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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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: Checking or savings account

Claim ID : XXXX and Claim ID : XXXX. My account is overdrafted because Bank of America has been super slow in investigating my original CFPB case. My agent calls me at the most inconvenient time, and when I try to call during his work hours, I get sent to voicemail. My agent 's name and contact is XXXX XXXX, Officer ; Resolution Specialist, Regulatory Complaint Operations, Bank of America, XXXX Extension : XXXX, Case number : XXXX XXXX. It has been months. Bank of America did not do a full investigation into my 2 claim ID fraud cases above, their system just took my money and overdrafted the rest, they did not even bother to ask the merchant for a refund, Bank of America has handled this situation unseriously, I will go public on my XXXX  with a following of XXXX XXXX if I don't get this issue solved in 15 days. I want my entire money back or I will also sue. I want the {$4400.00} and the {$420.00} back into my account with an apology.
Product: Credit reporting or other personal consumer reports

I called XXXX  and equifax approx 2 months ago regarding 2 accounts for student loan which are in collections. I notices years of data ( XXXX ) missing and reporting as no data found. Recently checked again to see the account balance updated and balance changed. There was no proof of verification, correction/ addition of missing data. And credit score dropped XXXX points. This a blatant violation of fair credit reporting act. 16us code 1692 g. Ironically, they both have the same exact reporting- misrepresentation on each account so I've attached only one set of pictures from equifax website
Product: Credit card or prepaid card

I made a payment to Continental Finance ( XXXX XXXX XXXX  ) on XX/XX/22 when I got my XXXX check and since I have had this card I have always made my payments to them every month but now they're harassing me for more by phoning, mail and email. I had to resign my job recently due to medical issues ( I worked XXXX XXXX XXXX XXXX  ). I send them what I can as my husband became XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and isn't able to work and has filed for XXXX so we're down to just my income which I receive XXXX every month. Sometimes I get my money early and when I do I send them their money. I have sent a written letter letting them know that I sent them a payment and that they're harassment is a violation of the fair credit practices act and for them to stop harassing me and that they will get their money when I get mine. Plus they're charging me outrageous fees and interest. I am doing the best I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$440.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; UTILITY SELF-REPORTED XXXX Balance : {$490.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; UXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was lost and it resulted in unarthorized opened accounts and charges damaging my report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a home equity line of credit ( HELOC ) with BECU. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that BECU never informed any of the three credit reporting agencies that the HELOC was closed.
Product: Mortgage

The reason I'm doing this claim is because Carrington Mortgage Services is asking me to continue paying a mortgage that was paid on full on XX/XX/XXXXXXXX XXXX XXXX XXXX 

Here is the summary ; The mortgage loan ( # XXXX ) was paid in full as part of a XXXX XXXX XXXX process of the property ( XXXX XXXX XXXX XXXX XXXX XXXX ), that was leaded and executed by XXXX XXXX XXXX XXXX XXXX XXXX the Cancelation Balance of the Mortgage occurred on XX/XX/XXXX of XXXX, at the XXXX XXXX XXXX of XXXX XXXX XXXX. The payment was made by the XXXX that was in charge of officializing the XXXX XXXX XXXX. Im including evidence of the payment transaction which was provided to me by the same XXXX, and who is still responsible for receiving the cancellation note of reference mortgage loan. For some reason, that process was not completed by XXXX XXXX XXXX XXXX. 
The payment to XXXX XXXX XXXX XXXX XXXX XXXX ) was for the amount of {$45000.00}, which was the same amount required by XXXX in their Cancellation Balance Letter that was sent to me requested on XX/XX/2022. The letter described a Cancellation Balance Amount of {$45000.00}, and that it was effective until XX/XX/2022. Im including evidence # XXXX of the XXXX Cancellation Balance Letter that establishes the total amount for the pre-payment of the mortgage loan. 
Please note that the payment was made through XXXX because the XXXX XXXX XXXX XXXX XXXX ( XXXX ) office in XXXX XXXX XXXX. didnt receive the payment in person because it was closed as part of the measures taken by XXXX XXXX response to the XXXXXXXX XXXX XXXXXXXX established an alternative process to make payments to them through XXXX, and that was the alternative taken by the XXXX representing the XXXX XXXX XXXX process leaded by XXXX XXXX XXXX They were responsible of making that payment, which was done on time on XX/XX/XXXXXXXX XXXX XXXX and following specific instructions from XXXX. Im including evidence of a XXXX XXXX XXXX XXXX XXXX XXXX  ) that was of the front desk of XXXX XXXX XXXX XXXX, showing the specific instructions for mortgagors to make payments to XXXX  in any XXXX branch office in XXXX XXXX. 

I called Carrington XXXX XXXXXX/XX/2022, because I never received any answer to my last letter, and the person told me I have a balance on my account of {$4100.00}, but the strange thing is that I'm also receiving XXXX Mortgage Statements from Carrington, that said I need to pay {$1000.00} ( The last one was received on XX/XX/2022. ) with is very confusing. 

