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

During this pandemic i am having problems just like all Americans and main financial rep at the branch told me that i would not report negative During this pandemic ... i am having problems just like all Americans and main financial rep told me that everyone is having problems and that main financial is not reporting negative on the credit report ... i said over and over are you sure, because i will borrow the money so i would not have a negative impact on my credit, she stated over and over we will not report you if you keep your arrangements. i made arrangements with the rep and gave her my new checking information and come to find out she was still using my old checking information ... i called the manager XXXX to fix her mistake, just like she tricked me and stated i would not be reported to the credit bureau. XXXX said i am so glad you called. we still have your old checking information and not the new checking info, i been with them for 2years and i have expressed my hardship over and over to them. This is not fair and right because all my other creditors are working with me and i am not understanding why main financial would put a mark on my credit knowing i have been in conversation with them every step of the way. I believe the rep told me that lie because she gets credit for making a payment arrangement with me and i hope she does not get credit for being very deceitful and dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act hard inquires XXXX  XXXX ( XXXX  ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Mortgage

We lost our home in a wildfire. This was a federally declared disaster. Cardinal Financial holds our Mortgage Loan. All insurance proceeds checks are made out to Cardinal Financial, as well as us. We have endorsed all checks and forwarded them to Cardinal. On XXXX XXXX XXXX we mailed our most recent insurance check to Cardinal. They have not returned our money to us. We understand their need to hold the amount of our loan, but these funds are above and beyond that amount. Cardinal is delaying are ability to move forward on our rebuild. We have written to Cardinal on XX/XX/ asking them to release the funds. We called and asked for the funds on on that date and also on XXXX XXXX XXXX  We spoke to a supervisor named XXXX in the Loss Draft Department. She said to write a letter of request which we did. We still have had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) Section States : no consumer reporting agency may make any consumer reporting 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

looked at my account and noticed unauthorized inquiries XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA
Product: Credit reporting or other personal consumer reports

I am urgently filing a complaint regarding fraudulent accounts and inquiries on my credit report caused by identity theft, which have severely impacted my financial well-being. The accounts in question, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and others, were opened without my authorization, and several associated addresses, such as XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX are not linked to me and must be removed. These accounts contain inconsistent information across XXXX, Experian, and XXXX, violating 15 U.S.C. 1681e ( b ), which mandates accuracy in reporting. Creditors have also failed to notify me within the required 5-day period under 15 U.S.C. 1692g and have not validated the debts despite repeated requests, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ). Under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of this fraudulent information. Despite submitting supporting documentation, including a police report, proof of identity, and certified dispute letters, no corrective action has been taken. I demand the immediate removal of these fraudulent accounts and inquiries, as their continued presence violates federal law and has caused significant harm. Failure to act promptly will leave me no choice but to pursue legal remedies.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts found. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, 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 Equifax has neither corrected nor removed disputed items dispute 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 Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any response from the bureau for 60 days now. this is just a complete disregard for the laws when a consumer files a dispute. I hope with your help this will not be allowed to happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Capital One failed to perform their obligation to respect and protect my privacy. Capital One failed to provide me an adequate opt out notice and Ive NEVER granted Capital One any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Capital One actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Capital One breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Capital One to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Capital One is required to comply with this opt out notice upon receipt and comply with the follow
Product: Debt collection

On  XXXX   XXXX  this company left a threatening voice mail on my phone as well as my mothers indicating my 'file ' wound up on their desk and it would 'behoove ' me to contact them before  XXXX  at  XXXX , however no one ever answers that number, and I have no idea who or what they are wanting. Message attached
Product: Mortgage

XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX California has made the number of personal attacks against me for complaining about his service on XXXX reviews. I have had to delete the comments and repost them after he has replied to my comments with personal attacks and personal information regarding my complaints of his service. He continues to do this. I made a previous complaint regarding this before and his comments that he posted online said that the consumer protection advocate at your agency just laughed with him that I was crazy. This is unacceptable. This man is professional and his practices need to be investigated. He is in business to serve the consumer and not disparaged people that he does a poor job with when they complain.
Product: Checking or savings account

Back in XXXX of 2024, Wells Fargo allowed someone to hack into my account and set up multiple direct payments without any security measures. I reported this immediately, but the hackers were able to drain my entire bank account over the weekend due to Wells Fargo 's incompetence and refusal to freeze my account. This caused my payments to bounce, and it took me months to get my money back. They also refused to refund {$1100.00} from a XXXX and XXXX Bank transaction. 

