting adverse items on my XXXX XXXX account without my permission which is a direct violation of 15 USC 1681 C ( a ) ( 5 ) which states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. is reporting late days on my credit report for this account. This reporting is clearly adverse and being reported without my permission, which is against the law. 15 U.S. Code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. EXPERIAN, XXXX and XXXX do not maintain reasonable procedures. 
Any and all consent to report adverse items by EXPERIAN, XXXX and XXXX and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked unless the reporting is paid as agreed or Current. 15 U.S.C. 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never informed me of my right to exercise my nondisclosure option. 
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer, and EXPERIAN, XXXX and XXXX are the reporting agencies and I have the right to make sure that my private information isnt shared and is backed by 15 USC 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution, by definition, under that title. 15 USC 1681 section 604 ( a ) section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, the financial institution, and EXPERIAN, XXXX and XXXX, the consumer reporting agencies, DO NOT have my consent to furnish adverse information and they surely DO NOT have my written consent.