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

I have been a victim of identity theft. I have contacted Transunion and XXXX to disputed the inquires, from fraud. XXXX   concluded the same day I filed my complaint that the inquires were valid. This is not a true statement and how can they investigate so shortly. Transunion I have no luck with either. I reported this when I discovered the fraudulent inquires.
Product: Checking or savings account

Hello, I received a PPP deposit into my Chase Personal Checking account on Friday, XX/XX/XXXX. The following day I called the automated system because I was surprisingly locked out of my online banking and it stated that the deposit was returned. However, Ive called numerous times and agents are either giving me the run around and keep transferring me OR they tell me its still pending but refuse to confirm the information that the automated system provided. I then receive an email stating that my account will be closing and theres nothing that can be done. 

They denied me for a business checking therefore I continue to use my personal checking for business purposes. I am a legitimate business who is entitled to the PPPA SBA loan that I applied and was approved for. 

I need confirmation on if Chase Bank really sent the money back to the lending bank so I can deal with the lending bank directly. Im recently found out that this is happening to numerous people and Chase Bank is advising some that they will be keeping the funds for 2 years and then sending them directly back to SBA and not the lending bank. I need to know if the legal and true and why are only some customers being informed this?
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/22 and XX/XX/22. Please investigate and provide proof with bank statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time and never late as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} {$0.00} XXXX XXXX XXXX  {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My credit report has been in a data breach and I wanted everything removed from my credit report in 3 days under 605 b law
Product: Credit card or prepaid card

this corporation bank is mad e up of the most supreme huxters i have ever dealt with in my entire life! ( and im an ex paypal victim- and yes, they even have managed to exceed XXXX  in their levels of deceit and banking corruption! 

i have spent the last 4 or 6 months trying to get into my account online. 

and they refuse ... .. tp send me a copy of my statements from inception [ appros XX/XX/2020 up antil now ]. i have requested repeatedly they make me go thru all these fake hoops to order " all statements since account inception,. and they still... refuse to produce them! and lie that theyve been sent.

its impossible to access the online dash board they keep changing their url designation point/name they keep you on the fone for XXXXhours to reset your account to get back in. 

they lie about where the url site name is. 

and they refuse to take complaints what so ever to process them expeditiously or process them at all! 

i have called several times about that my card needs to be closed because all of the money is missing. 

and had they granted any of their clients on this mass account normal access i would have caught this LONG .... ago. but they purposely make sure that no one can access the accounts, so no one can move their money out. 

and furthermore related to the above issue they do not allow any one to add an external account. to also not let one be able to move their money easily out. the only bank on earth that bars their clients from adding and merging their other bank accounts. 

they dont even let you change your address when you move unless you contact a state dept. yet it says on the dashboard that XXXX clients can do this themselves according to their banking public displayed banking bi laws. 

on my last call to customer service i asked them to close my card and reverse all charges as the card was charged out of all of its funds but they said i needed to call a series of fone numbers. all of the fone numbers are bogus and fake. 

one of them is their alleged insurance company. 

when you reach this company number they say yes they are key banks insurance company but for their real estae division! 

and .... they told me this insurance hasnt been paid/ ofr 5 years now. 

and that they are deceptively sending all the nys dol claims calls to them, such that they get such an excess of intentionally misdirected fone calls funneled into them that they had to hire extra staff to man their real fone calls. i will furnish a copy of these bogus fone numbers in my next transmission to you. or ammend this later to add them. 

the name of this bank is key bank aka XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Cease and Desist Regarding Incorrect Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my account with XXXX XXXX XXXX XXXX. The auto loan associated with this account has been fully paid off ; however, your company has incorrectly reported late payments to the credit bureaus. This inaccurate reporting has negatively impacted my credit profile, and I am requesting that this matter be rectified immediately. 

Please be advised that I have reviewed my payment history, and the late payments currently reflected on my credit report are incorrect. As such, I request that you provide a detailed breakdown of the payments and any associated dates that you believe were late. Additionally, if you are unable to validate this information, I ask that you promptly remove these inaccurate late payments from my credit report and notify all relevant credit bureaus of the correction. 

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX ( a ), which requires furnishers of information to provide accurate information to consumer reporting agencies. Failure to correct these inaccuracies promptly may result in legal action to protect my rights. 

In light of this, and until this matter is resolved, I am also requesting that you cease all further collection efforts or communication related to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX ( c ), I am exercising my right to demand that you cease any further contact unless it is to inform me that further collection efforts are being terminated or to provide information regarding specific legal remedies your company intends to pursue. 