Now, on the XXXX of XXXX, I logged onto my account to see that they had allowed a hacker to set up another payment to a XXXX XXXX XXXX XXXX XXXX ( I live in Oregon ). There was no alert to me, no text for verification, nothing. I've asked Wells Fargo to please set up multi-factor authentication for this recurring issue, but they said they don't offer multi-factor authentication for direct payment setups. I have XXXX other banks, and I have multi-factor authentication through all of them. I've never been hacked into any of those accounts. However, within the last XXXX months, I've been hacked into my Wells Fargo account twice, and Wells Fargo is refusing to fix their security breach to protect my money. Their website states that they have XXXX security monitoring, but they have not caught any of these fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor in that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX AV XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXX AT XXXX XXXX XXXX  XXXX XXXX XXXX : {$5300.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX {$2600.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

Hi, My name is XXXX and I have been working with a credit counselor for the past year now on a student loan. I was notified by another collection source that they are now handling my account and they needed the balance. I told them that i was currently involved with a third party for a settlement. The original company did not take my last payment out. If you could contact me regarding this matter I would appreciate it.
Product: Vehicle loan or lease

I got my car from usauto in XXXX and they went out of business and now it was given to Westlake. Portfolio. they refuse to give me any information about my car an say even if I pay it off I may not get the title for the car. An there putting extra fees on my payments an I can't afford that I'm on XXXX and I don't have the extra money. Thay want return my phone calls an if the answer when I call they hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an online banking account with Chase Bank. They stated that if I created an account with direct deposit, that they would award me with {$200.00}. Once I signed up and used one of my other verified addresses, I inputed my unemployment direct deposit. The next day for no apparent reason. Chase decided to lock me out of my account with out a valid reason. Shut down there customer service options on the phone and I couldn't call back. Chase asked me to provide them with a utility bill from my from my previous address and I provided them with a letter confirming proof of address. But to no avail my account is still locked out and chase refuses to help me get my {$200.00} and I've lost this weeks unemployment due to chase bouncing a perfectly valid direct deposit into an account that had absolutely nothing wrong with it. The customer representatives were very unhelpful and rude.
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 # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  Account # XXXX, Account name : XXXX XXXX  Account XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

and according to 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

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONSUMER REPORT VIOLATIONS ON ONE TRANSUNION ACCOUNT. RE : XXXX TRANSUNION ACCOUNT, TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED.
Product: Credit card or prepaid card

I have a Citibank XXXX XXXX XXXX XXXX. On XX/XX/2023, I made a {$13000.00} payment to the balance of the card. On XX/XX/2023, a regularly scheduled payment of {$990.00} was made. BOTH payments cleared my bank the day following each individual payment. On XX/XX/2023, I received a statement stating I had a balance and AVAILABLE credit of {$15000.00}. Today, XX/XX/2023, I attempted to use my card for a {$290.00} purchase. This is purchase obviously well below my available balance. The card was declined. As a result, I called Citi and was given bogus, vague excuses. I was told by two Citi employees that sometimes they just choose to put a hold on a payment. Criteria varies. I was told the payment may have been too big or that I made more than one payment. Yes, i did both. So, to be clear the reason for a hold on my card was my payment was too big and I made two of them in the same month?? Was I paying too much too fast? The second rep said she can call the bank where I keep my checking acct bank to see if the two-week-old payments had cleared my bank, but since it's after XXXX she will have to call tomorrow. One challenge, I want access to the available credit balance today! This is insanity. I was never notified in any way, shape or form that Citi would place a hold on a payment. This defies all logic. Citi has had the money I paid them timely before my due date with plenty of opportunity to verify the cleared payments and for me to receive an email statement for XXXX month reflecting said payments. What's pathetic is Citi knows they received the funds. They acknowledge such in the statement. Shutting down a card is what should happen when a customer does not pay their bills on time and does not make payments larger than the minimum requirement. 

