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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. 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. '' ( Furnisher of information to credit agencies ) is 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. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies 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 XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is 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. '' ( Furnisher of information to credit agencies ) 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. XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a money order from Chase bank for {$560.00} to make a child support payment. When I asked the teller for a money order, she asked me to insert my bank card into the reader and enter my pin. At that point she could see my account and had it open. I paid for the money order with a debit charge of {$5.00} and the {$560.00} was debited from my account that day, I am not wealthy, so I keep a close eye on my finances, also I am running a small business from the same account, so I keep an account of every penny spent. 
As luck would have it, I misplaced the money order, filled out to the child support agency and in a stamped envelope. I immediately called chase to report it, they directed me to the branch where I purchased the note and get a new one. 
On XX/XX/XXXX I went into the branch in XXXX AZ, where I bought the money order and approached the same teller at the same window. I told her my story, she looked up the money order and said it was " processing '', looked concerned for a moment and then said she could not find any money order bought by me on XX/XX/XXXX. She said she saw the previous month, but not XX/XX/XXXX. I did not have the receipt with me at the time. I called and emailed XXXX XXXX the branch manager, She told me that the money order did not exist. I looked in my account and it was GONE! 
Later, I found the receipt. The story changed from XXXX XXXX after I showed her the receipt and a photocopy of the actual money order. 
Later, some good Samaritan found the stamped envelope and mailed it. My child support arrived and was cashed. Imagine that, a money order that doesn't exist being cashed ... 
Chase bank then proceeded to tell me that the money had been originally debited from someone else 's account and that they were going to recover the funds from my account, and that the XX/XX/XXXX money order that magically vanished was now found, but I had never paid for it. and sure enough, they did. 
So to recap, I bought money order on XX/XX/XXXX. I saw the money taken from my account. I lost it on XX/XX/XXXX. I made it to the XXXX branch on XX/XX/XXXX with no receipt. They told me the money order never existed, and my personal records don't match the bank 's suddenly. Then I emailed XXXX XXXX my receipt. XX/XX/XXXX the bank has a new story. I have records of everything and point out the holes in her story. now, XX/XX/XXXX XXXX XXXX will not return my calls or emails. I have repeatedly asked her to write me an email with a detailed explanation of what happened or some evidence of her claim. She refuses and will not communicate.
Product: Mortgage

Mr Cooper has not been applying the principal correctly to my loan for years and my loan balance jumped form {$6700.00} past due to $ XXXX past due in 2 months and they will not provide me with an explanation as to how $ XXXX was added to my loan. Based on the escrow statement, it appears they applied a bunch of my payments to escrow, {$4500.00} worth and this could explain some of why my loan balance jumped so high. The claim filed at bankruptcy beginning was XXXX and despite receiving years of payments my loan balance doubled. Where has the money gone? They are trying to foreclose and will not work with me on a modification. They denied my modification. I requested assistance to pay the current payment plus extra towards the past due amount and they will not work with me but I wanted the loan balance correct and the $ XXXX increase to my payment due explained before paying the balance. I want to keep my home and will be homeless if I lost it. All the documents are attached.
Product: Credit reporting or other personal consumer reports

I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

I don't understand that you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent to share my personal information with these creditors. This is a violation of the HIPPA law as well as my privacy there were no proof of method of verification and there were no proof of how the debt was validated.
Product: Debt collection

On XX/XX/XXXX I wrote Assetcare plc certified mail about validating a debt they claim I owe and never responded within the 30 day period. The amount they claim I owe is {$840.00}. The account number is XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX Account XXXX Total fraudulent amount : {$1200.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX Account XXXX : XXXX Total fraudulent amount : {$1400.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX INT Account Number : XXXX Total fraudulent amount : {$4900.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX Account XXXX : XXXX Total fraudulent amount : {$3100.00} Date fraud began : XX/XX/XXXX, XXXX XXXX Account Number : XXXX Total fraudulent amount : {$930.00} Date fraud began : XX/XX/XXXX. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - Line of XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank I have reviewed my credit report, and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquires on my Equifax Credit report that are fraudulent, I have tried to dispute these inquires with the credit reporting agency, however I was unable to get a resolution from them. I am writing to dispute these three inquires on my credit report listed below that are fraudulent. 


XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Requestor : XXXX XXXX  XXXXXXXX XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX Address : FXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Requestor : XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

A woman called my work number and asked for my name. A person asked why. She wouldn't answer. She said do not call this number again ( co worker not me ). She called again and I told her to not call, she laughed, and she also gave out personal information without really knowing if it was me, given, its not my personal number. They are harassing me and I asked them to stop and they shared private information illegally. 
Company : Contract Callers Inc Phone number on caller ID XXXX
Product: Credit card

I got denied credit for chase freedom credit card, because they said i had too many accounts open or too many loans and thats inaccurate, somebody must be using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I Noticed Unauthorized Inquiries On My Credit Report. 

Navy FCU XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting
agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Money transfer, virtual currency, or money service

I invest in an on-line brokerage platform called Robinhood out of XXXX XXXX, CA. They have locked my account and despite several emails, they just ignore me. I see i am losing money daily because stocks are declining but have no ability to move them since o have no access. I tried calling but they sent me to their website and just hung up. I then filed a XXXX  complaint but XXXX basically said not to expect anything because of the XXXX complaints this year they have only responded to XXXX and now ignore them all. XXXX pulled their accreditation and slapped them with an XXXX  rating. I am powerless and hope this important agency can help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance {$330.00}
Product: Vehicle loan or lease

I received the email below from Capital One. Not only is it deceitful in making it sound like there is a requirement that they report to credit bureaus, but they are threatening to report auto loans as delinquent if not paid within 30 days of the due date. Colorado has just extended the stay at home order and XXXX people filed for unemployment in two days. We are at the mercy of a system that is so overloaded right now that many of us don't know how we are going to buy food in 2 weeks. I'm not sure why Capital One feels the need to threaten collection reporting right now and I believe it violates portions of the CARES Act. ( As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. ) I was doing OK with this crisis until I received this email. My choices right now are to continue to comply with an Executive Order to stay  home and have my credit destroyed by Capital one or defy the order and go back to work so they can have their money. Please help! 

Email from Capital One : Credit Bureau Reporting Capital One is required to report a customers monthly account status fairly and accurately to the credit bureaus. We understand that some of you may need additional time to make your payment during this difficult situation. As a result of the COVID19 situation, your payments wont be reported as derogatory to the credit bureaus until theyre 30 or more days past due. If youre able to make your payment before it is 30 or more days past due, you wont be reported as derogatory to the credit bureaus.
Product: Credit card

I looked at my recent transactions on my Citibank credit card app on XX/XX/XXXX and I was surprised to see a new {$170.00} fee for authorized users and an increased annual fee of {$590.00} ( formerly {$450.00} ). 

I never received an email or letter explaining these upcoming fee changes like I'd expect from other companies providing financial services. 

I wrote to Citibank on XX/XX/XXXX : Dear Citibank, I am writing to express my extreme dissatisfaction with the recent, undisclosed fee increases for authorized users and the annual fee on my account. I was neither informed about the {$170.00} authorized user fee increase nor the annual fee increase of {$140.00} before these changes were implemented. 

The lack of transparency surrounding these fee increases raises serious concerns regarding potential violations of the Unfair and Deceptive Acts or Practices ( UDAP ) regulations. Consumers have the right to clear and conspicuous disclosure of fees and terms associated with financial products. 

I demand an immediate reversal of these charges and a full explanation of the reasons behind these fee increases. Failure to rectify this situation promptly may result in further action, including reporting this matter to appropriate regulatory authorities. 

