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

Ijustrecentlylookedatmycreditreport.Isawsomehardinquiresthatdidnothavepermissiblepurposenorweretheyauthorizedbyme.thereforebeingaresultofidentitytheftIalsohaveevidenceandFTCreportdetailingtheaccountsinquestion. 

15USCFair Credit Reporting Actanything furnished on my Consumer Reportmust have permissible purpose.

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. 

AccordingtoUSC1681Estatesa consumer reporting agency prepares aconsumer report it shall followreasonable procedure to assure maximum possible possible accuracy of theinformation concerning the individualabout whom the report relates .Thisreportisnotaccurate XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX
Product: Checking or savings account

I have been trying to call for the past week regarding opening a checking account. 

Here 's the issue I've been having. I can't open it online because it tells me to call to verify my details. So I call. I've called multiple times and even got another phone number to call to their fraud department ( XXXX ) XXXX. None of which can help me. 
I created a profile years ago when I enlisted in the XXXX, but do not remember the details. ( username, 4 digit pin ), so they verify me another way by asking a set of questions only I'd know the answers to. They are able to verify me no issue that way. 
The issue arises after. I have a restriction on my account that NO one is able to help me with. They tell me the only way to get the restriction lifted is to go to USAA.com and upload a copy of the front and back of my ID.I have done that now and they said the verification has failed. How has it failed? So I uploaded it again in hopes this time it doesn't fail. Im filing a complaint in hopes to get some help. Im uploading my ID perfectly fine. When I go to upload it, it asks for my phone number but my number has changed from what's on the profile I created years ago. I don't remember any info on the profile. The only info I remember is my own info obviously ( social, dob, etc. ) which should be enough to lift the restriction. I've uploaded my ID and no one ever calls me regarding it. This company is so hard to get a hold of regarding this issue and everyone is so clueless im hoping this reaches someone higher who can verify me, and lift this restriction so I can apply for a simple checking account. That's literally all. After doing research it seems as if others are having the same issue, USAA customer service is non existent and when it is present, it lacks so much. So let 's see if someone at that company can prove me wrong and verify me and lift this dang restriction. 
Attached will be copies of my Drivers license AND a copy of my passport so theres no verification issues. Also will be attached a current paystub for my current mailing address. Please lift this dang restriction!! Or contact me on my phone number to do it. I'll fax anything. over, Ill mail anything, I would just love to get out of XXXX XXXX and move banks. I am eligible, I have served in the military. I just need this XXXX restriction removed please. Thank you.
Product: Credit reporting, credit repair services, 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. 

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, have violated my rights. 

1

5 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 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

Despite making timely payments to XXXX mortgage lender/Lakeview servicer, the organization has failed to make timely property tax payments resulting in penalty and interest accumulating on the account. Lender/servicer has also deducted amounts from the escrow account in excess than what was due for property taxes. 

Timeline : -Property tax bill issued XX/XX/XXXX XXXX showing {$1300.00} due for XXXX -LakeviewXXXX deducted {$1500.00} from escrow on XX/XX/XXXX XXXX for tax disbursement -Called Lakeview in XXXX to inquire about issue, and finally on XX/XX/XXXX, XX/XX/XXXX XXXX -Submitted waiver request form to XXXX on XX/XX/XXXX, to recover excess amount paid by Lakeview -Contacted XXXX to follow up on waiver request XX/XX/XXXX XXXX -Received reply from Real Property Program Specialist at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX who indicated no payment was ever received from Lakeview/XXXX -Sent letter to Lakeview/XXXX via certified mail on XX/XX/XXXX XXXX requesting a resolution to the nonpayment, penalty/interest issues and to correct the amount deducted from escrow. Also sent a digital copy of the letter using a form on the company 's website. 
-Received confirmation from Lakeview/XXXX  on XX/XX/XXXX that the letter was received -The accounts have not been corrected and there has been no response from Lakeview/XXXX to the XX/XX/XXXX letter.
Product: Checking or savings account

I made a cash deposit of over XXXX dollars on a car sale. Made at a branch deposit XXXX.The transaction never appeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 received a solicitation by mail on XX/XX/2021 which stated in bold print '' EXPIRATION NOTICE '' on an FHA loan with XX/XX/XXXX. Please note that I do not have a mortgage with this company, nor are they a servicing agent for the mortgagee of the only mortgage loan I have on my primary residence, which is with XX/XX/XXXX. In this solicitation it states the following : " FHA Guidelines require a waiting period in XXXX XXXX, NY to access certain options through your FHA loan ''. It further states : " Our review has indicated that your waiting period has been marked as expired as of XX/XX/2021 and that you have not accessed your equity reserved of $ XXXX XXXX I delete the amount because I consider this to be private, yet it was shown in the solicitation ) or other loan options. Please call our Program Customer Support Representatives at XXXX by XX/XX/2021 to receive a detailed explanation of the options available t and how to access them. '' The remainder of the letter provides the contact information, as well as a notice that this is a third party offer from XXXX XXXX and is not approved nor affiliated with my current lender, FHA< HUD, or any other governmental agency. 