I'm including all the evidence I have since I wrote a letter to Carrington Mortgage Services asking to open an inquiry about my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 B a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I submitted a complaint # XXXX on RADIUS GLOBAL SOLUTIONS. They submitted their response in a pdf format which is unusable. I have included a screenshot proving that the link was not usable. I want to know why they refuse to provide a proper answer to why they accessed my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX .... Balance : XXXX ; XXXX  XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$550.00} ; XXXX XXXX XXXX .... Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. XXXX XXXX amount {$140.00}. 

XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. XXXX XXXX amount {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 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. 

XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX : XXXX, XXXX 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 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: Mortgage

The issue is this : payments I paid to Amerihome Mortgage Company in escrow to be used for payment of real estate taxes in XXXX are being wrongfully withheld by Amerihome since XX/XX/XXXX, and not used to pay the taxes. 

I have attempted to go through the proper channels and provide Amerihome Mortgage with all the proper documentation and contact information indicated to resolve Amerihome Mortgage not paying my XXXX property taxes in a timely manner. Having originally contacted them about this issue in early XX/XX/XXXX, and launching multiple phone and email inquiries from XX/XX/XXXX through XX/XX/XXXX, I feel I have no other recourse but to file this complaint with the CFPB. The original total due in XXXX, XXXX was {$8100.00}. Amerihome continued failure to pay resulted in added penalties and interest, so now as of XX/XX/XXXX the TOTAL DUE is {$11000.00}, with penalty and interest continuing to accrue. I am afraid that a tax lien will be filed, and my credit report will be damaged.
Product: Credit card or prepaid card

I don't think you can help me, but wanted this on record. Maybe it will help other victims. I've had several problems with my Citibank card getting hacked even though I rarely use the card ( it sits in a drawer as an " emergency '' card in case something happens to the card I use almost on a daily basis and never had issues with ). After not going online and looking at it for over six months, I noticed there was an unauthorized charge on the account for {$35.00} made in XXXX or XXXX. Citi has blocked my account, so I can't even access it now for the exact date. I called them in the beginning of XXXX when I logged on and told them it was a fraudulent charge. For six months, they kept charging me a late fee without notifying me. I never received a statement from them and didn't know about the charge until I went online to check my statement ( with plans on closing the card anyway ). They stated they would have someone contact me, but sent this charge to collections instead. Citibank needs to be investigated thoroughly. I don't have any problems with my other card that I use for online purchases, purchases in other countries while traveling and just daily use. The Citi card that sits in a drawer somehow has constant problems. I think someone inside the company is selling customer information. I have over XXXX credit, so this really won't affect me, but I know there are other people out there struggling because of the shady practices at Citi. Please help these poor victims who are suffering from the abuses of this criminal company. Thank you.
Product: Money transfer, virtual currency, or money service

My husband and I are victims of fraud/scamming. I have tried working with Venmo, and they are not helping. I sent funds through Venmo to someone that was supposedly helping with crypto stock payouts and then found out I had been scammed. I tried getting them to send my money back and of course they will not. I worked with my bank, and my bank did stop payment for the Venmo transfer, but now Venmo is telling me I owe them {$3000.00}. Although Venmo never asked for any documented proof I did send an abundant amount including proof the scammer has changed their name 3 times in the last 26 days. I am in need of help to retrieve my funds and have plenty of documentation to send with this claim. Venmo is threatening to send me to collections and I'd like this resolved before that can happen. This all happened on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent. As per section 605B of the fair credit reporting act this account, must be blocked and removed within 4 business days of the receipt of this notice. I have attached the FTC report, my ID, and my bank statement for proof of address.
Product: Debt collection

Agent XXXX XXXX stated that we owe {$2000.00} + dollars on a XXXX XXXX XXXX We don't have a XXXX XXXX card Remove the number they are calling from. XXXX
Product: Credit reporting or other personal consumer reports

In 2021, I lost my job due to the pandemic and faced significant financial hardship. Based on the provisions of the CARES Act, which allowed consumers to ask creditors for payment accommodations, I contacted a representative of SETOYOTA FIN DBA OF WOFC to request an extension to meet my payment obligations. However, despite this request and my compliance with the CARES Act, SETOYOTA FIN DBA OF WOFC reported the payment as late on my credit report.

It is important to note that under the CARES Act by covid-19, creditors are required to report accounts as " current '' if payment agreements have been reached between the consumer and the creditor, which was the case in my situation. Additionally, I have since paid the account in full and settled. 

Despite my repeated efforts to resolve this matter directly with SETOYOTA FIN DBA OF WOFC, they have refused to correct this negative report, which is currently damaging my credit score and limiting my ability to access credit, particularly for a mortgage loan.

