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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

During XX/XX/year>, I received a letter in the mail from Laurel Road ( Key Bank, N.A. NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) saying that my recently opened ( XX/XX/year> ) checking account ( ending in XXXX ) was going to be closed within the next 5 business days. They also said that any remaining balance would be sent to the account statement address in the form of a check. Therefore, I waited a few weeks, but the check never arrived. My online access was removed, so I could not check any status easily. However, based on the latest account statement, I knew the account had a balance of {$790.00} dollars. 

I ended up calling the bank, and they confirmed on the initial call that I was going to receive the check soon, however, after a few weeks it did not arrive. I called again, and now the customer service rep told me they need to receive a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so that the funds can be sent back to the original account where they came from, which would be also OK since that was the account of my husbands employer. Ive called Laurel Road multiple times, and they say they are still waiting for XXXX to respond to their letter, its been more than 4 months and the funds are still on hold. Laurel Road says they cant do anything until they receive a response from XXXX. Therefore, Ive asked them to provide more information about the letter or a copy of it, so I can follow up with XXXX, but they say they can provide that information. 

Ive also called XXXX to inquire about the letter and the status of the request, but they cant find anything, it makes it difficult for me to recover the funds since Laurel Road does not want to provide a case number or a copy of the letter.
Product: Checking or savings account

On XX/XX/26 I opened a savings account with Capitol One that had a {$500.00} bonus. In the terms it stated - " To earn a bonus your account must be funded with at least {$50000.00} in new money from an external bank within the first 10 days of account opening ( Initial Funding Period ). You must maintain your daily balance for the first 90 days following the initial Funding Period. If we determine you satisfy the eligibility requirements, then we will deposit the bonus money into your account within 60 days following the 90-day balance maintenance period. '' There were no other requirements shown on my confirmation page, I have screen shots ; and the email confirmation I received from them said - " XXXX, Way to go! You made a smart choice to open your new 360 Money Market account from Capital One. And dont forgetsince you opened your account with promo code XXXX, you have the opportunity to earn a cash bonus. '' This email also confirmed that I had opened my account using this promo. I followed all terms but 6 months later I realized that Capital One had not deposited the bonus into my account so I contacted them on XX/XX/XXXX, they confirmed that I made the initial funding period and said they would look into it. On XX/XX/XXXX I had not received any response, nor funds, and called Capitol One again. The representative said that I was not eligible because in the 90 's I opened a joint account with my then underage niece with ING direct ( a bank Capital One apparently absorbed ) which somehow made me ineligible. This is just plain wrong, and clearly a bait and switch situation! Capital One held onto a large amount of my money under the guise of a promotion for greater than 6 months and now refuses to make good on their promises. Had they contacted me and told me that I was ineligible at any point prior to the 6 months of having my funds, I would have withdrawn them immediately and understood, but that would have affected their bottom line and made them seem honest. The treatment I received was completely unethical.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an application and was unable to finish it. XXXX pulled my credit based upon an incomplete application that I never submitted.
Product: Vehicle loan or lease

To my knowledge, I was never late this many times on my Credit Acceptance auto loan with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 days past due in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have had this auto loan since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> disputes were sent to XXXX in an attempt to verify the information on my report. XXXX was asked to provide a debt validation letter along with proof of alleged debt that company claims was owed prior to having this reported on credit. XXXX was asked to check on the following accounts : XXXX XXXX XXXX, Capital One, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX Accounts details were not provided other than the same information seen on credit report and XXXX. Disputes were " updated '' as per XXXX and XXXX is reporting each of the debts on credit report. Additionally, the disputes are showing as credit card utilization when none of these accounts are open and are shown as charge offs by each company. Disputes were also made specifically to XXXX XXXX XXXX and XXXX XXXX XXXX. As per company website companies are not licensed to collect debts in NY. A request for licensing information and licensing numbers for each was sent also asked to be provided and was not. There is an additional charge off from XXXX XXXXXXXX XXXX that has a civil judgement currently open. A request to correct the misleading information being reported by XXXX  XXXX XXXX be corrected and it was denied. The account is currently being reported as a charge off and is showing in credit card utilization. A request to cease negative reporting was requested as active payments are being made but this was denied. Furthermore, not one alleged debt reported as a charge off has sent proof of 1099-C which is required by the IRS when a debt is considered cancelled or forgiven. Credit reports have been frozen across all 3 reporting agencies and not new debts have been reported or opened yet score continues to drop to the lowest it has even been with zero new debts.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Checking or savings account

I told XXXX XXXX bank manager ) that I was a victim of hackers and she is forcing me to pay someone to clean my phone when I Can do it myself and she said she will Not accept that and I explained that I do not have the funds for that and XXXX is demanding a receipt for a service that XXXX. I am capable Of doing myself and XXXX. I dont have the money to complete. I explained that my monthly check comes to this account and I am trying to change my number and account and XXXX refuses to do anything that I am asking until I have this receipt to give to her. She has not shown me any policy or contract that makes this ok.
Product: Debt collection

I sent two debt validation letters to Transfinacial in regards to two medical collections that are reporting on my credit report. Instead the company sent me a detailed list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

enclosed you will find what you said you guys did o solve his problem bu their still on my report
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. 


