23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

( CA ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 If I have reason to believe Acima Credit is in violation of several consumer credit protection laws under 15 U.S. Code Chapter 41. More specifically the laws listed under 15 U.S. Code 1605.

In the original leasing agreement with Acima Credit, the company states that there is a loan processing fee of {$20.00} for processing and preparing documents for the lease. This is in direct violation of 15 U.S. Code 1605 ( e ) ( 2 ) which states that, items exempted from computation of finance charge in extensions of credit secured by an interest in real property SHALL NOT include fees for preparation of loan-related documents. The {$20.00} charge from Acima is evidence of this violation.

Moreover, 15 U.S. Code 1605 ( f ) ( 1 ) ( A ) states that credit transactions not under an open-ended credit plan secured by real property shall not be treated as accurate if the amount disclosed in the finance charge varies by more than {$100.00} of the original finance charge. The cost of payment in the original leasing agreement shows that this varies by more than {$100.00} from the cost of the amount of credit that was extended to purchase the real property. This also violates 15 U.S. Code 1605 ( f ) ( 2 ) ( A ) which states that the amount disclosed as the finance charge should not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended.
Product: Mortgage

This is a continuation of my prior complaint which was not resolved. We were told by SPS on XX/XX/year>2025 that their lawyer was in receipt of our file and that the process of reviewing the XXXX would take 3 to 5 business days. We were then told a week later that the process can take 8-10 business days. Again, as my prior complaint states, we have reason to believe that SPS is being deliberately slow in processing our file so that we are unable to refinance in a timely manner. We are clear to close with our other bank except for the XXXX which has now been in SPS 's control for over two months. This delay comes with absolutely no explanation of why it is taking as long as it is, despite our near daily communication with SPS to come to an understanding. We are desperately trying to leave this institution to move to a more competent bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code Section 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.

These accounts should not be furnished on my consumer report as they are in Violation!!! Under 15 U.S. Code 1681b-Permissible purpose 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 INSTRUCTIONS 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 IDENITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I kept getting overdraft fees because the bank would do a withdrawal before a XXXX every payday on purpose
Product: Mortgage

ON XX/XX/2023 I APPLIED FOR A MORTGAGE FORBEARANCE WITH LOAN DEPOT. I CONTACTED THEM EVERY MONTH TO KNOW THE STATUS OF MY APPLICATION AND THEIR ANSWER WAS THAT THE APPLICATION WAS IN PROCESS. IN XXXX I DECIDED TO SELL THE HOUSE BECAUSE I WAS SCARED OF LOSING THE HOUSE. I NEVER RECEIVED A DECISION FROM LOAN DEPOT. TODAY XX/XX/2023 I CONTACTED LOAN DEPOT TO SEND ME A STATEMENT WHY THEY TOOK 5 MONTHS TO COMPLEATE MY APPLICATION AND THEIR ANSWER WAS THAT THEY DON'T ISSUED STATEMENT FOR THIS KIND OF REQUEST. THEY CLAIMED THAT I SUMMITED THE APPLICATION IN XXXX WHICH IS A FALSE STATAMENT PLEASE SEE ATTACHMENTS. I BELIEVE LOAN DEPOT ACT IN BAD FAITH TAKING MONTHS TO TAKE A DECISION FOR MY APPLICATION. LOAN DEPOT TOOK THE NEXT STEP TO DAMAGE MY CREDIT. PLEASE CHECK THE EMAIL ATTACHMENT WHERE I RESEND PAGE NUMBER 2 IN XX/XX/2023. LET 'S ASSUME THEY RECEIVED MY APPLICATION IN XXXX, THEY TOOK XXXX, XXXX AND XXXX AND STILL NO DECISION WAS TAKEN.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY XXXX, EQUIFAX CONSUMER REPORT I HAVE UPLOADED MY FTC REPORT UNDER OATH THIS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681a. ( 2 )
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. 

List of Unauthorized Inquiries : XXXXB 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 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: Debt collection

In late XX/XX/XXXX, I received alert about several hard inquiries on my credit report. I called all companies on my report at that time to report fraud and those hard inquiries have since been removed. Most of the accounts failed approval because they could not complete proper documents to get approval. 

Two days ago XX/XX/XXXX, I noticed a significant drop on my credit score provided with my credit card statement. It turns out this was secondary to a delinquent account with XXXX XXXX that was sent to collected via CREDIT SYSTEMS. Apparently an account USING MY SOCIAL was opened XX/XX/XXXX and closed in XXXX of XXXX. There is not a balance of {$360.00} unpaid. This was done in XXXX. TX, where I have never lived and where I have no family/associates. 

