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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX all have previously incorrectly reported my account on Florida Child Support. I made XXXX payments directly to my former wife of XXXX per month. On XXXX XXXX I went to XXXX Court and provided proof of payments to XXXX XXXX. 
The court amended my child support ledger to zero owed. This is a matter of record in the Florida Dept. of Revenue Website and the court which supervises same. 
The Credit bureaus refuse to correct their record, or add a statement from me which does same. They are required to delete disputed information within 30 days. They failed to comply. 
The years of inaccurate reporting caused me damage in threats to take my drivers license by the state, the actual taking of my passport ( which took all year and legal fees to rectify ), and a loss of several job opportunities abroad which we substantial. 
Perhaps a fine or sanction for them would deter future abuse of credit reportees? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl. XXXX XXXX XXXX
Product: Mortgage

I filed a previous complaint with the alleged Servicer and they have failed to reply. In my inquiry, I stated that I have not received documentation proving that the original promissory note was sold by the original investor to XXXX and then from XXXX to anyone else. I stated that I have submitted various modification requests during this year with no response. I further stated that the {$6300.00} paid directly to XXXX XXXX by the bankruptcy trustee and is unaccounted for on the loans payment history. Additionally, you I provided a copy of a document from the United States Bankruptcy Appellate Panel ( BAP ) regarding Subpoena prusuant to FRCP 45, for an evidentiary hearing and oral argument on XX/XX/XXXX. Loan Background and Status The loan originated on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX  XXXX dba XXXX. The previous servicer of the loan was allegedly XXXX XXXX, XXXX. XXXX allegedly became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX and an automatic stay is pending. In a previous response Caliber, failed to addressed concern regarding the payments submitted by the bankruptcy trustee, and they failed to verify that all pre- and post-petition payments were accurately posted to the loan and were reflected on the loans payment history. 

Caliber failed to provide the United States Bankruptcy Appellate Panel ( BAP ) the requested documentation. I told Caliber that I had submitted a loss mitigation application to be reviewed for a loan modification during a conversation with them in XX/XX/XXXX ; however, they claim they did not receive any documentation from me to initiate the loss mitigation process until I filed a complaint the the CFPB, and finally received documentation for a loss mitigation application package on XX/XX/XXXX. Now they claim that additional documentation is required, so they advised of such required documents which have been addressed and remitted and I am waiting for a reply. For additional information or clarification regarding the required documentation, they asked me to contact their Single Point of Contact ( SPOC ) Department at the number below. The documents were submitted by fax to XXXX, and mail to their Loss Mitigation Department at XXXX XXXX XXXX, XXXX  XXXX, OK XXXX, by email to : XXXX, or by uploading them through their website. Also they stated if I have additional questions or concerns regarding the loan, to contact their SPOC Department at XXXX. I attach a copy of the BAP Order they have ignored.
Product: Student loan

I want to switch to the XXXX plan. I can only get to a certain point in the process before I am told I must call in to them and can not complete the process online. I have been on calls longer than an hour hold only to be disconnected. I have sent multiple emails that note reply in XXXX business days ; its been weeks for each attempt. The chat line notes that it is inactive. There is no way to communicate with this company to accomplish what I need to do, which is to switch my repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX 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

As a victim of Equifax data breach and upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are mine and negatively impacted. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information from my credit file upon receipt of notice and supporting documentation. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all fraudulent negative and critical accounts. 
Accounts to be removed and blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was also refused credit by the lenders listed below. Adverse action against a consumer is prohibited by 15 USC 1691c and 15 USC 1692k and is punishable by civil liability. These businesses are in violation of 15 USC 1691 because I have proof that I was the victim of discrimination due to the reaction I received. My social Security ( my credit card ) was used but I received nothing in return. Please remove the unauthorized inquiries and incorrect personal information from my consumer report. 
Inquiries to be removed and blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information information to be removed and blocked : Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employment Info : Ambitions Mins Learning Center To facilitate your investigation, I am providing the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX. 
Let me remind you that any negative accounts/remarks on my credit report are illegal under the FCRA and FDCPA if you can not provide evidence to support them. I never gave my official consent for this information to be disclosed. You must block and remove these accounts off my credit report if you can't give detailed documentation about your validation, verification, and compliance procedures. 
Best regards, XXXX XXXX
Product: Credit reporting

There is a collection account through a company I have n't had services with for a long time. My account was closed and paid for. This is unknown to me. I need this company to validate this
Product: Checking or savings account

