23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A checking account was opened XX/XX/XXXX for a Living Testamentary Trust to care for a person during his lifetime. At his death the remainder of the Testamentary Trust was to be returned to the Living Trust. This person died on XX/XX/XXXX. There was a balance of {$15000.00} at the date of death. This money remained in the account until the estate was settled. Upon contacting the bank on XX/XX/XXXX I was told that the account had been closed as it was overdrawn. The funds were slowly depleted fraudulently from XX/XX/XXXX through XX/XX/XXXX until the Bank closed the account for being overdrawn. The fraudulent withdrawals were debit card purchases and ACH charges. The Bank has refunded the {$660.00} of debit card purchases. We were told that there will be a check coming for {$3400.00} from one of the ACH charges, but it hasn't arrived. There are {$4200.00} XXXX charges that were denied. I have contacted XXXX and was told it was over two years old so they denied responsibility and that we should file a police report. The rest of the charges are " pending ''. I have contacted the bank on at least 14 occasions but never talk to the same person. There are three different claim numbers that have been provided to me, and at least four different departments involved. I feel the bank has not met it's fiduciary responsibility in this case and should pay the Trust the amount that was in the account at the date of death.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a false late payment to the credit agencies and now they refuse to remove it. Unfortunately, I do not have proof of the check or date of occurrence as it was 3-4 years. My bank just does not allow me to go that far back. 

As I recall, I made a monthly payment to XXXX XXXX XXXX and mailed the check to the address found at the back of the statement. For some strange reason they could not locate my check. They later identified that it was received by another department. When the payment was finally transferred to the correct department, it was processed into the system as being received that day. Even though it was paid and recieved prior to the due date. 

This payment has lowered my credit score significantly and hurt my chance of obtaining school loans. I tried disputing the incorrect information with the crediting reporting agency. However, comenity bank keeps declining, despite the fact that it was their fault the payment was late payment. Also, the company did not take into consideration my excellent payment history with them. They rather see good customers like me, credit, take a major hit. This is one of the reasons so many people are struggling is because credit card companies are quick to tarnish consumers credit, knowing that America runs on credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these hard inquiries or your agency is violating the FCRA 's block of information section, 15 USC 1681c-2 which states these referenced items must be deleted within XXXX business days of your receipt of my identity theft report, this is my second time submitting this report failure to remove these unauthorized inquiries could result in further action on my part to protect my credit and legal rights.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/XXXX violation of : 15 usc 1681 ( b ) - you do not have the right to report, unless you have authorization. 

15 usc 6802 ( a ) ( b ) - ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unles such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 16 cfr 313.1 ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to non affiliated third parties ; 16 cfr 313.7 - you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. 

THESE ( CFR ) LAWS TO PROTECT THE CONSUMER RIGHTS HAVE ALSO BEEN VIOLATED ; 16 cfr 313.2 16 cfr 433.3 16 cfr 433.2 ALL PARTIES FALL UNDER THE PRIVACY ACT OF 1974!
Product: Mortgage

In XX/XX/XXXX, Shellpoint Mortgage Servicing acquired my XXXX XXXX. I had never missed a payment to XXXX or any previous mortgage lenders. Shellpoint simply informed me by email of the acquisition, giving me no mortgage acct number. I tried repeatedly to phone them and was held on hold for 45-65 minutes, then the connection was always dropped. I also tried their website and only received a flashing " Can not Process '' when I attempted to pay XX/XX/XXXX mortgage. I then went online to my bank, XXXX XXXX XXXX and set up a Payment Payee for Shellpoint. The bank requires an account number for setting up a Payee. I had to fabricate one to get past their set-up procedure. I chose XXXX as a pseudo account number since I wasn't successful getting one from Shellpoint. I then paid XX/XX/XXXX mortgage thru my bank and then in XX/XX/XXXX I paid XX/XX/XXXX mortgage. I have banking records showing both payments to Shellpoint acct XXXX. In XXXX, I finally received an acct number by email, XXXX and called and paid the mortgage to that account. Much to my chagrin they informed me that I was in arrears for XX/XX/XXXX. and XX/XX/XXXX. and they had no record of acct XXXX. They would not help me except thru their online complaint processing. I submitted a complaint on XX/XX/XXXX and they have not helped me, implying it is a technical problem on my computer. I have no problems with any of my other more than 25 payees.

