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

Birchwood Credit Services, the loan originator Mr. XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX MUST NOT be allowed to do hard inquiries on my credit without my official consent, But since they do not care ( no matter how many times I ask not to ), I decided to submit a complaint here and should be a lesson so they stop harassing people. 
So the story is we decided to refinance our mortgage last spring and XXXX XXXX XXXX XXXX , XXXX was suggested, the loan originator Mr. XXXX XXXX pulled our credit on XX/XX/2021 through the Birchwood Credit Services for the first time off course with our consent and approval and started the process but due to some financial complication we stopped the refinancing process at that time. 
Later again on XX/XX/2021 Mr. XXXX XXXX this time WITHOUT our approval and written consent opted for a hard inquiry on my credit. We just called and talked to him not to do this ; and we tried to think it was with good intentions to help us take the advantages of the lower rates. 
But AGAIN on XX/XX/2021 he did another hard inquiry through Birchwood Credit services on my account absolutely WITHOUT my written consent, not even some verbal heads up, and I got the notification of this and the negative impact ... I thought I can not live with this anymore, this is very rude, inconsiderate and bothering..this is not right! 
I just called and complained but since they might not care and I am sure this will happen again and again -not to only me but others- I decided to submit a complaint here to let the companies know what is happening and prevent their employees from harassing the customers. I do not even know how to and with what language I tell them that leave us alone, plans changed and we do not want refinancing anymore! Stop Bothering.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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: Money transfer, virtual currency, or money service

Through paypal..someone had my phone and used my account.
Product: Debt collection

I have contacted Experian so many times via phone online, and via first class mailings on many many occasions in regards to 2 accounts that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Experian more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.This account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX XXXX with a balance of {$490.00} and XXXX XXXX XXXX with a balance of {$600.00}
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 :XX/XX/LEAD Account Number:XX/XX/Account Name : XX/XX/XXXX Account Number:XX/XX/ Account Name XX/XX/LEADXX/XX/XXXXAccount Number:XX/XX/1494 Account Name : XX/XX/XXXXAccount NumberXXXX has violated my rights. Or a list of inquiries : 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: Debt collection

Repeated phone calls, like one every hour. I have asked them to stop calling with no resolution. Also have filed complaint before, which helped a while. Also got calls on Sunday.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX, Account # XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 listed late payment
Product: Debt collection

XXXX XXXX XXXX is collecting 4 debts for XXXX XXXX Emergency Room, listen before you guys are making up your bills, you need to make sure that it's real. Or I'll take legal action for destroying my reputation. I went to see a doctor at XXXX XXXX not in the emergency room, I had an appointment. I had my insurance, and was covered. And I went there only once in my life. I never seen those 4 collections, if we'll have to take care of that in court. Because you guys are all over my report for false debts. Now if you don't go ahead removing these false reports from my credit reports. I'll file against XXXX XXXX XXXX in court. That's a totally destruction you guys are doing to me, it hurts my credits reporting debts that even you guys have no ideas where the hospital got them { { { { { Opened : XX/XX/XXXX ( 3 yrs, 7 mos ) Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 2 yrs, 6 mos ) Account status : Open Amount : {$310.00} Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Amount : {$300.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 4 yrs ) Account status : Open Amount : {$38.00} Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made several complaints with the CFPB last year. I spoke with XXXX XXXX regarding the promissory note being forged. XXXX XXXX spoke to me prior to her attorney at XXXX XXXX responding to my complaint with the CFPB. She told me it would be recorded and once I told her I was recording it she told me she couldn't speak with me.Though I can't make another complaint about the forged signature on my promissory note, I am going to take all the paperwork Bank of America sent me last year along with the promissory note XXXX XXXX provided and have a forensic document examiner compare my signatures. So if I'm correct, and I know I am, I am going nationwide with it. I only live 3.5 hours away from a XXXX XXXX news station that's willing to listen and look at paperwork. When you need an attorney to respond to a complaint and we spoke prior, you know there's an issue. I still have the phone with the recording. I will have every person collecting all their documents that they never received from Countrywide Bank. I am also providing documents on my applications for a HELOC, which Bank of America serviced and a refinance in which Bank of America provided the information to Countrywide Bank that I had {$23000.00} in a savings account for account number XXXX on XX/XX/XXXX and on refinance account number XXXX with Countrywide Bank on XX/XX/XXXX. Bank of America says they don't show any account for my money, and I want my {$23000.00} plus interest. You can still say your only the loan servicer but I have so many documents to prove my point. On the Final Hud-1 statement that I have for XXXX does not match the Final Hud-1 account number ending in XXXX. Where did the money go? Is that why you sold the servicing rights. As for these loans they weren't made by Countrywide Bank they were made by Countrywide Home Loans, XXXX XXXX. I have a couple of statements still and the first statement says Countrywide Bank ( HFS ) which means Held For Sale. I tried to be nice and deal with you last year, but now I'm fed up and was tired of the lies and the runaround last year from Bank of America. Unfortunately, the CFPB makes it hard to go back on old loans, and I know they accept your answer and close it. Believe me this won't be closed until I'm done. You know I believe you were part of the Countrywide Bank " Hussle. '' Maybe if I get enough people to get their paperwork the FBI Crime Fraud Unit might be  interested again.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is JPMCB CARD with account number XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$1200.00}. 