On the night of XX/XX/XXXX or early in the morning ofXX/XX/XXXX my debit card from Chase Bank was stolen from XXXX XXXX XXXX XXXX. It was used for the transactions listed below, totaling {$670.00}. I reported the card stolen the next day ( Claim # XXXX was assigned to my case ) to Chase Bank over the phone and it was put on hold. I was also told I needed to go in person to the Bank in order to complete the claim. On MondayXX/XX/XXXX I visited the chase bank at XXXX XXXX XXXX XXXX XXXX, WI XXXX and spoke with someone who assured me it would all be taken care of. The {$670.00} was credited back to my account. After a review process I was told by chase ( on XXXX ) that due to inconsistencies and the fact that the person who used my card was able to correctly input my PIN # chase bank was taking away the {$670.00} credit they had previously given me. Therefore I am losing {$670.00} from my bank account.
1 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 2 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 3 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$4.00} Cash Back {$20.00} Debit card transaction {$24.00} 4 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$9.00} Cash Back {$20.00} Debit card transaction {$29.00} 5 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$2.00} Cash Back {$20.00} Debit card transaction {$22.00} 6 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 7 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 8 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 9 ) XXXX XXXX XXXX # XXXX XXXX WI XXXX XX/XX/XXXX Debit card transaction {$29.00} 10 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX  ATM transaction {$20.00} 11 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$40.00} 12 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 13 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 14 ) NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM transaction {$44.00}
Product: Debt collection

I have a few problems with this establishment 's tactics, so I will try to wrap it all up here. Armada corp has a monopoly on debt collection in XXXX and XXXX county, and they know it and use it to their advantage. My account with Armada started over a decade ago and has since become over thirteen ( 13 ) different accounts for each debt they found ( or created ). Armada has on every charge failed to inform me of new debts as they came in. Looking at the only document Armada has sent me in our ten-year relationship shows a pattern of paying off medical debs or non-criminal/traffic debts. This is important as they use these kinds of debts as another means of pressuring citizens into paying them. They do this by threatening to A : Charge you a higher interest rate and B : Suspend your driver 's license. The big issue ( besides this entire industry ) is on XXXX a new account was started from XXXX County XXXX. I moved from that part of the state in XX/XX/XXXX. I believe that Amada is fabricating debts for their own sick capitalist-driven gains.
Product: Credit reporting or other personal consumer reports

All students loans listed on credit report from DEPTED/XXXX  are past XXXX years old and should be removed from credit report. After reviweing my credit report I called and asked them to send me the original contract so that I could review the terms for myself. In addition to it reporting in accuarte information names, dates open, and late payments. Please remove all student laons from this credit report .They are damaging the consumer credit report .Purstant to 15 U.S.C sub section 1679c- disclosures after it is XXXX years old credit bureau MUST remove XXXX
Product: Credit card or prepaid card

Car parts totaling {$860.00} were purchased from XXXX on XX/XX/XXXX Order # XXXX using Citibank Credit Card. Parts were found defective and returned to XXXX on XX/XX/XXXX confirmed by XXXX. Refund or replacement parts were not received although many calls & letters were initiated since XX/XX/XXXX. I filed a dispute with Citibank XX/XX/XXXX - XXXX. I received correspondence by post on XX/XX/XXXX from Citibank dated XX/XX/XXXX indicating " We have made every effort to resolve this dispute with the merchant but have not been successful. '' We no longer have any additional recourse to pursue a credit for you. '' " You will need to seek other means to resolve this matter. '' I have not as of this date received a credit or replacement product.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 Us Code 1681e Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Debt collection

Ally financial is reporting on all 3 of my credit reports. XXXX, XXXX, and XXXX all incorrectly. Balances of {$9500.00}. I have contacted this place on several different occasions and I have no progress in over a year. Just more bad comments to my credit reports. I have tried emailing the CEO of the company on more than one occasion, No responses on the date of X/X/17 and X/X/17. have sent disputes through all three credit bureaus and the better business bureau as well. Dates including X/X/17. X/XX/17 and XX/XX/17. I have one report showing my balance is paid in full, I have another report showing i only paid only a % of it. All reports show this account was closed over a year ago. No balances are correct. I have had no contact with this place, they have not contacted me, no letters, no calls, no correspondence. How is a closed account reporting negative payments? Is this even legal?? I got no notification of this action. I would like to demand proof of this debt, specifically the " alleged '' contract or other instruments bearing my signature and identification as well as proof as well as your proof of authority to collect and report this matter. Please evidence your authorization under 15 USC 1692 and 15 USC ( f ) in this alleged matter. Please provide a complete account history, including any and all charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I completed an online mortgage application with Bank of America and spoke to a mortgage lender named XXXX who discussed mortgage options with me. I then received several notices that there was a new inquiry on my credit report from XXXX as an individual consumer inquiry. I never applied or agreed to have my credit run for any consumer loan. I initiated my mortgage process on XX/XX/22 and are within the 30 days allowed to ship for mortgages without it negatively impacting your credit. I contacted Bank of America again and they said Id need to dispute weight the credit bureaus however from prior attempts I am aware that the company that ran your credit is required to request the inquiry be removed. Bank of American fraudulently pulled my credit report and is now not attempting to remedy their mistake. Id like them to be required to have it removed from all XXXX bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this debt with a collection agency. It was a settlement in full. I no longer have a balance according to the debt collector. I received paperwork stating such, however the original creditor is reporting a balance due. I also paid a different debt with the same collector and same terms, and that one no longer shows a balance on my report. I have tried several times to dispute/submit this information showing I paid to the settlement terms and no longer have a balance with XXXX, the debt collector and Capital One to no avail.
Product: Mortgage

