23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 : A lender named Goldman Sachs made a hard credit inquiry without my authorization. I had contacted a lender ( XXXX XXXX ) about a potential consolidation loan and the person on the telephone made a soft credit inquiry and then showed XXXX potential loan offers. He told me to click a button on my computer screen for Goldman Sachs and then told me that Goldman Sachs would contact me about a loan offer on Monday ( today ). I then received an email from XXXX indicating that a hard credit inquiry had been made to XXXX for my credit report. 

The whole process was deceiving and done to make me select a loan offer without explicitly asking me to authorize the access to my credit report.
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. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX Experian Report XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX  XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXXXXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Debt collection

I got a money order in the amount of {$110.00} for an amount that was stated on my credit report that I owed to this collection agency for an old XXXX XXXX bill. When I called the collection agency to follow up in making sure the payment was received so that the collection amount would show paid on my credit reports I was told that the amount I sent in was deficient by XXXX, therefore it would not be removed until the XXXX was sent in. This was infuriating as I checked my credit report prior to getting the money order and was never notified that the amount owed had increased by XXXX by the collection agency. 
I mailed in the XXXX, however I felt verbally harassed by the collection agency employee taunting me about this XXXX as Im trying to remove this negative information from my credit report so that I can obtain housing. I dont know when or how the total went from {$110.00} to {$110.00}, or what kind of interest is being accrued for the amount to change by XXXX but it felt like harassment. The amount shown had been {$110.00} on the day I mailed the order and that should have been taken into account. As that amount had been on the account all month.
Product: Credit card

My issue is that I as far as I know, I have an account with Walmart/Sychrony. I was approved for the card. I called to get some information on the card and suddenly they could n't find my account and now that results as a hard inquiry. My issue is that either the account is open or they remove the inquiry off of my report. I tried calling their underwriting department several times including speaking with a manager and nothing has been done. Plus they have outsourced their calls, so I can not speak with anyone truly.
Product: Mortgage

I live in the city of XXXX, and moved in to my house in XX/XX/XXXX.  My mortgage company, Freedom Mortgage, required me to open an escrow account to cover my real estate taxes and house insurance when we got the loan. I have never missed a payment, or been late for a payment. On XX/XX/XXXX I was served with a notice from the city that they were threatening to start a sheriff 's sale on my house due to missing real estate taxes. They had already taken out liens against me for underpayment of real estate taxes in XX/XX/XXXX and XX/XX/XXXX. This was the first I was ever notified of this. It had turned out Freedom Mortgage had incorrectly determined the amount of real estate taxes owed on the house, and neither the city nor the mortgage company gave me notice of this. For {$2700.00} under underpayment over two years, I now owed the city {$3900.00} including penalties and interest. Somehow, Freedom Mortgage had figured this out and paid the correct amount for XX/XX/XXXX taxes, but did not take care of the missing balance from the previous two years. I immediately notified Freedom Mortgage about the issue, and they said they would take care of it, and cover the penalties and interest. I spoke to three different customer service agents who told me the same thing, but no one would send me confirmation of this in writing. 

Freedom Mortgage took longer than they said to pay the tax bill, risking me further legal action with the city. I was forced to hire an attorney to defend myself and my home from the city. Finally Freedom Mortgage paid the bill, but deducted the entire amount from my escrow account, rather than just the portion of the principal, and then sent me a bill saying I needed to pay them $ XXXX to cover my negative escrow balance and keep it full going forward. After hours of the phone, waiting on hold to speak to people familiar with my case, someone told me that " upper management, '' whom I am not allowed to speak to directly, had decided that I should 've notified them about the underpayments earlier so I was responsible for the penalties and interest, even though the city never notified me. When I called the city they said they had been sending my tax bill to the mortgage company. The Freedom Mortgage service rep two weeks ago said they 'd " discuss this further and reconsider '' but then stopped returning my phone calls. I can no longer get hold of anyone senior enough at Freedom Mortgage who can discuss my case. Calls to them take over 30 minutes even just to leave a message for someone who wo n't call me back.
Product: Credit reporting or other personal consumer reports

I signed an income based repayment in 2013 as a struggling teacher. It was to be $ XXXX for 10 years resulting in paid off. It is only increasing showing differed and accruing interest! It has been well over 10 years! I want this XXXX balance and closed out as paid. Im struggling to get a home and car loan for my XXXX XXXX and myself because of the significantly high balance and differed status. I want it fixed immediately please I do not make enough as a XXXXr and XXXX XXXX to keep up. Ive struggled for over 10 years with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act JPMCB CARD Account # 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 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house and paid it off but they reported it negatively on my credit.
Product: Money transfer, virtual currency, or money service