Please take this matter seriously, as continued reporting of incorrect information constitutes a violation of federal law. I will not hesitate to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
Product: Credit card or prepaid card

On XXXX I was notified through credit Karma that a new inquiry was reported on my XXXX report from CBNA ( Citi Bank ). 
I did not recognize this inquiry and on XXXX I called Citi Bank to see if someone had tried to get a card using my identity. I talked to 3 different representatives and none of them were able to find any information using my name, address, SS #, or phone #. 
I called XXXX to let them know the inquiry is fraudulent. They said that it seemed to be legitimate on their end and that I would have to ask Citi Bank to send a request to remove the inquiry from my report. 
I called Citi Bank once again, they still had no information on me and said that I would have to get a statement from XXXX and fax it to them. 
I called XXXX and explained the situation once again and the representative filed a dispute directly with Citi Bank and also suggested that I report the situation to the FTC because he ( and I ) found it very odd that there is an inquiry yet Citi Bank has no record of my information. He called them uncooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was unjustly affected. My credit score was corrected at one point by XXXX everything has been corrected with the XXXX and an investigation was done to show this information was incorrect. It had been resolved at one point but it has again came up on my credit report taking a negative affect. XXXX has resoled on there side and states they are unsure why the credit bureaus keep adding to the report.
Product: Debt collection

XX/XX/XXXX until XX/XX/XXXX I was applying for social security XXXX which denied and I am XXXX  with no source of income. I can not afford to pay XXXX XXXX # XXXX balance of {$4800.00} as of XX/XX/XXXX. I received a Notice And Summons. 

Attorney : XXXX XXXX XXXX , XXXX ( GA ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Plaintiff : Cavalry SPV 1, LLC, as assigner of XXXX , XXXX . 
Case Number XXXX Date Filed : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting erroneous information regarding my XXXX mortgage account and my XXXX XXXX XXXX Credit Card account, causing a XXXX point decrease of my credit score. The balances are completely wrong. Its 2024, how are these smart, XXXX XXXX holders still managing to get this wrong???
Product: Mortgage

I refinanced in about XXXX or XX/XX/2022 with a company called XXXX XXXX. The refinance was completed and a different company, Roundpoint mortgage bought my loan from them. Round point mortgage says they only accept payments between the XXXX and XXXX of each month or the payments go to principle instead of my normal monthly payment. Example : I can only pay for the month of XXXX between XX/XX/XXXX and XX/XX/XXXX even though I should be able to pay anywhere between XX/XX/XXXX and XX/XX/XXXX without getting a late charge. They call me every month harassing me about I didnt pay my bill but when I list the dates I sent payments ( between the XXXX and XXXX ) they magically find that the second payment was applied to principle. They tell me they will reverse it and to wait 4-5 days to process. I should not have to go through this every month for the next 30 years and feel it places an undue burden on the consumer especially if I never agreed to their 15 day only terms. My agreement was with XXXX XXXX to pay from the XXXX to the XXXX for the upcoming month like every other normal person. It doesnt seem fair that a company can buy your loan then force you into whatever terms they want without you consenting. Please help, I cant afford to refinance again to get away from them and they might buy that loan too! 

Hoping and praying, XXXX XXXX
Product: Debt collection

Portfolio recovery associates, LLC just won a lawsuit for {$8900.00} XXXX XXXX XXXX 2021 ) against me to continue to attempt to collect from an old credit card bill. I now am orders by a judge to complete form XXXX XXXX fact information sheet ) this sheet asks for car titles, account numbers, deeds etc ... so Im assuming they are going to physically start taking what little I have left in the middle of a world wide pandemic. We are a family of XXXX XXXX XXXX children XXXX. This organization ( CFPB ) says its protects consumers from unfair and abusive tactics. Cause that is exactly how I feel. I dont recall my second court date and I think I missed a court date based on what my current court documents says. I did not have legal representation and was in way over my head on the first court date when I agreed to a settlement. I feel it is both unfair and abusive that these people continue to use legal measures to collect from my family that is currently on unemployment and food stamps and already on a payment plan from our current electric company when we were over {$1000.00} behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I noticed it contains an item that I have never applied for.
Product: Credit reporting or other personal consumer reports

I didnt give permission to put this credit report on my credit for a phone that was stolen
Product: Checking or savings account

I originally opened a checking account in XXXX, received a promotional bonus and closed the account in XX/XX/XXXX. After seeing an advertised {$300.00} bonus which the terms indicated was " available to new customers '' in which " new customers '' were defined as " having no current or prior checking, savings or money market relationship within the preceding 12 months, '' I opted to open a new checking account in XX/XX/XXXX with the promotional bonus applied as I meet these terms. My prior checking account was closed 23 months before the current account, thus I am a " new customer '' and eligible for the bonus. 

The bonus required that one open the " beyond checking '' account and receive direct deposits in the amount of {$2500.00} within 60 days. I met these terms with a {$2500.00} payroll direct deposit on XX/XX/XXXX. The terms dictated that the bonus would post within 140 days of opening the account. 

The bonus never posted and, after multiple messages with customer service, I was told that I do not qualify for the bonus as I had a checking account in XXXX, violating the terms of the agreement. 

