23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account name : XXXX XXXX XXXX bankruptcy, 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

Vystar was having several issues with their website and making payments in XXXX, causing me and others to have issues with their institution. Vystar rep advised they would set up an automatic payment system for me so I did not have to use the app or online method anymore. Several months went by and I checked my account and was advised not only did I not get set up to have automatic payments taken out, my vehicle was in repossession status. I quickly made the account current and have since been current, even early on my payments. However, I was extremely upset and lost all trust with vystar. When attempting to resolve this issue and have it removed from my report, the rep at Vystar advised they did not see anything stating I made A change that would start auto payments on my account. The rep advised there was a separate log she could check to see if I did set up the auto pay method, but ultimately did not check. It is not my fault that, when I asked For the convenience of auto pay, it was not set up by the representative of Vystar. I am Not an employee and should not be held responsible for their mistakes. It is affecting every single aspect of my credit now. And I have Never had such a terrible mark on my credit. THEY ALSO NEVER CALLED, EMAILED, OR SENT A PIECE OF MAIL TO MY UPDATED ADDRESS. They stated they sent ONE letter to a place I used To live, though they have ALL my means of contact but did not utilize any of them.
Product: Payday loan, title loan, or personal loan

Was doing a yearly credit check on XX/XX/XXXX, and found a loan taken out with cash central XX/XX/XXXX for {$3000.00} with an ending date of XX/XX/XXXX for {$4200.00}. I have never taken a loan out with this company. I called cash central, or community choice financial and told them this. They told me the loan was taken out online, and would not give me anymore information on the loan, and told me I need to file police report and send all that information off to them. I never applied for a loan thru them. They never contacted me about the loan thru the mail or by calling me. It just shows up on my credit report. 
This company needs to be shut down with all the fraud and complaints on line about them.
Product: Credit reporting or other personal consumer reports

I've sent letters asking for validation about all the accounts and hard inquiries. My information was was apart of the eqifax data brench. All the information reporting on my cumsumer report is wrong. The equifax data brench has made my cumsumer report score bad.
Product: Credit reporting or other personal consumer reports

I am writing to report an incident of identity theft. I recently discovered that fraudulent accounts have been opened in my name, including [ XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Bank of America XX/XX/XXXX, bank of America XX/XX/XXXX ]. I did not authorize or open these accounts. 

I have placed fraud alerts with XXXX, XXXX, and XXXX. 
Contacted the companies involved to report the fraud and request account closures. 
I am requesting your assistance in documenting this identity theft case and ensuring these accounts are removed from my credit report.
Product: Debt collection

I am getting repetitive debt that I have to dispute monthly, I would like to not have to do this as this account is fraudulent and I have already had it removed, It continues to report.
Product: Credit card

I received suspicious mail after Capital One promised to the consumer and CFPB in numerous occasions. The responses are written on the stone. Look out for some signs of abuse/retaliation please.
Product: Debt collection

I received a letter that shows it is from XXXX XXXX XXXX XXXX dated XX/XX/2021. It has my name ( with my maiden name, not my legal married name ) and my address. It has an account number listed and an amount due to PayPayl, XXXX. I do not own the account listed and I do not owe PayPal any money. This is fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its 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 lawsuit 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 correcting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfers

I am a single mother of XXXX and of a military son. I had planned on buying a home, and now I ca n't because I am out {$4000.00} due to fraudulent activity. 

On XXXX XXXX, 2015 I was in the process of closing on a house. I was working with my realtor through email and phone during this process. It ended up that I wired my escrow money of {$4000.00} to a fraudulent account. The following is a detailed account of what happened. 

On XXXX XXXX, I worked with my realtor to sign the bidding paperwork for XXXX XXXX XXXX property in XXXX, VA. 

The next morning, I received a congratulatory email saying that the seller agreed to the bid and I will receive an email with the instructions for escrow and other documents. Later that morning, I did receive instructions and called my bank to proceed with the wire transfer. 

