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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX 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: Credit card or prepaid card

My credit cards was charged for more than {$8000.00} transaction from XXXX " XXXX '' website and that is fraud. I do not purchase anything from XXXX. I contacted the chase immediately and report the fraud to them. However, two weeks later, chase still charges me {$8000.00} for the purchase from XXXX. That is ridiculous as I do not purchase anything.
Product: Debt collection

I have a debt collector on my credit report representing Capital One. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent account on my credit report. This unauthorized account was added without my knowledge or consent and requires immediate resolution. 

ACCOUNXXXX XXXX XXXX XXXX XXXXXXXX An official identity theft report has been filed with the Federal Trade Commission XXXX FTC ), and I am requesting the prompt removal of this fraudulent account to ensure the accuracy and integrity of my credit report.
Product: Bank account or service

XXXX   I opened a money market savings acct. No service fees with a small interest payment per month. The last statement I received from Key Bank was   XXXX   XXXX   Key Bank made the account dormant since there was n't activity, they stopped sending statements,  Key  Bank did not issue me  XXXX   XXXX  statements for the income. I found my check book and created a login to find out what happened to the account. It was still active and  Key  Bank started charging the account a {$18.00} monthly maintenance charge. I went to Key Bank   XXXX   XXXX   XXXX   XXXX   XXXX  , OH today (  X/XX/XX  ) and asked for a refund from  XXXX   XXXX . He was annoyed he had to talk to me since it was almost closing time and he was " busy '' he said he still had  XXXX  calls before he could help me. I waited. He was upset that the number was so old and he did n't recognize it. He has worked there over 20 years.   XXXX   would not refund my money and said it was part of the original paperwork I signed when I opened the account. The fee was n't charged for 5 years.  Key Bank  never sent me updated terms on the account, monthly statements for the account or the  XXXX  forms for tax purposes. They withdrew a total of {$660.00} that was unauthorized. I feel Key Bank was hiding the account, it had {$3200.00} in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to see apply for a loan to purchase a home for my family and my mom. My banker told me that I did not qualify because of my credit. She gave me a copy of my report and I also went a pulled it myself and there are items on my credit that are not mine. Please remove from my credit XXXX XXXX. XXXX XXXX XXXX XXXX  system. XXXX. Ere. XXXX. XXXX XXXXt and XXXX XXXX. I have contacted the FTC and my local police. Im doing this on my own behalf.
Product: Checking or savings account

I made a check deposit for a little over XXXX into one of my checking accounts at Bank of America on XX/XX/21. Before signing the check I asked both the teller and the bank manager to tell me how long of a hold would be put on this deposit. I understand it takes a few days to clear at most! They said it would be a few days but wouldnt know until i deposit it. So I did deposit it and I was given a printed ticked with the split hold release dates and times. XXXX on XX/XX/21 @ XXXX and XXXX on XX/XX/21 @ XXXX. I called the bank that the check was drawn from. ( Which is a family trust THAT MY NAME IS ON by the way, not to mention relatives that have worked at this branch ) and verified the check has been cleared and money has left the account. Next I called B.O.A customer service where XXXX from Montana told me that its because the original bank wont release the fund so they had to extend it. It will be in my account a week from tomorrow. There is nothing they can do and its not BOAs fault. Well the teller and manager at the depositing branch lied, the Notice of Hold I received with my deposit lied and Customer Service phone agent lied. I will be contacting XXXX next and then my Lawyer. This has to be illegal. I was scheduled to put a deposit on a new home today which is why I asked the bank manager when my deposit will clear. The homeowner wont wait so I lost the house to the next offer who had deposit in hand. I hope your happy BOA!!
Product: Credit card

Elan Financial Services began servicing a current Fidelity credit card that I own. During the transition, Elan turned off my automatic payment status which was in place with Fidelity. Because of that, my payment was not processed for one month. Elan failed to notify me of this either by phone, email or mail and my status became 30 days late. Elan acknowledged that they erroneously turned off my auto pay and agreed to remove my 30-day late status with the XXXX credit reporting agencies, XXXX, XXXX and XXXX. I have called Elan repeatedly and have asked that they update my status from late to current with the credit reporting agencies and they have not yet done so. I have asked for a letter confirming the removal of the late status so that I can remove this " late '' status from the XXXX reporting agencies myself and they have refused to provide one. I have tried to dispute my negative status with the XXXX agencies but Elan has yet to update my status from " late '' to " current, '' therefore my late status will continue to be reported as such. Unless Elan update my status from late to current with the XXXX reporting agencies, my negative status will remain in place. This error had caused me to be declined for credit cards and banking institutions.
Product: Credit reporting or other personal consumer reports

Please remove unauthorized/fraudulent credit inquiries from Experian credit report. 

XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Mortgage

On XX/XX/2021 I spoke with senior loan processor XXXX XXXX about what was still needed to finish the approval of a home equity loan. At this time I was told all I needed was a copy of a stimulus check that was deposited into my checking account in XXXX. I told XXXX it would be a few days since my bank would only mail me a copy. At this point I asked Ms. XXXX what the chances of approval looked like and she said 98 % that this was happening and to look for a 2nd week of XXXX for closing. Two days later, I received an email from XXXX informing me that they could not approve the loan. I feel I was misled and lied to by Ms. XXXX concerning my approval. In a separate email, she apologized and said she felt horrible for how this happened. I can provide emails if needed.
Product: Mortgage

On XX/XX/XXXX, we sold a property and my title company wired the loan payoff funds in the amount of {$200000.00} to my mortgage company on that very day. The loan was not credited until 20 days later, on XX/XX/XXXX by XXXX XXXX XXXX. As a result, my mortgage company is currently reporting my loan as delinquent for the month of XX/XX/XXXX, even though it was paid in full. I have disputed this with my mortgage company and they are blaming their bank, XXXX XXXX for the delay in processing. I have spoken with my Title Company and they provided me with the proof of wire and transaction that shows the money was wired to my lender on XX/XX/XXXX. They also confirmed with their bank, XXXX, that the funds were wired. XXXX XXXX refuses to run a trace on the funds in order for us to determine why there was a 20 day delay in processing the payoff. In the meantime, my credit has been ruined because of the 30-day late currently being reported by my lender. I am a XXXX XXXX XXXX and having a blemish on my credit report because of another agency 's negligence is very unfair and can prevent me from being able to secure funding in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint under 15 USC 1681 regarding my credit report. As a natural person and a living human being, I have certain rights that are protected under this law and the Fair Credit Reporting Act. Unfortunately, the consumer reporting agencies have violated my rights several times, and I am requesting that the following accounts be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXCHILDSUPT- XXXX These accounts have been included on my credit report without my permission, which is a violation of 15 U.S.C 1681 section 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. Finally, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making any consumer report that contains adverse information other than records of convictions of crimes that predate the report by more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the inclusion of the aforementioned accounts on my credit report is inaccurate, and I am requesting that they be removed immediately. 

I would also like to bring to your attention two fraudulent inquiries that were made on my credit report without my authorization : XXXX XXXX XX/XX/2021 Experian XXXX XX/XX/2021 XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they had a permissible purpose to make them. Therefore, I request that these inquiries be removed from my credit report as well. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Information that is being reflected from this company is inaccurate. I was in Forbearance and the Federal Loss Mitigation under the Federal Housing Administration. The Law states that during this process that credit reports are not to be changed during this process
Product: Debt collection

per XXXX XXXX website, they remove after 2 years from credit report. per XXXX, account is closed please remove from all three reports. XXXX XXXX  was charged {>= $1,000,000} by 42 states in XX/XX/2018 for bad practices. statue of limitations has passed. XXXX XXXX & the company they bought the debt ( one main financial ), must remove
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have no knowledge of this account
Product: Credit card

BESTBUY Citi Credit Card - XXXX XXXX - have overpaid {$820.00} - was able to get a refund for {$61.00} - but was not able to get refund for {$760.00} - XXXX Contacted BestBuy - received one check for {$61.00} and deposited to XXXX on XX/XX/XXXX - called and send message to BestBuy on XX/XX/XXXX, about the {$760.00} that they should refund however never received refund that they promised - Citi bank promised again to send another check on XX/XX/XXXX check would arrive in 7 business days on XX/XX/XXXX - XXXX Best Buy call - using website : Recent activity show that {$760.00} was refunded on XXXX and then paid somewhere on XXXX, but i have never received a check - on the call they have issues CREDIT BALANCE REFUND XXXX XXXX XXXX {$760.00} - called XXXX - XXXX is helped me, she have reviewed last transaction and confirmed that it was a check that was issued in my name and sent to me. then adjusted amount were put back on the card - XXXX Received check - for {$760.00} - XX/XX/XXXX XXXX XXXX {$760.00} ONLINE DEPOSIT : REF # XXXX {$760.00} Post Date : XX/XX/XXXX Type : DEPOSIT - XXXX XXXX returned money to Citi because of spot payment ( refuse to pay a check ) MISCELLANEOUS DEBIT RL-RETURNED DEPOSIT RETURNED DEPOSITED CHECK # XXXX {$760.00} - STOP PAYMENT - XXXX - contacted best buy again XXXX was helping me- I explained situation - she helped me to get another refund of {$760.00} and would send another check back to me again - expected to receive check in about 7-10 days, so sometime after XX/XX/XXXX - XXXX XX/XX/XXXX - best buy sent me physical mail with a copy of that check saying they closed this issue!!! they stopped payment an I got no refund!!! 