A message received on XX/XX/XXXX with a customer service representative indicated that I would not receive the bonus as I received a bonus on a previous account and that the terms stated " one bonus per account per customer and can not be combined with any other offer. '' The message further states that " account XXXX earned a {$300.00} bonus on XX/XX/XXXX the anew account does not qualify as this would be considered combining with another offer, and therefore the account is not eligible for this promotion. '' However, this is clearly contradictory to the terms of the offer, misstating the published requirements to earn the bonus.
Product: Mortgage

On XX/XX/21 I set up a one-time extra principal payment of {$1200.00} through nationstar mortgage website. On XX/XX/21, I saw two pending ACH 's from my XXXX checking account in the amount of {$1200.00}. I phoned Nationstar and they had me get on a 3rd party call to XXXX to verify that both debits would go through. Basically making sure I had {$2500.00} in my account. My issue is that I only set up 1 payment. I didn't click anything twice. I didn't have a previously pending payment. I didn't receive 2 confirmations for payment, etc. I DID NOT MAKE 2 PAYMENTS, and yet nationstar deducted 2 payments back to back that morning. Nationstar agreed to reverse one and since XXXX has partnered with Nationstar, they removed the fee to put stop placement on a check I had pending for savings at another financial institution and they reversed a {$29.00} NSF charge for an ACH. I am filing a complaint because although Nationstar says they will investigate this and get back to me, they have no vested interest in exposing themselves. Also, if I didn't have the funds to cover the 2nd payment, would they have assisted me? I'm concerned that others may be subjected to penalties and fees that they can't fight.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) I have not initiated any transaction with your company. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with your company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting or other personal consumer reports

Innovis will not allow me to access my online report.
Product: Credit card

Home Depot sold me a credit card a couple of years ago by offering an immediate savings on something I bought. I agreed to take a small balance card and took good care of it until a few months ago. I had n't used the card for some time, but when I looked at the bill today, it had a balance of {$75.00}, with the only new charge being a {$37.00} fee. I did not expect to pay {$35.00} per month for a card I use very infrequently, and so I called the XXXX number for account inquiries. I asked how long they had been making these charges. Instead of answering, they made confusing assertions that maybe I had not paid the last {$18.00} on a bill at one point, though they admitted I had no prior problem with the account. So, they said, it was only " fair '' that they charge me {$35.00} per month thereafter. The " escalation desk '' admitted to making multiple charges, but would not admit to the total or adjust the balance except for the most recent charge. After I repeatedly asked, the individual finally admitted to working for CITIBANK. So I will return my card to the Home Depot branch that sold it to me and tell my story. 
This behavior is obscene, and I thought it had been dealt with in the context of recent financial reforms. If you do n't regulate this kind of gouging, what DO you regulate????
Product: Mortgage

Many things have happened. I have two exs teaming up against and trying to take custody of my children. I am going through a divorce also. I have lawyer fees still, and don't even have a lawyer anymore. I have court dates coming up. I'm a single mother of XXXX  boys. I pay for everything with less income now. I don't want to lose our home. I need help.
Product: Debt collection

On  XXXX   XXXX ,  XXXX , I rec 'd notification from a credit reporting company that  XXXX  new " collections '' were added to my credit report. The  XXXX  new collections are both the same company ECMC for student loans and were included in a Chapter  XXXX  bankruptcy that was file last year in  XXXX   XXXX . My issue is that the company newly reported this to credit agencies as an active collection a year after I filed Chapter  XXXX . I am still in this active  Chapter   XXXX . I 've called the company and they said that the accounts are in an active collection status despite the  Chapter   XXXX . Should I not be protected under the automatic stay until the end of the bankruptcy?
Product: Debt collection

Contacted me at my work place on XXXX/XXXX/2015 at XXXX and I told them that I could n't speak due to me being at work and that I would contact them when I was XXXX to speak on the phone. I get a phone call from my brother at XXXX am telling me that he just got off the phone with the debt collelctor and that they disclosed who they where, what compant they work for, and that they where looking for me to try and collect on a debt that is owed and by what company the debt was for. They asked if he knew of away to contact me and that if he could pass a message along to me as well. I called them back at XXXX am asking why they disclosed confidental information to my brother and why did they contact me at my place of work. They told me that since they are collecting a debt that they can contact whoever they need to. I asked them to please not contact me at my place of work anymore becasue my manager has a problem with it and I got written up at my job because of there call. She told me that it was n't her problem and would n't explain to me where in the FDCPA that it says thats acceptable. She got very rude and nasty started to shout at me before hanging up in my face. Before she hung up on me she told me that collection methods would pressme the way that they have been doiong them and that if I did n't call them back by XXXX eastern time today that they where going to send my file to my local state office for writing a bad check.
Product: Credit reporting or other personal consumer reports

XXXX with XXXX stating late XXXX XXXX but unknown information XXXX how is that possible when I closed in XXXX. 

XXXX XXXX XXXX  not even on the report XXXX XXXX late payments XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX
Product: Credit card

I am unable to manage my credit card without an accommodation under the Americans with XXXX Act Capital one has said they are processing my XXXX  request but have not responded with any accommodation in 3 months. I need assistance to manage this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems.  The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.