While this is an solicitation that is allowable by law my problem with it is that is states, at the top of the notice, that it is a " Expiration Notice '' which, in the body of the notice/solicitation, refers to my FHA loan ; however, it has nothing to do with my current mortgage.
Product: Checking or savings account

Hi there, The website asked me a couple of questions to get to this page and I dont know if I answered them properly, but I am trying to get in contact with somebody regarding the Wells Fargo lawsuit or class action lawsuit. Im not really sure what is going on with that but I saw there anyone with a Wells Fargo account from XXXX to XXXX was eligible to receive a pay out and I wanted further information on this. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

In XXXX Synchrony closed the XXXX accounts I have had for year with XXXX 's, XXXX, and XXXX. 
All accounts were in good standing, never missed a payment or was late. Paid most account balances in full on, or before due dater. 
XX/XX/XXXX I tried using XXXX 's card and it was declined. I checked and same with XXXX and XXXX. I talked to XXXX people at Synchrony. Could not tell me why, " You will get a letter ''. 
I did and all it said on all XXXX was " Activity with Synchrony indicative of high risk of failure to pay ''. I called back and got the same answer. The lady said I could file a dispute with XXXX that Synchrony used to grant credit. I did and after 30 days I received a report that I could find nothing absolutely nothing in it for their action. The lady at XXXX stated that my credit looked good. She suggested that I reapply to XXXX I did, they issued me another card with {$8000.00} line of credit after running a credit check with XXXX. I tried to use my new card at XXXX today and it declined. It too has been canceled. 
I am attaching the report from XXXX and XXXX after my dispute. The XXXX Report never gave me a ligitimate reason for XXXX 's action, My credit score with XXXX is over XXXX and in high XXXX with the other XXXX. 
I need help. I am a retired veteran and use XXXX for my military discount. I use my XXXX to Scan and get a 5 % discount. 
I have checked my credit files and can find anything indicating I am high risk I have sufficient income to handle anything I purchase on credit. My equation Outstanding amount to balances is extremely low. 
Please help me understand the closing of XXXX good accounts that are excellent in payment history. .I have sense asked XXXX to file a new dispute. Have not heard anything from them. XXXX was very helpful but I never found out wny?
Product: Mortgage

I applied ( XXXX ) to refinance an existing 30yr fixed mortgage to another 30yr fixed with Quicken Loans. The initial process was fine. Upon applying I made it clear that one of my properties was newly purchased and I had only XXXX ownership of the property and had not even met the other owners nor have all the typical paperwork like insurance or property tax bills. At underwriting, the underwriter for my refi loan with QL insisted that I send a copy of the hazard insurance premium. I repeatedly told them I did not have it and all I could do was contact the owner in charge of paying the premium who had that information. I wrote a signed letter explaining the XXXX ownership, what the insurance premium was for the year ( split 8 ways ) and what my monthly costs were for the XXXX ownership. The underwriter did not accept this. Eventually I was able to find out the insurance policy and have the insurance company send me a copy of the premium to forward to QL. During this time ( XXXX ), I was also given a redisclosure document set that showed increased loan costs. The increase reflected an outrageous increase for the property assessment. At this point, I was frustrated with the experience at QL and posted some low scoring reviews on websites regarding QL. My reviews were factually correct. After about two weeks, I received another redisclosure document set that showed increased origination charges and a " condo insurance fee. '' At this point, I believed the increased charges stemmed from my negative reviews. I asked repeatedly to change the increased charges but I was given the run around or told they would while no changes were actually made. The second redisclosure set of documents were deleted from the electronic dashboard of all the loan docs, which I was using as proof they were increasing the loan fees. I have a printed copy, which perhaps they were not counting on. Finally, I asked for my {$500.00} Good Faith Deposit back so we could go our separate ways ( since they insist on keeping the increased fees that should n't have increased ). I was told today ( XXXX ) that they would not return my GFD of {$500.00}. I explained that I HAVE acted in " good faith '' during this process, but they are refusing to take off the increased charges and are acting very shady.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX ...., XXXX XXXX XXXXXXXX XXXX ....
Product: Credit reporting or other personal consumer reports

I am writing to address the recent communication I received from Chex system regarding my identity theft report. I was informed that my request to block certain information related to identity theft was denied on the grounds that I did not file a police report. However, I would like to clarify that the law does not specifically require a police report for this purpose. 
According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft within four business days after receiving. 
In compliance with these requirements, I have filed a report with the Federal Trade Commission ( FTC ), which is a federal government agency. According to the law, this is a sufficient form of an identity theft report. 
Nowhere in this definition does it state that a police report is the only valid form of an identity theft report. The law clearly includes reports filed with various government agencies as valid.
Product: Credit card or prepaid card