When trying to send money to a family member the wrong person was instead sent the money. There was no way to abort the transaction or reverse the transaction and there was no confirmation screen on the app to verify the transaction before sending
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  U.S Dept of EdXXXX Account # XXXX AND ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX XXXX Account XXXX XXXX And Account # XXXX And Account # 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.
Product: Checking or savings account

on XX/XX/2024 i transferred XXXX dollars to my savings account. the bank was closing the savings account because it was inactive. they have not returned the funds to my account, and im overdrafting with huge fees and have been told they cant help, i just have to wait for them to return it, w no timeline as to when that will be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureaus last XX/XX/XXXX requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to responf and yet they have sent me nothing. The 3 credit bureaus must validate these accounts in line with FCRA 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX DE XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$1800.00} Date opened XX/XX/XXXX 2017
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$280.00}
Product: Debt collection

On  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX   pl aced a collections account for {$1200.00} on my credit report. This account is the responsibility of my father and does not belong to me. This is the second time the account has been placed on my record, even after the issue was previously resolved through the CFPB in  XXXX .    XXXX   XXXX   XXXX   has  once again placed this false debt onto my report, and without written notice or validation. This account has been disputed through the credit bureaus in  XXXX  and was removed from  XXXX , however NRA refused to remove the account from  XXXX  and  XXXX , therefore knowingly and willingly leaving the incorrect information on my account.
Product: Debt collection

XXXX, XXXX. 2017- Received call about a debt over ten years old. Guy claimed to be paralegal representing XXXX. When I asked him to send notification of alleged debt to my mailing address, he refused and offered to email me something instead. I told him I knew my rights and that I could request written notification and they would have to comply. He then said I likely gave this song and dance to people in the past. I dealt with XXXX XXXX XXXX for many years and still do, XXXX XXXX XXXX XXXX XXXX XXXX. I have received nothing from any bank regarding a debt. I asked the man three times to put something in the email and he refused to comply. When I looked up the company number, online forms stated it was used for various scams. Any debt I had in my twenties is beyond the statute of limitations. My credit rating is high and I have a bank account with XXXX. This call came out of the blue. He had my SSN. However, he would n't comply with request for verification of debt in mail and that raised red flags for me.
Product: Debt collection

I have an unverified account from Pinnacle Credit Services on my credit reports. I have repeatedly disputed this account with Pinnacle Credit Services and the credit bureaus. It is from a XXXX account that I paid directly to XXXX more than XXXX years ago. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that Pinnacle Credit Services provide verification of the following : 1. The original application or contract 2. Any and all statements allegedly related to this debt 3. Any and all signed receipts 4. Original date of default and collection activity dates 5. Whether you purchased the debt, and if so, the amount paid for the debt. 
6. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 
I demand that the account be removed from my credit reports and that Pinnacle Credit Services cease all communication and collection activities until providing verification of this supposed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00}
Product: Checking or savings account

I opened an account with onJuno the online bank. I put {$5000.00} dollars into it. For a while, it seemed to work fine. In XXXX, they quit paying interest. I tried to get my money out several times. They claim there is an issue with some banks they deal with. They originally said I would get my money in XXXX. Now it is the end of XXXX, and I still can not access any of my money or close my account. They are holding my money. It is currently worth about {$5400.00}.
Product: Bank account or service

We filed a claim the other day due to the way we were treated by Bank of America when my brother and I went to obtain our money as POD 's on our dads account. That is case # XXXX. Today I received a call from XXXX XXXX at Bank of America, phone # XXXX ext XXXX to try to resolve the cfpb claim. XXXX XXXX did n't know my dad 's name, account #, dob, or SS #. She asked that I give her the information to which I refused. This adds insult to injury that Bank of America would have the audacity to call me with the intent of resolving a claim through cfpb without having researched the claim or the need for the complaint. In am infuriated and insulted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I disputed the XXXX with the credit bureaus and requested a method of verification on how they verified the late payments. Now they have added late payments to closed accounts for XX/XX/2019 when these accounts were closed 2 years ago. 

