23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I tried to close a Wells Fargo bank account on XX/XX/2018 that I set up for a foster child that was in my home but when I tried to close it they would not allow me to because he deposited a counterfeit check and withdrew the money before the check cleared. He is still able to use the debit card even though he is negative in his account by thousands of dollars. However the bank says that Im responsible.
Product: Credit card

XXXX XXXX President of USAA today I called about a complaint of consumer privacy compliance fraud violation exocuted by a member of your so called Resolution dept who hacked the online access of a XXXX member 's account. My company XXXX XXXX XXXX would like your response regarding the reason behind referring to a member 's political conservative party or views which is exploitative solicitation. When I recieved a welcome letter from XXXX XXXX into this company it was sincerely regarded that member privacy & the ingenuity of professional & ethical values could be intrusted. On behalf of my corporate associates it has been speculated that these actions were taken on behalf of you rather you knew it or not as a grinching of my XXXX. In regard to leadership & reconciliation I know that asking you to intervene is a plea to administer justification as an example to your subordinates. Last week XXXX USAA declared a liability of a technicality that was suspose to be resolved infractions but after giving my account an {$8000.00} credit limit increase it was not reported to you that a representative of your company exploitively invaded my account integrity. As the principal executive of this company it is your responsibility to monitor the hatred practices of you subordinates. I hope you can help restore my honor of service by granting my online access & credit card privilege that is truley an appreciative heritage.
Product: Debt collection

Vance and Huffman are trying to collect a debt that what processed by identity theft. Dispute filed twice to XXXX and XXXX.
Product: Debt collection

This collection is on my credit and it does not belong to be and needs to be removed Orginal Creditor is a collection agency that I have never done business with. XXXX XXXX XXXX Collections is closed I do not owe them anything have never has an account with the company and demand validation of this debt or they need to remove it
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. They are violating my rights and I am entitled to {$1000.00} for each violation I listed, I have made previous attempts to fix these issues directly with them. They either pay me or delete these accounts ASAP.
Product: Debt collection

This account was from my identity being stolen and is fraudulent, it is being reported even though it is a fraudulent account I have filed a police report and identity theft affidavit regarding this matter
Product: Student loan

Recently, XXXX  was banned for servicing federal student loans due to financial misconduct as well as many more. The loans I have with XXXX  are private student loans due to the college I attended in XXXX in a non-profit organization. That college closed it's doors as of XXXX due to financial misconducts. My parents were pointed to XXXX  ( formerly known as XXXX XXXX ) by the college financial advisor in XXXX to cover college expenses through XXXX. At XXXX XXXX XXXX and sent out of state by the decisions of my parents as well as the lack of knowledge student loan debt would financial effect me in my future, XXXX  has poorly mismanaged my student loans. I have entered rate reduction programs that were not allocated correctly. With the loans having a covariable interest rate. that has significantly increased from the original rate. I have reached out to XXXX, who is know serviced by Mohela, and they were unaware that any documents did not transpire into my accounts inbox. Recently, statements from XXXX XXXX have been made accessible. The original loan disbursed is XX/XX/XXXX. With the recent knowledge discovered regarding XXXXXXXX XXXX loan servicing misconduct, I feel as if this misconduct was happening prior to CFPB complaint. The items brought to light regarding federal student loans are the same issues revolving around my private student loans ; costly repayment options, deprived student borrowers of opportunities to enroll in more affordable plans, steering struggling borrowers into forbearance where interest continues to accrue and capitalize XXXX illegal actions led numerous borrowers to pay additional interest charges, and much more. The misconduct of federal student loans are no different from the private student loans. I feel the verbiage is the only difference for example the IDR is the same and/or similar to the RATE REDUCTION PLAN. The criteria and outcomes are the same ; steering struggling borrowers into forbearance where interest continues to accrue and capitalize XXXX illegal actions led numerous borrowers to pay additional interest charges. I had multiple student loans with variable interest rates and monthly payments. When I made payments these were meant to cover multiple loans because the way they allocated each loan, XXXX  misallocated payments. XXXX also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. XXXX  has tarnished my credit because of their misleading, misguiding, and inevitable way to repay their student loans. XXXXXXXX XXXX undue hardship has cost the negative credit impact, the inability to purchase a home, the inability to create a college savings plan for my child. I have also declared bankruptcy at the age of XXXX.
Product: Vehicle loan or lease

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account and inquiries are Fraudentl. I have contacted Equifax numerous times about this fraudulent activities to be removed. Equifax have violated the fair credit reporting act accounts that are fraudulent XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX needs to be updated from payments made in XXXX thru XXXX Inquires that unauthorize XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dispute this
Product: Checking or savings account

FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank XXXX charge {$29.00} today XXXX ; String of Frauds to my Citibank account My account should be XXXX this morning XXXX and {$29.00} are again missing from account Account this morning available balance : {$770.00} Please find the {$29.00} money missing. 

