23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear CFPB, I am writing to you regarding 2 documents I received as as a result of a financial Institution ( HUNTINGTON BANK ) opening 2 types of banking products ( as I suspect ) regarding a customer non related to myself. 

I received 2 pieces of banking information ( I.E.- Bank statement, Checking account, Credit card info., etc. ) that was directed to a name UNRELATED to me, but with my full complete address. The name on these documents is SHOWN on the photos you see ( attached ) as XXXX XXXX. 
The reason I'm writing this is because I had set up a Bank account in XX/XX/XXXX from Huntington bank in XXXX, OH in which I was aware that I signed a privacy agreement that should protect my rights to have anyone steal my information ( Privacy law act ) that I do believe may have been violated. 
At the time I received these documents was done back in XX/XX/XXXX. The records should have been reviewed to show that someone has THE CORRECT information ( Personal information ) to process a financial product to be VALID ACCURATE information concerning address content to the applicant who filed it. 
I DO BELIEVE that the bank violated my data BECAUSE the person was in NO POSSIBLE connection to me either via their name, their location or their drivers license proving they ever existed at my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED THE CRA 'S TO FURNISH VERIFICATION OF ORIGINAL DOCUMENTS TO SUPPORT THEIR REASON FOR REPORTING ALLEGED DEBT ON MY CREDIT REPORT AND THEY HAVE FAILED TO DO SO. IT IS MY RIGHT AS A CONSUMER TO REQUEST SUCH INFORMATION UNDER " The Freedom of Information Act, 5 U.S.C. 552, is a federal freedom of information law that requires the full or partial disclosure of previously unreleased information and documents controlled by the United States government upon request '' XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN ) XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted immediately.
Product: Mortgage

Wells Fargo Home Mortgage, in letter received today from XXXX XXXX, SVP,  advises that loan XXXX in good standing for 14 years is being transferred to XXXX XXXX XXXX XXXX, effective XX/XX/2018 and that I will not be able to contact Wells Fargo about this loan after this date. 

NO EXPLANATION OR DISCLOSURE ON CHANGES TO LOAN SERVICING FEES OR LOAN TERMS AND CONDITIONS IS PROVIDED.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found multiple accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also realized that my information had been exposed in the XXXX data breach and ill provide proof of that as well. Please remove these accounts and inquiries from my credit report and as soon as possible. Thank you US DEPT OF ED XXXX - XXXX - XX/XX/XXXX - {$1300.00} ; XXXX/DEPT OF ED XXXX - XX/XX/XXXX - {$1300.00} ; XXXX XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX XXXX {$430.00} ; XXXX XXXX  XXXX - XXXX XXXX XXXX {$300.00} ; XXXX XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$500.00} ; Inquires ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; )
Product: Mortgage

I just received a scheduled foreclosure date from XXXX that my house is scheduled for foreclosure on XXXX, 2017. I called my dedicated Loan Specialist XXXX on XXXX, 2017 to check on the status of my HAMP Loan Modification and left message for her. When she returned my call she did not give me any answer to my call. She only left me phone numbers. I old her in the pass that I can only talk to her about my loan modification and nobody else. Since then I have not heard from her but to get this foreclosure notice. Attached is the foreclosure letter. The letter claimed advertisement is enclosed but there is no advertisement enclosed. 
I checked XXXX paper from XXXX to the time of this complaint the house was not advertised for sale. 
Nationstar Mortgage is not making any effort to modify the loan to a more affordable mortgage payment since XXXX till now. They have been looking for any rabbit hole to foreclose as their intention from the onset was not modify but to foreclose. I did everything they asked me but always come up with lies upon lies which I have disputed many times in the past.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

It started on XX/XX/2023 when I received an email from Bank of America saying my card application has been received. However I never applied for any card. I called the company and talked to the fraud department and told them the situation and told them to reject the application. However two days later I received another email saying my application had been approved. I called all the three credit bureaus and put a fraud alert on my name. Despite of all this I received the package from XXXX XXXX XXXX  in the mail with the new credit card on XX/XX/2023. My plan is to stop by a branch to try to get some more information before I destroy this card but since I don't know the outcome I would like this complaint to be documented. Thank you for all your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

