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

Unauthorize Credit Check By New American Funding On Sunday night XXXX XXXX at XXXX ; XXXX I got a call from an unknown individual. He explained to me that he noticed that I looked to buy a house. He was starting to offer me to make a pre-approval in order to see how much I can get from them. I told him I need more information about the bank before I move further. Then I told him quote : '' Do not run my credit ''! If I can get a pre approval without a credit check that's OK, otherwise I do not authorize to Run my credit for no reason. By contrast he did that on his own without my consent. How and when I know that he requested a credit check from XXXX, it is at XXXX XXXX  the next day which is Monday when I receive an email from XXXX XXXX XXXX  states : There's been a change to your XXXX Credit Report, A lender requested a copy of your credit file. Then I rush to check in my XXXX  to see whether it is true, I realize that was true. So, I called the individual to ask him why I did not authorize to Run my Credit and he tried to explain that he can not provide a pre-approval without a credit check, but I told you : do not run my credit! 
Definitely, I request from XXXX to remove that unauthorize credit check.
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 XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX 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: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still ITEMS that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these ITEMS ( A ). I hope these disputed ITEMS are updated. 
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 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/year>
Product: Credit reporting

Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2023 I got a notification from my credit monitoring agency that PenFed pulled my credit report. They pulled my report without my verbal or written authorization. Those credit union has violated my rights multiple times. Penfed has also reported incorrect information about past due payments when I was waiting for their approval on a hardship request. I was told they were behind and I emailed and called them multiple times without a response but yet they still reported inaccurate information to the credit agencies. 

NOTE : In accordance with the Fair Credit Reporting Act PENFED has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
Product: Credit card

I called after the product that I requested failed to arrive and they lied to me and stated that the vendor asked that a hold be placed on my account. The vendor unequivocally denies that this happened. The company then refused to deal with me if I recorded the call for my protection. I had no choice but to lose all privacy and protections and now feel extremely taken advantage of.
Product: Credit reporting or other personal consumer reports

Among many other things, herein attached to this complaint is very specific and exacting exhibits and proof i.e. cancelled checks, credit card statements, copies of old statements with paid off dates. 

CONSUMER FINANCIAL PROTECTION BUREAU shall step in and correct these issues. I am contacting my congressman and senators with a copy of this letter and the previous ones. Please see this is corrected. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INQUIRY SHOWED ON MY CREDIT REPORT AND I DID NOT AUTHORIZE ANYONE TO PULL MY REPORT. MY REPORT HAVE A CREDIT FREEZE LOCK. SO I AMAZES ME HOW THEY COULD HAVE MAY AND INQUIRY OR GIVING ACCESS TO MY REPORT. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are Medical, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Fay Servicing reported account # XXXX as 120 days late. 

The last payment made on the account was XXXX, XXXX. No payments have been made since that date. To now show the account 120 days late is purposely hurt my credit score. 

I am enclosing the before and after reports as well as the account posting.
Product: Debt collection

This company started calling me about a debt from XXXX of 2015. I said all those bills were paid and the lady was very rude twisting my words and saying I was refusing to pay and being deceptive and uncooperative. I told her I needed something in writing, this was the first I 'd heard any bills were unpaid in over XXXX and I was n't going to pay some random person over the phone. I needed something in writing with dates, service provided, costs, etc. She said a letter was mailed a few weeks back and months later I still have no letter, I 've asked her and her supervisor to send me something in writing and I 've never received anything. She calls my work and my cell constantly and is very rude. If this is a legit company, then they should be able to mail me something in writing. And if not, then they need to stop calling. If I owed anything back in 2015, would n't the hospital have called me? There are too many scams out there to give a company I 've never heard of my credit card information for a bill I do n't know about, especially when they refuse to send me anything in writing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds wirhin 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX  credit card.
Product: Credit reporting or other personal consumer reports

I reported a dispute on a fraudulent hard inquiry made on XX/XX/23. I included the letter from XXXX XXXX confirming that it was fraudulent activity. Equifax is not removing this fraudulent hard inquiry from my credit report, stating that it will remain on my report for two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX... Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$360.00}
Product: Mortgage