- XXXX XX/XX/XXXX - called XXXX ( XXXX ) and they told me to use my statement to prove that they have bounced that check
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

MAILED ( CERTIFIED ) VERIFICATION LETTERS FOR COLLECTION ACCOUNTS TO ( EXPERIAN / XXXX / XXXX ) ON XX/XX/year> MAILED ( CERTIFIED ) CREDIT REPORT HIGHLIGHTING INACCURACIES TO ( EXPERIAN / XXXX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX PROOF OF PAID ACCOUNT TO ( EXPERIAN / XXXX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX XXXX PROOF OF PAID ACCOUNT TO ( EXPERIAN / XXXX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> )
Product: Debt collection

Inaccurate Account Information** : The report inaccurately lists an account with XXXX XXXX XXXX XXXX being XXXX days late with a balance of {$6900.00}. However, there is no detailed payment history provided, making it challenging to verify the accuracy of this information. 

3. XXXX Account Error** : The report indicates a debt in collections with XXXX XXXX XXXX XXXX XXXX XXXX collection account and a balance of {$190.00}. I have no record of this debt in collections, and I request further investigation into its validity. 

4. **Incorrect Inquiry Listings** : The report lists inquiries from Revved Motor and XXXX XXXX as hard inquiries on XXXX, but I have not authorized these inquiries. Additionally, there are discrepancies in the reporting of inquiries between the three bureaus. 

I request a thorough investigation into these discrepancies and inaccuracies, and I ask that any erroneous information be promptly corrected or removed from my credit report. Enclosed with this letter are copies of supporting documents, including proof of address and any relevant correspondence.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under XXXX  SUNBIT and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXX the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to inform you about a concerning matter regarding the loan associated with a XXXX XXXX XXXX. After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2023, I worked with XXXX XXXX to install Solar Panels at my home. They had referred me to Mosaic for lending, which was an easy experience. After installation of my Solar System, I had noticed two issues : Issue 1 : I had sent an Online Bill Pay from my consumer Bank, which had estimated delivery on the due date. After receiving calls every 2-hours from Debt Collection Agencies and the company directly, I had noticed on their website, requiring me to pay " 10 days in advance '' to make sure they had enough time to process the payment. After obtaining, 9-10 calls per day from blocked/unknown callers ( and emails ) I had seen them post/backdate my payment to XX/XX/XXXX. The last email was received XXXX ( I had blocked the phone numbers due to harassing phone calls ). When reviewing the website and agreement, there are no fees and not considered late until 15 days after my due date. This is extreme debt collection practices. 

Issue 2 : When explained by the lender that this would be a traditional installment loan with interest accruing through the advance process, to the payment process. I had noticed my first XXXX payments did not go to impact principle but 100 % towards interest. When reviewing my loan contract, there is a singular line that allows them to process payments at their sole discretion. This is one statement embedded in the document that I feel is extremely deceptive when being sold a " traditional installment loan ''. There is no accounting or delineation of interest accrued during the " deferred payment '' portion. By not applying or giving me an accounting of the accrued interest, I feel that they are unreasonably increasing my debt and interest payments to their sole benefit. Between their sales lending agent and their referring business - I was not given full disclosure of the loan terms that have now materially changed on my Truth in Lending that was given to me.

" b. Payment Application. Payments will be allocated in our discretion, subject to applicable law, including to any fees or costs or expenses payable to us under this Agreement or that we incur related to enforcement of this Agreement as further described in Section 10 ( Remedies ) below. To the extent permitted by law, we reserve the right to report to consumer reporting agencies any delinquent payments under this Agreement that are not paid within thirty ( 30 ) days of the applicable due date. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with US DEPT ED, USDOEXXXX, and TEK COLLECT ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, US DEPT ED, USDOEXXXX, and TEK COLLECT ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit card

Around XXXX of 2024, I got a charge on my USAA credit card for about {$21.00}. 
I told USAA that it was fraud. I never made the charge. 
Around XXXX of 2024, USAA said that they had investigated and that they had decided that I had to pay the charge. USAA sent me a document from XXXX that said I had purchased something. 
I told USAA that XXXX did not have a physical signature, nor a digital signature, nor a PIN ( Personal Identification Number ), nor the 3 digit code on the back on my credit card. I told USAA that I did not receive anything from XXXX. 
USAA told me that XXXX doesn't need a signature, PIN, or 3 digit code. 
All they need is my name, address, and phone number. And that it doesn't matter that I didn't use the service, as it was available to me. I told USAA that that was ridiculous because my name, address, and phone number are all public information, available on any job site on my resume. 
I looked at the document from XXXX and I wrote back to USAA telling them that the XXXX document does not have my phone number, because I never bought anything from XXXX. And I told them, how was I supposed to use a service that I did not know about? 
USAA ( a guy named XXXX ) called me, admitted that the XXXX document does not have my phone number, but then said they don't need my phone number, all they need is my name, address, and email address. 
I checked the XXXX document and noticed that the email address is not the email address that I use for financial transactions. It is a public email address that I use for correspondence. 
USAA is demanding that I pay. They are charging interest. And they have turned the debt over to a collection agency. 
I never made the purchase.