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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) 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. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Debt collection

The National Recovery Agency has repeated called me. The company refused to leave messages and hangs up on me when I ask why they are calling. They are asking for confirmation of personal and sensitive information over the phone. They are rude and refuse to provide any information about why they continue to call me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I contacted sunrise credit services informed them Im a victim of identity theft and the account they are trying to collect is indeed fraud supplied a police report Theft affidavit And official FTC report my Attorney is now pursuing legal action against the creditor and credit agencies as of XX/XX/XXXXXXXX  For reporting fictitious allegations and fraudulent debt Also I have informed XXXX XXXX and supplied the information as well this has caused me emotional distress and now Im seeking to recover from this situation with legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to change my address for years and delete those unknown addresses but they keep popping back up i have a new address now and those addresses still come up
Product: Mortgage

Ditech has refused to suspend the Foreclosure Auction on our property, scheduled in two days, on XXXX XXXX, 2016. They have not responded to any of the allegations in our first Complaint to CFPB other than to postpone for sixty days for a modification, which is not complete as we just finished our tax return. We applied for a preliminary injunction which was denied on notice grounds and because the judge said he was not convinced we could succeed on the merits, which is NOT the applicable standard of review. RAther, we have raised serious, substantial questions about the validity of our mortgage and note documents and a temporary STAY of the foreclosure is the only reasonable action. So Monday morning I will go back and try to get a ruling that Ditech is REQUIRED to meet with us in person pursuant to HUD regulations, as evidenced by the note they dropped off at our door asking us to " contact our office to arrange a meeting to discuss your account. '' Another person got an injunction yesterday based on that regulation, while my handicapped husband and our XXXX year old daughter were turned away by the same judge. This process is a DISGRACE and the CFPB needs to get more aggressive with these Lenders to force them to comply with the law. I called the Ditech supervisor TEN TIMES over the last two days and he refuses to call me back. If our home is sold on Monday I am going to sue everybody in sight, including the CFPB and the Massachusetts Attorney General, who is doing virtually nothing in this area for consumers, despite capturing XXXX and even XXXX dollars in judgments against the banks and lenders, for failing to protect our legal rights, and for causing extreme and ongoing emotional distress!!!!! 

XXXX XXXX DITECH telephone
Product: Credit card or prepaid card

I was charged {$1700.00} on my Fidelity Visa card from Elan Financial for an install of carpet on XXXX. When they installed the carpet, my home was damaged. I disputed this with my credit card company. I resolved this myself with XXXX XXXX. They were going to credit me the {$1700.00} and charge me {$1400.00} the price I agreed to pay. When I notified my credit card company and told them I worked it out they just added back the {$1700.00} and charged me the {$1400.00} also. When I called them they told me just wait for the credit. It never came. I paid the new account charge ( that was correct ) and every other charge I made. I called and called they would not dispute the {$1700.00} again, they told me XXXX was lying to me. I should not be liable for a duplicate charge. I have the copy of on XXXX of the form XXXX sent to XXXX payments attn : chargeback department accepting liability for the {$1700.00}. XXXX never received XXXX payments, I never received a credit. They have now sent this plus rediculous fees and late charges to collections! In XXXX of last year I drove to XXXX XXXX and did a three way call with my Visa customer service, the bookkeeper at XXXX and XXXX XXXX XXXX processor. They could not explain why XXXX did not receive payment or why I did not get the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries, and I believe they are fraudulent.
Product: Credit card or prepaid card

A credit card was opened in my maiden name in XX/XX/2022 with XXXX XXXX  LLC/Avant. I have contacted the company, sent a police report, and documents proving it was fraudulent and they still will not remove the inquiry from my credit report. The line of credit was fraudulent as well as an address listed on my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX  -Acct # XXXX XXXX. XXXX XXXX -Acct # XXXX XXXX. XXXX XXXX XXXX # XXXX 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 an 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: Mortgage

I recently refinanced my mortgage with Chase. This took about four months. The process included many egregious mistakes on Chase 's part. I spent over two weeks dealing with a loan processor who could n't understand that she was looking at someone else 's file. They dragged out the process with numerous mistakes and miscommunications. This forced an extension of my rate lock ( which I warned them was going to happen ). Dealing with the underwriting department was a nightmare of incompetence and passive aggression. At the closing they insisted that I pay them {$3500.00} to extend the rate lock after earlier acknowledging that this extension was their fault. In addition, the attorney representing chase - XXXX XXXX - told me over three times that my first payment would be due on XX/XX/XXXX. At the closing this was completely revoked.
Product: Credit reporting or other personal consumer reports