A bonus for the whole endeavor I had to ask the first rep to quit eating his salad while talking on the phone.
Product: Mortgage

The documents I received on XX/XX/XXXX shows XXXX the property Deed of Trust was and still is with XXXX XXXX XXXX XXXX an unmarried woman. attached is the document showing myself as the trustor under the security instrument that I have never violated or transferred. 

The Trustee here shows it as XXXX XXXX XXXX so on XX/XX/XXXX, I have no evidence that they sold this at auction. and no proof has been provided. 

I also received a fake Deed Sale that no proof of consideration {$680000.00} was paid and how. the word CASH does not comport to proof, but a method of so called payment that needs proof. 
proof there is actual unpaid debt of {$160000.00} when all principle payments have been paid up to and including XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a short-term with this company in XXXX due to emergency bills and gas money needed, I was not able to repay the loan due to employment issues, I tried to get a loan with them in XXXX and I was told that I owed a {$220.00} balance. I have no income, no unemployment benefits and NO OTHER RESOURCES. In addition this debt is PAST THE FLORIDA STATUE OF LIMITATIONS AS THEY DO NOT ALLOW ANY DEBTS OVER XXXX XXXX XXXX TO BE COLLECTED OR ANYTHING. SO THEREFORE THEY ARE REQUIRED TO FORGIVE THIS DEBT OR OTHERWISE I WILL SUE FOR {$5000.00} FOR FINANCIAL AND EMOTIONAL DURESS AND EVEN WHEN I HAVE SECURED EMPLOYMENT I WILL BE FILING BANKRUPTCY AS MY INCOME WILL NOT SUPPORT ANY DEBT REPAYMENT.
Product: Mortgage

My Mortgage Company EMC has not complied with the stipulations outlined in the settlement of FTC FILE # XXXX Pgs XXXX of PDF. They failed to correct my escrow account which is clearly miscalculated see pgs XXXX-XXXX of PDF and filed false documentation with the IRS in regards to what they actually received from me See Pgs XXXX-XXXX. They refused to answer the Pennsylvania Banking commisons questions regarding these XXXX matters See Pg XXXX of PDF XXXX line. They excluded me from any settlement monies. Gave my loan to a collection agency XXXX XXXX XXXX without settling the dispute See pgs XXXX. They then told me there was no more settlement money, but they recognized their mistake and would satisfy my loan See XXXX XXXX,XXXX of PDF. Yet they still report this incorrect amount to both XXXX, and XXXX. XXXX. They do not report tis to XXXX. EMC sold my loan to chase. The resolution I want after 10 years of being taken advantage of is this debt totally removed from my credit history. I want them held accountable for violating the FTC settlement which precludes them from misrepresenting the amounts I owe, not compensating me, Violating my rights in regards to the FDCRA by reporting a amount they know is inaccurate. My Escrow Disclosure Statements for XX/XX/XXXX and XX/XX/XXXX do not match my Annual tax and interest statements as they should see pgs XXXX-XXXX of PDF. My rights are being violated and my credit has been damaged for years. First and foremost I want this removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on credit report.
Product: Debt collection

Original letter from XXXX XXXX XXXX , XXXX. 
Alleged date of violation : XX/XX/18 Alleged balance due : {$160.00} Letter from Transworld Systems , Inc. ( " Company '' ) : XX/XX/18 Company has taken on debts from the City of XXXX XXXX as a loophole to circumnavigate Louisiana State Law in collecting Red Light Camera civil fines. As part of an ongoing class action lawsuit, I wish not to be contacted or harassed by a company which is not affiliated with the City of XXXX XXXX or XXXX XXXX XXXX Parish for collection of a debt that is currently in litigation. Future letters or calls with consequences of reporting to a credit bureau will result in further complaints to CFPB and/or included as part of the above litigation.