23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX Inquiry date : XX/XX/year> PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Mortgage

On XX/XX/20, I used XXXX XXXX to shop around for mortgage refinancing rates. AmeriSave appeared to have the best rates. I was only interested in a 15 year fixed with no points. Once I selected the option based on the quotes provided ( at 2.125 % at the time ), I started the application until I got to the part that I needed to authorize the credit check. I wanted to confirm the rate I was getting before authorizing the credit check because I didn't want my credit score to be affected if the rate was not what I wanted. I called the toll free number and a loan consultant answered the phone right away. He confirmed on the phone that I would be getting 2.125 % with no points. He then collected all my information ( it took around 10 minutes ). When it got to the end, he told me that my rate without points would be 2.625 %. I was very upset because the whole reason I called was to confirm my rate before authorizing the credit report check. Needless to say I did not go with them. I then went to XXXX XXXX to check the rate options from AmeriSave again and took a screenshot. Although the rate went up slightly ( 2.25 % ), it was clear it still showed no points.
Product: Checking or savings account

I had my card copied and was used at XXXX XXXX XXXX and XXXX Bank of America put the claim in wrong that I got charged 2 times and would provide recent never got anything in the mail then they took out of my account.I then called and told them they made a mistake and these were fraudulent.They put a claim in and these companies wouldn't give the money and closed my account without telling cause I was XXXX overdrawn and charge backs were for XXXX XXXX XXXX and XXXX now they are holding onto my direct deposit from my and are going to take it out of that money which I need to pay my mortgage and car payment.they did these charges XX/XX/XXXX XXXX
Product: Mortgage

I currently have a mortgage with Banco Popular. My mortgage loan has always been set up in auto pay and always paid on time. We moved to Florida in pursuit of new employment in XX/XX/2018 and without any notice, Banco Popular cancel my auto pay and that cause a 30-day late reporting on our credit. We never cancel the auto pay option in our Mortgage with Banco Popular. We have enough funds on our account to cover the regular payment on a monthly basis, Banco Popular failed to give us notice either by phone or mail to let us know the Mortgage was past due. It was not until over 30 days that we received mail letting us know the payment was delinquent. We advise the lender that there was plenty of funds in our account and asked why the payment was not withdrawn automatically as always for over 6 years. They told us the auto pay was cancel. We never cancel the auto-pay option. The account was set up from the beginning to be used only for Mortgage payment only it was set up for that purpose. Banco Popular refused to research why the auto pay was cancel and they have no record or evidence in writing or in the computer showing date and time of cancellation. They refused to remove the 30-day late payment from our credit. It has damage our perfect mortgage payment history and credit. We need help with this financial institution. They don't have the knowledge neither know the REG 's that are violating when they refused to investigate and correct their error.
Product: Credit reporting or other personal consumer reports

This serves as my follow-up regarding my previous complaint dated XX/XX/XXXX, emphasizing the necessity to promptly delete the specified items from my credit reports. For your convenience, please refer to my recent FTC report with # XXXX, which I have reattached to this complaint. The items I wish to have removed from my credit file are outlined per bureau : -- -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expunge any items in the consumer 's file identified by the consumer as information resulting from alleged identity theft within 4 business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not being reported accurately. I do not owe any money on this account. This account was paid in full and closed
Product: Debt collection

This account does not belong to me. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. HOWEVER they send bills that bluntly have the last XXXX digits of someone else 's social security number. This account is not mine. I have been disputing it with the credit bureaus and company since XXXX and no one can show me proof that it belongs to me. I sent proof the account Is not mine to the XXXX bureaus and they still wo n't remove the account. Please help me remove this account especially now that it is reporting negative.
Product: Credit card

The XXXX XXXX  from Barclays regularly does not show the correct amounts subject to interest on the Interest Charge Calculation page. In the current period I have purchases of XXXX XXXX, a transfer balance, and a fee. The interest calculation page shows only interest on {$120.00} and 0 % interest on only part of the balance transfer ( which as per the offer should be fully included ). There is no way for me to ascertain the correct amount to pay to not incur interest since I don't know if they can charge interest on the fee. I called and asked and was told that they could not control payment ALLOCATION so, in theory, I could pay all the amount subject to interest ( if I could figure out what it is ) and STILL be charged interest since they might allocate some to the {$0.00} interest balance.

