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

I started shopping for mortgage rates on XX/XX/2023. 

On XX/XX/2023, I applied for pre-approval, resulting in a hard inquiry. This inquiry is listed as : XXXX XXXX XXXX via XXXX XXXX  XX/XX/2023 Then, on XX/XX/2023, I applied for a second pre-approval, shopping for better rates. This resulted in a second hard inquiry, listed as : XXXX XXXXXXXX XXXX via CREDCO XX/XX/2023 According to the FCRA, multiple hard inquiries for the purposes of mortgage lending/pre-approvals within a 14-day window are only counted as a single hard inquiry on my credit report. However, this is not the case currently. 

CREDCO/XXXX have the inquiry coded incorrectly, as several others have discovered themselves. Now that I am going through the lending process again, these multiple hard inquiries have had a negative effect on my credit score. 

This should be resolved immediately.
Product: Debt collection

I requested that this company verify the debt and they did n't send me any valid documents to support this debt. I also asked them to prove that they 're licensed to collect debt in NJ and they are not legally able to collect debt in this state.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below. 
XXXX Accounts : XXXX. XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1300.00} Fraudulent Inquiries : XXXX. XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I previously contacted Navy Federal informing them that they are clearly in violation of my consumer rights. I've also put them on notice that Federal law supersedes Company policy. NFCU is reporting inaccurate and incorrect information on my consumer report and is causing a great deal of hardship for my personal and family household. I've attached my letter with the violations and remedy that I seek.
Product: Bank account or service

On XXXX/XXXX/16 I deposited XXXX $ XXXX funds into my Suntrust checking account XXXX. On XXXX/XXXX/16 the bank withdrew XXXX $ for the exchange rate and continued to hold the entire {$5000.00}, overdrawing my account by XXXX $ and insulting me with an overdraft fee, in addition to leaving me no liquid assets to live on. By contacting the chairman of the bank on XXXX/XXXX/16 the error was finally repaired. However, now the bank has debited my XXXX account the XXXX $ on XXXX/XXXX/16 and has not credited my XXXX account the XXXX XXXX The only information they offer is that the funds will be available on XXXX/XXXX/16, six weeks from the initial deposit, leaving me no funds in either account.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX XXXX XXXXXXXX and XXXX XXXXXXXX
Product: Debt collection

Berks collection has an entry on my credit reports that i am ot aware of. They are refusing to provide proof that i owe them this money.
Product: Debt collection

I received a text message today JXXXX XXXX XXXX from " H & R Accounts INC '' stating they are a debt collector and that I owe {$880.00} to XXXX XXXX XXXX XXXX. 

When I checked on XXXX ( the app that XXXX  uses ) it showed I have a {$0.00} balance and do not owe anything. I believe this " debt collector '' to actually be a scammer.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX Us Bank XXXX XXXX XXXX XXXX OH XXXX RE : Adverse Action Dear Us bank I the consumer and natural person. was denied credit by Us bank when I applied for a {$25000.00} personal loan and this is the XXXX time Ive been discriminated against Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are criminally liable for violating 15 U.S.C 1691 as I have proof that i was discriminated against by US bank due to the response I received. US bank is in violation of 15 U.S. Code 1642. U.S.C 168lm and 12 cfr 1002 because I, the consumer. made an application in good faith, but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of companies name if US bank fails to make any reasonable procedures ( claims ) to resolve this matter and compensate me for the use of my credit card I will be making US bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for all the violations ( ( {$10000.00} ) per violation ). Thank you, XXXX, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

An account was created in my name on XXXX, afterwhich merchandise was purchased using the easypay method. I did not do this. However after the bill was not paid an invoice for {$15.00} was sent to my father 's house. ( I currently live abroad ) The 1st letter I received was on XXXX letterhead however there was no account number. I assumed the letter was a scam and did not take action. Later, another letter was sent to my house, this time from GC services, a collection agency. As I no longer live in the country, I was very surprised to find out a XXXX account was made in my name. In total I received two letters from XXXX. XXXX had no account information and the other did not include a date. This to me seemed very unprofessional and I thought it was a scam. What kind of a company sends an invoice without an account number?
Product: Credit reporting or other personal consumer reports

" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the XXXX XXXX XXXX  and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, XXXX XXXX XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I was not notified 5 days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent. It has been over 60 days since XXXX has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 168XXXX ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXXXXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX XXXX XXXX  Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX  Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.
Product: Money transfer, virtual currency, or money service

To whom it may concern, PayPal ID : XXXX My name is XXXX XXXX XXXX XXXX and Im a PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email today. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. 

I primarily use my PayPal for savings so I can earn a 4.15 % APY. In addition everything I do on PayPal is completely legitimate. 

Here are several examples of recent transactions : XX/XX/2023 : XXXX $ received from XXXX XXXX XX/XX/2023 : XXXX $ received from XXXX XXXX XX/XX/2023 : XXXX $ received from XXXX XXXX None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on r/PayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. I plan to file complaints if my account is not restored within the expected 72-hour window.

Please forward this on to the correct internal department that handles PayPal accounts. I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. 

Sincerely, XXXX XXXX XXXX XXXX ( CONFIDENTIAL )
Product: Checking or savings account

XX/XX/2024 My account was restricted and my card blocked I called and had been put on hold and the call dropped I called the fraud department and my card was verified and still not unlocked XX/XX/2024 I called again and was told someone who speaks XXXX  tried to access my account I was told someone tried to access my online account I was told to come into the bank but I am unable to and it would be next week They said I can't get access to my money until I make the time I told them to close my account and they would not do that.
Product: Mortgage

On XXXX XX/XX/2023, I wrote to my mortgage servicer ( RLMS ) the following on their website ( https : //myrushmoreloan.com ) : Why does this site make no mention of an XX/XX/XXXX letter reassigning my loan to a different servicer in XXXX? Is the letter a fraud? Should I contact the FBI? Would it be 18 US Code 1343 or 371 or 63? Should I start a new CFPB complaint? https : //www.consumerfinance.gov/complaint/ On XXXX XX/XX/2023, RLMS responded on the above website message center : " Thank you for bringing this matter to our attention, we sincerely apologize for any inconvenience this may have caused. Please not [ sic ] the loan servicing transfers are a normal part of the servicing industry, this is not fraud and the terms of the loan are not impacted. '' I wrote on XXXX XX/XX/2023 in the same online message center : This response is too vague to answer my concerns.

Specifically : 1. Did RLMS send me a NOTICE OF ASSIGNMENT on XXXX XX/XX/2023, and Is my new loan number : XXXX? 
2. Is my new website : www.rushmoreservicing.com/welcome? 
3. Do I need to re-register for auto-payment withdrawals at : www.rushmoreservicing.com/welcome?

4. Is my new servicer address : Rushmore Servicing Attention Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX? 

cc : Consumer Finance Protection Bureau XXXX XXXX, Attorney General of California https : //oag.ca.gov/contact/consumer-complaint-against-business-or-company On XXXX XX/XX/2023, I received an email from RLMS : " Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Your Message Center response is now available.Login to your account on MyRushmoreLoan.com to view your reply. '' When I attempted today to login in order to read the RLMS response, their website crashed : " We are currently experiencing technical issues at this time. Please try again later. We apologize for the inconvenience. '' At this point ( A ) I do not know where to forward my mortgage payments, ( B ) I do not know what the new servicer website is, and ( C ) I do not know if my auto-payment will transfer to the new servicer. 

I also know that my home is worth far more than the remaining balance, and RLMS would benefit greatly by creating confusion, blaming the confusion on me, and then moving to foreclose on my home based on the confusion that RLMS cynically caused itself.
Product: Debt collection

XXXX  XXXX is now closed and they closed my credit card account since XX/XX/year>. Debt collectors have been calling my phone since then. Since XX/XX/year> I have been receiving a phone call from them at least once every 2 weeks. I told them that I won't be able to do anything with my account until XXXX and still continue to call from different numbers asking the same thing. Today, XX/XX/year> I was asked, what did I do with my money? I told them that was too personal for them to be asking me that. So I hung up my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 12 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit bureaus ( XXXX and Experian ) are reporting inaccurate information on the account listed below. I need this account deleted immediately. 

