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

I provided letter a formal request to opt out of authorization for information sharing under 15 USC 6802, a statute governing the privacy of personal information. The letter included full name and account number, and requested the recipient acknowledge and confirm in writing that the sender 's information will no longer be shared with non-affiliated third parties. It emphasizes the importance of privacy protection and requests a prompt response from the recipient. I have already opt out w/ financial institution to not share my information. I have also submitted a complaint to XXXX ( complaint # XXXX ). Thus far I have not had a response from XXXX or XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my debit card was stolen when I was XXXX XXXX XXXX XXXX and sent to the hospital. There were a total of 9 cash withdrawls totalling {$1800.00}. On XX/XX/XXXX there were 2 cash withdrawls totalling {$310.00}. I the time I have had this account, I have never made that many cash withdrawls, which to me, looks like fraud. Once I was out of the hospital I a month later, I called the customer support number. On XX/XX/XXXX, I made a claim and said they would investigate. If that investigation took more than 10 days, I would receive a provisional credit. I received one email on XX/XX/XXXX that {$28.00} was an authorized purchase. That was the last email I received. No provisional credit was issued and that was all the responded with. I called again about 2 weeks ago and they reassured me that I would hear from them within 24 hours. I have not heard anything and I feel that they know these were fraudulent withdrawls and just don't want to reimburse my account.
Product: Credit card or prepaid card

Bank of America opted to close my secured card but refuses to refund my security deposit or apply my security deposit to the balance due on the account, resulting in me being over the limit and negative credit reporting. 

I attempted to contact them multiple times for a resolution and no one can help me, saying the do not understand my question or do not know the process.
Product: Mortgage

Hello, I have a mortgage through BB & T Mortgage. I live in California. My husband and I are both out of work due to the state wide mandated COVID-19 Lockdown/ Quarantine. I am not being paid and have been forced to file for unemployment. 
I have tried to call BB & T bank to discuss our options. I have called every day since XX/XX/2020. I have spent multiple hours on hold and have left messages. No one has ever picked up the phone nor have they returned our calls. On BB & Ts website, it states in the FAQ that they will give a 3 month forbearance but at the end of that 3 months, they want you to pay the full amount due. That would be 4 months of payments in one lump sum? How can we possibly do this? This is not going to help us. We have never paid late on any mortgage loan. This company is not helping the community during this horrific time of loss. What they are doing is creating more stress and potential heath problems due to their lack of communication and unreasonable solutions. We have been mandated by our government to stay home. Its not our choice. Therefore, this issue is not our fault.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Original balance - {$130.00} Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Debt collection

I have never had a bank account with Wells Fargo. They claim I owe {$250.00} but they can not tell me why I owe that money.The debt collectors can not tell me why they think I owe them money. They kept asking me for my Wells Fargo account number, which since I never had an account, I can not give them. I called Wells Fargo, gave them my last XXXX of my social security number, they did a check and decided I did not owe that money. They referred me to their check fraud claims department and they want my full social security number and that I fill out an affidavit. I have no obligation to do anything for them because they have not proven I have a debt or given any real explanation for any debt. I have written them letters explaining myself but they still threaten me with closing " my claim '' if I do n't fill out their form within 20 days. This is personally identifiable information which they have no right to. I would fine them for unethical behavior and not give them my driver 's license or social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive pulled my credit report and the account with XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Equifax and with XXXX Acct # XXXX its showing a late payment in the month of XXXX of 2022 which is illegal and violation. According to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive any type of notification at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian remove the bankruptcy information from my consumer report you are violating my privacy, right to credit.. 

Pursuant section 605. Requirements relating to information contained in consumer reports ( a ) ( 1 ) ... bankruptcy information is to be excluded from a consumers report. VIOLATION {$1000.00} fine ... .Bankruptcy info reads discharged ; the release of a debtor from monetary obligations upon ADJUDICATION. Adjudication ; legal process of of resolving a dispute, the process of judicially deciding a case. 

The Fair Credit Reporting Act clearing directs consumer reporting agencies, no consumer reporting agency may NOT make any consumer report containing any of the following info ... .cadres under title 11 or the bankruptcy act ... 

XX/XX/XXXX followed instructions and removed all information, see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX - XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.
Product: Checking or savings account

On XX/XX/19 I went my bank and made a over draft that put my account over XXXX not - {$300.00} over the bank of America owe me {$110.00} due over charging over draff fees and now I want all fees to be waived and this isn't the the first time that bank of America has did this to me, I'm requesting an investigation into this issue and this company need a professional baby sitter looking over shoulder to make sure that none of these workers are stealing money from customers.the problem is the bank of America charged me to much over over draft fees, I believe that the XXXX lady their had something to do with stealing my money as I am having problems with a XXXX family that live across the street from me and I believe that each and every bank worker at bank of America took a part in fraud and co-conspiracy in over charging my checking account sincerely XXXX XXXX
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is 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 reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately ( see  enclosed ). This violates the FCRA.
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with ComenityBank/XXXX. This debt is not mine. 

Someone unknown obtained my name, old address ( from 23 years ago ), and Social Security Number and opened a credit card in my name at Comentybank/XXXX XXXX XXXX on XX/XX/XXXX. They did a one time charge of {$850.00} on that date and never made any charges or payments since that date. This is presumed to be a result of the United States Government Office of Personnel Managements data breach of XX/XX/XXXX. I was notified by another retailers fraud unit ( XXXX XXXX ) in XX/XX/XXXX that this individual attempted to open another account with my information in Florida and they were able to determine the difference of address and stop it. I have notified the 3 major credit bureaus, filed a police report with the XXXX County Police Department. In addition, I have reported the case to the Federal Trade Commission. I also put a freeze on all 3 credit bureaus. 

