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

I had a similar complaint against this bank a few months ago but it never went anywhere and I am not sure why. Was it submitted? I never got a resolution of any kind. 

I contacted this bank several times in the last three months about the interest rate I am being charged after purchasing a piece of furniture in the early fall of last year. I did not at the time realize that I would not be able to be offered a low interest rate on a new purchase like this for at least six months. Most cards do offer this and it was too late. I can not afford to pay this interest. I am still being affected by the Pandemic ( my mortgage was on deferral for a year and four months and we just went back to paying ). That coupled with the cost of heat right now is crippling us financially. If nothing is done for us, I told them that I am going to have to force a settlement. I want the interest credited back to us from XXXX and this one item at the very least put on a low interest rate for six months starting now or I am going to have to offer a settlement of less than half the balance and take my punches as far as my credit goes. I will deal with it. I am not going to not be able to put food on my table and heat my house due to not being able to make a dent in this balance. I don't think this is too much to ask considering what is going on in this country and what we have been through.
Product: Credit reporting or other personal consumer reports

There are several reported accounts on my credit report that current status are charge offs/ profit and loss written off that I havent received any XXXX forms from but yet is still being reported thats affecting my credit report
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the account is fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I recently learned from XXXX that a address located in Michigan was on my credit report in 2017. 
I never lived there, visited there and as far as I know I do n't have family there. 

My drivers license have been stolen, social security card have been stolen. 
I received a letter from social security in 2017 and told to file a civil action law sue. They are aware of fraudulent activities with my social security number.

IRS is fully aware of these fraudulent transactions made persons other than myself. 

XXXX Police is investigating, several reports have been filed by me. I reported theft of my identity to the bankruptcy courts. The Supreme Court to be exact.
Product: Vehicle loan or lease

On XX/XX/year> I spoke with the representative on my vehicle loan account to approve {$800.00} to be taken out on XX/XX/year> and then the remaining balance of {$1400.00} to be taken out on my next payday of XX/XX/year>. I stated that I have a pending transaction already initiated on XX/XX/year> to come out of my account and was only allowing the bank to take out the {$800.00} now then rest on next payday. They agreed to the plan. Then when I went to check my account I see that they with held another {$800.00} from my account without my permission or knowledge, which after I told them that no more can be taken out as it would be in the negative. The representative still put a hold on the extra amount without my consent even after I had a payment plan set up with them. So now with that other transaction coming out of my account, my account went into the negative and accrued a overdraft fee. This was all due to them fraudulently with holding extra money out of my account without my knowledge or permission. The bank is Green State Credit Union for my vehicle I have a loan with them. But now I have to wait almost a whole week to contact the bank because they will not be able to speak with me till then. I'm filing a formal complaint on this department as they fraudulently with held extra money from my account without my permission even after the payment plan was set. The representative was rude and I was honest to give all information but he acted like he could care less and even after knowing another transaction was pending as I had receipt of it. I will be seeking legal action against this representative if not resolved and in writing immediately. All calls were on a recorded line as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. Please comply with my request as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Dear CFPB, I am writing to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) concerning the accounts listed below. These violations infringe upon my federally protected rights to privacy and confidentiality, specifically under 15 U.S.C. 1681. 

**Account Name : ** The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following sections of the FCRA are particularly relevant to my case : 1. **15 U.S.C. 1681 Section 602 ( a ) ** : This section affirms my right to privacy regarding my consumer information.

2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** : This section stipulates that a consumer reporting agency can not furnish my account information without my written consent.

3. **15 U.S.C. 1681c ( a ) ( 5 ) ** : According to this section, no consumer reporting agency may include any adverse information in a consumer report if it is older than seven years, except for criminal convictions.

4. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** : This section prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that you investigate this matter promptly, as these violations have caused me significant distress. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance.
Product: Mortgage

I got the letter from the underwriters that they are rejecting my application for a mortgage refinance to 3.7 %. XXXX XXXX one of the VP 's solicited my wife and myself over a 18 months ago to refinance at a lower rate, now that interest rates are going up I feel this is just a flimsy excuse to get me to go somewhere else since you no longer want to carry paper at 3.7 %. XXXX XXXX like XXXX XXXX misled me on the qualifications for going with a VA loan, the qualifications are almost identical, in many cases even easier under VA government backed loan. This XXXX about a blue tarp on my roof and a XXXX that never hit XXXX Florida ( I live in XXXX Florida XXXX miles from hurricane XXXX center ) is just smoke used by your underwriters to deny me a loan, probably because of my age. Like I have told you more than 5 or 6 times, the tarp was put on my roof by a company for preventative purposes, no change or damage since I am going after my insurance company for raising my rates. I also feel my application was rejected because I filed a complaint with FTC because Suntrust has not been truthful with me about processing my loan and eligibility with VA loan which I earned with not only XXXX years of service, but XXXX long months in the XXXX while many of you were setting home on your XXXX safe and sound while we were doing the heavy lifting. Now remember Suntrust solicited me to refinance I did not solicit Suntrust, I have put in over a year and a half of time and effort in trying to secure a loan on a property that is only borrowing less than 40 % to equity and all other qualifying factors, debt to equity XXXX scores that average almost XXXX fall under guidelines for approval under any other company who offers mortgages. As a matter of fact I have lost the ability now to seek out a better rate because you are too cheap or too lazy to re-evaluate my roof, I provided the appraisal at my expense as you required, now I would like to have my money back, and money for inconveniencing me for more than a year and a half would only be fair. When I first came to you I asked you to lock me in at 3.5 % which was prevailing rate at the time in XXXX 2016, you failed to do that. I later agreed to except the 3.7 % to move things along. I had already been approved by XXXX XXXX at XXXX all the way back in XXXX 2016 and declined because I thought it might be better to stay with the mortgage company I had been with for over 20 years, 20 years I never missed a payment. You know what is even more all the bad loans and assets your XXXX based bank wrote, all the TARP money you borrowed at the tax payers expense, you just simply go back to the well and the XXXX with the customers like my wife and myself who have been customers for over 20 years get jerked around this is nothing short of perplexing, downright evil.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to inform XXXX, XXXX, and TransUnion Credit Bureaus that I will be updating my credit reports within a 15-day time period. I am eagerly expecting that the three Credit Bureaus will remove these inquiries from my credit reports. This complaint is a continuation of the previous one dated XX/XX/XXXX. I request that the inquiries listed on this complaint, as well as the previous one, be removed once the 15-day period for credit report updates comes : XXXX : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

( XX/XX/2022 ) I am very upset with this matter. I sent a letter regarding inaccurate fraudulent information on my credit report. I feel like Equifax is taking advantage of me. 
This account is in violation of [ 15 U.S.C. 1681eb ] of assuring maximum possible accuracy of the information concerning the individual about whom the report relates. This account was already deleted from the other 2 Credit Bureaus with proof provided. You are reporting inaccurate information on my credit file as verified. Please show me your method of verification.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) You have on file of the account listed above. Under the FCRA, if you are unable to provide me a copy of Verifiable Proof, you must remove the account listed above. 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. The FCRA says that you have to tell me this in 15 days if I ask.
Product: Credit card

I was charged on XX/XX/year>. The companys name XXXX XXXX XXXX XXXX. The amount {$710.00} I disputed discharge with my credit card company. They had issued a credit. I then called XXXX months later to make sure the credit was still in place. The credit card company said everything was fine and the issue was settled in my favor. I then learned later that the credit was reversed as the vendor disputed the charge. I was not informed of this and later told that I had missed the deadline to fight this. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed and transferred to another company in XX/XX/XXXX. However, the payment status is currently reporting as Late 120 Days. Also, the payment for XX/XX/XXXX is reporting as on time. Then the following month, XX/XX/XXXX, the payment is reporting as 90 days late. I disputed the information with XXXX  in XX/XX/XXXX. They verified the information as accurate. I disputed the information directly with the company in XX/XX/XXXX. They responded with a letter to me stating that the information is reporting correctly and that they verified with the credit reporting agencies that the information is reporting correctly.
Product: Money transfer, virtual currency, or money service