My realtor called shortly after to discuss me signing additional paperwork, then called again later in the afternoon to talk about escrow monies. I told him that I had already wired the money according to his instructions. He said that he never sent me anything today, and to stop and call my bank to stop payment. 

I did call my bank, and the bank where the money was being wired to, and neither party would freeze or hold the money to investigate!! 

My bank would n't do ANYTHING until I filled out a form, which, when I initially called to complain, no one, told me about any form, until my bank manager the following day mentioned it. I was told to make a police report, which I did. I NEVER, got ANY response from the local police to even say it was out of their jurisdiction. I feel really helpless in this situation. 

My realtor 's email was hacked! I want my money returned!!! That 's it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian, XXXX and XXXX on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a credit report.
Product: Credit card

Someone was able to use my email and personal information to open a Wells Fargo Active Cash XXXX Card on XX/XX/2023 for {$14000.00}. This was not me, and when I tried contacting the bank about it they assured me they saw my info but no account was opened. Transferred me to multiple numbers and no one had any actual answers or resolutions. They also allowed a balance transfer in my name of XXXX. Ive never had a Wells Fargo account nor would I open one. Today I received a phone call that my account, that they assured me didnt exist, was no frozen for fraudulent activity.
Product: Credit reporting or other personal consumer reports

As you know Transunion had a data breach and my information was included. The eleven accounts listed I have no knowledge of, please DELETE and BLOCK these creditors from reporting these inaccurate accounts on my credit report. 


XXXX. XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX  XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXX : 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: Mortgage

We applied for a mortgage onXX/XX/XXXXwith Quicken loans - XXXX XXXX is/was the mortgage banker. We were approved for {$170000.00} then after underwriting {$160000.00}. We were okay with this as it kept us in the monthly payment range we wanted. We received a link to download our approval letter, which we did and were told to find the house of our dreams. 

We started getting emails every day and text messages from XXXX XXXX every other day and even got text messages saying we have appointments scheduled to speak with XXXX XXXX. We did not set up these appointments and we asked her in writing to stop sending us spam emails. They continued. I went to look at several homes one day and I got a call from XXXX XXXX asking how it went. I told her they were not great and we weren't rushing. XXXX XXXX said to keep in touch. Later that week we got a text message saying " reminder of XXXX 's phone appointment ''. XXXX did not make any appointment to speak with anyone at any time. I emailed XXXX XXXX and asked what/who was this about and who set it up. XXXX XXXX called me and I was told " if you don't stay in touch you won't be active ''. I asked " so are you not approving us if we dont talk every other day '' XXXX XXXX said " you wont be active but you are approved ''. Yes, I was upset. I was just going back to work and she was calling me again. We are in a stay at home order and were not in a rush to go out during this pandemic and tour homes. 

Our realtor contacted us about a home, that we had loved, came back on the market. I set up a appointment to see it. He stated he would need a copy of our approval letter if we wanted to put an offer on it. I went to the app that I was originally given when we were approved to email it to him. I did not have access and a call customer service number was in its place. 

After contacting customer service at Quicken loans, I was informed that XXXX XXXX withdrew our loan application and put a note in " XXXX to re-evaluate ''. I was told that I would have to re-apply. Pulling our credit again, that close would have caused a hit to our credit score. I was so upset, I told the representative that I never told her to withdraw the application and I was just told today I was still approved. The representative stated that it was withdrawn by XXXX XXXX. The representative sent a message to the director to see what she can do and we are waiting to hear. 

In the meantime, I emailed XXXX XXXX and asked what is going on. She states that " Never did I once say I will have to repull your credit. I simply said I can re-activate your profile '' so she admitted withdrawing our loan without any cause other than being upset I didn't want to speak with her every other day.
Product: Student loan

The company at hand is named called Great Lakes loans, which are servicing my federal direct student loans. They have bundled my student loans, which makes it impossible to be sure what the pay off amount is for an individual " account '', and you must contact them by phone. I did this and received the pay-off amount from the company representative verbally. 

