23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PERMISION WAS NEVER GIVEN I am writing to bring to your attention discrepancies in my credit report that I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. 
Upon reviewing my credit report, I have identified instances that appear to be in contravention of the following FCRA sections : 1. 15 U.S.C. 1681, Section 602 : This section emphasizes my right to privacy and ensures that the information reported accurately reflects my credit history. 
2. 15 U.S.C. 1681, Section 604a, Section 2 : According to this section, a consumer reporting agency can not furnish an account without my explicit written instructions. 
3. 15 U.S.C. 1666b : This section stipulates that a creditor may not treat a payment on a credit card account as late for any purpose. 
Given the violations outlined above, I hereby request a thorough investigation into the inaccurate information reported in my credit file. I urge you to take immediate action to correct these discrepancies, as they adversely impact my credit standing and infringe upon my rights under the FCRA. 
*** I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** The following accounts are in violation : and have no permission to report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I bought the car and got the loan in XX/XX/year>. Since then I have been trying to get access to my online loan account to manage the loan. For over a year I am getting runaround from Audi Financial and no fix to access and manage my loan online.
Product: Checking or savings account

I worked for XXXX XXXX XXXX ( XXXX ) as an intern in the summer of 2005. Without my knowledge, a 401 ( k ) account was created at Wells Fargo ( through XXXX ) during that time. The account has never had any funds or money in it - balance has always been {$0.00}.

Over the past year, I have called Wells Fargo at least four times trying to close this account. They refuse, stating that even though the account is in my name, that it belongs to XXXX and only they can close it. 

I have been in contact with HR at XXXX, who have been unable to close the account by working with Wells Fargo either. 

I have attached a recent letter from Wells Fargo showing an address change on the account. I can't even access the account number on Wells Fargo 's website, because the account has no historical statements since no money has ever been in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 negative accounts. on my credit report. One is USAA Savings Bank. Credit account amount for The XXXX XXXX XXXX XXXX. It was opened on XX/XX/XXXX to XXXX XXXX The balance is XXXX as of XX/XX/XXXX. It still shows open. I believe someone opened this account using my information In XXXX of XXXX. To open card because I never used this card. Please remove from my credit report. The other one is XXXX bank opened up XXXX of XXXX. The account number is XXXX ... .Closed on XXXX of XXXX It is showing Paid/closed on the report. The account number is It still shows open. Please remove this account from my report. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

9. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

10. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

14. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

15. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

16. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

17. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

18. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

19. Identity Theft WESTLAKE PM Account Number : 1135**** This is not mine.

20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

21. Identity Theft Account Number : XXXX  This is not mine.

22. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

23. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

24. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

25. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

26. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

27. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

28. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

29. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.
Product: Vehicle loan or lease

I made a payment in XX/XX/XXXX in the amount of {$2800.00}. This lump sum payment was applied by Ally to cover my car payment until XX/XX/XXXX. I also applied for their covid relief deferred payment program after I was furloughed from my job. As a result, the due date for my next car payment was extended to XX/XX/XXXX. 

In XX/XX/XXXX, Ally placed a fee on my account for {$16.00}. On my online account, it says this payment was due on XX/XX/XXXX. After it wasn't paid, a {$15.00} late payment was added. I have contacted Ally 3 times since XXXX to have this corrected and removed. Each time, I was told that this error would be corrected. 

This incorrect missed payment of {$16.00} was reported and lowered my credit score. I paid my car payment up until XX/XX/XXXX. None of the representatives can explain why this {$16.00} payment was added to my account in XXXX and it is still showing on my account as a past due payment. My next car payment is due on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( U.S. BANKRUPTCY COURT - XXXX ). Because the account name being reported by your company and XXXX are different ( XXXX XXXX XXXX XXXXXXXX XXXX )., this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last month to Mariner Finance regarding a charged off account that is reporting on my credit report. The account has been paid, and I originally had an agreement to remove this account once paid. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because I was never sent a 1099c for this charge off and the data furnished is inconsistent between all 3 credit bureaus. My credit report will show different payment history which means that this account is not in compliance. The IRS directed me to file form 3949a for illegal tax violations upon your company. There are many FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.
Product: Debt collection

On XX/XX/XXXX virtiouso sourcing called me about a debt they believe i owed to XXXX XXXX from my last apartment complex in XX/XX/year>. However im disputing it because i called and closed that account in XXXX of 2022 when i left and got into my current lease in XXXX XXXX 2022. So i asked for a supervisor. They got me one we spoke and they agreed to provide service dates they said they would get those and email them over to me. I got no email they continued to call me every day. I answered several days later at work and asked them to send the email we talked about they sent me a one page email statement of balance with no service dates. I told them i work two jobs i cant do the investigation for them. And then today they called me insulted me saying i was at fault and this was the last attempt to collect before it goes on my credit report i told them no dont you say its my fault you need to apologize they refused so i said XXXX you and hung up.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

My mortgage originated with XXXX which was taen over by Wachovia. I got a refinance loan from Wachovia. When Wachovia was taken over by Wells Fargo thid loan dissappeared. I called the bank day in day out looking for information about this loan. They could give me no information what so ever. I wanted to increase the payments in order to pay it off before I retired. All the secure emails relating to this problem were deleted, hence no evidence of my correspondence. I even sought my sister 's help as she lives in New York and could communicate more easily with the bank. Still no joy. i can honestly say I spent 4 years trying to get to the bottom of it. Then suddenly about a year and a half ago it appeared online with my checking account and mortgage details. Since the revelations about the ban I have gotten in touch with them again and have been told my account details have been forwarded for further scrutiny. It has not been resolved yet. I also transfer money internationally on a monthly basis and have been charged double for these transactions for ages. I complained about this last year and was once again fobbed, I would be most grateful if you could look into this for me as i am struggling to get this loan paid off and was unable to get payments increased before, so I feel it 's the bank 's fault that I am now left with this debt. Where did this loan disappear to for so long? I feel I am paying loan shark rates.
Product: Bank account or service