This is not the first time I've encountered this issue on this company 's statements. The balances on the interest calculation page NEVER match the actual amount due, often showing balance higher than are actually owed being subject to a special rate.
Product: Debt collection

I have no idea what this is for. Have not received any information about what its for from Phoenix financial or who is listed as an original creditor. How is this allowed to effect my credit when I HAVE NO IDEA WHAT IT IS. Says XXXX XXXX XXXX XXXX?? I have not been treated there in years. Is this for my adult daughter who may have been treated there and you somehow attributed it to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 citizens bank enter a hard inquiry on my credit report. I never gave them permission or did I ever contact these people on any service. Thank you
Product: Credit card

AVANT charged me interest of {$7.00} on my XXXX billing statement when there is NO balance on my credit card account. This is theft on the part of AVANT because I paid my balance of {$560.00} in full twelve days early. Therefore I do not owe AVANT any interest and I told them I will not pay the {$7.00}. AVANT has refused to refund me the {$7.00} that they owe me back to my credit card account. AVANT is also trying to force me to pay them {$7.00}. AVANT told me that I have to pay my balances in full for two consecutive cycles to not be charged interest WHICH I KNOW IS A COMPLETE LIE BECAUSE THAT IS NOT TRUE. If I paid my balance in full twelve days before the due date I dont have to pay AVANT any interest on a {$0.00} balance. And AVANT wants me to pay them interest on a {$0.00} balance. I am requesting to apply to be a part of the XXXX XXXX lawsuit that the Federal Trade Commission won against AVANT so that AVANT can refund me my money back. AVANT IS A FRAUDULENT AND DECEPTIVE CREDIT CARD COMPANY THAT WANTS TO STEAL MONEY FROM THEIR CONSUMERS. AND I WILL NOT LET THIS HAPPEN TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX or early XXXX I was informed of fraudulent activity. I disputed the charges and the card was cancelled. I was informed this month I was not liable. Last week via credit report I found out i had a balance due of {$5200.00} and today I found they say I have a late payment. Ever since my card was cancelled I have never gotten a bill either by E-Mail or postal service. I have spent hours on the phone to overseas call centers and today with a Texas call center. The people I spoke with agreed they saw the charge and did not know how I was liable with a card with a limit of {$1900.00}. I was told to call the fraud XXXX to follow up where I left my name and number and was advised I would be contacted within two business days. This companies service department is designed to deflect, delay and ware down the resolve of its customers. Has well as report fraudulent balances they acknowledge they cant explain. This reflects on my credit score and they are little to no help resolving it. It was a credit report that brought this to my attention neither by E-mail, Post office letter or phone was I made aware of any late charge or balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to report Affirm ; they have reported three times that I have a delinquent account on my XXXX report. My question to them is open your books and show me the accounting that I still owe money to you I can not call you, because your company has no number and how do I get a hold of you besides escalating this false reporting as the FRAUD it is. Open your books me and show me that I owe you any money You have reported three times the SAME thing delinquent account on these dates : XX/XX/21, XX/XX/21, XX/XX/21. I want all of these removed or I will keep this matter on going time and time again. This is FRAUD. And I wish to have my remedy. Last thing Id like to add is that on their website at the footer it says do not sell my info is charging off my account and selling it to another company just that?
Product: Checking or savings account

I had multiple deposits made into my US Bank checking account, including {$710.00} on XX/XX/XXXX, {$290.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. The receipts confirming the dates and amounts can be provided upon request. 

I made a payment to my XXXX credit card from the same US Bank checking account in the amount of {$170.00} on XX/XX/XXXX. 

US Bank fraudulently changed the order of these transactions in a way that made my account appear overdrafted when it was not : They posted the XXXX credit card payment on XX/XX/XXXX, and all XXXX deposits on XX/XX/XXXX. Then they assessed a {$36.00} overdraft fee. 

I called US Bank on XX/XX/XXXX to request that the overdraft fee is removed because no overdraft has occured. The representative was evasive and uncooperative, claiming that they received a " notification '' about my payments " after XXXX on XX/XX/XXXX ''. Despite my explanation that they were in posession of my deposits for days before the disputed overdraft took place, the rep refused to consider a refund of the overdraft fee.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Fortiva overcharges on interest and maintennace fees. They also do not want to renegotiate terms with people who have their accounts in better than good standing, like me. Here is a link to some of the outrageous fees and rates they charge : https : XXXX 