After speaking with XXXX an XXXX representative he informed me that no information has to be verified, They just leave it without proper investigation.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following issues with my Bank of America credit cards : * The Bank of America Cash Rewards Credit Card has charged me excessive junk fees, which is illegal. 
* The Bank of America Travel Rewards Credit Card is reporting a missed payment on my credit report, even though I never missed a payment and the account is closed. 
I have never missed a payment on either of these credit cards. I have always paid my bills on time and in full. I have also never received any notice from Bank of America about any late payments. 
I believe that Bank of America is violating my consumer rights by charging me excessive junk fees and by reporting a missed payment on my credit report when I never missed a payment. 
The following consumer laws and codes protect me from these practices : * The Truth in Lending Act ( TILA ) prohibits creditors from charging excessive fees on credit cards. 
* The Fair Credit Reporting Act ( FCRA ) prohibits creditors from reporting inaccurate or incomplete information on your credit report. 
* The Consumer Financial Protection Act ( CFPA ) prohibits unfair, deceptive, or abusive financial practices.
Product: Mortgage

I am a XXXX year old female who was attempting to apply for refinancing my home. Quicken Loans would not progress with the application until I provided the names of any ex husband as well as the dates I was married to them. I claimed sexual discrimination explaining that the last marriage was 27 years ago. They would not proceed until the information was provided.
Product: Debt collection

I do not have a contract with Afni. I am not liable for the collection of this debt from XXXX. I am not responsible for this debt.
Product: Credit reporting or other personal consumer reports

There are some errors I noticed on my credit report. I always pay this account on time.
Product: Credit card or prepaid card

Received a pre-paid gift card as a gift. Tried to use it at a retail store, but was declined. Tried to activate and register the card on-line via the " XXXX  website by entering the card number, but was told to contact the company via the phone number on the back side. After 90 minutes on hold, I was told that I was to try to register it online. I advised the agent that I tried that and it didn't work. They then said to call the XXXX number on the back, and register it. I said that is the number I called and it didn't give me an option to activate it online. She kept repeating that it has to be done via the phone number. I repeatedly told her that that is the number I called and it did not help. I asked to speak to a supervisor and was told none were available because of long wait times. Basically, I have a pre-paid gift card that I am not able use anywhere and can't get the necessary help to activate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and XXXX reports recently showed three Hard Inquiries that I didn't authorize. I am requesting that they be removed from my credit immediately. 

XXXX ) XXXX XXXX / Inquiry Date : XXXX XXXX ) XXXX XXXX / Inquiry Date : XX/XX/2023 XXXX ) OneMain Financial / Inquiry Date : XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Re : Dispute of Debt Account Number : [ Last XXXX digits of the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally dispute the validity of the debt referenced above, In accordance with 15 U.S.C. 1692g, I am requesting that you provide me with validation of this debt. Specifically, I ask that you provide the following : XXXX. XXXX. XXXX. XXXX. The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A copy of any judgment ( if applicable ) ; Proof of your authorization to collect on this debt.

Please be advised that 15 U.S.C. 1692g ( b ) requires that you cease all collection efforts until you provide the requested validation. If you fail to provide this information, I request that you immediately cease any further attempts to collect this debt and remove any record of this debt from my credit report.

Additionally, under 15 U.S.C. 1692c ( c ), I request that you cease all communication with me regarding this debt, unless you are taking specific legal action or providing me with the requested validation. This request applies to any form of contact, including but not limited to phone calls, letters, or any other method.

I also request that you suspend reporting this debt to any credit bureaus until you provide proper validation of the debt.

Please provide your response in writing to the address listed above. As required by law, you have 30 days from the receipt of this letter to respond. If you are unable to validate the debt, I request that you cease all collection activities and remove this account from my credit report immediately.

Thank you for your attention to this matter. I look forward to your prompt response
Product: Money transfer, virtual currency, or money service

I am writing this to the Consumer Financial Protection Bureau humbly requesting for your help regarding my un resolved issue with XXXX. A very unfair action.

They permanently limited my personal account without a notice and didn't disclose a clear reason to what specific activity resulted to that limitation. 
This shows a lack of transparency and consumer welfare. 

I submitted my National Identification Document ( ID ) as requested but immediately my account got permanently limited. ( If not an error from their end ) They deactivated their message centers so i wouldn't get access to help. The other thing is that they are holding my money against my will & not citing the reasons for that. 
I have been since calling their support phone numbers but their customer support team doesn't also seem to get close to getting a solution.. Keep on repeating the same thing ( we can't resolve the issue with your account ). This is a clear way to show they are not transparent to their customers & they don't care about the welfare of their customers too.They neither give a reason as to why my account was permanently limited. This is really affecting my activities and i feel they are going against my rights as their customer. Kindly look into this issue Sincerely, XXXX XXXX XXXX.