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

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX 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 I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are Experian : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I recently had a check I sent to my long distance company stolen along with other check sent to that company according to a company spokesman I talked to.The check was then rewritten and cashed for {$2400.00}. The person used a fake name, no identification nor account number was on the cashed check. No stamping was on the check from a bank. I reported this to Bank of America on XXXX XXXX, 2015 and was told the matter should be resolved in 2 weeks. I started calling XXXX XXXX, and was told a analyst would respond within 24 hours.I still have not been contacted by the bank. In the meantime BoA is bombarding me with returned check fees. Again I was told the analyst would call me and take care of it. It is now 22 days since reporting this theft and still no phone call, e-mail or mail response from BoA.
Product: Mortgage

New Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) New Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) Old Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) Old Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) When the old account " XXXX '' transferred to the new account " XXXX '' the principle payments were not applied. This resulted in my balance being reset. The payment amount also changed. This is an interest only loan associated with my main mortgage. I financed my down payment through a mortgage program offered during my transaction. This is also reflected in my closing documents. I now have a billing statement that went from $ XXXX to {$1300.00}. They're also charging escrow and principle on this loan which is not allowed. 

I have contacted this company multiple times, but no one has corrected this issue. I want to get this resolved. I have never been late on any payment and shouldn't have to chase the bank down to rectify this error. 

The larger loan seems to be correct, but I would like to see how the payments were applied just to verify that the principle balance is being reduced.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed a loan agreement with XXXX XXXX XXXX. It was a car loan in the amount of {$17000.00} for a XXXX XXXX XXXX. I made payments from XX/XX/XXXX- XX/XX/XXXX. I stopped making payment because my car was impounded and sold between XX/XX/XXXX and XX/XX/XXXX. The remainder of the loan for XXXX XXXX XXXX was for {$13000.00}. They sold my loan to Profesional credit service on XX/XX/XXXX. XXXX XXXX XXXX has refused over 10 times to update there information on all XXXX bureaus when it comes to when the debt was sold and to who it was sold, this continues to mark me as a late payment with trans unions credit report because the have continued to neglect updating that I dont have to make a monthly payment to them anymore because Im settling with professional credit union who they sold too. XXXX XXXX XXXX is being completely unhinged and outright dishonest about there practices. Please help me with this dilemma as Ive tried over a dozen times.
Product: Checking or savings account

I filed a dispute with my bank, U.S. Bank, over a problem I had with a hotel stay on XXXX. The credit was {$140.00}. They tried to close the dispute saying that the hotel credited my account but they made a mistake. They thought that my security deposit refund of {$100.00} was part of the credit. Then they completely fabricated a {$41.00} credit which never appeared in my account which is very concerning to me. They reversed my credit on XXXX 

I called the bank quite a few times about this and they keep telling me they will reopen the case and put the provisional credit back on my account but they never do. They are stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX Account XXXX XXXX account number XXXX ( {$5800.00} ), Has violated my rights. 15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy. 15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have two credit cards with Chase Bank ( JPCMB ) which were closed on XX/XX/XXXX. I contacted Chase and I was told because I have a derogatory account with them from XXXX, in addition, I was told because I add authorized users and at some point remove them. They transferred me to the collections department who couldn't find any account-based off the account number they gave me as the derogatory account. I explained to them that I have never had an account with Chase prior to XXXX and that I was a victim of Identity Theft a long time ago. I also have a police report that documents this. I have been calling them since XX/XX/XXXX only to get conflicting information about why they closed my two accounts that are in good standing. I was told a supervisor would call me which someone did but during their investigation, the call dropped and he never called back. I tried calling back only to get a different person from the fraud department who also was investigating and could not find anything that lined up with what I was previously told. Shortly into that call it also dropped due to the reps bad connection, and again she did not call me back. I am very upset at my accounts being closed after 6 years and the other two years. They wrongfully closed my accounts stating I have derogatory marks on my credit from an account that is delinquent with them that no one can seem to find. In addition, if there was a delinquent account on record why did they. and how could they approve me for a card without knowing this or seeing this in their records 6 years ago? Lastly nowhere in my cardmember agreement states that I can not remove the authorized users that I add. I feel that I am being targeted and discriminated against because of the authorized users so they are insinuating that I have derogatory accounts with them. I am asking for assistance with this matter to get my accounts reopened in the same reporting status they have been, and with the same history. I have never missed a payment on my accounts, I have never abused or misused my accounts, and I am on autopay to ensure my cards stay paid on time and current.
Product: Credit card or prepaid card

During this Pandemic we are struggling and your bank is telling people that if they want their card EXPEDITED they have to pay a fee. This is not a replacement card issue. This not exceptable. The bank is holding our cards hostage to make a profit off of us. 
I am writing to Gov. XXXX and then to consumer affairs. This must stop. The only way to send a card is After XXXX has sent the information. It can not be expedited. Your taking advantage for profit. This is not the time.
Product: Debt collection

This debt originated out of a tenancy with a XXXX property management company. My husband and I vacated the property due to a habitability issue. We complained in writing ( XX/XX/XXXX, XX/XX/XXXX ), gave notice to vacate in writing ( XX/XX/XXXX ), left a forwarding address ( XX/XX/XXXX ), requested our security deposit back ( XX/XX/XXXX ), everything in writing and made copies of all of this for our records. They never gave us a breakdown of what we owed or notified us that they would send it to collections. 

