23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have 3 {$30.00} charges for a medical bill I was paying ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). It took some time but I was able to be approved for financial assistance, which includes refunds of amounts that have been paid. The hospital that is to issue the refunds is not responding to my requests. In order to preserve my billing dispute rights, I sent a letter via postal mail with all backup information to American Express on XX/XX/2019 I tried to initiate the billing dispute online and was not able. I received a message online that I did not provide enough information for a billing dispute. I sent the information again, with more detailed explanations, on XX/XX/2019, again in postal mail with delivery confirmation. I have received a message that I have not provided information to initiate a billing dispute. 

As American Express will not open a billing dispute, I am not able to move forward. Whether or not American Express agrees with the information I sent, the FCRA requires them to do the billing dispute and then we can fight about whether it's sufficient. So far, American Express will not open a billing dispute, upon my request with backup information. 

I have attached the letters I've sent to American Express, and their last response. I included the backup information of statements, bills, payments, financial assistance letter with the letters to American Express. I did not include the backup information, as I am agreeing to this information being made public.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting

Two years ago I got my social security number. I went to XXXX XXXX XXXX Bank to open an account and I found out that I had already had a very good credit history. The bank employee gave me a copy of the transaction from XXXX specifying that she can not give me the name because of confidentiality. I told to her that it was impossible because I came to XXXX in XXXX and I just got my social number, and she sent me back to the social security XXXX to clarify the situation. There, they told me that it is a brand new number and I should be able to use it. So, I went back to the bank, I explained the situation and they opened an account for me. Also, I asked for credit score to XXXX and the other XXXX companies accredited by government but I could not get any. The answer was that : The social security number I gave them does not much the identification information in their database. I submitted all the information that they asked for, but they could not issue a credit report for me. In addition, I called the Social Security fraud line and reported my problem. 
As I 'm still studying and not working I did not apply for a credit or credit card in the last two years. However, today when I called to be co-applicant on gas and energy accounts with my husband, the lady on the phone told me that there is a problem with my personal information and I have to send a copy of my ID to confirm my identity. 
After this, I tried to get an annual online report but the answer was : Based on the information that you provided, we can not find a matching credit file. 
Finally, I called the Consumer Protect Bureau and I was advised to fill the complaint online in order to fix my problem.
Product: Credit reporting or other personal consumer reports

I have tried reaching out no one answers the phone. Ive already complained to the credit bureaus.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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: Checking or savings account

Dear CFPB, I am writing to formally file a complaint against Bank of America regarding the unauthorized removal of my name from a company checking account without my consent and with falsified documentation. I believe these actions are a violation of banking regulations and consumer protection laws. 

Details of the Incident are available when needed. 


On XX/XX/year>, I discovered that I was removed as an authorized signer from the company checking account at Bank of America without my knowledge or consent. In fact, earlier in the day I specifically stated that I DID NOT give consent. Upon further investigation, it became clear that the bank processed this removal based on falsified or inaccurate documentation that I never signed or approved. 
The removal of my access to this account has caused significant disruption to the companys financial operations and has put both my personal and professional interests at risk. 
3. Attempts to Resolve : I have reached out to Bank of America multiple times to rectify this situation. I requested a review of the documentation used to remove me from the account, and it was clear that the signatures and authorizations provided were falsified. Despite presenting this evidence to the bank, they have failed to restore my access or take corrective action.

4. Impact of the Incident : Inability to manage company and personal finances ( due to linked accounts ) and make necessary payments. 
Risk of financial loss and damage to my professional reputation. 
Emotional distress due to the mishandling of the situation and ongoing delays in resolving the matter. 

Resolution Requested : I am seeking the following from the CFPB and Bank of America : Immediate reinstatement as an authorized signer on the company checking account.

A full investigation into the falsified documentation used to remove me from the account.

Compensation for any financial loss or damages incurred as a result of this unauthorized action.

Assurance that corrective measures are taken to prevent such incidents from happening in the future. 

I have relevant documents, including account statements and my correspondence with Bank of America, to support my complaint. Please let me know if additional information is required. 

