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, Account name : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( TransUnion ) XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX ( XXXX ) XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX ) XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ( XXXX & XXXX ) XXXX ( TransUnion ) XXXX, Account name : 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 an account without my written instruction.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Bank account or service

Bank of America refuses to add beneficiary to accounts for attorney-in-fact presenting duly registered North Carolina durable power of attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.
Product: Mortgage

Ocwen Loan Servicing falsely reported to the credit bureaus that I had overdue/delinquent amount of mortgage with them and that my account is 120 days passed due. They indicated that the account was opened with them on XXXX/XXXX/2004. I never had a mortgage with Ocwen Loan. I do n't even know where they came from. 
My mortgage was with XXXX XXXX XXXX Ocwen Loan Servicing copied the same information from XXXX and duplicated the information on my credit report. This reporting by Ocwen Loan caused financial injury on me and I was denied a XXXX Plus Loan because my credit went down by more than XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into my XXXX XXXX  Account and noticed An unauthorized hard inquiry on my credit report from XXXX XXXX XXXX XXXX. Dated XX/XX/2022. I knew I had never asked for any credit with XXXX  and had heard of XXXX XXXX XXXX. The hard inquiry only showed on the Equifax Credit report. I Immediately called them and filed a credit dispute. 
They sent me a email document showing my credit history and on page 13 of 16 appears the unauthorized credit inquiry. I called Equifax and had them freeze my credit information. The called XXXX XXXX XXXX who put me intouch with XXXX 's credit card fraud division. Who researched the fraudulent application and stopped the release of the XXXX credit card. 
XXXX is sending some sort of paperwork they want me to fill out and return but I will have to see what it entails. I have since frozen my credit reports with XXXX and XXXX also
Product: Checking or savings account

I tried to deposit {$1000.00} to my son 's 5/3 checking account today as I have done several times in the past at the same branch. Today for the first time I was asked for several pieces of personal information : drivers license, phone number, profession, social security number and if I was a citizen of the US. When I questioned the need for this information I was told it was required for any deposit over {$500.00}, when I asked if it was a new policy I was told no it had always been a policy of all banks not just 5/3. I thought the amount was {$10000.00}. My son needed the funds today so I was forced to give them the information but I feel my privacy was violated. Was It discrimination because I was doing laundry, cleaning house and was dressed in a t-shirt, shorts and old tennis shoes? Before this trip to the bank I was always dressed as if I was on my way to the office.
Product: Credit reporting or other personal consumer reports

CFPB complaint As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

XXXX XXXX text I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself insert name last XXXX Social Security number is XXXX XXXX : XX/XX/year>. Please delete the following accounts. XXXX balance XXXX, XXXX balance : XXXX, XXXX balance : XXXX, XXXX XXXX balance : XXXX, XXXX XXXX XXXX XXXX balance : XXXX
Product: Student loan

On XX/XX/2023, a hard inquiry was placed on my credit report by Sallie Mae Bank. I did not give written consent nor authorize this company to use my information to review my credit status.
Product: Money transfer, virtual currency, or money service

I have had a transaction returned however my refund was never refunded. Someone in the company has changed my account number. They sent a XXXX of the wrong account number! I have been on the phone a total of 30 hours with customer service and have been given 5 different reason as to what is going on. They have told me over 3 times they would move the situation to a team member that is a manager or a supervisor and this has not happened. Now the transaction has been removed! This company is backed by the FDIC and other large financial institutions.

Besides not getting any answers they have blocked my number for a short time. the transaction has disappeared, Ive hung up on, And told I would be transfered to a supervisor to only be trasnfered back to a regular customer service rep.

I've Emailed over 10 Times with no response Someone in the company has changed my account details
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent to Equifax, XXXX XXXX, and XXXX an Exclusion of a Credit Report to their Dispute Department because they are inaccurately reporting late payments. I received nearly 2 months later a notice that my credit report has been updated with no clarification on what has been updated. Pursuant to 15 U.S.C 1681, Consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of my information.
Product: Bank account or service

have reached out to capital one by mail and as they are4 a bank and they refuse to call me and when i do call them they refuse to transfer me t multiple depts the correct department to change and modiffy due date to reflect my social security check and i was told at one point if i call back and pay XXXX to get my account current they could change my due date and suspend al further late fees ; i also did reach someone who mentioned my credit limit was XXXX but i somehow owe XXXX currently ; capitol one case number XXXX each time im transferred they ask me to verify my identity each time ; i need you to reach out to them and get someo0ne in senior collections to process the suspension of all late feees dept and change my due date and i would like an investigation how my credit limit is XXXX and was told XX/XX/XXXX i did a atm withdrawel and in six monthsthe balance has grown by over XXXX mr XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX account number XXXX, Account name : XXXX  account number : XXXX, 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, Account name : XXXX account number : XXXX, Account name : XXXX account number XXXX, Account name : XXXX account number : XXXX, 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 I looked on my credit report on Experian and I noticed something that are incorrect and not accurate information .and according to the fair credit reporting act 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 according to 15 usc 1681 ( e ) ( b ).

And according to 15 usc 1681 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverified information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of consumer. 15 usc 6802 : stated A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless. This bank and agencies violated this law by transferring and sharing my non public information without giving me 3 disclosures by not allowing me to opt out.

And 15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions .also 15 USC 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose .18 usc 1028A : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.Also I sent multiple disputes letter certified mail with return receipt asking for hard evidence.all credit bureau has not provided me no proof but still verified these accounts accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Discover several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ i XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Payday loan, title loan, personal loan, or advance loan

I applied for a loan to get by until payday through money lion and they referred me to river valley loans. They approved me for {$600.00} and, not until it was too late, I found out I have to pay back {$280.00} for almost 2 years totalling over {$4000.00}. I can't afford that. I should of read the agreement.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2020 I noticed two Fraudulents inquiries on my credit report.
Product: Credit card or prepaid card

I was drugged and extorted for around XXXX dollars in XXXX on my last night there. I filed a police report and the guy was caught on five sperate security cameras at both the ATM amd the two separate stores he made me buy him things at while I was still too high to defend myself or run. One of those charges was a {$940.00} charge for XXXX XXXX. It took me 3 hours to get the initial dispute filed but they refused to accept a copy of the actual police report. They said they would call me if they needed it and then denied the charge after less then 12 hours with no follow up.
Product: Credit card or prepaid card

I was notified by email my credit card limit was significantly reduced and to add insult to injury my interest RATE was also significantly increased. I have been furloughed since XXXX due to Covid I have always made payments on time except for XXXX ( XXXX time ) I always make payments I am a great customer. I called today XXXX Sat at XXXX XXXX to ask them, I pleaded for help in a lower rate they went from 23.99 % to 29.99 % as well as the the lower credit limit which is now {$6000.00} and my balance is already {$5800.00} so I am 100 % maxed out on a card reporting to the credit bureaus which in turn, hurts me drastically! 

I am trying wholeheartedly to work with the credit company After being transferred to 3 different people not one person can help me. I will never get this card payed off nor can I pay a rate of 29.99 % I am still out of work due to Covid, but I will always pay min due plus extra, but at a time when I have XXXX income coming in, please citi group just help me. It will leave me no option but to have it go to collections and eventually have it as a charge OFF on my credit report. Then no one wins! Work with consumers its hard enough without fighting with your credit card companies! You say Just call us we are here to help NOT TRUE!!! NOT TRUE AT ALL!
Product: Credit reporting

My wallet was stolen on XX/XX/2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only XXXX has deleted the fraudulent inquiries I 've had about XXXX inquiries since XX/XX/XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.
Product: Credit card

I noticed a fraudulent inquiry on my credit report. Someone has my information and is trying to open up credit cards with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 

Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 

Presently, XXXX is probably trying to modify the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request.
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  Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXXXXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

In using Zelle, I have always had issues sending money and receiving money back. I recently sent {$850.00} in two payments and was scammed and my bank never sent it back and blocked me from requesting it. This has happened numerous times but this time it was money I truly needed as I am struggling
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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
Product: Debt collection

My wages are being garnished. This company sent all of the correspondences to an address that was not mine for a wage garnishment. By default, the judgement was granted and the company has seen proof that this medical bill was paid. Collection agency described as " Waterfall '' or " XXXX XXXX '' has some sort of relationship with the judge in XXXX XXXX and brings their cases there. My debt was not in XXXX XXXX and I am not from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from a alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish a account without written instructions.

15 U.S. Code 1681b and accordance with the WRITTEN INSTRUCTION of the consumer to who it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Consumer Loan

I am writing regarding the case CFPB and XXXX with Honda to Address Discriminatory Auto Loan Pricing. According to settlement Honda took advantages of people. As it turns out as a XXXX, and reviewing my loan, terms, as well as interest, I believe I did not received a fair shot or assessment. I purchased XXXX vehicles from Honda. XXXX in XX/XX/XXXX, and a second in XX/XX/XXXX. As I thought that I received a fair deal, even with a great credit score, the loan payments and interest were very high. It saddens me to see this, as in my family we have own Honda since XX/XX/XXXX. However, in comparing the market and average interest rates as well as payment from fellow Honda customers, I believe my wife and I were either discriminated or taken advantage of. This is very unfair, and I am seeking assistance.