23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good day, once again this financial institute is practicing hurting consumers and customers unethically. It has unauthorized, improperly account add on 's of course this is a breach of consumer services and trust. This is a continuous behavior to hurt consumers and or customers to enrich employes, CFO and stockholders ' lives. I learned once again threw my XXXX XXXX that the mortgage company has ad on an unauthorized ballon payment. And fire protection with out my authorization. All of this in attempt to increase my payment and lower my credit score so I may not leave them for a better servicing financial instiute that has less bad history and price guaging. Or I am unable to manage payments and goes into default. I am ready to expose this company for their practices. This is not an isolated incident their are others. I need this to cease and desist. Want assistance in moving my account to a local finance company that i have a relation ship with. I may be contact number is XXXX : I have made them aware they had no answer and schedule a call back. Why they did not have an answer. They want to prepare for deflection XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX **Inaccuracy of information. The information reported is incorrect. ** XXXX XXXX : XXXX shows {$2500.00}, while Transunion and XXXX show {$3100.00}. Date of Last Activity : Different dates : XX/XX/XXXX ( Transunion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). Date Opened : Transunion shows XX/XX/XXXX whole XXXX and XXXX show XX/XX/XXXX. Closed date : Only reported for Transunion and XXXX XXXX XXXX : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit reporting or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- MY REPORTS HAVE MANY INACCURACIES and its starting to affect my livelyhood. The open dates, the payment dates, and the amounts listed are incorrect, unauthorized and SEVERELY INACCURATE. I NEED THESE INACCURATE ACCOUNTS REMOVED IMMEDIATELY OR I WILL BE FORCED TO LITIGATE! I mailed my letters out more than 30 days ago and I have yet to hear of any investigation. this is against the laws and violating my rights In accordance with FCRA, Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be Civilly liable for negligent noncompliance
Product: Credit card

My apple card was hacked off my iphone on XX/XX/XXXX for the following amounts to target. 
{$970.00} {$980.00} {$1200.00} $ When I noticed the erroneous charges, I notified Goldman Sachs immediately. I have spent many hours on the phone with them. Have since taken my card off phone and stopped using it. They temporarily reversed the charges pending investigation. On XX/XX/XXXX, I received XXXX emails stating I was responsible for the charges which I did not make, and they were putting them back on my card. I called immediately to dispute the decision and the cases are reopened. Do I need to file a police report? I did not make these charges. This is very frustrating and disappointing. 
My case numbers with Goldman Sachs are : XXXX XXXX XXXX Apple Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. 

Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Please help me. I have uploaded some of the emails but I have more. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report for identity theft because there were items reporting to my credit report that were not mine and illegally opened under my name and reporting. I sent my dispute letter out with the police report and they have still not removed these items.
Product: Checking or savings account

I originally set up my CD with a target disbursement account on closure. I closed the target account and moved those funds to a new account before the CD matured. 

My CD matured on XX/XX/2024. I am issuing this complaint on XX/XX/2024, which means I have been unable to access my funds for XXXX weeks. 

When I contacted the bank about this issue, I was passed to XXXX people before I found XXXX that could even attempt to help me. I was told that it would take up to XXXX business days for the back office to resolve this issue. 

There is a reasonably significant amount of money in this CD. I closed the CD rather than rolling it into a new one so that I could intentionally shop and place it immediately back into a new CD. In addition to the missing funds, I have now lost XXXX weeks of interest in what should have been the new CD.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my consumer credit report, it is evident that your agency has committed multiple violations of the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions that were not initiated by me. The law is clear : the consumer must authorize the report, or the transaction must consist of a firm offer of credit or insurance. Additionally, a consumer reporting agency is prohibited from furnishing a record of inquiries for transactions not initiated by the consumer. According to 15 U.S.C. 1681n ( b ) ( 2 ), any entity that obtains a consumer report under pretenses or without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, along with any punitive damages deemed appropriate by the court. I did not initiate these inquiries, and if you assert otherwise, you must provide copies of my written consent. The following items must be removed from my credit report immediately to comply with 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) : XXXX XXXX  XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX  XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Checking or savings account

A Transaction was made on my Chime account that I didnt authorize. The transaction was made by the social media platform XXXX in the amount of {$480.00} dollars. I called Chime to dispute the Transaction numerous amount of times and they denied my claim and continued to tell me that the transaction was legitimate without any real evidence of me making this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Credit card