I paid the amount the representative instructed to me immediately after the call. The representative, by any reasonable assumption would assume that I would pay that amount, did not disclose that more interest would be added during the short processing period Great Lakes has. Thus, interest will was added during the period which prevented the loan from being paid off with the very " pay off '' amount provided by the loan servicing agency.
Product: Checking or savings account

I rarely complain but the ignorance of the KeyBank XXXX XXXX is beyond my comprehension. The restriction on my account- due to some fraudulent transactions - wasnt supposed to leave me without access to my money. Cant use my debit card. Cant use XXXX. I can not buy food. The KeyBank representative, who answered the phone after dozens of attempts, before hanging up on me, said the only way to lift the restriction is to wait for the investigation to be completed. I tried to explain to him that the KeyBank XXXX Department said they not true, that all you need is to call them, it can not be the only option to wait, I said it must be another option available for me to access my money faster.he hanged up on me. The KeyBank XXXX Department representatives, I talked to at least XXXX of them, say that it can be done in XXXX minutes. They added its completely unheard of that the branch is refusing to help. On the top of that, I use my phone for my work, as a XXXX XXXX. I have to put my phone in the Airplane mode in order to work. Today is the second day that I am using my phone calling for their assistance, instead of working. The situation Im in is very difficult. I can not access my money in my KeyBank checking account, and I am losing money for not working.
Product: Credit reporting or other personal consumer reports

Someone who probably has my information Applied to get credit card causing inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its 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 lawsuit against Experian, alleging systematic 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 not removed disputed items despite the evidence, I provided causing 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 rights as a consumer.
Product: Credit card

As stated in the US Bank credit card terms and conditions a XXXX night award stay results in the XXXX night free. This is a benefit of the credit card and is available for those who pay the {$75.00} annual fee. I have been notified that this card benefit is going away in XXXX 2015. I have paid my annual renewal of {$75.00} and feel I am entitled to this stated benefit for the duration of the paid period. 

XXXX XXXX Visa XXXX XXXX XXXX Card Terms and Conditions : Complete terms and conditions are described in the Club XXXX Visa Cardmember Agreement and the Card Benefi t Program rules ( described inthe Benefi ts Guide ), which are provided to new cardmembers and are subject to change from time to time. 
XXXX Earning Points : For each dollar ( {$1.00} USD ) of eligible Net Purchases ( purchases minus credits and returns ), XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points at any XXXX hotel. For each dollar ( {$1.00} USD ) of eligible Net Purchases, XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points everywhere else Visa is accepted. 
XXXX Bonus Award Night : When you redeem Points for Award Nights of XXXX or more consecutive nights at the same XXXX XXXX hotel property, you will receive the last of the Award Nights of thatstay free without deduction of any Points from your XXXX XXXX account ( " Bonus Award Night '' ). Your Account must be open and in good standing. Your account must be open at time of redemptionto qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). 
XXXX Renewal Bonus : Each year that you renew your Account by making at least the minimum payment by the due date printed on the Account statement in which the annual fee is billed, you willreceive a Renewal Bonus of XXXX Points. Please allow 6 to 8 weeks after the payment due date for your Renewal Bonus to appear in your XXXX XXXX account. 
XXXX XXXX reserves the right to add, modify or change the Terms of this Offer without notice. 
Please refer to your XXXX XXXX Visa Cardmember Agreement and the Card Benefi t Program rules as described in the Benefi ts Guide for the full terms and conditions of the Program rewards and benefi ts. 
The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from XXXX XXXX XXXX. 
XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX and U.S. Bank National Association. All Rights Reserved.
Product: Debt collection

Spam phone calls, not even a message left by Capital One. 
Called 3 times on XX/XX/2019. 
Called 4 times on XX/XX/2019. 
Called 4 times on XX/XX/2019. 
Called 3 times on XX/XX/2019.
Product: Debt collection