I kindly request that the CFPB investigate this matter, as I believe SETOYOTA FIN DBA OF WOFC has failed to comply with the CARES ACT provisions and is unfairly damaging my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has an access on my credit report and it's ruining my credit while I was sick. I don't know who this could be
Product: Mortgage

A bona fide dispute letter was sent to Pennymac Loan Services on XX/XX/XXXX with no response from them regarding the issues. Payment was also made to them on XX/XX/XXXX which was never cashed by them. I also rescinded my signature on all mortgage documents but I am still being harrassed by them.
Product: Mortgage

chase bank is forcing me to purchase a {$150000.00} FLOOD POLICY DESPITE THE OUTSTANDING BALANCE IS {$120000.00} .and also taking money into a escrow account for flood policy that I have paid in full and supplied them with a fully paid up flood policy showing paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have a XXXX XXXX XXXX XXXX by XXXXXXXX XXXX and it has been reported to all three major bureau 's but for some reason it isn't showing up on my Experian report. I have called Experian numerous times to fix the situation each time a agent at the company tells me they will have a supervisor call me back, and I never receive a call back. I contacted XXXX and Experian to rectify the situation in XX/XX/XXXX and I have had the credit card since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT THESE ARE THE FRADULENT ACCOUNTS 1. XXXX XXXX XXXX XXXX. XXXX 2. XXXX XXXX XXXX XXXX. XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX. XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX. XXXX 8. XXXX XXXX. XXXX 9. XXXX XXXX XXXX  XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX
Product: Checking or savings account

I tried opening a savings account online and it failed with all three attempts simply because the system couldn't verify my identity online.

I decided to call in to get a resolution and was offered to open an account over the phone. At the latter part of the application process, I had to submit a driver 's license as ID. I told the personnel I have my passport and that was okay if I can provide a utility bill as supporting.

I submitted my passport and my Electric & Gas bill in both my name and my co-inhabitant 's name. Then I was told by this personnel which I believe her name was XXXX XXXX ( XXXX ) that it was forbidden to have two names on any utility bill according to BMO policies. 

I figured it could be a policy alright but a ridiculous one because there's the primary account holder ( which is XXXX, who actually pays the rent especially with the lease in her name ), and there's me the joint account holder ( who contributes with some household expenses like utilities ). 

Although both our names are on the utilities and subsequently any other utilities, BMO suggests I remove XXXXXXXX XXXX name ( the lessor ) as the primary account holder of our Electric & Gas bill and replace with my name then it will be considered by BMO as a valid utility bill or proof of address.

It sounded ignorant at first but she was serious on the phone and implied indirectly that all my accounts opened with my utility bill are beneath BMO 's standards.

I don't really understand what the problem really is unless BMO actually thinks this made-up policy will hold in any court.

I'm not walking into any branch of BMO until absolutely necessary and has nothing whatsoever to do with discrimination. 

So far, I have filed complaints against XXXX for claiming they don't accept passports immediately they saw my passport was issued in XXXX and XXXX for also claiming my name was in the wrong order with a consumer reporting agency and were both met with legal consequences until my accounts were opened. 

Today XX/XX/year>, its BMO and it claims all secondary names on all the utility bills in XXXX as simply bogus to them because only the primary names on any bill should be the applicant. In addition, I should rent or live alone before my utility bills will be considered valid. Other than that, the bills I have personally been paying my portion of for the past year with my co-inhabitant its simply nothing to BMO. 

The treatment from some of these XXXX Fraud Departments are simply the worse so far in my experience. 

I have attached a copy of my utility so BMO can officially disclose to me that The XXXX XXXX XXXX XXXX XXXX 's bills are not a valid proof of address when there's a second person on there.
Product: Credit reporting or other personal consumer reports

I am disputing the account ( XXXX ) listed below and have attached the original dispute letter sent over XXXX days ago. Despite my dispute, your agency claimed to verify this debt. However, it is clear no proper investigation occurred, as your automated systems responded within seconds. Under the FCRA, you are required to verify the accuracy and validity of the debt within XXXX  days. I contacted the creditor directly, and they failed to provide the original contract or validation of my obligation. I have certified mail receipts proving my efforts, yet no evidence has been provided to confirm this is my debt. If the account ( XXXX ) can not be verified, you are legally obligated to remove it. Continued reporting of inaccurate information violates the FCRA, and I am prepared to pursue legal action for actual damages and defamation. Disputed Item ( XXXX ) : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I demand the immediate deletion of this account from my credit file to avoid XXXX.
Product: Credit reporting or other personal consumer reports

I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT,, TRANSUNION FAILED TO SEND ME PROPER NOTICE OF THE REINSERTING BY LAW IM SUPPOSED TO BE NOTIFIED PER THE FCRA THIS IS. A VIOLATION OF MY RIGHTS PLEASE REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT