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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Mortgage

Applied for a mortgage with XXXX XXXX, XXXX ID # XXXX, and my credit profile was pulled by the loan originator. After that, I never heard from the agent again after making several attempts to contact him through email and phone.
Product: Checking or savings account

I have been baking with Wells Fargo for about eight years for some reason my account went overdraft XXXX XXXX dollars they saying that I owe them and I had a check coming in my account so they put the money that I owe them on the side and let me receive my check which does not make any sense which cause my account to be overdressed {$2000.00}
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing items, even when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA. If you choose to not remove the following items listed below which are reporting inaccurately due to inaccurate credit reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are erroneous credit report data & were opened without my consent or knowledge : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I also added here my new FTC report with reference number XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit card

I made a purchase using XXXX  and had returned it. The app never credited my car not my debit account and then took a monthly fee out of my account of {$7.00}. I disputed this charge, received a new card with new card number and asked sofi to block that particular merchant. Since XXXX of last year I have been getting notifications after notification some up to XXXX times a week, that my card was declined for a debit by then. I contacted sofi many times how could they be, I even went through plaid and disconnect them that way. Some how on XX/XX/2024 they where able to direct debit my account for XXXX XXXX and then directly after another decline. Then XXXX days later a debit card transaction by them. I have not even been on the app or have I directly or indirectly given them my new card number since the disputed transaction. Some how this company was able to still debit my account and steal my debit card number somehow someway because if I didn't give it to them, they had to have stolen it. They didn't have my permission written or otherwise, never informed me of the date time and amount of transactions, I had told them through support and emails that they were no longer authorized, and over XXXX times I've had declined transactions from them and the XXXX time I do start using that account again they had succesfull taken an unauthorized transactions out of my account. I sent a demand email to them again and this time they are asking which ones and ignoring my question of how they got my card number and ignoring my demands for compensation for each failed transaction and acting like nothing happened... Someone's should be locked up
Product: Credit reporting or other personal consumer reports

Mohela sent me a forgiveness letter XX/XX/2023. XXXX stating the furnisher provided them information on two disputes that my balance is not XXXX. XXXX refusing to fully investigate the dispute and reporting inaccurate information on my credit report. The account is closed with a XXXX balance. Mohela could not have reported my balance of {$29000.00} in XXXX and my ledger balance from there online portal is XXXX. Please see photos of my Mohela account, forgiveness letter, screenshot of disputes not resolved since XX/XX/2023.
Product: Credit card or prepaid card

XX/XX/2023 I called the customer care line provided by Avants website ( XXXX ). I told the agent I lost my card and they transferred me to another representative, the next representative said they would have to transfer me as well, stating they'll they were having technical issues as the reason. The representative eventually hung up when I asked why. I went back to the Avant mobile app, to where I see my card number has been changed. I call and ask why, this representative tells me the new card was issued and sent already. I found this to be odd because I was requesting that my card be sent to a new address. All my mail to the address on file with Avant is to be forwarded to my po box in NC, I assumed I'd wait. I waited for the card and all I found is that my card had been used at a gas station in XXXX, NY. I'm currently located and scheduled for work in Virginia Beach, it's impossible that my card was activated and used to my knowledge.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the acvounts listed below has violated my rights. 
15 U.S.C 1681 Section 604 A section 2 It states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXX/XX/XXXX Balance XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$100.00} / XXXX XXXX XXXXXX/XX/XXXX balance XXXX XXXX XXXX XX/XX/XXXX balance XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX balance $ XXXX XXXXXXXX XXXX  XX/XX/XXXX Balance {$120.00} INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2015, I opened an account with Comenity Bank at the age of XXXX years old. I had just turned XXXX, and was fresh, young and naive. I never really knew when my bill was due, as I thought I was set up with auto-pay when I signed up for the card. I ended up getting behind on my payments, and the because of interest I ended up owing way more on the account than what was even credited to me and it ended up going to collections. I am now XXXX years old, I have paid off all my debt with those collections in full, but they are all still reporting as derogatory marks on my credit report which is causing a lot of personal, business and financial issues in my life.I have a child now, and I am not able to get a second car for our growing family, a mortgage, or any of life 's necessities because of this issue. These accounts have been paid in full for over 6+ months, I reached out to the companies and the creditors are refusing to take these derogatory marks off my report.
Product: Credit reporting

No choice accurately describes my issue with Equifax. I received notice from XXXX ( through an initial fraud alert ) that my address had changed at Equifax. I tried to call them to get it changed back. A ) they are darned near impossible to get a hold of and B ) when you do actually get a human being, they quickly disconnect/hang up you. Also, if you want to initiate a fraud alert through their website, they charge you a fee which they are n't supposed to do. I was able to set up one through their automated telephone system but when it was supposed to transfer me to a live human being, it hung up on me instead. So basically, there is no way to contact Equifax to fix my credit reporting. Also, while you are on hold for 30+ minutes, EVERY 10 SECONDS they tell you to go to the website instead.
Product: Credit card or prepaid card

My card ending with XXXX got the fraud for a cell phone refill to charge {$550.00} on XX/XX/2021 and I disputed this to Citi Bank on XXXX XXXX.Customer service told me this account is been closed and I don't need to pay the balance. 

In the meantime, nobody tells me what is the next step or what will happen therefore I didn't cancel my auto-pay settings. Citi bank run auto pay to this account on XX/XX/2021, for {$800.00} and result in my checking account overdraft with a fee of {$34.00} per day. 

I called customer service, they transferred me to 3 different departments and all said to have to wait more days and only credit me back the fraud amount. NO solution. 