To Whom It May Concern : Elan Financial Services closed my XXXX XXXX XXXX  card after receiving fraudulent information from a third party, without contacting me to confirm any of the provided information. 
I am in receipt of your correspondence dated XX/XX/2022, ref # XXXX. This correspondence is in response to my document dated XX/XX/2022, in regard to the closure of my XXXX XXXX XXXX XXXX XXXX Card account, ending in XXXX. I am hereby informing you that you have violated my consumer rights and under 15 US Code 1691E you are civilly liable. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Elan Financial Services/ Cardmember Services has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1681M ( b ) ( 1 ) 5. 15 U.S Code 1637 Enclosed you will find an invoice for the abovementioned violations, with instructions where to send payment. 
BEST, XXXX XXXX XXXX  Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

For 2 years experian representatives fighting lowering my score Also my checking account hooked up to my XXXX account who also had a contract with experian credit bureau. Money missing from my checking account for 2 years until I filled complaint with experian. This is My first month XXXX checking statement that are checking account reflected are normal spending. For 2 years extra money has been withdrawn and no strange charges to identify where money is going from my checking account. Said checking account with XXXX  XXXX XXXX has been XXXX over are normal spending amount. This began after a fight with experian representative. I want the money stollen from me back for 2 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Communication via phone with Experian customer service last year ( XXXX ). 

I told them I believed I was a victim of the Experian hack on XX/XX/XXXX and XXXX, XXXX, due to not having access to my basic account to manage my security freeze online. 

I explained to them that I have yet to be able to access my limited Experian account via the website, which is preventing me from managing my security freeze or accessing my free credit report online. I called Experian to resolve this issue over three days and was on the phone for more than 5 hours with no resolution. It was even suggested by Experian customer service to create a new account with an email, the same way Experian customers were hacked on XX/XX/XXXX and XXXX, XXXX. 

My account has existed since XXXX ( I have provided my Membership ID and SSN ), and I could access my account in XXXX and XXXX, but customer service said my online account did not have any personal information, which I find strange. 

Also, I called today, XX/XX/XXXX, and was on the phone to resolve the issue with accessing my limited Experian account for over an hour. I was told my case was escalated before the call was dropped on Experians end. I will call back tomorrow to resolve the issue for the 5th time. 

Today, XX/XX/XXXX, I called the automated line to lift the security freeze on my credit file temporarily after supplying my data and security freeze pin during the automated process. I was transferred to customer service after verifying information via the automated system. The 1st customer service representative hung up on me. The 2nd customer representative stated that I needed an account and noted the same talking points as previous representatives. 

I asked both customer representatives to look at Complaint number # XXXX, so they could understand my frustration with Experian denying me access to managing my security freeze online and thru the automated phone system. It has been almost a year with no access or resolution to this issue. I am tired of my call being hung up and representatives dismissing my concerns ; I need to communicate with someone to assist me with this issue. 

Please resolve this issue as soon as possible because this prevents me from accessing my limited Experian account via the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.
Product: Student loan

I recently made a student loan payment for {$200.00} leaving about in arrears {$1800.00}. My income based repayment is about {$110.00} per month so I am in the process of catching it up. The issue is the American Education Services debited my bank account for the entire {$1800.00}. When I approved the online payment it said {$200.00} but they do n't send a confirmation email at the time of the payment to prove it is setup for the correct amount and they keep the only records of the online payment. So unless one has the foresight to screenshot the process you ca n't substantiate their mistake. Their customer service refuses to even discuss refunding the over payment. If they will not remedy the situation I will move my checking account to new bank and only pay them via cashier 's checks.
Product: Mortgage

I had a second mortgage with XXXX XXXXXXXX XXXX on property in XXXX, XXXX XXXX I filed for bankruptcy XXXX  years ago Had an agreement with XXXX  XXXX XXXX to pay {$100.00} towards the loan until completion. 
I have paid {$100.00} a month according to agreement for almost the last XXXX years. 
I paid XXXX XXXX XXXX XXXX months for XXXX {$1600.00} ( Attached ) XXXX XXXX XXXX sold to XXXX XXXX 
I paid XXXX XXXX for XXXX  months XXXX {$2500.00} ( Attached XXXX XXXX XXXX sold to Specialized Loan Servicing. ( SLS ) I paid SLS XXXX XXXX {$3100.00} ( Attached ) SLS acting as Loan sharks, by start of COVID-19 demanded more money, started extortion by harassing, terrorizing elderly ( I am close to XXXX XXXX XXXX ). with threats of " XXXX '', foreclosure, short-sale ...., .. creating such a stress that I developed XXXX XXXX and was XXXX 
I was forced to offer a settlement agreement of {$10000.00} ( borrowing from HUD and others ), the loan shark SLS counter offered {$11000.00} that I paid ( Attached ) The second mortgage is closed, mute. 
But the XXXX  SLS is after XXXX again that is equal to a XXXX XXXXXXXX 
I hope that the XXXX  organization be stopped before endanger our lives.
Product: Credit reporting or other personal consumer reports

someone opened fake accounts in my name. NOT MY ACCOUNT