I only opened it to re-establish credit/improve credit. I am on XXXX and want to have a card in case of emergencies, and don ; t want to pay {$150.00} per year just to have a card open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out SEVERAL times and they will not update my personal information to report correctly, and I have a couple hard inquiries that need to be removed as I did not authorize these. They will not even discuss my credit report or my information with me. Very unprofessional as to why I will be seeking legal action if these items below are not corrected in a VERY TIMELY manner. 
Per the legal advice my name needs to appear as it does on my ID XXXX XXXX XXXX any and ALL other names need such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to be removed. 
My address needs to be updated to XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX - never lived here Remove XXXX XXXX XXXX XXXX, Va XXXX - no such street - do not live here XXXX XXXX XXXX XXXX XXXX Va XXXX- do no live here Remove XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX- do not live here Remove employer XXXX - I do not work here Remove XXXX XXXX XXXX I do not work here My employers is XXXX XXXX - UPDATE to reflect this employer These XXXX inquiries were NOT authorized and only XXXX ran my credit through them in XX/XX/2021 - how these others got on here are beyond me as I only authorized one credit run when I bought my car. I spoke with XXXX and they said they did not request these inquires as they knew only to try one bank. As NOBODY would shop around and allow this many hits on their score and credit report. I am beyond livid that this is on my report to begin with. 
If these items are not removed and or updated in a timely manner I will be getting a lawyer to look into this and will sue if i need too. This is affecting my credit rights, consumer rights and withholding me from providing for me and my children. CORRECT THIS NOW!!!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A financial institution by definition under that title.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is now revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I have been in the process of transferring funds from my UFB Direct account into another account that I own. For exactly XXXX  days now UFB Direct is telling me that my account is undergoing maintenance But they wont tell me why and wont let me gain access to my money. I have over {$2000.00} being held hostage for XXXX days now and I am being told that I may need to wait another two days. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit card or prepaid card

Purchased a Netspend pre paid debit card at my local XXXX store on XX/XX/2020. Paid {$50.00} for the card plus {$2.00} fee. Tried to activate card using telephone, computer and speaking with a live person. Told information that I used was not consistent with their information. I never purchased a Netspend card before. Only purchased to give to my son for use for transportation. Company won't release alledged information that they are using to keep from activating card
Product: Debt collection

I ordered XXXX XXXX hoodies and XXXX boots from dillards. The XXXX  boots came and were delivered along with the photo from XXXX. The hoodies were shipped seperately and they were misdelivered-along with XXXX  photo showing a different background and wrong address. I called SEVERAL times with a few case numbers given but they would not remove the charges even though all proof and documentation was sent to XXXX. XXXX even said for dillards to file a claim do they would get reimbursed and XXXX REFUSED.
Product: Checking or savings account

ON SATURDAY XX/XX/2021, I RECEIVED A MAILING FROM CHASE BANK AND THERE WAS A NEW DEBIT CARD FOR A NEW CHECKING AND SAVING ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE. I CONTACTED THE BANK AND THEY SAID IT IS NOW CLOSED THEY DO NOT KNOW HOW IT WAS OPENED AND ARE MAILING ME INFORMATION TO CLEAR MY NAME. MY COMPLAINT IS MY SOCIAL SECURITY WAS USED PLUS ALL MY INFORMATION IS OUT THERE. THIS IS THE FIRST OF 2 BANKS IN 1 WEEK.
Product: Mortgage

I applied for a Home line of credit with Bank of America in XX/XX/XXXX. It is now XX/XX/XXXX and loan is not complete. I have no employment gaps or credit issues and need loan for home repairs. I provided all of the needed documents in a timely manner even though they sent request by mail and documents were needed before I received the letter. When contacting the bank because there was no response, they told me it would be 3 months before my loan would be processed. However they previously approved me for a car loan in seconds about a month before. One of here home loan processor closed my application stating documents were missing documents or he could not contact me after I had been leaving messages for months with my contact information. They were calling my home number before XXXX and I stayed on the application to call after XXXX pm because application noted they closed at XXXX. If they leave a message on my home phone they are closed by the time I retrieve the message. I gave my cell phone number every time I called because they said it was incorrect in the system. However I was able to get them to reopen the application. I told them I felt discriminated against because there was no reason for my application to not be approved. I am an XXXX American woman. I turned in everything requested in a timely manner via electronic by email. Once the application was approved by underwriting it was sent to closing who contacted me by calling my home phone only because he said cell phone was incorrect, as I stated earlier I gave my cell phone number every time I called, which was at least 2 times a week. Closer called Wednesday, XX/XX/XXXX, but I had been contacting my loan processor who was out of the office for the week and when I called the closer on Monday, XX/XX/XXXX, I was informed documents expired and they had to request again, unbelievable. If time is of the essence why are they taking so long to process paperwork was my question to loan processor. They can contact me by home phone, cell phone, or email but they choose to only contact me by home phone which I am not able to retrieve until after XXXX or later when I return and they are closed. I feel as though they are purposely mishandling my application because I am continually contacting them providing all information that is needed but I'm not receiving the proper response in return.