I would like to add to my complaint ( case number XXXX } about State Farm Bank. In all the confusion about switching from electronic deposits of interest from cd accounts to paper checks they have not sent 2 of my deposits that were due XX/XX/2016 and XX/XX/2016 in any form, paper or electronic.After many calls to them and getting excuses like someone keyed in the wrong dates and now the checks are in the mail NOTHING has gotten here.If the shoe was on the other foot, I would be getting a late fee which I can not give them.I want the 2 deposits NOW.They have said that they will go back to electronic deposits in XXXX That will be a big help.They should have never breached our contracts in the first place
Product: Vehicle loan or lease

I was victim of identity theft as a result of being homeless and did not have a physical address in XXXX. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. That account was never late and was paid in full a the ned of the loan. The Huntington Bank keeps on reporting this account late and it's frustrating as I've been transferred five times when i contact customer care and none seems to have a solution. This loan have been paid in full and closed since XX/XX/XXXX. I don't know what else to do so I am finally coming to you guys for some guidance please. I also wrote to the credit bureaus and still have not receive any correspondence.
Product: Checking or savings account

The following transactions were on my checking account and total the amount of {$2500.00}. Huntington will not provide me with any information regarding the fraud departments findings after many phone calls I have made to them. They continue to tell me the info will be mailed to me and I yet to receive anything. They claim I did approve the first 90 days of payments, but will not provide me any information on how this was proven in their investigation. They will not help me determine what happened with the rest of my money or how to get it back. These are all withdraws from a company called XXXX XXXX XXXX. I called XXXX XXXX XXXX and they have confirmed with me I don't have any type of account with them. 
XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22 XXXX
Product: Checking or savings account

Close my checking account without any information why and the opportunity to correct the problem. 
Call center, branch costumer service, and any other personnel that I got in touch with in the phone say the reason why my account was closed is confidential and the company have the right not to disclosed this information with me. 

I have a Bankruptcy file two years ago and after almost the same amount of time they close my account and the letter they send me is informing me different things that my account was closed because a previous closed account with the bank. Either they lying or they don't even know why they close my account.
Product: Mortgage

Navy Federal Credit Union continues to block my capability to make an electronic mortgage payment online since XX/XX/2021. 

Meanwhile, Navy Federal Credit Union continues to assess Mortgage Payment Late Fees against me. 

NFCU was previously the subject of a class-action lawsuit for denying access to members ' accounts when mortgage payments were past-due. In NFCUs previous practice, they blocked all transaction except payment TO a mortgage account. NFCU 's present practice is worse : NFCU is ONLY preventing transaction to a mortgage account. 

This is an unfair practice : Preventing members from making payments while NFCU continues to assess late fees. Eventually... Foreclosure?! 

LET ME MAKE ELECTRONIC PAYMENT TO MY MORTGAGE ONLINE. 

Additionally, Navy Federal 's " secure '' messaging application only works one way : from NFCU to members. This functionality has been broken for more than a year.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
I demand the following accounts be properly verified or removed immediately : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights.

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. 

Trans Union Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Trans Union Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Trans Union Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated 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. 

The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from XXXX, XXXX, and Trans Union shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and XXXX, XXXX, and Trans Union has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until 2028 ( 10 years ). 

The President of The United States, Joe Biden, also announced student-loan relief for borrowers.
Product: Checking or savings account

I am submitting this complaint because the account I requested an opening for was not properly managed, and I have lost thousands of dollars of interest I would have gained on my investment if the account opening were managed properly. This was a case where a ) my account type opening was not honored, b ) the upsale of the financial product that I was sold was not clearly indicated, and c ) the bank representative clearly took advantage of the fact that I could not speak perfect English despite understanding how financial products work. My daughter is writing this complaint for me on my behalf to relay the problem in clear English. 

In XX/XX/year>, I went to a Bank of America branch to open a Money Market account. The bank branch representative indicated that a XXXX XXXX account would yield approximately 5 % in returns on my initial deposit. As a result, I opened the XXXX XXXX account and made the minimum initial deposit requirement for this account. Afterward, I had gone on vacation for approximately 5 months. Upon my return, I saw that I did not receive the monthly returns that I should have received on my deposit. 

When I called and visited the branch numerous times to get this resolved with the representative, they told me that this was a Cash Management account that required the transaction to be done myself. This information was not provided properly, and when I requested that the interest on my deposited balance be retroactively applied, the bank indicated that they would not be able to do so. If the representative had just opened a Money Market account as I'd requested, I would have been able to receive the interest on my deposit. 

This is clearly a case of not entirely ethical practices that the representative engaged. He clearly took advantage of the fact that I do not speak perfect English and sold me a product that required additional steps that were written in tiny print on the account documents. While this may not be entirely illegal, it is obviously the equivalent of trying to XXXX an old man of his money, as I am a senior citizen as well.
Product: Credit reporting or other personal consumer reports

I am filling this complaint to JPMCB AUTO for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and the representative told me that they are already deleted from my credit report but I still see them, it's adding unnecessary stress in my life.