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have this fraudulent JPMCB CARD credit card Account number XXXX removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both JPMCB CARD and XXXX have been unwilling to remove it from my credit history. This fraudulent account is negatively impacting my credit score. This incident occurred as a result of my car being stolen with my personal documentation in it, which led to identity theft. 

Remove this account from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX, through Santander Consumer USA In XXXX it was in an accident which was a total loss, my Insurance paid their portion and there was a balance left which I had Gap insurance to cover the rest of balance.But Santander Consumer USA didnt file a claim and they put a charge off on my credit report and will take it off I have talked to them over and over about it and Ive deputed it They also sold the account to XXXX XXXX XXXX which they gave a settlement to pay it off, But Santander still have it on my credit report
Product: Money transfer, virtual currency, or money service

I have a card and account with cash app, and on the app there is an option to add paper money at a retailer. I tried to do this XXXX weeks ago at XXXX and when I chose the " add paper money '' option a message appeared stating that this option is unavailable on my account due to security reasons. This is extremely inconvenient for me as I need to pay bills online using this card.I called cash app support and they told me that upon checking my account this option is available and they do not know why it's not working. He then told me to wait XXXX or XXXX days and the problem would be fixed.I tried using the option today and it still won't let me add cash to my card. Cash app support via chat gives zero explanation for this and say they have no further information and then they end the chat. When I call them they tell me It will be fixed " in a few days ''
Product: Debt collection

I am a single woman, I do not have any delinquent debt, I have excellent credit. I have received numerous calls from Midland Credit. I finally called them back today and learned they are trying to collect a debt for someone else. I have asked them to stop calling my cell phone and have blocked their number but I do want to make sure the calls stop so I am filing a complaint here too.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft pursuant to Section 605B of federal law, which protects against the unauthorized use of my personal information. This situation has caused me significant distress and has impacted my ability to manage my financial affairs. I have taken steps to report this theft to the authorities and to safeguard my identity, including notifying my financial institutions and credit reporting agencies. I am committed to resolving this issue and reclaiming my identity. 