Re : Refund from closed Chase Account I paid for a flight on British Airways using my now expired British Airways Chase Visa card XX/XX/XXXX. The flight was scheduled for XX/XX/XXXX. I cancelled the card XX/XX/XXXX, and the account closed officially by XX/XX/XXXX. I understand from the Chase credit card customer service representative that the account was removed from their system on XXXX/XXXX/XXXX. 
In XX/XX/XXXX, I canceled the flight on British Airways, and requested a refund from the merchant. Per British Airways, my card was refunded on XXXX/XXXX/XXXX, for the amount : {$610.00}. I informed them that the card had been canceled, but they assured me that Chase would send me a check for the amount, even though the account was closed. Since XX/XX/XXXX, I have tried repeatedly to get my money issued to me by Chase, but have been told in writing that they do not have any record of the account since the account was closed. I have documentation from British Airways that they sent the funds back to Chase, but to date, I have not yet received this check from Chase. I am requesting that you please intervene on my behalf, since I have no other recourse at this time. 
Please let me know if you need any more information. 
Thank you XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an 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, credit repair services, or other personal consumer reports

Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros
Product: Debt collection

I contacted merchant CB XXXX XX/XX/2018 spoke with a representative and I gave her my name only to find out they don't have any account for me just my twin brother so she continued to place me on hold asking for more personal information I did not feel comfortable after giving her personal information twice to give more info after I was put on hold everytime I gave her info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous accounts being reported incorrect. I have items that are well over 8 years they are currently reporting as a newer account that should be off my credit report. I have Inquiries that are false and some are not off my credit report. Last, they are reporting wrong information because they are receiving old Information from other credit bureaus and not actually getting the right information so my credit score is suffering because of this. This is lawless and Unconstitutional. These acts do not comply with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I the consumer sent EXPERIAN a dispute letter ( a copy of the letter and my consumer report will be submitted with this complaint ) on XX/XX/2022 demanding deletions of multiple accounts that were furnished on my consumer report. I NEVER gave EXPERIAN any written consent to report anything on my consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). This is identity theft. 

I have disputed this with EXPERIAN 7x through the CFPB portal to delete these alleged debts owed. Due to this identity theft committed by EXPERIAN and furnishing this information on a consumer report I suffered from their abuse. As a consumer I suffered from XXXX  and XXXX because I was unable to obtain employment and credit causing financial strain nor have I been able to obtain insurance or housing. My family and I suffered from the abuse caused by EXPERIAN. My family and I have been violated and this abuse is a violation according to 15USC 1692d. EXPERIAN knowingly and willfully obtained my consumer information and used it to furnish consumer reports. This is a violation according to 15 USC 1681q and is a fine under title 18, United States Code,.

As a consumer my right to privacy was also violated by furnishing consumer reports to from identity theft of my consumer information. Which violates 15 USC 1681 ( 4 ).

These false and misleading practices used to obtain my consumer information from XXXX XXXX and various other sources violates 15 USC 1692e ( 10 ) Sincerely XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a call from a 1-866 number that showed up as Bank of America. They said they were from the fraud department and detected someone accessing my account, needed me to change my USER ID and Password to the ones they provided. ( They never do that ) I hung up called Bank of America. They transferred me to Fraud and they said they did not call. 

But they wanted me to close my account as the person who called seemed to have detailed information about my banking. Since this is a few days before payday we could not. 

So they recommended I open a savings account move my money over. Which I did. 

Then they said log in to your account in the morning, and if all transactions look good transfer your funds over. As long as the funds are in the account by close of bank day there is no Over Draft or return fee 's. 

On the XXXX I had transactions come into my account, I agreed with them all so moved money over to cover them. I did the same on the XXXX. 

But on the XXXX I saw two items returned and NSF Fee 's calling into the bank they agreed that as long as the account is positive by end of bank day they never return items. 

But refused to refund the NSF fee 's saying they are valid. They are not.. 

As you can see when the XXXX XXXX and XXXX card payments went through the account did not go negative as I had transferred funds in the morning. 

Many of these companies have rules 2 returns in a 12 month window can close an account as well as flag you late on your payment. 