Sincerely, [ MY NAME ] A Citibank representative responded on XX/XX/XXXX : " ... Our records indicate when your XX/XX/XXXX statement generated, we notified you of the important changes to your account terms, which were located on page XXXX of your statement. This information advises that as of XX/XX/XXXX, the XXXX XXXX Fee for the XXXX  cardmember will be {$590.00} and the authorized user fee will be {$170.00} for up to three authorized users. However, you will not be billed until your next cardmember anniversary. 

When your XX/XX/XXXX, statement generated there was a reminder of the XXXX XXXX fee of {$590.00} and {$170.00} authorized user fee for up to three authorized users that will appear on your next billing statement. This information can be found in the Account Messages portion of your statement on page XXXX ... '' I then let them know that I do not find a notice hidden on the XXXX or XXXX page of a statement to be " clear and conspicuous '', and that I would proceed with filing a complaint with the CFPB. 

I don't believe that Citibank is breaking a law or regulation, but I think financial service providers should be held to a higher standard by the CFPB by clearly alerting their customers to significant changes in fees. Many consumers rely on apps and online transaction logs, rather than scanning their statements for any upcoming changes to credit card terms. I do not believe it is fair to " hide '' this important information within a monthly statement.
Product: Student loan

My XXXX institution, XXXX XXXX, is the loan servicer for my federal Perkins student loan and they contract with Heartland Educational Computer Systems , Inc. ( Heartland ECSI ) for the billing and electronic processing of loan payments. Last year, I applied for and was granted forbearance for this loan, which soon coincided with the coronavirus pandemic and the Secretary of Education directing the office of Federal Student Aid to suspend loan payments and stop collections on defaulted loans in XX/XX/2020. Since this relief was extended to the end of XXXX, I assumed that I would not have to make payments on my Perkins loan until then. That has been the case for my Stafford loan, which is managed by a different loan servicer and is not collecting payments unless I choose to. 

However, in XX/XX/2020, Heartland ECSI ignored the directive from the Secretary of Education and sent me a billing statement once my forbearance expired. Nowhere in this statement did it mention COVID-19 relief or any messaging consistent with the Department of Education. It was as if the pandemic wasn't happening at all. 

I made a good faith assumption that this was an error from an automated system, so I ignored the billing statement and waited for a notice from Heartland ECSI explaining their mistake. Instead, the billing statements kept coming for XXXX, XXXX, and now XXXX. Heartland ECSI is now sending threatening past due notices, saying, " It's important to act now. If you don't pay the overdue amount on your Federal Perkins Loan or contact us within 15 days of this letter, we'll proceed in collecting the full amount of your loan plus late fees, interest, collection costs, and attorney fees. '' Once again, this notice did not mention COVID-19 relief and is in direct violation of the directive to suspend loan payments and stop collections. Based on the billing statements, they are also charging 5 % interest instead of the 0 % interest rate that the Department of Education had mandated for the rest of this year.
Product: Checking or savings account

I did a mobile deposit for my XXXX  stimulus check and received my debit card and activated it, as soon as I activated it they put a hold on it and say they can't release it because my phone number, which is on my account, isn't found with my name when they use some 3rd party search thing.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX FLORIDA XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX FLAGSHIP CREDIT ACCEPT XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX HELP F XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX REGIONALAC. XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OD XXXX. XX/XX/XXXX EQUITYAUTO. XXXX CAP XXXX XX/XX/XXXX ALLYFINANC. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX AN # XXXX. XXXX FLAGSHIPCR. XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XXXX XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRIANGLEAU. XX/XX/XXXX TRIANGLEAU XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate dates, amounts, and payment history to my report and are violating my Fair credit consumer rights
Product: Credit reporting or other personal consumer reports

No permission was given for these inquiries they have to be removed promptly. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Its wrong and needs to be removed because no permission was given. I need action taken to delete the reported issue. XXXXXXXX XXXX XXXX XXXX : Delete asap as no correct permission was granted. Investigate, purge the inquiry in questioned. I understand that I have the right, as a consumer, to dispute the accuracy of the information in my credit report, as provided by the Fair Credit Reporting Act. 
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