Another theft was committed on XXXX in the the amount of {$14.00}. 

Read below : FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank Dispute charge {$14.00} For a " Scammers Be Careful! '' The purchase was completed without my authorization. Citibank offered to reimburse, but only if I cancel my card and reorder a new one. At the moment, I CAN NOT do so as I am in transit to work today XXXX. Apparently, the Fraud was completed on XXXX If you can, please refund my account without canceling my card. I will update PIN information. XXXX XXXX XXXX XXXX
Product: Credit reporting

There is incorrect credit card showing up on my account with name XXXX which is opened in XXXX of 2014 and had some balance of {$330.00} was never paid off. I have never applied for this card and me or someone related to me has never received any benefits related to those credit card charges. I have requested company to proceed quickly and close this case so that my home mortguage can be approved. 

XXXX has already removed it but other XXXX companies are not removing these charges. I have also filed the police report for this fraudulent credit card with the case number XXXX. And I have already disputed this with these companies companies and their early response will be greatly appreciated. I have attached report from one of the bureau to show this issue.
Product: Payday loan, title loan, or personal loan

Information is not accurate, not my debt, seeking credit improvement immediately.
Product: Credit card

In XXXX I received a notification that someone was trying to make a charge on my Truist XXXX Card. I immediately called the fraud department and started the process. I have called them many many times to get this resolved and all I can get is it will be taken off the next billing period. I have a letter from the Truist Bank stating that they will remove it but they never have. Now a collection agency is constantly calling and we explain we are waiting on the process. I called again last week and the fraud department said our time was up but there they would expedite it again. Still nothing and the now the credit card has been closed and the interest charge and lates fees are piling up. Those two fraudulent charges were the only ones on the card. My credo it impeccable but now I fear this is tarnishing it. This bank just keeps giving me the run around and I just dont know where to turn now. Even the branch bank cant help.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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

I refinanced my home mortgage with Quicken Loans on XX/XX/XXXX. The fund dispersement date was set on XX/XX/XXXX. I prepaid mortgage interest to Quicken Loans for that day. Quicken Loans did not send out the fund to my previous lender until the evening of XX/XX/XXXX. As a result, my previous lender, XXXX, did not receive the fund until XXXX on the next day, XX/XX/XXXX. 

When I first called Quicken loans about the issue, the representative told me the fund was sent out at XXXX on XX/XX/XXXX. In subsequent convesations, Quicken Loan was no longer willing to tell me at what time of the day the fund was sent out. 

Quicken Loans has refused to refund me the interest for the day of XX/XX/XXXX, in the amount of {$42.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the following creditors regarding my accounts showing late payments and asked kindly for them to be removed but they will not remove them. I was never late on these accounts and demand for the profiles to be deleted from my credit report. 

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 ACCT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} {$8600.00} {$6300.00} {$5000.00XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX {$11000.00} {$8600.00} {$9900.00} {$5000.00} {$5100.00} {$3100.00} {$3300.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681XXXX ( A ) ( XXXX ) 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

On XX/XX/XXXX, a Debit card arrived at our home address for our new USAA checking account. Problem is, we did not open a checking account with USAA. I contacted the number on the card and explained that this was very suspicious since this account was not opened by us. 

The customer service person was very nice and said we need to speak to a specialist, but suggested we call back early in the morning since wait times could be up to 3 hours for a specialist. We call back about 7:00 am the next morning only to be told ( via recorded message ) that the wait time was 12 hours. The next morning we tried again and wait time was 9 hours. 

I reached out to USAA on their XXXX page and sent a message. Since XX/XX/XXXX, I have messaged them several times. Often the response is " someone will get back to you ''. As of today, XX/XX/XXXX, I have still not heard from them. 