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 XXXXXXXX, XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 card

I was charged for something I didnt order. I paid the real balance owed and canceled the card XXXX months ago. I keep getting texts saying I had ordered XXXX XXXX XXXX  and owe {$380.00}. There is a {$600.00} bill on the canceled card that Citibank keeps trying to collect. I have called Citibank about XXXX times to no avail. I can only reach another person who cant deal with the situation and says they will transfer me. I get another person who cant help me. I only have XXXX subscription to XXXX XXXX premium that is valid until XX/XX/year>. I have paid for that. 
I will not pay a new balance on a canceled card and never used Citibank to pay for XXXX XXXX. This same situation has happened XXXX before! XXXX
Product: Credit card

I 'm tired of the calls from Synchrony Bank for XXXX XXXX XXXX XXXX Credit Card. I 'm unable to pay the card in the full minimum balance that keeps increasing each month. I talked to them to help in the hard ship situation but they keep calling. I WANT THE CALLS TO STOP!!! I wish I NEVER got the card. 

Apart from this month, I 've missed XXXX payment, but they make it seem as though missed so many. they give you options of amount to pay, if they do n't want me to used those optional payment amounts, why do they offer them, then they call me as though I have n't paid them. Yes, I 'm going through financial hardship at this time, but the calls are so annoying. And I feel harrassed.
Product: Checking or savings account

On XX/XX/XXXX I made a deposit and try Iog in to my bank account and I was denied, the next day I call and they said they close my account and they decide not to tell why. 
They said my money will be mailed out the next day. 
It's XX/XX/XXXX and my money still in the account, they been giving me the run around for 3 weeks keep saying the bank haven't not answer their request, to call back in 5 days, I been told that about 3 times already. spoke with a supervisor name XXXX and now she ignoring my calls and not picking up my calls when I get transfer to her. They close my account for no reason, they didn't tell me why and they still my holding my in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to XXXX  ; XXXX and Transunion a balance due of {$63000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I traded this vehicle in and XXXX XXXX was paid in full. ( Please see attached Account Closed summary dated XX/XX/XXXX, as well as the Last Payment statement dated XX/XX/XXXX. ) This false reporting of a closed account with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act XXXX  DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX and XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX, XXXXXXXX XXXX DATE : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX DATE : XX/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 a account without my written instructions. ALSO THESE inquires are in itself fraudulent and not done by more nor my consent
Product: Mortgage

I SPECIFICALLY REQUESTED THESE DOCUMENTS BELOW AND WAS IGNORED AND SENT THE SAME OLD COPY OF DOCUMENTS THAT I SOLELY SIGNED. I AM REQUESTING SPECIFIC DOCUMENTS AND THEY ARE LISTED BELOW : 1. The mortgage contract is void ab-initio because Midland Mortgage a division of MidFirst Bank lied and never intended to lend a single cent of their own asset or depositors money to the buyer ( XXXX XXXX XXXX XXXX 
A valid contract must have lawful or valuable consideration. The contract failed for anticipated breach. Midland Mortgage a division of MidFirst Bank never planned to give the buyer/borrower ( XXXX XXXX XXXX any valuable consideration. 

2. Midland Mortgage a division of MidFirst Bank breached all its fiduciary duties to the buyer ( XXXX XXXX ) and is therefore guilty of criminal breach of trust by failing in its good faith requirement. 
Midland Mortgage a division of MidFirst Bank concealed the fact from the buyer ( XXXX XXXX ) that it would be using the buyers ( XXXX XXXX ) promissory notes ; first to clear all the liens and encumbrances in order to convey clear title to the buyer ( XXXX XXXX ) and then use the second promissory note to obtain money from the Federal Reserve Bank or other institutions that by and sell mortgage-backed security. Midland Mortgage a division of MidFirst received up to three times the amount of money required to purchase the property and kept the proceeds to itself without telling the buyer ( XXXX XXXX ). 

3. Midland Mortgage a division of MidFirst Bank violated its corporate charter by lending credit or nothing at all to the buyer ( XXXX XXXX ) and then charging interests on make believe loan. Banks are only licensed to lend their own money, not other peoples money. Midland Mortgage a division of MidFirst Bank used the buyer ( s ) ( XXXX XXXX ) promissory note to clear the title which essentially purchased the property from the seller. This transaction is an ultra vires transaction because Midland Mortgage a division of MidFirst Bank has engaged in a contract outside of its lawful mandate. An ultra vires contract is void or voidable because it is non-existent in law. 