They have contacted my credit score companies, XXXX, etc. and my credit score has dropped drastically. This is devastating. I have attached my banking records
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Trans union all in violation of Family Privacy Act of 1974, 15 US Code 1666B - billing error. Theres no law stating any transaction needs to be reported. I want to ask them about privacy and consent? 15USC1681 ( b ) States all ( 3 ) bureaus can't report anything on my credit report with out my written consent. Which I never gave. 15USC1681 ( c ) -1 Without written consent, It is identity theft. 15USC1681c-2 Once notified which they were they must remove from credit report. They've also been making a profit off of selling my information with out my consent. Violation of 15USC1611 inaccurate information. This is effecting my ability to live. Credit denials because of this information on all of the bureaus.
Product: Credit reporting or other personal consumer reports

By 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. 

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX  # REF : XXXX 15 U.S.C 1681 section 602A. 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 ) ( a ) 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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these item are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section XXXX and Section XXXX provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Since on or about XX/XX/2021, I have been trying to get this issue resolved with the AFFIRM company. They are a financing company. I used them to finance a 65 ' TV that was purchased from XXXX ( Not in the store ). The tv was purchased in XXXX XXXX. Unfortunately, I was in a major car wreck that almost took my life! Due to my recovery time and still attempting to recuperate from my car wreck, I was not able to unbox the tv until XXXX XXXX.At that time I discovered that the tv was broken! I called XXXX several days throughout the month and was repeatedly placed on hold for exuberant amounts of time 20 minutes and longer. At the same time, usually on the same day, I would contact Affirm to advise them of the situation concerning the broken tv.. Each time I would speak to someone in Customer Service XXXX XXXX they acted like they understood what I was talking about and then they would tell me what they " thought '' I said and it was not correct! I would call repeatedly and the same situation would occur. I was told by XXXX CSR that I would need to get a refund from Affirm and they the Affirm CSR would say I need to get a refund from XXXX. Affirm has been attempting to collect payment from me for a tv I received that was broken, yet due to the continual problems that I have experienced, I did not make the payments. For the past 3 months, Affirm has been sending me emails advising me to submit proof of purchase, proof of broken tv, etc. I submitted the requested information and they still continued to send these emails. Now they have CHARGED OFF the balance {$320.00}. This has severely effected my credit. I am unable to purchase a vehicle because of this erroneous situation that they are reporting. Even though they have charged off the account I am STILL getting HARASSED with emails from Affirm! Now, I am being harassed via email and text message from XXXX XXXX, I think that is the collection agency that purchased the account. This is absolutely ridiculous! Affirm is the worst finance company I have ever worked with. I need this situation resolved immediately! I need my credit corrected of all late payments and charge offs. I need to be fully refunded all of the money that I paid ( Totaling : {$250.00} )!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$750.00} from XXXX XXXX original creditor XXXX  XXXX XXXX. ( Please see pages attached from XXXX XXXX. ) This account does NOT belong to me. I do not now, nor have I in the past, had an account with XXXX. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection is being reported from another State. This false reporting of a collection, on an account that isnt mine, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX  XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX  within the state of Maine as I was XXXX  and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years
Product: Debt collection

I checked my credit report and saw a collection from : ( Creditor Information : CARTER-YOUNG, INC/ADV ). // * ( Original Creditor Name : XXXX XXXX XXXX ) * ( Balance : {$1300.00} ) I do not have contract with this company, and these clowns are trying to make me pay for a Debt I don't owe
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, I am a potential/likely victim of their lack of security regarding my personal information. I am now at a higher risk of identity theft and fraud. I should have been notified months ago regarding this breach. It has been handled poorly be the executive team at Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to allow inaccurate information to remain on my credit profile from the data furnisher. Transunion reports this account as a closed charge-off while XXXX reports the information correctly as Paid in Full. Furthermore, if the account was indeed a closed charge/collection as they report, a balance of XXXX should not be listed, this affects my debt-to income ratio. Even the XXXX XXXX reports a history of all on time payments. Account has been re-aged from XX/XX/XXXX to XX/XX/XXXX without cause. This has restarted the statute of limitations. Date of Last payment reported on Transunion and XXXX also differs by 7 months. Transunion is not allowing me to dispute this inaccurate information due to an existing dispute. It is my right to challenge anything on my report that is not 100 % accurate and consistent. Transunion needs to remove this inaccurate reporting from my credit profile immediately. Finance agencies have viewed my Transunion profile and denied me new credit because of this.
Product: Debt collection

I am not liable for this debt with XXXX ** PROP CASUALTY CO. I do not have a contract with The CCS Companies, and they did not provide the original contract as requested. This violates the FDCPA and the Fair Credit Reporting Act.
Product: Student loan

In early XXXX, we reviewed lenders for a student loan refinancing. At that time, we spoke to a Sofi customer service agent who brought to our attention that Sofi offers competitive rate matching and did not include any caveats - just that you need the offer from the competitive bank and can submit for Sofi to match. 