In 2020, I became a victim of identity theft when my personal information was compromised. This violation not only affected my financial well-being but also my sense of security and trust in others. The aftermath was overwhelming, as I spent countless hours dealing with financial institutions, credit bureaus, and law enforcement to clear my name. The emotional toll was significant ; I felt vulnerable, anxious, and unsure about my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a XXXX endorsement on my license and was waiting about six months and never received it. I went to the DMV to inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. The first one that I recall is approximately around the time where this vehicle was allegedly late for the first time that I was made aware of. I used a third-party service to authorize automatic payments for this vehicle and they were not transferred to XXXX XXXX XXXX because they had been diverted elsewhere. I was not aware of any problem until I received a written notice in the mail that I was to hand over the vehicle that I had bought through them. I told them of the issue and that I would catch the payments up and find out what had happened to the payments that I made through the third party service on my own time. They said that they understood and that it would not be a problem and they would not report me as late on these issues. Within approximately six weeks all of the payments have been caught up and I thought nothing of this issue until I saw my credit report recently. In regards to the recent supposed late payments I suffered an injury and could not work on the job that I had at that time. I called them and told them I would make partial payments until all of the balance was XXXX which is what I did. Yet again I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to furnish inaccurate information on my account furthermore they do not do proper investigations into my disputes. My dispute was delivered to XXXX on XX/XX/XXXX yet XXXX still furnishes inaccurate data on my file without ensuring maximum possible accuracy Bank of America XXXX has the wrong date closed, The wrong date of last payment, and shows missed payments after the account was allegedly closed I sent a dispute Directly too Bank of America and they failed to acknowledge the errors my dispute was delivered XXXX XXXX XXXX days before XXXX received my dispute complaining of the same errors yet no change was made you would think after being put on notice twice in one month once directly by me and another by XXXX ( Since a Credit Reporting Agency must notify the data furnisher when the consumer is disputing the account ) That the alleged charged-off account would be corrected after both notifications but to no avail. 
Therefore XXXX has violated Title 15 1681E by not ensuring maximum possible accuracy before furnishing this information on my report and Bank of America has violated The following 15 U.S.C. 1681s-2-A 1 ( A ) -Reporting information with actual knowledge of errors 15 U.S.C. 1681s-2-1 ( B ) -Reporting information after confirmation of errors 15 U.S.C. 1681s-2-2 ( B ) -Duty to correct and update information.
Product: Credit card

I opened a credit card at M & T Bank due to a promotional offer they sent me. However, the bank is now refusing to let me enroll online and check my credit card balance independently. They are insisting that I visit a branch and create an online account there because I don't have any checking account with them. The bank did not mention this requirement in the credit card offer letter, otherwise I would not have opened the account. This is not just inconvenient, but also unacceptable in this 21st century when everything is almost online also the bank is about 9 miles away from my home. Traveling back and forth to the bank is just a waste of my valuable time.
Product: Consumer Loan

I was in XXXX and was in the market to get a vehicle. JD Byrider/CNAC sold me a Scion XB I fully disclosed that I live in XXXX and would like to have it title there. They told me that they could not get me a XXXX title but I can get it transferred once in XXXX. I agree to the transfer the title. In XXXX title are electric I went to the DMV before the XXXX tags expired I was told that I could not transfer because CNAC was not a registered lien holder with XXXX. Over a month of calls, I have also told them this issue need fixed no later then 2 months if not fixed the car would no longer be licensed. I was told that everything was fine again the DMV to find out they did not put a address for there business so the DMV still Could not title the vehicle. Called CNAC they called us a liar and informed them that this need fixed in 2 week. I drove the vehicle to JD Byrider in XXXX they could not take the vehicle because they are the same company but different branches and could not take the car. Called CNAC to inform then that I will no longer pay for a vehicle that ca n't be titled and that they can come and get it. Vehicle is still in my yard, CNAC breached contract and due to not having a vehicle as agreed I had to stop payment. Now they are falsely report to the credit reporting companies, I would make payment if I had a vehicle that they was not stopping me from driving
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Transunion via telephone, I informed the representative that I notice on my credit report that I have several inquiries that I didn't authorize. I explained to the representative that I believe the unauthorized inquiries may be a result of the inquiry issue Transunion experienced within 2017. The representative refused to assist me with having the misreported inquiries removed. I have reached out to the companies directly and reported the inquiries as fraud but they were not removed. Below is a list of the inquiries listed on my credit report that were unauthorized : XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) I would like your assistance with having these unauthorized inquiries removed. 

Thanks, XXXX
Product: Credit card or prepaid card

I applied online to Cabelas for a card. They sent me information in the mail saying I had to send a copy of my social and drivers license through the mail. I told them no on the phone. I asked if I could go in and finish the application they told me no. I had to redo it at a local store because you can't finish an online application locally. I was also told they had someone locally that can verify authenticity of drivers license and social there. " right ''. I said ok cancel this application. I went in to a local Cabelas which was XXXX hours from me to apply then they made me do the same thing. Send in social and id. This time they sent me an electronic submission option. That did not work. I called in 3 times and they did not even receive the information and could not say why. Extremely poor handling of confidential information.