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 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 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: Credit reporting or other personal consumer reports

Transunion refuses to remove fraudulent accounts and inquires. They send me letters accusing me of lying about this accounts and that they refuse to remove. I have sent them the required documents per the FCRA in order to have these accounts removed and or blocked! Yet they still refuse. Customer service at TransUnion is horrible. Nothing but overseas XXXX  who speak little to no English and don't take my calls and or complaints seriously. It's obvious that it is all about TransUnion getting paid to report. info even if it is indeed proven fraud! The following accounts are the result of ID THEFT and all the supporting documents have been sent in several times! 

1.XXXX  XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXXXXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX  XXXX  Inquiry : XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX
Product: Debt collection

My information was compromised from a data breach. 15 USC 1681 ....
Product: Credit reporting or other personal consumer reports

Barclays Old Navy reported a 30 day rating under XX/XX/XXXX on my credit report under XXXX XXXX XXXX. 

This account is also still showing as closed under XXXX when it's still open. See attachments. Reached out about this numerous times, but this hasn't been corrected. This resulting in " OK '' ratings not being reported under XXXX & XX/XX/XXXX. 

This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. They previously notated that I set up automatic payments in XX/XX/XXXX, which is accurate. I set them up again after realizing my credit score dropped over XXXX points and the automatic payments set up prior were not going through. I definitely set up automatic payments prior to being hit with this delinquency, but Barclays did not register it. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future endeavors. We are closing on a home soon, and this late payment reported by Barclays is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it. I'm asking Barclays to please consider removing this late payment from my XXXX XXXX XXXX credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold XXXX accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately. Again, I'm asking Barclays to please " delete '' the 30 day rating reported under XX/XX/XXXX for XXXX and XXXX. And correct the account status from closed to open under XXXX. Thank you
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Mortgage

In XXXX of XXXX my monthly mortgage payments went up {$700.00} a month, and my mortgage company Loancare A ServiceLink company told me because my taxes went up. I got my tax information from my city they said they never went up and never falsely reported that to my mortgage company. I paid two months at the higher rate, and phone in multiple times. Finally after I emailed documents into the company they adjustmented my payments back down to what they should be. The same scenario is happening again. My payments have gone up by almost {$400.00} since XXXX of XXXX. I called in, their customer service department told me the had the wrong calculations for my XXXX taxes and I need to pay the money back to my escrow. The math when they were explaining it over the phone to me did not add up, especially because my taxes have not hardly changed at all in the last three years. They transferred me twice to a line that led to no one. I emailed their customer service department today XX/XX/XXXX my XXXX tax information. I have very little confidence that they will correct the situation, and I am concerned with the way they were trying to bamboozle me with the math over the phone. I had a friend of mine in the mortgage industry look at the mortgage, and she said my loan was simply put shady. I need assistance looking into this issue, thank you so much.
Product: Checking or savings account

I requested Bank of America for account to be Closed. Since XX/XX/year> I was told they will close my account on XX/XX/year>, Then was told XX/XX/XXXX XXXX. Now I was told they dont have an estimate time of when will account be closed. Without no explanation Bank of America is refusing to close my account. I still have funds in the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to Equifax requesting an investigation of the inquiry thats on my credit report. The inquiry date was : XX/XX/2018 from Company : XXXX XXXX. I never applied or authorized this company to check my credit. Furthermore, I currently do not have any account with this company. Equifax failed to re-investigate. I also sent a letter to XXXX XXXX requesting for proof of this authorization, yet I received a response.
Product: Vehicle loan or lease

Wells Fargo XXXX everything signed at the dealer says 8.25 % interest and the first statement we got in the mail shows 9.19 % interest. This is not what we agreed on at the dealer and signed papers for.
Product: Mortgage

It will be easier for me to forward a letter we sent to a senator XXXX XXXX, explaining on wells fargo mtg, just forged our signatures, or pre imposed them as we never saw any Notary, except when we first got our house, at Ohio XXXX XXXX  XXXX, Ohio XXXX, back in 1989. 

XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

Contacted Navient.com customer service rep after receiving text of account delinquency. 
Service rep unable to answer question of my account relation with AidAdavantage.com payments. My request to speak with a supervisor resulted in being placed on hold for unreasonable amount of time. Never spoke with a supervisor. 

Made a pyment today in the amount of {$100.00}. Noticed a fee of {$1.00} for late charge. 
How is this possible if the Federal government has placed student loan payments on pause.
Product: Mortgage

My mortgage was purchased by Mr. Cooper in XXXX of XXXX. The previous mortgage company, XXXX, had paid my XXXX tax bill, and then Mr. Cooper also paid it ( vi XXXX ). The extra payment was the refunded in XXXX of XXXX ( verified with XXXX XXXX, AZ ). I became aware of this in XXXX of XXXX when my escrow payment greatly increased. The agent and I quickly realized the double payment, and then I verified it with XXXX XXXX. 