In XX/XX/XXXX we received demand letters from National Credit Systems ( NCS ) of a debt from our former landlord, with no breakdown or explanation of the debt, only an amount total, and language stating NCS reported the debt to all 3 credit bureaus. The letter also threatened garnishment, liens, and or seizure and auction of personal property. We responded in writing that we denied owing the debt ( XX/XX/XXXX ). We contacted our former landlords in writing at the same time, and again received no response. NCS eventually sent us a breakdown of the fees but would not talk to us about disputing the debt at all. We received demands from an attorney in Georgia, XXXX XXXX XXXX, and also responded to them denying the debt in writing. We then contacted XXXX to begin disputing the reporting of a debt. 

This year ( XX/XX/XXXX ), my husband called NCS ( phone call on XX/XX/XXXX to the number XXXX extension XXXX ) to  dispute the debt and a XXXX XXXX told him that he was NCS 's lawyer and tried to pressure him into paying the entire amount. He asked questions such as, " Did you even leave a forwarding address? '' and " Did you ever ask for your security deposit back? '' When Mr. XXXX began reading through the documents we sent them he could see that we did request our security deposit back and did leave a forwarding address. I mention this because it was clear he had not read the documents we sent NCS. After answering his own questions, he announced " this is going nowhere '' and hung up on my husband. I looked his name up on the Georgia State Bar website and got back no information. We do not trust that this person is a lawyer, especially when a different lawyer contacted us regarding the debt, and we are not comfortable talking to someone like that in negotiation or discussion of any alleged debt when he uses harassing tactics. We are not sure if we should proceed by calling NCS again or the attorney, nor are we sure that by talking to either of them we will get anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since The first week of XX/XX/XXXX, Ive been trying to access the self service site to freeze and unfreeze my credit, like Ive been doing for a few years now! Suddenly I havent been able to access. I gave it a little while because at the time it wasnt an emergency. Fast forward to XXXX  XXXX when I tried accessing again, thinking that everything would be resolved and fixed with their systems and it wasnt! I called and got the run around, they kept asking me for some 6 digit pin that I wouldve set up years ago when I made the accnt ( which I didnt know/remember because when you access the self service system it doesnt ask you for anything but your sign on and password ). OVERLY frustrated and having to be transferred from rep to rep ( no one in the US ) and being gaslight into thinking I was the issue and avoiding my questions of why I couldnt access my own credit freeze OR report, I finally got transferred to someone in technical support, only for him to tell me its an issue on my end ( which it wasnt ). When I advised him that it wasnt my issue he hung up on me! From XXXX until yesterday XX/XX/XXXX between XXXX messages and TEXT to my phone, nothing! Ive never had issues in the past with TransUnion but at this point, theyre causing me undue stress and hardship not being able to allow ME to access my own stuff! They said they had to perform some type of maintenance but was very vague on what! I need my account fixed NOW! Ive been way too patient for them to be doing all of this! Here today still cant access anything! When I tried to use a service that uses soft pulls from XXXX, its stating they cant access it even though I had to manually ask them to lift it! I shouldnt have to call, write or anything to access something everyone else is able to access using their self service site, service.transunion.com. I have the whole text conversations in my XXXX messages saved! I will upload a portion but its too much to add everything. Also the text messages in my phone! This service has been horrible and its unacceptable! 

Fix my account TransUnion before I hire a lawyer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-signer on my husbands lease account with XXXX XXXX XXXX. There have been two 30 day late payments reported to my credit report without me being notified that the payment had not been made. My husband and I are currently separated. I never received a phone call or a letter about this account running or being late. This is unfair and unethical. My credit should not suffer for someone else 's mistakes. I am the CO-SIGNER and not the primary account holder. If someone called me from XXXX I would have made the payment myself. The first late payment was in XX/XX/XXXX and the second late payment was XX/XX/XXXX. I reported this information to Equifax but a thorough investigation was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Product: Mortgage

My husband lost his XXXX business in XX/XX/XXXX. Since then he has been working in the XXXX but was getting laid off constantly due to lack of work. He is now working as a XXXX employee for a good company and we are again hopeful. 