I followed explicitly what Bank of America asked me to do. As a consumer, the fact PLAID was compromised and my banking information leaked is not my fault.
Product: Debt collection

My late sister XXXX temporarily resided with me from XXXX to XXXX. 
She passed away in XXXX, XXXX. 
Unknown to me, she had several credit card accounts ( opened by her and in her name only as she was an adult at the time they were opened. ). 

On XXXX XXXX, XXXX and continuing randomly through XXXX, XXXX, I received thirty ( 30 ) calls from Portfolio Recovery Associates. ( PRA ). There was no message left indicating who they were attempting to locate or the purpose of their calls. I assumed there was some type of mistake and they had the wrong number. 
Since the calls continued, a call was placed to PRA on XXXX XXXX, XXXX and learned they were attempting to locate XXXX. The Customer Service Representative ( XXXX ) was advised of XXXX 's death and she said she would verify the information and remove my phone number from the call list. The calls stopped and no further calls were received for the remainder of XXXX. 

During XXXX XXXX, a collection letter was received via mail addressed to XXXX with my home address. On XXXX XXXX, a call was received from PRA and again, no message. 
A return call was made to PRA that same day and " XXXX XXXX '' was given the same information that was shared during the XXXX XXXX, XXXX call. 
I questioned why the calls were beginning again, since the information of XXXX 's death was given to PRA the previous year. It was also mentioned to the representative that it was assumed Portfolio Recovery would have access to various professional and informational databases especially the Social Security Death Index ( which would immediately verify XXXX 's death ) ; as well as a simple XXXX search which would have provided factual data that XXXX had indeed died. The representative did not answer any of those questions, only stating said she would verify the information and remove my phone number from the call list. 
No calls were received for the remainder of XXXX and all of XXXX. 

Thinking this situation was indeed finally over, I was shocked when the calls began again on XXXX XXXX and by year 's end had received thirty eight ( 38 ) calls from PRA . There were also two ( 2 ) additional collection letters received for XXXX with my home address. 

It is now XXXX, and the calls continue, eight ( 8 ) to date, and a fourth collection letter. 

So after four years and three months, 77 phone calls ( with no messages ) and two calls to PRA providing information that XXXX is still dead, the harassment continues. 

PRA purposely chooses ; to ignore that XXXX had passed away and refuses to verify her death ; to attempt to coerce and intimidate others for payment of a debt that only the deceased would be responsible ; to continue calling my home number ( which they said would be removed from their call list ) despite my best efforts to convey true and honest information ( that goes ignored ) causing undue XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was never late on the listed accounts and the creditor and credit bureaus keep adding late pays to my credit reports
Product: Credit card or prepaid card

I was not notified of a credit limit decrease before it happened. No advance adequate notice was given. The company substantially decreased my limit to point where the utilization on the card shot up to over 85 %. Which means this company is artificially manipulating my credit account, credit score, credit-worthiness, and credit report. This is done in order to drop my score to increase my rates and fees banks and other card issuers can charge. this is illegal and a violation of congressional law. This is " unauthorized use '' as defined under 15 USC 1602 ( p ). This is identity theft. They used my card to manipulate my balance and the interest they can charge, they are NOT the cardholder, they do NOT have actual, implied, or apparent authority for such use and from which I, the cardholder received no benefit. They provide a service for a fee, they are not the original creditor, I am, they are not my agent. I am my own agent. I, the cardholder, received no benefit. In fact, this unauthorized use is to my detriment, as it is causing XXXX XXXX, and significant damage to my reputation and credit score, credit-worthiness, and credit report. There have never been any issues with this account. Nothing in my account history with this card warrants such a decrease. The limit was decreased within a few days of receiving an on-time payment. 

There are no verified public records or collections on my report, which was one of the key factors the customer service representative told me that my limit was decreased. When speaking with the customer service representative I was not given a numerical credit score as defined in 15 USC 1681g ( f ) ( 2 ) ( A ), as this company took an adverse action against me based in whole or in part on any information they received in a consumer report. I did not authorize the inquiry that provided the report. The customer service representative told me XXXX furnished the report. I don't know how or why, when there are currently multiple accounts under dispute and under investigation ; they shouldn't be providing anyone with reports. Last month I tried to pull my own report through XXXX and could not pull XXXX because of disputes and investigations. So how is a card company able to pull my consumer report and I can not? Not only that, but then take an adverse action based on unverified information?