4. Everyone involved in this undertaking with Midland Mortgage a division of MidFirst Bank, starting with the loan or mortgage officer, the lawyers, the land title office and even the central bank are equally guilty by association by aiding and abetting Midland Mortgage a division of MidFirst Bank in its commission of its crimes against the buyer ( XXXX XXXX ) and the people who would eventually have to absorb all of the loss through increased taxes, etc. 

SEND THE SPECIFIC DOCUMENTS REQUESTED THAT WAS STATED IN THE DOCUMENTS THAT WAS SENT CERTIFIED MAIL NUMEROUS TIMES. IF THOSE DOCUMENTS CAN NOT BE PROVIDED THERE WILL BE FURTHER CONSEQUENCES. 

THANK YOU!
Product: Payday loan, title loan, or personal loan

I financed my solar panels through Mosaic. At the time, XXXX  XXXX, now XXXX XXXX, offered the financing through Mosaic. I was told by the representatives that I would receive a tax credit and that tax credit could be used to maintain the initial monthly payments. I later found out that I would not receive any money back from the panels, instead there would be credits issued over a number of years when I file my taxes. On the mosaic contract, it stated that if I paid roughly {$20000.00} on the loan, I could keep the payments of XXXX monthly. If not, the monthly payments would go up to roughly {$500.00} per month. I had no idea that I would not receive actual money from the tax rebates. I contacted mosaic on several occasions and asked them to keep my payments at {$350.00} since there was no way possible I could just pay the money from the tax rebates. I was told that the payments would remain the same. 
Let me first state that I wanted the panels and did not have a problem making the monthly payments. My concern are the deceptive practices. They tell customers that they will receive a tax credit as if there is actual money coming from the irs when that is not true. I was thinking that I was going to receive money to be applied to the loan to keep my payments low and thats not what happened. 
I am complaining to this agency so that something can be done to warn companies of their deceptive practices and predatory lending practices.
Product: Mortgage

I 've been a customer of yours for years, and I tried to refi with you to drop my pmi. I was told you needed a an appraisal of the house and charge me {$500.00} for it but before I gave you my visa number I was informed that if the loan didnot go thru I would be refunded. I did not think there would be a problem because on XXXX and XXXX my house was valued over {$110000.00} but my appraisal came in at {$100000.00} Seriously? How can both internet cites be that far off plus homes around me recently sold over {$120000.00} ( see attatched ) so my loan did not not go thru and you only refunded {$170.00} of my {$500.00} Are you willing to lose a loyal customer who has always payed on time over the {$320.00} you still owe me? Here are home values close to me SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX sqft XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX sqft XXXX XXXX XXXX , XXXX, PA XXXX :
Product: Credit reporting or other personal consumer reports

I have been dealing with the most unscrupulous creditor who has reported XXXX different accounts on my XXXX credit bureaus, LVNV Funding LLC. The XXXX accounts reported by LVNV show that they are the " original creditor '' and accounts opened on XX/XX/XXXX and XX/XX/XXXX. Account one on XX/XX/XXXX for {$870.00} and the second on XX/XX/XXXX for {$440.00}. 
I have sent letters to all XXXX  bureaus disputing the aforementioned accounts and requested they provide me with the origination documents, payments, statements, etc. I am the victim of serious identity theft, doxxing, and fraud, all of which I have provided proof to the XXXX credit bureaus and applied a freeze to my accounts with each. LVNV has provided nothing and continues to report false and inaccurate information for well over a year. The identity theft I have been subject to caused financial disparity with all my banking, credit cards, utility accounts, social media, and the fraudulent use of my identity in opening of fraudulent accounts. I have attached all relevant information showing the identity theft and steps taken to recover from the disparagement, yet LVNV Funding continues to be part of the problem. After a year of having my case investigated by the IC3 ( FBI ) and finding the perpetrators, I have filed a civil case for Fraud, identity theft, and violations under the " Right to Reputation '' civil protection laws in XXXX.
Product: Checking or savings account

Hi, I need funds $ XXXX from my Citi bank account for my closing yesterday ( XX/XX/XXXX ). The bank has locked my account for unknown reason and not releasing my funds, which is causing uncertainty and stress. Could you please help?
Product: Credit reporting

Experian is n't removing XXXX accounts ( medical collections with XXXX XXXX XXXX ) which they claim have been verified. The company agreed to remove the items from my report when I paid the account over a year ago on XXXX & 3 years ago on the other. I have n't used my credit in years so I was unaware of the negativity still being reported. I would like Experian & XXXX to remove these accounts immediately.