On XX/XX/XXXX, we decided we'd like to move forward with Sofi, but their offer was 36 bps higher than the best competitive offer. Again, I spoke to a Sofi customer service agent, this time on their chat service, and he confirmed they offered rate match. He even walked me through the process of where to upload the competitive offer document. At NO point, did either agent state that Sofi still had to review the rate and evaluate IF they would mate. Just that they matched. 

Based on the agent 's information, we decided to place our formal application with Sofi and included a hard pull on my husband 's bureau, impacting his credit score. 

After the submission, we were told that Sofi would not honor the competitive rate as a new policy launched in early XXXX no longer allowed them to go below their lowest offered rate. This meant that they in fact did not rate match in our situation. 

I proceeded to call in and explain how this was misleading marketing and at no point, did the service agent explain this. In fact, they lead me to believe the competitor rate would be honored no problem. This feels 100 % as a bait & switch and predatory lending. 

If we had been told the company 's actual policy, we would not have submitted an application with Sofi and all would be ok. Instead, the company will not honor our conversation with their agents and after further review, has turned down our rate match. 

This is exactly what I believe the CFPB is here to help consumers with since they companies are more powerful than an individual person and I have no leverage to hold them accountable for this misleading practice.
Product: Payday loan, title loan, personal loan, or advance loan

This was a old debt that was sold to a company I didn't sign papers with. They have no proof of my signature.
Product: Credit reporting or other personal consumer reports

NO PROOF OF INVESTIGATION ON XX/XX/year> EXPERIAN RESPONSE WAS VERIFIED FOR ACCOUNTS : FIRST PREMIER XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE XXXX DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES. 

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1.

Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the
opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. 
AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE XXXX AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED? 
PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
Product: Credit reporting or other personal consumer reports

I do not condone the use of other peoples addresses, names and phone numbers for personal monetary gain. XXXX, Transunion, and XXXX are committing serious privacy violations against the people who have these addresses, names, and phone numbers. XXXX, Transunion, and XXXX must be fair and impartial and make sure my non-public personal information is accurate and other peoples nonpublic personal information is removed by correcting consumer reports and consumer files. 

REMOVE ALL NONMAILABLE ADDRESSES ( 39 USC 3001 ). 

I ONLY HAVE ONE ADDRESS. REMOVE INACCURATE ADDRESSES THAT BELONG TO OTHER PEOPLE. 

I ONLY HAVE ONE NAME. REMOVE INACCURATE NAMES : I ONLY HAVE ONE PHONE NUMBER. REMOVE INACCURATE PHONE NUMBERS I ONLY HAVE ONE EMAIL ADDRESS. REMOVE INACCURATE EMAIL ADDRESSES :
Product: Checking or savings account

On XX/XX/XXXX my daughters SSI check got deposited into the local branch US bank account and my account was in the process of being closed due to it being a freeze on it because of fraud so no funds can go in and no funds can go out US Bank cashed my daughters check and I have a outstanding balance of {$900.00} that should be all to me but US Bank is actively holding the funds. It has been 30 days now and I have not gotten through to anyone I reached out to social media to take a stand on trying to get my son so that I can pay my rent. Im currently 30 days back now due to not able to get my funds. I have also reached out to the local branch manager, the fraud department, and online banking, I have not gotten through to anyone that could give me any type of financial help. I am now assessing fees in late payments when my rent. I am now 30 days back on my rent and it is a crewing up to now {$1000.00}. My rent is XXXX dollars.
Product: Debt collection

I was at work when my co-worker called me into his office to hand me his phone. It was a woman from Navient asking my coworker about me. I took the phone from him and she came off screaming at me telling me that if I do n't pay my student loan I will go to jail and that I owed {$26000.00} I need to payment I do n't have any more time to pay I took all the time I need already. I was so embarrass that I gave her my phone number to call back so I talk to her outside my job. When I spoke to her she was nasty phone after work she told me I need to pay or she will garnish my pay and I need to give a check today for {$6000.00} and she will see what she can do after that. I was so scared I call and got transfer over to Navient letting me believed it was real. I call XXXX because I did not believe that my loan was with this company Navient. She told me I need to go borrowed from my husband, parents, friends and my employer to pay the loan back. I ask if I can me an agreement to send {$1500.00} first and then send payments of {$500.00} each for several months I went on my XXXX XXXX account I never saw the payment posted to my account and that put me in even more trouble owing more.. I called XXXX again and each time I got Navient. This women also had my mom 's phone number and call me mother to get payment from her.