After getting no help, I then verified with XXXX that the refund was received from XXXX XXXX, and they were in process of refunding it to my escrow account. That was on XX/XX/XXXX, and the funds are still NOT in my escrow account. 

I have been dealing with XXXX XXXX XXXX most recently, and previously XXXX XXXX XXXX. Both of these contacts have just given me the run-a-round. They keep saying to " be patient. '' As far as I'm concerned, they have had my money since XXXX of last year, and it should be in my account. 

I would appreciate any help you could provide.
Product: Credit card or prepaid card

I was recently scammed on XXXX while using my navy fed credit card, XXXX was no help to me so I reached out to my bank. they started a dispute and this morning said they needed more evidence. so I called navy fed, asked what all they needed to help them come to a conclusion. the lady told me she needed a few things which I submitted and she said the she had received it and that it was perfect. " exactly what they needed ''. I even told her if they needed anything else to just reach out to me. then I get an email a few hours later saying that my case was closed due to a lack of evidence. it just seemed very lazy, instead of reaching out they just close the case and hope I will go away.. even when the lady told me that was all I would need to receive my money back. I gave them everything, every email between me and the seller, the invoice, the tracking number. all the proof any human with a high school education would need to see that I got scammed. but somehow it still wasn't good enough. when I called they told me to appeal it but it would most likely be denied. what more information could have I possibly provided to them? they have literally every single detail about this incident. oh, it was for {$1200.00} in case whoever is reading this thinks I'm complaining about a few dollars.
Product: Credit reporting

There are 4 credit accounts on my credit report that are over 10 years old. I have asked the 3 consumer credit reporting agencies to remove them and to date I have not received a response or any results.
Product: Credit reporting

To Whom It May Concern : I have previously submitted a dispute on XXXX XXXX 2016 and XXXX XXXX, 2016 requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process XXXX account was verified and still displays information which is incomplete. 
The following is a list of inaccurate, incomplete information contained in the reporting of 1. XXXX Account was opened on XXXX/XXXX/XXXXhowever there is no payment history prior toXXXX/XXXX. 
2. Balance amount and high credit amount are conflicting XXXX XXXX reporting is incomplete and inaccurate infromation. Enclosed with is dispute is a copy of my driver 's license, a copy of the reporting, documentation of the certified letter
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is about the JPMCB CARD SERVICES account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account opened : XXXX XXXX Amount : {$750.00} Credit Bureau reporting : Equifax I am filing a formal complaint against the above mentioned company and demanding immediate removal of ALL fraudulent accounts opened in my name using my Social Security number without my consent. I have been the victim of identity theft, and a part of multiple data breaches resulting in my personal information being compromised. The impact has caused significant emotional distress, ongoing financial damage, and has severely impacted my credit negatively. Unauthorized accounts have been created under my name, now reporting on my credit reports and damaging my personal and financial well-being. 

This company continues to report this fraudulent account and it violates my rights under the FCRA and constitutes a negligent breach of duty to ensure accurate credit reporting by the credit reporting agencies and creditors. These companies knowingly report incorrect information after receiving notice of its inaccuracy which is a violation of the law, as specified by the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I submitted a dispute via ChexSystems about an account I previously had with XXXX XXXX. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from ChexSystems I noticed I had been reported for an account abuse closure by XXXX XXXX While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from ChexSystems one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the XXXX XXXX collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for XXXX XXXX when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to ChexSystems because XXXX knew that for that particular agency abuse could mean anything and would n't be questioned.
Product: Money transfer, virtual currency, or money service

I transferred money from my Wells Fargo Checking account to my landlord for a lease. I called in to make sure I was doing the online transfer correctly. The Wells Fargo employee walked me through the process and told me funds would be available the next day as long as I made it before the cut off time. The end bank was XXXX XXXX  and XXXX XXXX XXXX was the intermediate bank. I entered my landlords information into the online system and it showed up as XXXXXXXX XXXX 

The funds never made it to his bank. I called Wells Fargo 3 days later they said it was completed and the money was at XXXX XXXX. I tried to call XXXX XXXX but they would not give me any information because I do not have an account with them. They told me Wells Fargo would have to call them. Wells fargo opened the case 3 days after the transfer. The case was opened XX/XX/2021. They said it would take up to 10 days and someone would call me to let me know what was going on. Nobody called. From that date until today XX/XX/2021 Wells Fargo has not called. During that time I called multiple times to get an update. Each time I called I was transferred at least 2 times. The employees told me they can not directly contact the department handling the case. 

Most of the employees have been nice and understand the bad situation the bank has put me in. Its just the processes they are using wont allow them to do anything. I have spoke with 2 employees that had an attitude from the beginning and 1 even hung up on me.
Product: Mortgage

This is my third complaint concerning SPS! Through your assistance they have been very helpful, but it appears that all of the paperwork they have sent me which included a reduction in my mortgage payoff and a XXXX release of the 2nd mortgage has been completely ignored by their attorneys. The attorneys for SPS have stated the payoff amount of $ XXXX is the one their clients recommended and if it needs to be changed to contact their bankruptcy division because of the XXXX XXXX. A representative from Title Team contacted the bankruptcy division today ( XXXX ) and was informed that the payoff will not be changed unless my bankruptcy attorney submitted paperwork from the court stating the changes which were approved through their customer advocate were approved through the court! The attorneys for SPS are unwilling to help or even take action on the paperwork submitted. This has been ongoing since XXXX and the individual purchasing my home is growing very impatient. I ask that SPS provide an accurate payoff to their attorneys so that I can finally sell the home!
Product: Credit reporting or other personal consumer reports

Despite my efforts to rectify the situation, fraudulent account persist on my credit report so Im disputing the fraudulent information. This fraudulent information have a significant impact on my financial status and reputation. The investigation seems to have failed, as disputed account is clearly fraudulent. I requested an investigation but no changes were made, and no investigation was conducted. Sufficient time has been given for you to address this issue and make the necessary corrections, yet no action has been taken. I demand the immediate removal of this account. Additionally, the bank have already agreed to delete this. Not sure why theyre still being reported. Ive talked to the bank, they have my FTC Identity Theft report on file and informed me this account would be removed in 90 days. Not sure why theyre still reporting. Please DELETE the accounts below : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I lost access to secondary email address for bitcoin vault access.. I need to have a new vault created by Coinbase. Over a month ago, I was told my case was forwarded to " subject matter experts who can help '' and " They will get back to you shortly. '' I have heard nothing in over a month. Case # XXXX
Product: Credit reporting

I always paid XXXX No idea where this bill is from. Please remove from my credit report is damaging my rating incorrect report. THANK YOU
Product: Credit reporting or other personal consumer reports

SENT A CERTIFIED LETTER TO CREDIT BUREAU TO CORRECT MY NAME, ADDRESS AND PHONE NUMBER. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I attempted to refinance my mortgage. I was emailed documents to sign electronically to continue with the loan process. In the documents it stated a XXXX dollar loan amount instead of the XXXX dollar loan amount. The company refused to correct the issue and told me to just sign the XXXX dollar document.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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/year>
Product: Debt collection

I looked on my credit report and found this there I never order from them before this is fraud Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting or other personal consumer reports

The LAW has clearly established that financial institutions are not permitted to sell or disclose my nonpublic information without my written instruction, consent, or permissible purpose, and that I must have the opportunity to OPT OUT. I was not given this opportunity, and this is a violation of the FCRA, GLBA, and FDCPA. 

These are the specific violations that have occurred and the laws that make these actions unlawful with a penalty and remedy if pursued in court : 1. XXXX XXXX XXXX illegally shared transactions and experiences on my consumer reports. This is a direct violation of 15 USC 1681a ( 2 ) ( I ), which states that reporting information solely as to transactions or experiences between the consumer and the person making the report should not be reported. 

2. XXXX XXXX XXXX disclosed nonpublic personal information to a non-affiliated third party without providing me with the required notice under 15 USC 6802 ( b ) ( 1 ). 

With knowing the law, I DEMAND that the transactions and experiences of the XXXX XXXX XXXX  account must be removed from all my consumer reports. I have registered a fee schedule with the court clerk in my jurisdiction. If this matter is not resolved within 7 days, I will take legal action, including but not limited to reporting this activity to all government entities and regulating agencies. I will seek out the IRS, SEC, FTC, FBI, FinCEN, OCC, FCC, CFPB, all applicable governors of the corresponding states, all applicable District Attorneys of corresponding states, all applicable Attorney Generals of corresponding states, and the Department of Justice to create and impose litigation and arbitration amongst all parties involved. Then I will seek legal representation ( with whom I already have an attorney on retainer ) to purse remedy based on my registered fee schedule and the unlawful acts that have occurred. My fee schedule includes the credit reporting agencies must pay me {$1000.00} per day for each day that they continue to report this false and fraudulent information. Also, after 15 days the credit reporting agencies must pay me an additional {$20000.00} in attorney fees. Additionally, XXXX XXXX XXXX must pay me {$2500.00} per day for each day that they continue to violate the FDCPA and engage in unfair and deceptive practices. 

I thank all parties involved for taking swift actions in resolving my matter at hand and obeying the law as I am demanding this XXXX XXXX account being removed IMMEDIATELY.
Product: Credit card or prepaid card

On XX/XX/2020 I made an online purchase from what I thought was a XXXX affiliated website for an XXXX XXXX for {$300.00}. After the purchase I grew suspicious of the deal and quickly figured out the site was a scam ( the site was taken down within two days of the purchase, but the URL was later purchased by XXXX and now serves as a redirect ). I filed a fraud ticket with First Tech Federal Credit Union ( #  XXXX ) including copies of fake confirmation emails. By the time the credit union researched my request, they were unable to find evidence since the URL had been repurchased/remapped to the real website and hence denied my request.