XXXX XXXXXXXX XXXX is reporting inaccurate information. I do not know what this particular debt is about with the following amount of {$110.00} which is being reported on my credit report. I did not get any documents about this debt. I was not given an opportunity to resolve this debt before it was put on my credit report. I did not go to the doctor in XX/XX/2020 as it is reported on my credit score. How am I suppose to pay a debt that I have completely no knowledge about. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit Score. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.
Product: Mortgage

BoA, after collecting {$680.00} for a credit check and appraisal, was unable to get underwriting approval for my refinance because my home is subject to a leasehold, aka ground rent. In XXXX, ground rent is public knowledge and is available online via a simple address lookup from the Land Records Office ( XXXX ) and Dept. of Assessments and Taxation ( XXXX ). Furthermore, I chose a loan officer in XXXX to avoid issues like this - ground rent is common in a few states that I know of : XXXX, XXXX, and XXXX. If BoA knows it can not close a loan on a property subject to a ground rent, then it should not accept money or string customers along. In this case, I applied XX/XX/XXXX and on that date, paid for the appraisal ( {$670.00} ) and credit report ( {$15.00} ) and was denied at the end of XX/XX/XXXX! XXXX help me if this cash out refinance was to help with medial bills or school and not home improvements - I would be XXXX feet deep or a drop out because of the negligence and possible fraud committed by BoA. I have contacted BoA regarding a refund for the appraisal and credit report several times via my contacts on this loan ( Retail Sales Manager, XXXX XXXX ; Mortgage Loan Coordinator, XXXX XXXX ; and Home Services Specialist XXXX, XXXX XXXX ). I have n't even begun to calculate damages for stringing me along for XXXX months. 

I was extremely disheartened yesterday when I learned that a fellow XXXX resident had the same thing happen to him. I have encouraged him to file a complaint as well. The bottom line is that BoA is unfit to do mortgages in XXXX. Plain and simple, no questions asked. We have XXXX cases of extreme negligence bordering on fraud. Cut BoA off from these deceitful practices in my state!!! 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency has not only cost me funds and access to Zelle within my bank account, but also raised serious concerns about consumer safety.
Product: Debt collection

Viking alleges that they are trying to collect a debt for a car accident. I have never been in an accident in a XXXX car, been informed that a car was returned damaged, or received notice of an issue from XXXX.
Product: Mortgage

Quicken Loans continues to call, email and text me incessantly all hours and days of the week to my personal cell phone as well as work to the extent that I have had to block their numbers however they contact me from different phone numbers. I have continuously informed them I am not interested in refinancing at this time. In an attempt to get them to stop contacting me, I spoke to a representative who pressured me into pulling my credit report which I was not comfortable with only to be told it might not be in my best interest to refinance at this time as I already had a great rate. I feel like they are soliciting and harassing me for their own personal gain and incentive. After this I requested to stop being contact and continue to do so. I am upset my credit was pulled without my genuine agreement and I want this harassment to stop.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported by your agency on my consumer reports. Accounts ( XXXX XXXX ) ( XXXX bank XXXX XXXX ) ( XXXX bank XXXX ) XXXX has come to my attention that you have violated my consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX. 

According to XXXX XXXX XXXX ( XXXX ) ( a ), consumer reports shall not contain information solely pertaining to transactions or experiences between the consumer and the entity making the report. However, the information being reported by your agency does not accurately accurately report an instead is violating my consumer rights by reporting my transactions or experiences which XXXX XXXX XXXX ( XXXX ) ( a ) says is not a part of consumer report. 

Furthermore, under XXXX XXXX XXXX, creditors are prohibited from treating a payment on a credit card account as late for any purpose.It has come to my attention that late payments have been inaccurately reported on my accounts, which is a direct violation of this provision. 

Additionally, I have not provided any consent or signed any disclosure forms allowing the sharing of my information as required by XXXX XXXX XXXX. Nor have I given any permissible purpose for the sharing of my information as stated by XXXX XXXX XXXX. 

Therefore, I am formally requesting that all late payments be immediately removed from my account. I expect prompt action to rectify this matter and ensure that my consumer rights are upheld in accordance with the FCRA. 

Please provide written confirmation once the inaccurate information has been corrected and removed from my consumer reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

URGENT ATTENTION CFPB BEFORE U SEND TO BUREAUS PLEASE READ! THESE ACCOUNTS WAS CHARGE OFF ON THE FOLLOWING DATE : XX/XX/2018. SINCE THEN THE ACCOUNTS HAS REPEATEDLY BEEN UPDATED AS CHARGE OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGE OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THESE ACCOUNTS PROPERLY AFTER I ASKED YOU TO DO IT TWICE AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNTS : XXXX AND XXXX  XXXX I ATTACHED MY ID SS CARDS AND VERIFICATION OF ADDRESS