Bank of America SUBPRIME Mortgage/Bank Fraud! Need Help! 
Today I was contacted by a Bank of America representative named XXXX XXXX. 
He told me he was calling to collect {$39000.00} PLUS 11 YEARS INTEREST on a Bank of America and Countrywide Subprime mortgage loan, which I am unfamiliar with, on a house I sold years ago. He told me that his company had bought a loan in XXXX from Countrywide Subprime mortgage and started accruing interest on it and now in XXXX, 11 years later, he says Bank of America is demanding I pay them {$39000.00} PLUS INTEREST back to XXXX through XXXX. ON A HOUSE I SOLD YEARS AGO. 
I have never taken a loan out with Bank of America or Countrywide subprime Mortgage. 
An attorney had recommended that I call Bank of America years ago when I sold my home to confirm that I did not have a loan with their bank. 
Bank of America representatives repeatedly told me that there was no loan under my name or social security in their Bank of America system. 
XXXX XXXX of BofA told me today to call the main BofA phone number for an exact payoff, of an amount XXXX XXXX & BofA say I owe them. 
However, once I called the number given the BofA representative could not give me an amount that I supposedly owe. 
This is a clear cut case of Mortgage/Bank fraud on Bank of America 's part. 
A TRILLION dollar bank saved during the recession is taking advantage of the " little guy '' consumer, me. Bank of America has been convicted and settled out of court for mortgage fraud. This is simply another case off the same. 
I am a XXXX Veteran and do not have the income or money to defend myself against this corruption, nor do I have money to pay Bank of America what they say I owe them. Please help me. 

Thank you, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I have initiated an ACH transfer from a XXXX XXXX checking account to a Citizens Bank savings account in amount of {$10000.00}. 
On XX/XX/2022 I have initiated another ACH transfer from the same XXXX XXXX checking account to the same Citizens Bank savings account in amount of {$5000.00} ( the transfer was requested on XX/XX/XXXX, but scheduled for XX/XX/XXXX ). 
This second transfer was canceled by Citizens Bank under the claim that it falls outside of its transfer limits. This information is deceiving t though because Citizens Bank publishes the following XXXX inbound transfer limits : - daily : {$10000.00} - monthly : {$15000.00} Simple math shows that my {$5000.00} transfer should have not been canceled. 
Additionally, on XX/XX/2022, two days later after my initial transfer, I tried to redo the {$5000.00} transfer from XXXX XXXX to Citizens Bank, which again was rejected due to " transfer limits ''. 
Attached is a screenshot showing the XXXX transfer limits published on Citizens Bank own website ( citizensbankonline.com ).
Product: Checking or savings account

I am writing to file a complaint Against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with current CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

In XXXX I purchased a cruise from XXXX XXXX XXXX. I paid for the XXXX using my Chase Visa credit card. The total amount was over {$32000.00}. The cruise was canceled by XXXX due to COVID-19. XXXX emailed an offer of either applying the amount paid to a future cruise, or a full refund. I chose the full refund and submitted my refund request on XX/XX/XXXX. This request was acknowledged by XXXX and I was told it would take 30 - 90 days for the refund to be processed by XXXX. As of this date XXXX has not processed our refund. I contacted Chase about one month ago to report this and a Chase " disputes department '' representative told me Chase would issue me a temporary credit in XXXX - 10 days while they contacted XXXX to investigate why they had not yet given me a refund. None of the facts or amounts are in question. I have supplied all supporting documentation to Chase that they have requested. 

Chase has not provided the temporary credit they stated they would provide. Meanwhile, they sent me an email that states the disputed charges are " valid '' and they would return to charging me interest on this amount. What Chase chooses to ignore and/or not to understand is the validity of the original charges were never in dispute, never questioned. I did purchase the cruise using my Chase Visa. The issue was and remains the cruise was canceled by XXXX due to COVID-19, XXXX offered a full refund, and I accepted their refund offer. It is now beyond the 90 days XXXX originally stated they would need to process my refund. XXXX is a Chase merchant. Chase needs to take care of their customer -- - me, and give me a temporary credit as they told me they would do, then deal with why XXXX still has not issued me a refund for a cruise THEY CANCELED.  Instead, all Chase has done is renege on their promise to give me a temporary credit for the amount I paid XXXX, plus they " closed '' my claim after declaring the charges are valid. Of course the charges are valid! The validity of the charges was never the reason I contacted Chase. The issue is that their merchant, XXXX, is holding my money hostage and refuses to issue my refund.
Product: Credit card

Over the past 2 weeks I have had at least 3 different credit card companies call me telling me that there have been applications submitted using my information. I have no knowledge and have to call each company and confirm that it was not me submitting them and that someone has stolen my information.
Product: Credit reporting

I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy.
Product: Mortgage

On XX/XX/XXXX, two days prior to closing, I was informed that I was over the income limit for BBVA Compass ' Home Ownership Made Easier mortgage, and that the child support that I receive had been factored into my income. I was officially informed that my loan was denied on XX/XX/XXXX. 

At the beginning of the application process, my loan originator completed the loan application on my behalf, entering information based on questions she asked me via telephone. The initial disclosures and Uniform Residential Loan Application that I received electronically for e-signature only referenced my income from employment. That application did not and should not have included child support in the other income section, as I was never asked if I wanted to include it as income. Child support became a factor when my loan originator emailed me on XX/XX/XXXX asking for my Divorce Decree and subsequently, emailed me asking " Do you have the paperwork for the child support income? The divorce decree or court order for the child support? ". I replied providing documentation for both, not knowing that by supplying these requested documents, BBVA Compass would themselves decide to include the child support as income without asking me if I wanted to do so!

To date, I have spent over {$2000.00} related to this transaction. Some of those losses ( especially BBVA Compass ' fees of {$500.00} for an appraisal ) could have been avoided had BBVA Compass either not taken the liberty to include my child support as income without my consent or verifying my income-related documents to assess my eligibility much earlier in this process.
Product: Student loan

While I was attending school at XXXX College I took out a private student loan. I graduated in XX/XX/XXXX and 6 months later Discover bank contacted me and stated I owed {$800.00} for my monthly student loan payments. I explained to Discover that I was not making enough money to pay that and asked about a payment plan being worked out. Discover Bank turned me down multiple times stating that they do not do payment plans. Finally my mother XXXX XXXX ( co-signer ) and myself got a lawyer XXXX XXXX of XXXX, NY to help with Discover Bank. On XX/XX/XXXX myself and my mother XXXX XXXX signed a payment agreement contract with Discover Bank lawyer XXXX XXXX of XXXX XXXX XXXX stating that in 10 years I will have paid the loan off of {$74000.00}. Since then I have been making the agreed payments every month however Discover Bank is reporting it to the credit bureau that the loan was " In Collections/Charge-off '' and it's " charged off as bad debt Dispute resolved ; reported by grantor 's ''. I have disputed this with XXXX  by sending them my payment history of my mothers bank account where it shows no payments have been missed because the checks are being cashed. XXXX then passed it on to Discover Bank and Discover stated after there investigation that they are reporting it correctly and it will not come off my credit report until it's paid in full. This was not an issue until recently, from XX/XX/XXXX to XX/XX/XXXX they were reporting it as making agreed payments now all of sudden Discover Bank is reporting it as stated above. This is a very serious issue because I am trying to buy a house for my family and because Discover Bank is reporting incorrectly they will not approve for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX continue to furnish information that is inaccurate and incomplete. I reached out to these companies. Submitted a dispute, even filed a lawsuit. My reports are still inaccurate. The Payment history, along with date of first delinquency, and some of these accounts have been deleted on one credit agency but remain on others. Theyre violating 1681e ( b ), along with failing to respond. Another violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX They notified me a few ago of a balance owed to XXXX XXXX XXXX back in XX/XX/XXXX. This is reported on Equifax, both XXXX and XXXX have been removed from my credit report due to fraudulent activities from this XXXX I filed the dispute with Equifax and stated to me that this debt has been verified and is not being removed. I am reporting this cause this has already been validated years ago, I dropped from the course before the class started. There I owed no money, and I was on XXXX XXXX. Both XXXX and XXXX removed this fraud off my credit report over XXXX years ago. I need assistance with Equifax