Hello PayPal team, my PayPal account can not be linked to the bank and withdraw cash, I have called PayPal customer service many times, but the problem has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry from AMEX twice from two datesXX/XX/XXXX/XX/XX/XXXX. I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company from a letter. This is my formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my complaint TransUnion about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$830.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Im not sure what happened as this just recently appeared on my credit report in the past month. Yet it says date opened in XX/XX/XXXX Thats not possible. I have copies of previous reports and this was not there. I have had issues w/multiple accounts in the past in regards to identity theft. ( see attached report ). 

I believe this to have been opened fraudulently.
Product: Credit reporting or other personal consumer reports

i disputed this judgement that was open in XXXX i dusputed this several years ago equifax removed this because the statue of limitations of 7 years has past. 

just recently i requested for annually credit report an discovered that equifax has reinserted that same outdated acct # on my credit report. the amount showing. 

{$23000.00} note : this acct # should be removed again.
Product: Credit card or prepaid card

I was told this was a rewards card when signing up and not a credit card. When I figured out what it was, I asked the cashier to stop and cancel but it was too far into the process. The card was never used and closed immediately. I just want this deleted from my credit report as this was a communication issue from the store.
Product: Mortgage

Hello I am not quite sure I have a real complaint. 

I have been trying to get a definite quote from XXXX XXXX ( NMLS ID XXXX ) for refinancing my mortgage. After a lot of wiggling around, I finally got Loan Estimate with a lock on XX/XX/XXXX emailed directly to me ( no signatures, attached ) and I got an email on the same day asking me to e-sign the documents on XXXX XXXX XXXX. When clicking on XXXX XXXX XXXX the loan number ( picture XXXX ) was different than the one on Loan Estimate. So, I did not proceed. 

Today ( XX/XX/XXXX ), XXXX XXXX forwarded me an email from XXXX XXXX ( XXXX ). XXXX claims that the loans are the same, however, he attached a screen shot ( picture clarification ) which seems to show that they are not. Note that this picture shows two different loans : 1 ( float ), 2 ( LE locked ). I think I was emailed 2 but I was asked to sign 1. 

I am not in mortgage business. This could be either blatant attempt at fraud or just clumsy way of accounting. I got other offers which were much more transparent. Can you clarify this ( if Trump did n't fire you yet )? 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has refused to address me through the CFBP website and yet chose to contact me outside of this complaint and send me verification which I never asked for. Further communication from this company after I demanded them to cease and desist all communication with me is a direct violation of the FDCPA. After deleting this account from my consumer report, XXXX XXXX reinserted this negative account back onto my consumer report without notifying me within 5 days. I reaffirm that I do not owe this company any money and I refuse to pay any alleged debt. They have violated my cease and desist by sending me further information in the mail. XXXX XXXX is using extortionate means to collect on an extension of credit that is not due to them which is punishable by jail time. Also stating that I am indebted to them for this account is a false claim and subject to criminal and civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act XXXX account XXXX XXXX, XXXX XXXX, XXXX 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 604 A. A Consumer support agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( FIPPs ), 15 USC 1681 and 15 USC 1692 et seq.. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUSINESS ACCOUNT CAN NOT BE ON PERSONAL CREDIT REPORT AS PER TITLE 15 USC 1681, THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S.C. 1681 section 602 A states tthat I ahve a 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 instrutions. I have NOT given permission or written instruction to furnish an account.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of informantion ; Any other adverse item of information, other thatn records of convictions of crimes which antendates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.