There was a dispute of a {$96.00} with XXXX company which I disputed with XXXX  and they decided in my favor showing the bill paid and account closed at my request. I started receiving correspondence from XXXX XXXX XXXX wanting payment and I sent a letter with copies of the XXXX decision and requested they not correspond with me further on XXXX. I tried to use my XXXX card today and it is being blocked along with any other card I have with XXXX. I feel this is retaliation as all other accounts are in good standing and there is no reason to block their use.
Product: Debt collection

I have recently become aware of his misuse of my personal information, which resulted in the unauthorized opening of these accounts. As evidence of this identity theft, I am enclosing a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, filed under report numbers XXXX and XXXX. I am also providing supplementary documentation that demonstrates the fraudulent nature of these accounts. I understand the importance of accurate credit reports and appreciate your cooperation in resolving this matter. If you require additional information or documentation, please do not hesitate to contact me. The following accounts were falsely opened by my ex-husband : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

the account from XXXX XXXX is false and inaccurate. the account was paid on time and in full paid as agreed and all the dates should have been updated with Equifax
Product: Debt collection

First of all apparently this is a medical debt from when I was one week into being XXXX meaning it is XXXX XXXX XXXX this coming XX/XX/XXXX and is owed to be removed, I have no knowledge of this account. 
They also have accrued an intense amount of interest which is illegal you can not add interest to a medical debt. 

Finally I have never received any itemized anything of what I even owe for so Im unaware of what it even is for. When I called last month XX/XX/XXXX at approximately XXXX I was told by XXXX XXXX that they had no idea what it was for and that it is a mistake and theyd remove it from my credit and its still on there. 

For resolve Id like this medical debt of whatever form deleted from my credit.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX and XXXX are disingenuous Additionally, XXXX entrepreneurs ' credit requests are XXXX times less likely to be approved than white entrepreneurs. These statistics underscore the persistent economic disparities. However, entities like Experian, XXXX, and XXXX are disingenuous in their practices. Despite having a FICO score of XXXX, Experian still required more information from me, such as my Social Security number and pay stubs. This kind of behavior undermines trust and adds unnecessary hurdles for individuals who are already facing economic disparities. It highlights a systemic issue of racism within the credit industry, where algorithmic biases can perpetuate discrimination against marginalized groups like XXXX. And that's what they're doing : lying.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account ( XXXX XXXX  ) ( acct number - XXXX ) I am asking that you verify as accurate.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX 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: Checking or savings account

I received 3 letters in the end of XXXX stating that I had opened 3 new checking accounts in my maiden name. I tried calling their customer service multiple times, sitting on hold for over XXXX minutes each time, and never got ahold of anybody. A week later I received 3 letters in the mail saying that I had successfully signed up for overdraft protection on all 3 checking accounts, on XX/XX/XXXX. I have never done business with this company before. I called their customer service again and waited on hold for over an hour this time. Finally I reached someone and told them the situation, they assured me they would close all three accounts, and notify their fraud department to research it. Today I received 2 letters in the mail saying that as of XX/XX/XXXX, 2 of those 3 accounts are overdrawn. I tried calling customer service again and waited on hold for over XXXX minutes, but did not get to speak to anyone. I do not want to be held responsible for these fees and loss to the bank since they did not cancel the accounts as I had directed weeks ago. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hellos Guys!! 

I sent letters to the 3 credit agencies XXXX, XXXX and Transunion to verify some elements that are being reported on my credit. I have been investigating and discovered that the credit bureaus have been violating my rights by reporting accounts or negative items incorrectly, since I see that each one of them reports different balances, wrong dates and incorrect late payments.

I have also sent letters to the creditors who are reporting on my credit to update the information in my report and they ignore me, they have not given me answers. 