In XX/XX/XXXX we were approved for a loan modification and right before we made our last trial payment, they switched our servicer to Specialized Loan Servicing on us and told us we had to start the process all over again. I have been working with them consistently to get a modification so we can continue living in our home with our XXXX children but they have given us the run around saying they lost paperwork, sent paperwork to the wrong department, etc. Then in XX/XX/XXXX they said was that there was a sale date on our home and there was not enough time to evaluate. I went to the Sheriff 's office and got a postponement. After that, they got another postponement of XX/XX/XXXX. Since I had n't heard from anyone ( another issue with SLS ) I called them and they told me that we were denied because of income. After finally pulling up the hard copy of the denial on the internet, I realized that they did not have current income information for my husband. 

I went to the Judge in XXXX county and told him what had happened and asked for another postponement. He granted it and the new date is XX/XX/XXXX. I have also contacted XXXX NJ and am working with XXXX XXXX who suggested I contact you. 

There is a lot more information than this as we have been going through this since XX/XX/XXXX. If you need anymore information I will gladly supply it.
Product: Credit card or prepaid card

Didnt not want to sign y for a credit card because I got denied in the past by the same consumer for not having valid ID
Product: Mortgage

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint on Navy Federal Credit Union for continuing to report the following accounts. Accounts ending in the following numbers XXXX XXXX XXXX XXXX were mailed and cashed by Navy Federal Union that stated ACCOUNT PAID IN FULL. Navy Federal Credit Union accepted the terms and cashed the checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove these accounts before I see litigation for defamation of character ) XXXX XXXX {$3400.00}, XXXX XXXX {$3900.00}, XXXX XXXX {$5400.00}, XXXX XXXX {$290000.00}, XXXX XXXX XXXX XXXX XXXX {$650000.00}, XXXX  balance {$52.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XX/XX/202XXXX 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 XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Money transfer, virtual currency, or money service

Dates:XX/XX/2020 Amounts : {$520.00} {$500.00} {$200.00} action taken by you : Consumer Financial Protection Bureau File a complaint Paypal unable to refund my money that belong to me misleading advertisement receipt say contact Paypal for support . Contacted Paypal No support Permanent limitation Contacted US Congress XXXX XXXX XXXX Delegate to United States House of Representatives Office seemed powerless to stop Paypal from limiting accounts.
Product: Credit reporting or other personal consumer reports

company 's failed to verify accounts within the 30 days period. that's in direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within 30 days time period, you must delete all the disputed accounts from my report. cfpb you also fail to recognize this and. i requested i complaint last week and not chose to help my situation. i see accounts that i believe they are not accurate and not verified by me sending the letters and they not responding thats a violation of the FCRA i demand a reinvestigation. i will also do a complaint with the FTC
Product: Credit reporting or other personal consumer reports

credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resending complaint for XXXX complaint. you closed the complaint saying you didnt recognize customer. Attached is my id to validate who i am. 
Iam a federally protected consumer. I sent letters excising my rights. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX and XXXX ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my ongoing concern and frustration regarding the presence of fraudulent items on my credit report, despite my previous attempts to rectify this matter. I have recently submitted a second dispute to address these issues, and I am disappointed to note that the fraudulent items persist in my credit file. 

I initially became aware of the fraudulent activities and promptly reported them to your bureau. I followed the necessary procedures, including submitting supporting documentation and filing a police report, as required by your dispute resolution process. Despite these efforts, it appears that the fraudulent items remain on my credit report, negatively impacting my creditworthiness. 

Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, the police report, and any other supporting documentation submitted during my initial and subsequent disputes. It is disheartening to see that the fraudulent items continue to tarnish my credit history, making it difficult for me to secure loans, credit cards, and other financial products. 

I understand the importance of a thorough investigation in cases of identity theft or fraud, and I appreciate your commitment to ensuring the accuracy of credit reports. However, I urge you to expedite the review process and take swift action to remove the fraudulent items from my credit file. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that timely resolution is crucial to my financial well-being. I kindly request that you conduct a comprehensive investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. 

I would appreciate your immediate attention to this matter and request that you keep me informed of the progress of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my FTC report and license to Experian, XXXX, and XXXX. I am following to correct steps to report identity theft. I have fraudulent accounts reporting on my consumer report.
Product: Money transfer, virtual currency, or money service

I sent {$100.00} thru WesternUnion to be pick up in minutes transfer number XXXX when the receiver went to pick it up they said I have to call and when I called they stay that this transfer violate theirs policy ... and i have to wait 7 business days in order to my money be credit to my account ... how is that fair if they never paid the transaction .... when I asked for the corporate number the representative left me in hold for more thats 25 minutes to give me the corporate number ... how is that fair for consumers