PLEASE FURNISH ALL WIRE TRANSFERS MADE BY M FROM XXXX OR XXXX XXXX FROM XX/XX/XXXX-XX/XX/XXXX
Product: Checking or savings account

This complaint is directed to Current Bank FinCo Services Inc. and XXXX XXXX XXXX. I had an account with Current. I direct deposited my Social Security Disability check in this account. On XX/XX/2021 I found out my account was suspended. I tried to call customer support and a recorded message told me their phone service was down and to email customer support on my online account and chat with a live team member but I couldn't because my online account was suspended and to email customer support. I emailed them and asked why it was suspended I got a form email saying they had received my email and a support member would contact me shortly usually within 24hrs. I was never contacted by anyone even though I emailed them daily just that form email. About a month later I received a letter saying they had closed my account and sent me a check for the remaining balance in my account of {$930.00}. When I tried to deposit this check from FinCo Services Inc. " ieCurrent bank '' in my new account they would not except it when I tried to cash it at XXXX XXXX  they said they couldn't cash it because they couldn't verify it. I have been emailing them for four months trying to get them to resolve this matter and got no response just that form email. I know they aren't reading my emails because immediately after I send my email they send that form email. About 2 weeks ago I got an email from their support team saying they finished investigating my account and closed it??? They did this after closing my account and sending me the check. I don't know but I thought once they closed my account and sent me the check it was done but they reopened my account without informing me or asking me I thought that constituted Frau or at least it would be if I did that yes?? They investigated my account for depositing my Social Security XXXX check as fraudulent suspicious criminal XXXX acts I didn't know they made depositing a XXXX check would be considered any of those things. I'm still trying too get a response from them on this so far I just get that form email no contact by anyone team member no one. I talked too the SSA and asked if they could hold my XXXX check and they said not unless they had a garnishment order or a court order signed by a federal Judge so holding my check for four months is an illegal act by them this caused serious hardship on me monetarily and health risk as I am XXXXyrs.oldand have had XXXX XXXX XXXX and XXXX XXXX XXXX and I couldn't get my XXXX XXXX  and I have XXXX XXXX and couldn't get those medication for the month of XXXX. Thanks I hope you can help me with this.
Product: Mortgage

Roundpoint failed to pay the yearly premium for our homeowners insurance that had been coming out of our mortgage monthly payment. Upon calling them several times, we found out that they " forgot ''. In order to reinstate our home owners insurance, we had to pay a fee which we are now fighting to get back from Roundpoint. Today we made several unsuccessful attempts to speak with someone regarding this matter but were continuously rerouted, hung up on and given the run around.
Product: Money transfer, virtual currency, or money service

Paypal refused to close my account when I discovered that someone had created a business account linked to my personal account and took money out of my bank account. 

I have a PayPal account and an unauthorized transaction occurred on XX/XX/2021. transaction ID # XXXX for {$110.00}. I am unable to locate an account number associated with my account. 

on XX/XX/2021 I discovered the issue and electronically indicated the payment was not authorized and I received an automated response that this was being checked. Upon review of my account I noted that a business account had been added/upgraded to my personal account and the name was not my name. Also there was a tax ID number added. I tried to remove both and I was not able to do. 
I removed my bank account access. And changed my password. I attempted to close the account entirely and I received a decline message with instructions to call customer service. 

Also on XXXX, at XXXX XXXX ET ; I called customer service at Paypal. I talked to someone in another country and she tried to help. After speaking to her supervisor several times and repeatedly telling me that if I chose to close the account that she could help me, she was not able to close the account BUT could remove the business upgrade. 
I told her that it was not just a choice but that someone had gotten into my account without my permission and was using it illegally. 

Paypal refused to close my account because a transaction had been made in the last 60 days. 

Do they not know fraud when they hear it?