I have tried working with Comenitybank and they keep telling me they " sold '' the loan to a Dept Collector ( Whom I have successfully had the dept collector removed from my 3 credit reports ). Comentitybank continuously says they do not send information to the credit bureaus after a loan is " sold '' yet the Comentitybank defaulted credit card debts continue to be on my 3 credit reports. When I contacted the 3 credit bureaus and ask why, they ALL say they contacted Comenitybank and Comenitybank is verifying the debt is " accurate ''. I asked the 3 bureaus where are they getting this, they tell me from Comenitybank. The bureaus will not disclose who they are receiving this from Comenitybank. When I call Comenitybank and tell them the 3 bureaus say that your company confirmed the information was " accurate '', they continue to say they they " do not report to the credit bureaus on the loan that was " sold '' to the collection agency ''. 

I have sent a certified letter to Comenitybank asking them to send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report I have included the letter from XXXX XXXX where their fraud department picked up the fraud and absolved and removed all charges that were placed on a XXXX XXXX account as proof there is an individual out there using my name, SSN, and old address still actively trying to get credit cards in my name. 

To date, I have not received any correspondence, emails, or telephone calls regarding my request.
Product: Credit reporting or other personal consumer reports

Im trying to purchase a home and Equifax and XXXX are reporting OLD accounts on my credit file, and I have reached out for them to remove these items, but they will not remove these items. And according to the Law Under 15 USC 1681b, consumers have the right to dispute inaccurate or incomplete information on their credit reports, and I am exercising that right in this instance. 

They are listed below. 

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: Debt collection

A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for XXXX XXXX XXXX XXXX XXXX for account XXXX. This account is one fraudulent account included in my identity theft.
Product: Mortgage

My previous complaint has apparently had no teeth, now the servicer SLS is scheduling BPOs and then cancelling them for frivolous reasons. My agent contacted XXXX XXXX, who confirmed that there was no BPO ordered.
Product: Mortgage

One week before closing on the house, the underwriter tried to sabotage the deal. I was still on XXXX XXXX, but in the process of retiring. The underwriter wanted my VA XXXX rating, which is never awarded prior to separation from the military. I was required to pay down points for this VA loan. They wanted me to come out of pocket {$50000.00}, but fortunately we were able to come down from this and I was able to do the deal only coming out of pocket {$33000.00} to close. {$14000.00} was paid to pay down points. This is predatory behavior, and I would not recommend this company to anyone. I am a retired, XXXX veteran and I almost became homeless because of this underwriter.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX, Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts that are misleading in my file. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} This was already included in my prior Complaint, and I'm including it again.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Product: Debt collection

Today as of XX/XX/2021 I received a threatening call from a credit agency representing XXXX XXXX. This is a collection agency that I previously had a payment plan with. I missed my payment last month because we had to cancel our bank card due to fraud in our account. I attempted to explain to him that I do not have a new bank card yet and we are only using cash. He became aggressive and extremely rude. I explained to him that we have suffered a hardship from Covid and we are using national debt relief to consolidate our debt. He then insulted me and said that XXXX is a fraudulent company and he continued to cut me off saying that they are going to proceed to sue my husband. I said to him that it is against the law and your continuous Robo calls are aggressive and excessive. He became very agitated and started to yell saying tell your husband to get a lawyer and you do not you deserve to work with our company. He threatened me to prepare for a lawsuit. I told him if you were nice and respectful to me I was going to work out a payment plan with you. He again raised his voice at me and said get a lawyer and then he hung up. He has been calling me the last month excessively at least 10 times a day along with holidays, early mornings, Sundays, and late at night. 
His number is XXXX Its called Lakeside on my contact In XXXX New York
Product: Mortgage

I have tried for months to obtain the mortgage payoff amount from Select portfolio Servicing ( SPS ) and despite my numerous explanation that the correct amount need to be calculated and provided the company keep providing me the same quote. This company is a collection agency and just started purchasing mortgages from other companies without having proper staff and knowledge on how to handle mortgages. The staff do not have knowledge and there is no loan officer we can talk to directly. Every question takes 30 days to be responded to and there is no one I can talk to explain my problem with their responses. 
They have purchased my mortgage from XXXX XXXX 2 years ago and since then I have filed numerous complaints and have filed lawsuit against them which they settled with me outside of court. 
I have tried to explain to them that during first 5-10 years of 30-yr loan consumer pays the most interest on the loan which is more than interest that they should pay and eventually the interest goes down and more of the payment goes toward principal. For example, during last 3 years 70 percent of my mortgage payment has gone toward interest and only 30 percent has been applied toward principal. Now that I plan to payoff my mortgage all the extra interests that I have paid during last 3 years should be calculated and deducted from the payoff amount. However, this company does not understand the concept of loan and keeps quoting me the same principal amount without any further calculation. They have wasted 3 months of my time trying to go back and forth and there is not a single person that I can talk to that has enough knowledge of the loan process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  said I had to dispute this with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ). 

Here are more hard inquiries that I did not authorize : Ally Financial XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never had a XXXX XXXX XXXX XXXX XXXXXXXX that gave me {$700.00} in credit. 
I have always been denied. 
I do not owe this money, this is first notice I have ever gotten, I do not have XXXX XXXX XXXX XXXX credit that allowed me to have any kind of credit. 

This is not mine
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX
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 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 XXXXXXXX - Incorrect Names
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

Received notification that there was a collection due in my name that I never opened right when I applied for a mortgage. Spoke with representative to let her know that this is time sensitive and asked for a fax or email and she stated that the company has a no electronic communication policy. This is real in 2023 to not even have a fax nor email to address fraud or time sensitive issues.