While looking at my experian credit report, I also noticed 4 hard inquires for which I am not responsible. One was with XXXX, one with XXXX  XXXX, one with XXXX and one with XXXX. I did not apply for any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

DID NOT AUTHORIZE THIS INQUIRY XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Venus card through Comenity bank. I just increased my credit Line from XXXX to {$1500.00} last year. My account was closed due to inactivity XX/XX/2020. Which this will impact my credit Due to Covid 19 I havent been using any of my accounts because my income has been reduced, theres a pandemic no one has been buying things that arent a necessity. Closing a good standing account during this time is Injust and unfair. They offered me to apply again! I dont this is fair when millions of people are out of work and having financial hardships. I just want my account fixed.
Product: Credit card

Company keeps giving I a void form. Than Company refused to enter name correctly. Company entered an invalid name in credit application. Company does not have option online to update name information where there is an error on display. Company abbreviated name against English language rules. company is mailing denial letter to home address which is intimidating to XXXX I asked for online support and they referenced me to fill another non english rule form that is void by the states federal holiday XXXX XXXX  given name. I request staff to follow english rule and enter name correct as written on ID. I keep getting XXXX forms or the staff keeps converting name into XXXX from XXXX. Than Staff also stealing US citizens creed units victory always and trying to apply from XXXX to XXXX to result in abbreviating name. It's every man for their self.
Product: Vehicle loan or lease

American credit acceptance, illegally repossessed my XXXX XXXX  while I was making payments. During a state of lock down. The company that repossessed my car is currently in jail for repossessing vehicles illegally and selling them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX  several times with the credit Bureaus due to inaccurate information showing on my credit reports. Experian continues to report even though they have not shown how the account was verified as accurate. 
XXXX was also reporting and once I disputed the inaccurate information, they removed the account from my credit report. Experian is violating my consumer rights by continuing to report this account without properly validating the debt and finding the inaccuracies that are being reported. 

Previously Experian stated that they submitted my dispute to XXXX XXXX and XXXX XXXX verfied the information as accurate, however Experian is the company that is reporting the inaccuracies and it is their duty to complete a full investigation. Forwarding my dispute to another company is not equivalent to an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  XXXX   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?
Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.
Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally  XXXX , unfamiliar with handling their own finances.
Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.
FCRA requires that all Credit Reporting Agencies are supposed to verify received from creditors before this information is added to your credit file.
Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.
The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
Product: Debt collection

On XXXX XXXX, when a mortgage loan was in process, an account that does not belong to Diversified consultant # XXXX that collects a lost balance with XXXX XXXX of XXXX was reported. This information reported incorrectly is adversely affecting the process of the purchase. I need to correct this information immediately and be awarded to the person
Product: Credit reporting

XXXX names are not mine. Each one has an XXXX inserted into my name which is wrong. This can be checked on my social security account info which I think you have, or on my employer reports ( XXXX, XXXX ) I think.
Product: Checking or savings account

I sent {$1500.00} from my fifth third checking account to a new XXXX account that was never received by XXXX. I called fifth third many times and formally submitted the case several times only to have them blame XXXX. The money was never received by XXXX and they ultimately closed the account. Fifth third wants XXXX to repay the amount thought XXXX never had the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Product: Mortgage

I purchased a condo here in XXXX just over a year ago and have been making monthly payments for the last year. 
a few months ago I started receiving email messages that THE INSURANCE ON THE CONDO HAD LAPST. I contacted the XXXX  insurance company and they looked it up and said my insurance is current. Mortgage company said they would be putting FORCED COVERAGE ON CONDO IF I DIDNOT SHOW PROOF OF INSURANCE ) I continued to receive notices and when I called the computer generated message it said my insurance had expired last XXXX ( I only bought the condo about XXXX XXXX. I called XXXX insurance back and they continued to show insurance was current. I had XXXX FAX PROOF OF INSURANCE TO THEM. 
I continued getting notices on expired insurance and finally got a real human to answer the phone and they said EXPIRED INSURANCE WAS FOR LAST YEAR! 
I was able to get ahold of XXXX again and they FAXED PROOF OF INSURANCE FOR LAST YEAR. 
On XXXX I faxed the letter from XXXX XXXX of XXXX XXXX XXXX XXXX ) showing I always had insurance since I bought the condo. 
On XXXX I received my statement from LOANCARE SHOWING THEY HAD TAKEN XXXX OUT OF ESCROW TO PAY THE INSURANCE. 
LOANCARE is very bad about answering the phone and refuses to refund the {$870.00} money taken out of escrow. 
thank you
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report as permitted under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Additionally, I am asserting my rights under the Consumer Financial Protection Act ( CFPA ) to ensure fair treatment and compliance with federal law. 
The information below is incorrect, and I request that it be investigated and either corrected or removed promptly : Account Name or Creditor : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX  Account Name or Creditor : XXXX XXXX XXXX XXXX Account Number ( if applicable ) : XXXX Account Name or Creditor : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX Account Name or Creditor : XXXX XXXX XXXX  Account Number ( if applicable ) : XXXX  Account Name or Creditor : PXXXX XXXX XXXX  Account Number ( if applicable ) : XXXX  Account Name or Creditor : XXXX XXXX Account Number ( if applicable ) : XXXX Account Name or Creditor : XXXX XXXX  Account Number ( if applicable ) : XXXX
Product: Mortgage