Thank you for your attention to this matter. I trust that the CFPB will help ensure that Bank of America is held accountable for this mishandling of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance withe the fair credit reporting act XXXX  acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I just learned from my healthcare employer that I will be furloughed. Same day, I called my service provider, United Wholesale Mortgage, to learn what my options would be should i need to request a forbearance. My loan if backed my XXXX XXXX. UWM told me that XXXX XXXX offers no provision under The Cares Act to tack on any payment missed while in forbearance due to the pandemic ( UWM operator # XXXX ). They said there were no guidelines that allowed them to do that. I then asked for the guidelines. The operator could not provide any information and had nothing to offer clarity, except that what they were told was that tacking forbearance payments onto the end of the loan was not an option. But I looked at the provisions allowed by XXXX XXXX and a tack-on to end of loan is allowable. I explained that to the operator to no avail. The operator then told me that if I elected forbearance, all would be due at end, that I would be delinquent if not paid upfront, and an option was a payment plan ( up to 6 months ) that would run parallel to mortgage payments once I was able to resume. Another option, she said was to request a loan modification and then she told me that the interest rate could be higher, terms longer -- up to 35 years.. This last bit sounded like a huge amount of extra money for the service provider based on a limited # of missed payments. I would like my mortgage servicer to clearly outline the options for those requesting forbearance due to coronavirus layoffs/furloughs, as I believe the XXXX XXXX option is either not known to them, or they are willfully disregarding it. Either way, the options provided by the service provider will cause people to lose their homes with no way to make-up huge lump sump payment. This was not the intent of The Cares Act. Please help them understand the options. I work for XXXX XXXX XXXX in XXXX, WA. We are considered a hot spot and the epicenter of the breakout in Washington state. I am shocked to have to face a furlough but more terrified to think I could go delinquent on my mortgage ( only 8 months into it!! ) and lose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with equifax several times by mail about unauthorized inquiries on my credit report no action has been taken I have also called about this issue I want equifax to remove all inquiries that are listed below because I didnt authorize them. 

1. XXXX XXXXXXXX XXXX  XXXX, XXXX 2. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report in inaccurate. I have missing employer information. I have a car with XXXX XXXX which is false. This was with XXXX XXXX XXXX XXXX XXXX. There is also the wrong information on my credit card for late charges when I am still trying to show the statements with overcharged repeatedly throughout the duration of having credit cards.the statements show all of the repeated same charges with the symbol next to ( & ) transactions authorization codes. There is missing charges with fees added then removed. The address to a XXXX XXXX XXXX  for the homeless is on the report. I was homeless but I did not live at this location they had me sleep the night in the XXXX XXXX XXXX IN XXXX. for several months. I was there XXXX XXXX shelter for showers in the morning only. I had to look for a social services job during the day. I was shuffled around till I was forced in XXXX shelter that's not on there or the XXXX XXXX. I was working in the XXXX XXXX for 6 months thats missing as well.it is a mess in my report.
Product: Credit card or prepaid card

I found these two charges on my accounts and reported them to PenFed ; First of all they did not process my both of the transaction only one. 

Then they made a decision via a letter without even consulting me for a rebuttal. 

They will ignore me always put me into voice mail or hang up on me and make me call back and wait hours. 

I provided them proof that I never signed up or authorized this XXXX  XXXX  membership and they still refuse to process the refunds to my account. 

I was told by XXXX XXXX that this is not a dispute and I must file a fraud claim and PenFed is not doing so. 

Good Morning XXXX XXXX, I am writing you about your decision declining my disputes ; {$320.00} XXXX/XXXX/2020 {$470.00} XX/XX/2020 From my understanding from others within Penfed you declined my dispute because of documentation you received from XXXX  XXXX  that I signed up for their XXXX  XXXX  membership. Not sure what documentation you were looking at however I received this from XXXX XXXX and think you would agree this has nothing to do with me nor did I authorize this charge on My Penfed card. Please reconsider your decision and let me know the outcome. If I need to dig deeper for you I will. This explains why I knew nothing about this order because it had nothing to do with me. 


Thank you,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX amount of {$510.00} not true at all.XXXX XXXX amount of {$960.00} not true. Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Mortgage did not have a product that applied to the mortgage loan I requested with a live agent ( investment property, high credit score, $ XXXX loan amount, 20 % down ). The amount was too small. The agent should have had these guidelines, and knew my credit score from a soft pull. But the agent requested that I permit a hard pull anyway, knowing ( or should have known ) that the loan was under the minimum mortgage amount. Now I have a hard pull on my report ( and that of my wife ) and didn't need to.
Product: Debt collection