I paid all of my bills... I don't owe any Bank. But Transunion and XXXX still keep the old collections on my credit report. I think that all three credit reports should have the same information.
Product: Checking or savings account

I attempted to do an ATM deposit of {$1000.00} cash on XX/XX/2022. It was around XXXX and the bank was closed so I tried to deposit through the branch atm. The ATM froze up during the transaction and shut down and said this atm is out of service. I immediately called the number on the ATM to file a claim and I was told that the machine would be serviced and my balance would be corrected. 30 days later I received a letter that only {$12.00} was found in the ATM and my {$1000.00} credit would be deducted. I called Bank of America and they said they could re open the claim which they did. 2 days later I was told the same information that only {$12.00} was found in the machine and that I was covering the ATM camera. This information is completely false. I went into the branch to see what can be done and I was told the bank could escalate the issue. XXXX business days later I was told the same information. The bank was unable to share what type of research was done. They told me to file a police report which I did. I would like this to be further investigated as I feel who ever serviced the ATM made a mistake or the machine is not calculating correctly or someone is stealing. The bank said there is a software issue with the ATM which makes me more worried my funds are not being counted for. I filed police report today, XX/XX/2022 and am waiting for any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported multiple accounts on my credit report that didn't belong to me. I wasn't updated about investigation.
Product: Debt collection

Debt collector is trying to collect money for back rents that... 
A ) doesn't have proof of a signed lease or residence at that time period, which means the rent for the time period of the lease signed was paid in XXXX, and the collector didn't provide any proof of any Debt owned when I requested it. 

B ) the rent was approved for payment in XXXX  by XXXX  XXXX of which the XXXX was in confirming in XXXX  to me of it. 

C ) XXXX rules and guidelines states very clear that a XXXX  can not by law collect these rents or add any late fees or interest ones XXXX was filled, but XXXX violated these rules. 

D ) XXXX called us to XXXX, which was dismissed. 

So after XXXX  don't have proof of any money/Debt owned to him for the time period he is trying to collect a Debt, XXXX  was approved for payment in XXXX  by XXXX  but still is trying to collect more money and added fees and interest against XXXX  rules XXXX XXXX  's suit in XXXX  was dismissed by the XXXX, and even after a XXXX  dismissed the XXXX  's XXXX, XXXX  is still after us for collection of a Debt that isn't true and no Debt is owned to XXXX, I notified the XXXX and the collection agency of all the above Facts, + I send them all the proof of the above stated XXXX, XXXX dismissal and complaints against the Debt, which I never received a response to it from either the XXXX  or collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I see 5 hard inquiries that dont belong to me They are unauthorized this is not my account I had lost my license..
Product: Payday loan, title loan, or personal loan

A guy name XXXX XXXX from Oracle 's financial debt collection told me I had to pay XXXX or the court will garnish my wages I block his number because I know I dont owe the XXXX XXXX XXXX no money then the next day a woman name XXXX XXXX said she was his boss and that she from finalization and she need the money or the court will see me I dont know how these scammers got my information my address my phone number my email I dont know how I am very upset I'm gon na to the cops!!!!!!
Product: Debt collection

XXXX XXXX XXXX XXXX I emailed them this. XXXX " I called to pay like always but was informed you will no longer take a full year up front. With that new policy and not being able to come to XXXX these last years we decided to just move our stuff out. I am in Oklahoma so I needed to find a family member to move my stuff for me. XXXX XX/XX/XXXX he called and said they were headed down tomorrow. On XX/XX/XXXX he cleaned out the unit, on XX/XX/XXXX I turned in the 30 days notice and then tried to pay a little later. I don't not remember what day but it was early in the month. I couldn't get anyone to take payment over the phone, they said they couldn't do it although that's how I paid for years. So I went online to pay and it said my account balance was XXXX. I thought they ran the card that had been on file. Then I get a letter in the mail from a collection agency saying I owe XXXX. I called and couldn't get through so I found a chat option that your company uses through XXXX. I have the old manager admitting that I did turn in notice on XX/XX/XXXX. I saved the entire chat if you'd like to see it. 

I don't understand any of this. 

In XXXX, I tried to pay the full year in advance. 
XX/XX/XXXX my cousin comes to move my stuff out and I fill out the 30 day notice online. 
Few days later I went to pay but it said I owe XXXX. 
I get a letter in the mail later that is dated XX/XX/XXXX from a collection agency saying I owe XXXX. 
I have been trying to resolve this issue ever since. 
I didn't even get 30 days from the XX/XX/XXXX before somebody turned me over to collections '' If I no longer had an account like they claim when I was turned over to National Credit Systems how was I able to log into the system with my account number and unit # and have the system tell me I had a XXXX balance.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent investigation requests into several incorrect information on my credit file such as Name, date of Birth, Current address, incorrect previous addresses listed on my credit file. Unauthorized inquiries, collection or charge off, or late payments reflecting on my credit file. The credit bureau chooses to ignore the law and either fail to respond or simply respond with a generic stall tactic letter assuming that the letter was not sent directly by me.
Product: Consumer Loan

I have a vehicle loan through Wells Fargo that I am paying off.every time I pay a large sum at one time they introduce a payment cap. Fest I could not pay more that {$560.00} at a time, now I can not pay more than {$460.00} at a time. They are forcing me to pay unnecessary interest.
Product: Consumer Loan

Contacted Ally Bank for Payoff of XXXX Chevy Equinox, I was quoted {$25000.00} on XXXX XXXX, XXXX ; which was good thru XXXX XXXX, XXXX. I made my XXXX XXXX car payment which was {$570.00} because I was not sure if my credit union would approve my refinance application. I was approved by my credit union I overnight mailed the payoff check for {$25000.00} on XXXX XXXX, XXXX. When I contacted Ally about the over payment they said my over payment was only {$29.00}, but the account is showing the next payment due is {$570.00} on XXXX XXXX, XXXX. I would like for Ally to refund the full over payment balance on this account. I also was concerned because I felt like they were charging me additional fees on this account and the payoff balance should of been closer to {$23000.00} that is why I refinanced the vehicle.
Product: Credit reporting or other personal consumer reports

I am disputing the fraudulent reporting of the following XXXX accounts on my Equifax credit file : XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX These accounts were opened without my consent and have been falsely reported as charge-offs or with derogatory statuses. Despite submitting an FTC Identity Theft Report and relevant documentation, these accounts remain on my report. Equifax 's handling of this dispute violates FCRA 15 USC 1681i. I request immediate removal of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX BANK NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 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 an account without my written instructions.
Product: Bank account or service

I opened a new Key XXXX Checking account because of the promotional bonus being offered to new customers. The stimulations were as follows : Make XXXX direct deposit of {$500.00} at the minimum within 60 days after account opening. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit XXXX gift per qualifying account. Limit XXXX gift per individual. The value of your gift will be reported on Form XXXX. Your gift will be deposited into your account within 90 days of meeting requirements. If you close your Account within 180 days of account opening, you will be charged a {$25.00} account early closure fee. You had to open the checking account with a minimum of {$50.00}. No problem, I have a great job and thought it will be easy to meet the 60 day deadline. Then I got into a automobile accident! I sustained a XXXX and as a result have been unable to work, my doctor has n't even cleared me to drive. Now obviously I wo n't be able to get a direct payroll deposit into my new checking account since I 'm not working. I thought that would n't be a problem, surely Key Bank will understand that an unforeseeable circumstance with my healthcare providers documentation should mandate a workable solution, right? No, Key Bank absolutely wo n't budge. I offered to transfer the {$500.00} from my primary bank account in order to fulfill Key 's requirement but they said they ca n't. I have worked XXXX a number of years and bad things happen, it is Key Banks job and responsibility to see that I am taken care of as their customer without us little guys they 'd be out of business. I further asked that if no resolution could be made that they refund my {$50.00} that I initially deposited to open the account without a penalty charge {$25.00}. They refused. I ONLY opened the XXXX Checking Account because of Key 's {$200.00} sign up bonus, it 's a great deal who does n't want a bonus. But all the bonuses in the world ca n't buy good business practices. They wo n't buy honesty, integrity or standing behind your word, your people, your brand, your company. By not having good customer service and representation a company is robbing itself of the very essential component ( s ) to keeping its doors open. And customer service without representation is empty.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.