Credit declined by underwriters for supposed eviction XXXX. My daughter was evicted from a trailer park in XXXX. I probably co-signed for her. I don't know if this is what is causing the denial. I have tried to get information about what I owe for my daughter 's eviction and who I owe it to, but have not been successful yet. I moved to Florida in XXXX and never got any notice of legal action at the time.
Product: Credit card

On XX/XX/XXXX I booked a hotel via the Amex XXXX XXXX ( XXXX XXXX XXXX ) Reservation dates ( XXXX ) I received a reminder email about my upcoming reservation on XX/XX/XXXX Upon arriving to my hotel for check-in on XX/XX/XXXX ( XXXX BCN time ) it was discovered that my reservation did not exist and the hotel was fully booked. Myself as well as the hotel were on call with AMEX XXXX  agents for about XXXX hours trying to resolve the issue. It was discovered that XXXX XXXX the hotel and AMEX had terminated their partnership. Therefore the hotel never received my booking and if they had, they no longer accepted AMEX as a valid payment. The Agent confirmed they would be processing a refund for the hotel booking that didn't exist. At this time I received another confirmation email for the same booking not a refund confirmation ( XX/XX/XXXX ) The AMEX XXXX agent tried to find me alternate accommodations as all of the hotels in the area were fully booked. They were able to find me accommodations at a significantly more expensive hotel that would not be available until XX/XX/XXXX until around XXXX. This is the only hotel that was available and would be able to accommodate XXXX people. I was told to retain my receipts for reimbursement as I would have to pay for this out of pocket. I was also told a case would be opened for this incident. 

We ended the call and went to the second hotel where my parents, siblings, & I had to sleep un the lobby until a room could become available. 

On XX/XX/XXXX I received the refund for the initial booking. 

I called to follow up when I got back and was told the case was closed as I had received a refund for the initial booking. I explained the circumstances and they reopened the case. I called to follow up once more on XX/XX/XXXX. Once again they added more information to the case and was told I would be contacted. I was never contacted. I received an email that night stating a dispute for my initial hotel charge ( XX/XX/XXXX ) had been opened. On XX/XX/XXXX, I received an email saying a credit to my account was already applied which was the refund for my initial booking. I called again and have not been able to get any resolution as they have noted it was a vendor issue. This is an AMEX agency issue not the vendor as the vendor does not work with AMEX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Mortgage

My husband and I were relocated for his work. I had tried to sell our home several times but the town it is located in has become very rundown and values have plunged. We decided to rent it out, which worked for a few years but we were still having to pay in to make the mortgage payments. Finally we decided we could no longer try to keep this house, and we live across the country so I submitted the paperwork for a DIL. After 3 months, we were denied, at first Ocwen said it was because we had not missed any payments - which we had, then the story changed when I contacted Ocwen 's XXXX. I was told they reviewed the file and that it was concluded we made enough to pay the mortgage. They based this on a XXXX monthly gross income and a XXXX monthly debt..I requested they send me the guidelines that stated this was a sufficient DTI to live on. After reviewing the numbers we sent in, I noticed my husband actually forgot to include some of our debt.. so now I have to resubmit again, which I have no problem with, but I do not feel that was a legitimate reason for denial, as a family of XXXX can not make it on the numbers we were denied on. Ocwen did this before when I applied for modification of the loan back in 2010, every 3 months they were telling us we needed to resubmit information- that went on for a year before I was able to get the ombudsman to intervene. This time around though, I do not feel the ombudsman is working to help me, the consumer, at all. This is a cat and mouse game to see if they can wear you down. I would rather have a DIL than a foreclosure.
Product: Checking or savings account

I had a personal checking account with " PNC bank NA '' ( web site http XXXX XXXX  ) for 14 years. It has always been in good standing. On XX/XX/XXXX I noticed suddenly I was not able XXXX  access my account on line. ( It has always been working for me without issue ). I immediately went XXXX  the local branch XXXX  find out what was going on. The representative at the branch was helpful but she does not know what's going on either other that the current status of the account is " closed ''. Later she found out from the note a cashier check is being mailed XXXX  me. I was in shock. 

How come in a sudden my account is closed?! It was in good standing with a balance! 

I called the back office with the reference number she gave me XXXX  the back office rep. told me my account was closed XXXX  " PNC does not want XXXX  share the reason with me " XXXX  that was final. 

On top of the huge disruption XXXX  my business, I also feel being violented. My human right is violented by the PNC bank. 

I am looking for my human right protection from CFPB. XXXX  proper compensation for my loss from the PNC bank.