I have sent letters to the bureaus since XX/XX/XXXX and to this day they continue without giving me an answer.
Product: Checking or savings account

XXXX XXXX XXXX  is failing to close my account, after restricting my account and stating it was going to be closed soon. I have yet to be notified about anything. It's been almost XXXX  months with no replies or explanations. My money is currently no where to be found nor sent out. It's just frustrating to be going through these things.
Product: Credit card

My complaint is about Comenity Bank. I had a XXXX credit card with them, my original credit limit was {$500.00}. Over the last year they have been lowering my credit which makes it appear that I have gone over my limit every month. I closed my account a couple of months ago and have not made a payment. They call me XXXX times a day from different phone numbers. This is harassment. I have answered the phone a handful of times and informed them to quit calling my phone number and it still hasn't stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX  account # XXXX ( there are 4 of these accounts ) XXXX XXXX account # XXXX ( there are 2 of these accounts ) XXXX XXXX account # 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 XXXXXXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report inaccurate information on my credit report with XXXX, XXXX and Transunion without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Product: Mortgage

In XX/XX/2017, J.P. Morgan Chase Bank refinanced a loan owed to another lender. I make mortgage payments by ACH transfers from an account at XXXX. When I made the first required payment, I included additional funds in the ACH transfer, assuming that those additional funds would be used for additional principal payments. Instead, J.P. Morgan Chase treated the additional amount as additional monthly loan payments, i.e. Chase deducted amounts for future months ' would-be interest in addition to principal paydowns, as if this were a car lease rather than a home mortgage. 
I called their customer service agent, who confirmed that this was done, and that Chase always does this unless the borrower uses US Mail to mail-in a payment slip that expressly lists the additional amount be used to reduce principal. The agent asserted that Chase would backcredit my account correctly. 
I believe that Chase 's policy ( i.e. unless otherwise expressly ordered, the default treatment is to apply additional funds to future amortization payments, rather than principal reduction ), is a violation of Federal Reserve Regulation Z ( the Truth-In-Lending Law ), which may be adversely affecting thousands of borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/21. I never received the results of my dispute as required by law. I never received a copy of my dispute. When I log into Equifax.com, there is no information about my dispute whatsoever other than an investigation was completed on XX/XX/21. I have received zero information about the outcome. My dispute relates to a credit disclosure I received for a mortgage stating I have " too many consumer finance company accounts. '' I have zero consumer finance company accounts. My dispute number is # XXXX.
Product: Vehicle loan or lease

This complaint is about US Banks end of lease maturity services. Once our car lease was ending we were transferred from US Bank Financial to their End of Lease Program to coordinate returning our vehicle XXXX XXXX 2017. The End of Lease program coordinated an inspection by a 3rd company which we completed on XXXX XXXX. The services provided by this party were fine. <P/>The issue at hand with US Bank was when I wanted to return the vehicle. They said return it directly to the dealer where we leased ( they went bankrupt and closed ) the vehicle. As this was not an  option they said they would pick it up which we confirmed via phone on XXXX XXXX. They said the car would be picked up in 7 to 10 days. Unfortunately I had to call again on XXXX XXXX - they said they had an error in their system and it would be another 7 - 10 days. I called again on XXXX XXXX and was told they would pick it up on XXXX XXXX. I called again on XXXX XXXX and they confirmed they would get it on XXXX XXXX. <P/>As a result of US Banks transferring between departments they try to confuse the consumer and cause incremental charges. We received an additional bill for two lease payments for the time we were waiting for them to pick the car up which we are disputing and want assistance with. This is awful behavior from this institution.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries, which have appeared on my credit report as a result of a data breach. Under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items to safeguard my credit profile. 
Account : XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX
Product: Checking or savings account

I have had an online brokerage account with Robinhood since XXXX. On XX/XX/XXXX I was logged out of my account while on vacation. I attempted to log back in with my credentials and was prompted that the account has been locked due to a login attempt from a restricted location. I was on a cruise ship from XXXX and returned to the United States on XXXX. I have been requesting every day for Robinhood to unlock my account since XX/XX/XXXX, with no success. I have sent emails, contacted customer service, spoken with live agents when I have been able to connect with one, been put on hold for 5 hours waiting to speak with someone, and followed the instructions for verification that I was given. I am now getting duplicate requests for information that I have already submitted multiple times, with no resolution. My account remains locked with my funds in it. I am afraid at this point that Robinhood has taken my savings with no intention of unlocking this account. They are now asking for me to upload my banking information. 

I am requesting help with resolving this matter, unlocking and regaining access to my Robinhood account and remaining funds in the account.
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 right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.