XXXX XXXX XXXX XXXX Loan with account XXXX XXXX opened on and a balance of {$6200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Vehicle loan or lease

I sold my home and with the proceeds we paid off BOTH of our vehicles. XXXX XXXX sent XXXX checks for the payoff that was provided by Ally. Ally would not provide an over night per XXXX XXXX so they had to send the checks to a XXXX XXXX XXXX XX/XX/XXXX signed the addendum for the amounts provided for payoff by Ally with XXXX XXXX. 
XXXX XXXX sent XXXX checks XXXX for a XXXX XXXX and another for a XXXX XXXX. Dated XX/XX/year>. XXXX of the XXXX checks were cashed in the amount of XXXX and applied to the XXXX XXXX Which now states closed. 
XXXX my husband and I recognized a payment being deducted from our personal checking account in the amount of XXXX $ for the XXXX XXXX. Leading us to call XXXX XXXX. XXXX XXXX states Ally did not cash the check they just XXXX of the XXXX. XXXX cancelled the XX/XX/XXXX check and reapplied a new check with a new payoff provided by Ally in the amount of XXXX on XX/XX/year>. 
XXXX XXXX emailed me a copy of a cashed check by Ally on XX/XX/year>. 
As of today Ally is attempting to take a XXXX laymens out of my personal checking account. When calling the number provided by Ally for auto customer service and requesting to speak to higher up a senior analysis states, my account is open with the XXXX ram and no check has been received. 
XXXX XXXX provided me with images of XXXX cashed checks. 
XXXX XXXX furious with no conclusion and several thousands of dollars in spoken for for my account. XXXX XXXX states I need to speak to Ally. Ally tells me to speak to who wrote the check ( XXXX title ). 
I have stopped payment on the XXXX payment. Daily interest, a payment, a possible late fees all this can be accrued because someone is NOT DOING THEIR JOB. 
I have called XXXX a week to both companies to follow up and no information has changed other than attitudes.
Product: Payday loan, title loan, personal loan, or advance loan

I am a customer with One Main Financial> The loan I have with them is due every XXXX day of the month. 
if the payment is not made on this date, the calls begin .This company ( maybe just this office ) has aggressive methods almost to the point of harassing customers. it has always happened however these last 2 months I believe they are crossing boundaries. 
last month I did not have my payment amount on the XXXX, I informed the agent I would make my payment on my payday XX/XX/XXXX. The agent goes so far as asking what time I would make the payment, I informed her XXXX. I received a text message on XX/XX/XXXX stating I really need to contact the office to discuss my account, Today XX/XX/XXXX a representative called I advised I would be making my payment on Friday XX/XX/XXXX. The representative states until the payment is made we will call, also stated will note payment will be made on Friday. 
I understand I signed for a loan, I agree to make my payments, I am not ignoring phone calls therefore IF the consumer states when the company can expect the payment continuous calling IS a form of harassing. It is also pointless for me to inform this company of being late, providing an expected payment date if I am steadily being unnecessarily harassed. I am sure they will say the calls ( which are at least 3 or 4 times a day ) are computer generated but this is also excessive. I understand their job/position but their practice are overly aggressive
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX
Product: Mortgage

ii have been in my home since XXXX when i purchased my home i included my taxes insurance and mortgage as one payment so i received notification that my taxes werent being paid from XXXX thru XXXX i had no clue of this my mortgage company told me to contact my tax office get the amount due and they would take care of it which they supposed to have been doing antway so they paid it and now want me to reimburse them thru my escrow i dont understand why all of a sudden this happened from XXXX to XXXX but not XXXX to XXXX its not fair for me to be taken advantage of while im already struggling to do the right thing by paying my mortgage please help me get this resolved carrington mortgage says my escrow is {$5900.00} behind and i owe them that so they went up on my house note byXXXX $ please help get this resolved thru this complaint thank sincereley XXXX XXXX