I understand the investigation takes time but they can not charge me first and hurt me again. We use a credit card is for protect my money not lost money. 

In my understanding, this kind of fraud transaction should behold until the investigation is complete. Not push customers to pay first and credit back. And also, follow-up is important with simply call, text and email to let customers know what they may expect on.
Product: Mortgage

My estranged wife and I decided to go our separate ways and I could not keep up the mortgage payments on my income alone. We tried to rectify the default by putting the home on the market for the full price but we got no offers that would pay off the mortgage and closing costs. I need an additional XXXX  days to get through the short sale process with the mortgage company.
Product: Money transfer, virtual currency, or money service

I went to use my paypal account which I had over 16 years but PayPal freeze my account with no access to my balance of {$360.00}. I have submitted all the requested information including my bank statement & identification. This was fine before in XX/XX/XXXX. In light of the recent data breaches, Im very concerned with PayPal keeping requesting these information. It appears that PayPal is not properly maintaining records thus inconveniencing their customers. Today, XX/XX/XXXX, I spoke with an account a male named XXXX ID # XXXX who at XXXX said didnt see documents but then questioned me about my name. I requested a supervisor he said that one was not available, he would send an email requesting XXXX. I called back & spoke with a female named XXXX who refused to give her ID # but would request a supervisor. I wanted to file a complaint with Paypal but XXXX gave me this # XXXX but XXXX ignored my request.
Product: Mortgage

I have a mortgage through Flagstar Bank that I feel behind on in XXXX. I began a modification process in XXXX XXXX and was placed on a trail period with payments {$100.00} more than original payments. After successfully making XXXX payments I was told paperwork would be sent in the mail regarding the modification. I received a packet that contained documents to be signed by a notary and a witness with a due date just days after receipt. After reviewing the documents it was obvious that no previous payments were credited to my account. Additionally, I was asked to pay closing costs, an additional {$40000.00} for my home and to start the 30 year term over again. I called today to make another `` trail period payment '' and to discuss the issues I had with documentation when I was told that my file was closed and I would have to reapply for a modification. I was told that my home was going back into forclosure process and they were not able to take my payment. My " single point of contact '' was not available to communicate with and I was forwarded to a voicemail after asking who I could speak to about these issues.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ) in 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. Transunion, Equifax and Experian function as consumer reporting agencies, and I, as the consumer, possess the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801. This statute asserts the congressional policy that financial institutions must actively and consistently uphold customer privacy, safeguarding the security and confidentiality of nonpublic personal information.

Entities furnishing information to credit agencies, defined as financial institutions, fall under the scope of 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies may only provide a consumer report based on the written instructions of the respective consumer. In this case, the financial institution ( furnisher of information to credit agencies ) and the consumer reporting agencies ( Transunion, XXXX and XXXX ) lack my consent, written or otherwise, to furnish this information. Any previous consent provided to these entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise the option to prevent such disclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

In addition, 15 USC 1681C ( a ) ( 5 ) specifies that a consumer reporting agency may not include certain adverse items of information in a consumer report, and this includes any adverse information that predates the report by more than seven years. The account in question is an adverse item being reported without my permission, which is a violation of the law. 

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) asserts that a person should not furnish information to a consumer reporting agency if they know or reasonably believe the information is inaccurate. Transunion, XXXX and XXXX are not adhering to reasonable procedures to avoid violations of the FCRA. 

Finally, according to 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any time. Therefore, I am opting out of the reporting services provided by these agencies.
Product: Checking or savings account

I have funds being held by U.S Bank totaling up to XXXX $ I have not received this payment back yet its going on 3 years now the bank is still holding my funds. I have been to numerous bank locations provided information to support that these are my funds due to them asking me to provide a tax return from a previous year which has no relation to my funds being held, XXXX the branch manager on XXXX XXXX XXXX in XXXX Ohio has ignored all of my emails after refunding me only a small portion of these funds after suspecting fraud that never occurred, I was told the funds would be back to my lender which my lender has confirmed that never occurred me and my lawyer are currently in the process of filing class action lawsuit in regards to this. Due to this this has caused damage to XXXX XXXX during COVID which cost decrease in my XXXX XXXX XXXX this occurred 2021 I have been getting the run around since, I am always told to call a number when going to the branch but the number tells me to go to the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send Trans Union Dispute about False Inquiry on my credit report. Trans Union is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry. Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave No One any written consent to report anything on my consumer reports no consent is Fraud and Under 15 U.S Code 1602 ( p ) - Unauthorized use of my Information. Remove all of the fraudulent Inquiry off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my bank records, the payment was made before the due date. I have attached payment confirmation and bank statements for your reference.

Clerical Error in Reporting : There seems to be an inconsistency in the payment date reported versus the actual payment date. My records show no outstanding payments during the reported period. 
Account Closed Before the Reported Late Payment : This account was closed and paid in full prior to the date the late payment was recorded. Documents showing the closure and final balance are attached.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

On XX/XX/year> I filed my application for the School Misconduct Discharge with XXXX, my loan servicer. My application was subsequently denied with only a vague explanation that it did not meet the requirements for discharge. This did not make sense so I emailed an inquiry as to the specific reasons my application was denied, but by this time, XXXX had moved my loan to a different servicer and I was told to direct my inquiry to Mohela, my new loan servicer. Mohela responded with yet another vague explanation for the denial, stating that they consider a variety of factors in determining whether a loan should be discharged, but they are confidential and proprietary, and only that my case did not meet the standards.
Product: Credit reporting or other personal consumer reports

in the XXXX the account from XXXX for {$1700.00} is not mine.