To whom it may concern : about three months ago I complained about XXXX that is resurgent capital services debt collection agency complaint # XXXX. I thought this account was charged off I understand that even though it's charged off I still owe. I keep explaining my situation to them that Iam in financial hardship I don't know how they want me to show evidence of my hardship. I've told them the only way I'm able to survive is by food stamps and still they don't know my unforeseen circumstance that lead me to financial hardship. You know just show them that I will work with them I'll send them XXXX or even a {$1.00} since this company wants what is owed to them. This company does not understand nor do they seek to understand the hardship that I am in. So, until I'm with a good job and that will provide me with money to pay what is owed I will send them a {$1.00} dollar when I ever I am able too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion recently reported an illegally re-aged account from XXXX  on my credit report. I disputed this with both Transunion and XXXX XXXX XXXX ( the collection agency that reported it ). I sent proof of the age of the account and the fact that it was illegally re-aged and while XXXX XXXX XXXX investigated this and found that the account was not able to be legally re-aged ( and thus sent the account back and closed the collection account ), Transunion claims that they investigated and found the information accurate. The date was changed from XXXX  to XXXX of XXXX this is well over the XXXX year reporting limit for negative information and also illegally re-aged the debt. I sent proof of the age of the debt to Transunion, but they did not remove the illegally re-aged account. I am in the middle of applying for a mortgage and this has destroyed that chance for the house I was hoping to buy. I am attaching proof that the age of the account was sent by certified mail, as well as XXXX XXXX XXXX 's message, stating they are closing this account due to the incorrect information given to them by XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX unauthorized hard inquiries were made on my Equifax credit report. The inquiries are from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and none of these actions were authorized by me. I did not apply for credit with these companies, and these inquiries appear to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many fraudulent hard inquires listed on my credit reports ( XXXX, Transunion, XXXX ) that I have no knowledge of. The list of inquiries below are in fact unauthorized and some even duplicated, many inquiries also duplicated with duplicated dates. The companies listed below never had any reason or permissible purpose to pull, attain or utilize my personal credit, personal credit information or credit profile/report. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

According to : 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. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, 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 - XX/XX/XXXX - {$810.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting

I recently review my Experian report to find the same collection agency whom did not verify debt in first instance and deleted back on my report. Experian did not provide any notice of this reinsertion and did not provide notice it was deleted. The initial deletion was on XXXX XXXX, 2016 and reinserted in XXXX 2016.
Product: Mortgage

We bought and closed on the home in XX/XX/XXXX. We live in an area where there has been some appreciation. We have also made some improvements to the house. In XX/XX/XXXX we contacted Wells Fargo Home Mortgage in XX/XX/XXXX to review our options to remove PMI. We were sent a letter dated XX/XX/XXXX that outlined our options. One of such options was to pay {$100.00} for a third party XXXX XXXX XXXX XXXX XXXX XXXX. This is the option we chose. We were told, and the letter stated that our property needed to be valued at {$290000.00}. The Broker, who was also a licensed Appraiser provided his report with a final valuation of {$300000.00}. With our loan balance under {$230000.00}, this put us not only under 80 %, but closer to 77 % LTV. When I followed up with Wells Fargo after receiving a copy of the final report, the Wells Fargo representative stated that we did not meet the requirements, as the investor now required a Loan To Value of 75 %, rather than the previously documented 80 %. The representative I spoke with could not answer any of the questions I had regarding the process and why we were sent a letter that stated 80 % LTV was sufficient, then when we met the requirement it changed to 75 % LTV. I requested to speak to a Supervisor, who stated they would look further into the matter and review the appraisal further. I was told we would be contacted by XX/XX/XXXX with a resolution. On XX/XX/XXXX my wife was contacted and told that they were still reviewing the appraisal and would be back in touch soon, again, with resolution. We have not heard anything from Wells Fargo since.
Product: Payday loan

I have been receiving phone calls from a payday loan that I do not recall taking out. They say it was drawn from SpotLoan in the amount of {$800.00}, and was given to me on XXXX 2013. They claim I never made one single payment with would not be the case if I had taken out a loan. Im confused because I have n't heard a thing until the last few days. I called SpotLoan and the representative could not even tell me what account it was deposited to. Its been sold to a third party collection whom has been extremely unprofessional ( XXXX ). I keep receiving calls threatening me. I work for XXXX and they went as far as to call my job ( XXXX XXXX ) department to report the debt. On top of the calls from the agency I get calls saying their is a civil complaint against me and garnishment will be sent to my employer. Seems suspicious in nature and high pressure collections. I also told the agency that I would have to look into this claim and she said NO EXCUSES!! I do n't want to hear them. She also wanted me to report my bank info so they could make payment arrangements. I do n't even know this persons name, it was not provided to me. I refuse to be intimidated and harassed in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Credit report I notice that were inaccurate accounts that are reporting incorrectly that are not mine. On XX/XX/2020 I wrote Experian about these accounts that are harming my credit profile. THEY HAVE FAILED TO REPLY BACK TO ME. PLEASE DELETE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT.