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 # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : 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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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: Mortgage

I am concerned that the payments that I 'm making are n't being applied to my loan appropriately. I have just come out of a bankruptcy that was dismissed in XX/XX/2015 and I 'm no longer attached to the debt. However during the bankruptcy i 'm told I was charged late fees, I was billed for a corporate advance fee ( to have a sun trust rep come out and look at the home ) I ca n't confirm that any of this took place. There were no documents to sign, no appointments. While in the bankruptcy I was denied a plan ... when I sent notice to the my bankruptcy atty and copied documents from the office of attorney general for fraudulent acts by lenders.. I received an approval for assistance thru the loss mitigation stating they would allow me a XXXX repayment plan. I was denied forbearance because I was n't unemployed. The regular collections dept would not set up a payment arrangement with me on the XXXX balance set up by someone within SunTrust but there is no way I owe XXXX. It 's the fees they 've attached and the billed me for the months I had already paid .So why include that in a payment plan. No one has a consistent balance. I have correspondence showing that I only owe XXXX but actually less because I had made a payment after the balance was given. so it 's one month behind with XXXX late fee charge. The lender will not look at the suspense and calculate. Nor do I believe they are thoroughly appropriating the Preservation process. XXXX department does n't know what the other is doing. I believe the process should be done by a third party because it 's not seeming to balance out. I have never been XXXX behind on my mortgage and never 3 months behind. I have contacted HUD and the Attorney Generals Office again. Please help me
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my 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. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. FCRA Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block the reporting of information on a consumer 's credit file if the consumer claims it is the result of identity theft. U.S. SENTENCING COMMISSION. 18 U.S.C. 1028A. TRANSFER, POSSESSION, OR USE OF A MEANS OF IDENTIFICATION OF ANOTHER PERSON DURING AND IN RELATION TO ANOTHER FELONY. 15 USC 1692 The FDCPA 's purpose is to eliminate abusive debt collection practices, protect debt collectors who don't use abusive practices, and encourage consistent state action to protect consumers. 15 USC 1601 The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use ofcredit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use ofcredit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Under the Fair Credit Reporting Act, you're entitled to a fair and accurate credit report. If information about the repossession is inaccurate or unsubstantiated, I have the rights to dispute from my credit report. Delete these inquiries due to violation of 15 USC 1681b 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 {$2100.00} account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collections {$2200.00} account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$15000.00} account number XXXX
Product: Mortgage

My mortgage company is now Mr Cooper. They've recently had a security breach on XX/XX/XXXX. Ever since the breach, they have not posted my mortgage payments to my account. The payment will post and then to be returned as " insufficient funds '' when I have more than enough money to cover the mortgage payment. Now they are charging me fees and I'm XXXX months behind on my mortgage because they will not withdrawal the mortgage payment from my account. I have given them my account numbers seven different times and have spoken with five different associates. This problem is still ongoing and they keep blaming me and my bank and me or my bank ( depending who you speak with ). The payments missing are for XXXX and XX/XX/XXXX. Mr Cooper has since marked the payments as posted but they were not taken out of my account and will be " reversed '' as Mr cooper puts it because it's happened on four separate occasions now. This is an awful mortgage company and I hate that they own my mortgage.
Product: Payday loan, title loan, or personal loan

I attempted to settle for a lower payoff which was turned down cold despite the fact that I have new health conditions that do not permit me to work any more and a 279 % interest rate. 
I filed CFPB complaint # XXXX. The companys response to this complaint was simply to call them, which I did. I was turned down again. Manager told me that since I had modification in 2020, I was no longer eligible, which they never told me in 2020. 
I stand by my offer that I made earlier. 
The manager did offer to stop interest from accruing until XXXX if I would pay of THEIR balance. This is contradicting his statement that I am no longer eligible for any type of modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agencies AND Lexis Nexis have defamed my character and have infringed upon my consumer right to privacy. I have NEVER NOT ONCE given any verbal nor written consent to share my PERSONAL INFORMATION, including BANKRUPTCY to any 3rd parties. I called the bankruptcy court and they have plainly sent a letter back to me stating " They DO NOT REPORT, VERIFY, OR FURNISH INFORMATION TO CREDIT BUREAUS OR ANY PARTY. ". Now the question would be how did they get my information IF I didn't give them written consent AND the bankruptcy court do not report, verify or furnish information to any party. This have caused stress and harm to my name and have cause many denials in trying to support myself and my family. According to law this is illegal. They are going out fishing for consumers PRIVATE information and hardship, then selling it to make a profit to anyone they chose. I have sent in letters and have called them and it is still not removed. 

I sent letters certified to XXXX, XXXX and XXXX XX/XX/2022 asking them to delete this and show me proof that they have the permission to furnish this information. They replied back to me and sent me reports that said VERIFIED AS ACCURATE. NO PROOF was sent to me. I resent a Certified letter XX/XX/2022 XXXX XXXX, XXXX and XXXX. I called Lexis Nexis XX/XX/2022 and spoke with XXXX and XXXX. I asked who gave them permission to share my information? They couldn't answer. I kept asking and the she said they don't need permission to share my information to 3rd party people. She said if someone ask then they can give out my information. I have proof stating this information. 


XXXX, XXXX, and XXXX have been reporting inaccurate information. I have went through all three reports and sent in certified letters challenging it and they came back as verified accurate but that's not possible and they have different information on each report so its all a lie. I NEED THEM TO DELETE IMMEDIATELY.
Product: Checking or savings account

On XX/XX/XXXX, I submitted a paycheck from my part-time job. When I checked SoFi bank 's app, I saw that {$1300.00} was pending rather than the {$130.00} I was paid by my employer. As soon as I saw this, I called my bank about the error to try and have it canceled before the funds could be posted to my account. I am unsure whether it was an error in how I submitted the deposit, but the bank should have verified that the amount was correct and instructed me to resubmit the deposit. 

After some time, I forgot about the transaction. At the end of XX/XX/scrub> 2024, my manager approached me and let me know that the accountant had discovered the error. Remember, I tried to stop the transaction because I work for a small " mom and pop '' type of restaurant. My manager requested I contact my bank and figure out what happened. I talked to multiple people at SoFi since the last week of XXXX, all of whom acknowledged that the fault was on their end and that the check should have been rejected. 

In the first week of XX/XX/scrub> 2024, I logged onto my online banking and saw that the {$1200.00} was taken out of my account, without any notice that it was going to happen or any debit being posted to my account. This immediately drove me into overdraft by approximately {$800.00}. 

If there was any open communication, I would not be so stressed about this, but any communication I initiated. I also take issue with the fact that they did not post the debit to my account. I requested that the bank return the money to my account since it took more than XXXX months to even catch the error and because I did everything I reasonably could to avoid this. Had they rejected the check, I would have resubmitted. Or, if the error was made clear to me, I would have immediately paid my employer back. The complete lack of transparency and communication is why I am certain that I am not responsible for them taking more then {$1200.00} out of my account without notice, especially I called before it was likely to happen and nobody could tell me that it would. 

I tried to resolve this with SoFi bank on multiple occasions, but did not receive any helpful resolution, only a loss of {$1200.00} that I did not have my account. I believe that a multimillion dollar business should absorb the cost for their error rather than an individual who did their due diligence. This has been a deeply stressful experience, as I have never overdrafted before, let alone by {$800.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermost, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Prepaid card

XX/XX/XXXX. I made a chime to chime transfer of {$35.00} to a person who was selling XXXX XXXX tickets online. I told the person that I will buy 1 tickets at a time and remit half of price of ticket then half after. After I had sent the first half, the seller ghosted me. I immediately called Chime customer service a few minutes later who advised me to submit a dispute. I waited 10 days only for them to reach out and tell me that they were denying be because they don't dispute transfers. 

XX/XX/XXXX I bought some credits from an online merchant and never got the credits. I paid 4 times {$10.00}. 3 times on the 12th and once on the 16th. I reached out to merchant and they advised me that this account was closed and to reach out to Chime to get my money XXXX reached out to Chime and the agent I initially spoke with on the 16th advised me that they would be able to put a block on it and reverse the transactions. I waited couple days and nothing. I reached out again only for them to dispute it which eventually got rejected.
Product: Credit reporting or other personal consumer reports

I want to do delete all names and addresses from Equifax, XXXX and XXXX  off my credit report they are misspelled and wrong. I would like them to be removed immediately thanks. The only personal information is correct is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXX, XXXX XXXX Bank ), XXXX XXXX Bank, XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX CARD, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

On XX/XX/year> an external unknown account was added to my saving account adding {$2000.00} to my saving account. The savings acccount had a balance of {$720.00}. With this unauthorized transaction that I did perform or allow anyone else to do so made a total of {$2700.00} and ithin seconds a with drawl of {$2500.00} was taking from my account leaving me with only {$170.00}. On XX/XX/year> my depsit from my job of {$420.00} depsoited to my account making the balance {$600.00}. On XX/XX/year> the {$2500.00} came back as a funds return wiping my enitre account out leaveing me with a negative balance of - {$1900.00} and since I would not make a desposit for the negative balance they wrote off my account. I asked for a fraud review and they said I was respsonsible an none of my money would be returned to me. I have lifelock working with me who asked for another review due to all the documents and new evidence of fraud and they still said they stand by their decision. This almost caused me to loose my SUV. I didn't make the transaction.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 Coinbase I can't transfer my ETH cryptocurrency ( currently approx {$18000.00} ) from XXXX to XXXX in order to sell and settle my position to cash out. It's frozen. It keeps saying that I have NOT clicked APRROVE WITHDRAWAL on my co-signer email address which is a double security measure. I've received such email links on both e-addresses and verified, but it STILL shows pending approval. Coinbase is pocketing my money just like banks tend to do. The longer the process give more leverage for Coinbase to use. Bottomline, I can't retrieve my funds. In my opinion, it's as if it's been stolen from me, since they do not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a automated payment plan for {$62.00} with Best Egg for the XXXX of every month started XX/XX/XXXX. Best Egg continuously reported to the credit bureaus that I was late from XXXX XXXX XXXX. Best Egg received on time payment of {$62.00} every month on the XXXX drafted out of my bank account. When I called them for the 3rd time to ask for an explanation, no one could explain the 1st nor 2nd times. The 3rd time Best Egg stated they did not see what I saw on my credit report. But they had to report it. Every time they report this my score goes down. This is incorrect information. Even when disputing this Best Egg still stated I was late and even added XX/XX/XXXX.
Product: Mortgage

We have been doing a short sale on this file since XX/XX/XXXX and we finally got an offer that meets the lender 's minimum net based on the appraised price and after submitting it, we were told that the seller needs to file an insurance claim for the damages throughout the home or Pennymac will not accept the offer in the short sale. The seller is XXXX XXXX XXXXXXXXXXXX XXXX  and his daughter is his power of attorney and although he hasn't been in the home for the past two years, he still filed a claim over two weeks ago ( when the lender notified us about it ), as per the lender 's requirements, and the claim has been denied due to borrower neglect. Just as of Friday XX/XX/XXXX, there's now a foreclosure auction date set for XXXX and Pennymac refuses to postpone it, when the only reason we filed the insurance claim is because they required it for whatever reason. This is the first time in my experience a mortgage company has asked a seller to file an insurance claim in order to accept an offer that meets the minimum required net. Otherwise, we could have closed this by now because the title to the home is clear, aside from the mortgage. Please help us get this reviewed to accept the current offer as it meets the minimum required net. It's unfair to the homeowner that he is meeting a requirement that Pennymac set, just for them to now put him back into foreclosure. They basically set him up to get foreclosed on.
Product: Credit card or prepaid card

The issue at hand is the re-evaluation process for credit limits with Citi Bank Credit cards. 

in general this complaint is to address the unfair practice of report pulling to reduce credit limits.

This practice creates a cyclic problem for consumers due to the following : Card 1 : had a XXXX limit in XXXX of XXXX Card 1 : was reduced to XXXX in XXXX of XXXX, just XXXX dollars over balance. 

this drastic reduction significantly raised utilization and inversely decreased credit score for having over 95 % utilization, thus raising risk factorization. 

Card 2 : had a XXXX limit in XXXX of XXXX Card 2 : had a XXXX limit in XXXX of XXXX,, about XXXX dollars above balance. 
Card 2 : had a XXXX limit in XXXX of XXXX, about 200 dollars above balance. 

Requested the balances be reinstated by citi bank, citi bank responded with calling XXXX  credit reporting. 
Also, using the automated " increase request '' was denied, system stated balances can only be increased every 6 months. 

This predatory practice of lowers limits just above balances is damaging to consumers because there is no control metrics to in place that protect the consumer. Credit score Hemorrhaging affects not just credit cards, but housing and employment opportunities as well. 

example of existing issue : Citi see a score change, Citi reduce limits Citi increase utilization to almost maxed out, score decrease significantly Citi see dramatic score change, Citi reduce limit threshold just above balance again. 
again, score lowers, and the cycle continues.
Product: Credit reporting or other personal consumer reports

I called XXXX to dispute my name being on my credit report 4 different times with different identity numbers on each name. I asked them to remove 3 of the names, however, they said thats my name and that they will not remove it. The only name that I allow on my report is XXXX XXXX XXXX. The other 3 names need to be removed because I only have one name. Not four names.
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAYS BANK DELAWARE, XXXX, XXXX XXXX XXXX & fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX XXXXXXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given BARCLAYS BANK DELAWARE, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Product: Debt collection

I disputed this debt in 2020 and it was then removed from my credit report now after months later it is appearing again stating it was opened later than when it originally was I was a previous victim of fraud also and had an alert placed, I was told I would get a call back for my concerns and never received the call back. I would like to know why it was removed due to me having no knowledge and now it appears again, It should be removed at once and it is currently showing in a way on my credit report that my chances of getting a job is affected. I have no knowledge of this account and it is a small amount if it were owed truthfully by me i would pay but it is not. This is not the way you do business. I can provide proof it was disputed and removed in 2020 via XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name