This is very alarming to me being that they were recently fined for not safeguarding against fraud. Most checking accounts have to be opened using a Drivers License, so if a copy of our license was used, I have big problems. But without hearing from them, I have no idea what is going on. Please Help.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you kindly review the documents? Several listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Consumer Loan

On XXXX I discovered an unknown CareCredit/GECRB account on my credit report. I asked my free union legal services attorney, XXXX XXXX XXXX to dispute the debt. The dispute letter was sent on that same day and on XXXX/XXXX/14, GE Capital Retail Bank responded. Then on XXXX/XXXX/14, XXXX XXXX, XXXX. called me and let me know that she spoke to " XXXX '' at GE collections department and informed her that the debt was a fraud and " XXXX '' promised to send a fraud affidavit. I have never received the fraud affidavit and not XXXX XXXX XXXX is reporting the debt on my credit report. I returned to my legal services office today and when we called GE Capital Retail Bank we were told that Synchrony Bank had sold this disputed account to XXXX XXXX XXXX and could not help me any longer. Now the account is being reported by both XXXX XXXX XXXX and Synchrony Bank and my dispute was ignored.
Product: Debt collection

Contacted this company back in XX/XX/2017 about debt of XXXX and ask the company for proof that I owed them this money the representative was very nasty to me and said I need to learn how to take care of my debt and I said I dont owe u all this money I ask for them to send me a copy of the use on the card and they sent me a copyed bill with just the amount of XXXX and not what the card was used for than three days later the company kept calling me asking me when am I going to pay the debt I said u all did not provide me with proof of XXXX used their was no trans actions for this kind of money and the ladie said thats not my problem thats your and we will find out who you work for and garnish your check
Product: Credit reporting, credit repair services, or other personal consumer reports

Woke up this morning to a XXXX score drop. Reason for the drop is due to account remark/comment that were added on a XXXX XXXX credit card account account that was closed 6 years ago! I called Equifax to fix this, they said the previous rep I spoke with a week prior to remove account comments on my XXXX XXXX credit card ended up submitting a dispute on my XXXX XXXX account instead. So I asked them to undo the dispute or remove the account comments/remarks on the XXXX XXXX account since I never request for it, they were not able to. 

I've noticed with Equifax and only Equifax, when you dispute a negative account and remarks are added after the dispute, it often results in a significant score drop. It's as it re-age the negative payment/status to recent. So although that account was closed 6 years ago as a charge off, once a dispute is submitted and account remarks are updated it looks as if the delinquency is recent. This practice should be illegal! It happened before on XX/XX/XXXX, when a dispute remark was added to my HD account and it resulted to a XXXX points scored dropped. Called Equifax immediately to remove the account remarks, my score went back up XXXX points the next day, Go figure!. Credit is a very important thing to one 's livelihood, Credit bureaus like Equifax should not be able to toy with people 's lives like this. I'm in the process of purchasing a home and a car and now I may not be able to after this XXXX point drop for no reason. This nation has truly FAILED it's people by allowing these credit bureaus like Equifax with their inconsistency and inaccurate reporting to get away with all they do to ruin people 's lives with little to no accountability.
Product: Payday loan, title loan, or personal loan

1st missed call from the company on XXXX XXXX 2021 @ XXXX 2nd missed call from the company on XX/XX/2021 @ XXXX I called the company on XX/XX/2021 @ XXXX - During this call I acknowledged I was behind for the month and would make a payment in a week once I received a refund check. 

3rd missed call from the company on XX/XX/2021 @ XXXX I called the company on XX/XX/2021 @ XXXX - During this call, I explained that I was unable to make the payment as the check did not arrive yet ; stating possibly another week. 

4th missed call from the company on XX/XX/2021 @ XXXX **At this time, the company began contacting my references** I received a call from my father ( first person listed on my references ) on XX/XX/2021 @ XXXX - My father called me in a panic wondering what was the matter as he received a call from a lady inquiring about me. This led to a series of events that forced me to explain my personal situation causing undue stress and anxiety. 

**At this time, I stopped speaking with the company** There was absolutely no reason to begin contacting references at this point in time. 

The company called me on the following dates : XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX The company has called every one of my references multiple times without their individual express permission to do so. In fact, they have called all my references more than they have actually attempted to call me. On one occasion, the company disclosed to one of my references that they are in fact a finance company attempting to reach me and that the individual was listed as a reference for me.
Product: Mortgage

I am not getting any updates as to where my refinancing status is. I started this process back in XX/XX/2020 and still have not been closed. I have been told not to make my mortgage payments for the last several months because I was told everything would close within that month. So I had to continuously scrape up money to go backwards and pay the mortgage for prior months, which also included late fees. This is getting to be more stressful and upsetting. I have reached out several times to my loan officer and I get no responses. I have sent complaints through the companies website. No response. This is becoming a financial burden, and I need it to be closed out as soon as possible. It has been six months.

I have saved all the emails I have between me and my loan officer si nce the start of the refinance process, which also include my concerns/complaints.