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

Tuesday evening, my husband and I submitted ONE construction loan application with only our bank because we trust our bank with our assets and information. Wednesday morning, a disturbing amount of calls and text messages to my cell began. By Thursday afternoon, I received over 100 calls from lenders. Some, like XXXX XXXX, stated that they were given our social security numbers and credit scores from the credit bureaus. Some mentioned TransUnion specifically. One mentioned XXXX XXXX XXXX the company that ran our credit for the bank ). Selling our private information to hundreds of companies should be a violation of our privacy and safety. When our bank ran our credit, we trusted that our information would be safe. We had no idea the credit bureaus would sell our information. 

I wasted the last three days answering calls, signing up for accounts to freeze our credit and add fraud alerts, signing up for opt-out prescreen and the do not call registry, and researching what to do and how this could even happen. It is our choice who we apply with and not a credit bureau 's. Consumers should have to opt-in for trigger leads and sign up for accounts for their information to be shared and not the other way around! We werent interested in working with other lenders or having the credit bureau send even one of the more than 100 lenders to my cell phone. 

Everyone I communicated with at TransUnion claims TransUnion never shares phone numbers, credit scores or socials. That is a lie. All of the lenders obtained our phone numbers through TransUnion, XXXX and XXXX from their trigger lead, prescreened and pre-approved programs. They also shared our information with scam callers. Before Wednesday, my cell rarely received phone calls. Now, I cant get work done because of the calls and stress. When I ignore the calls, they just keep calling back. Im forced to answer to plead with the lenders to stop calling. Our financial security is at risk thanks to the credit bureaus. Their trusted partners now have all of the identifying information needed to access our money and create accounts in our names. 

I attached some of my call log from Wednesday to Thursday afternoon. No one should have to go through this and be punished for working hard to maintain good credit. Its shameful to pretend the trigger lead and prescreened practices are to benefit consumers. It's all about money and not caring who the credit bureaus harm.
Product: Mortgage

Chase bought my loan from another company and marketed a reduced 15 year loan. We worked with Chase for three months and were sent a letter turning down our loan for " excessive obligations in relation to eligible income as well as degrading my XXXX credit score. 
First, the refi was for {$320000.00} on a home with a market value of $ XXXX. Our net worth is in excess of $ XXXX, last three years annual AGI in excess of $ XXXX, and total debt of less than $ XXXX, XXXX % mortgage debt. On their statement of Credit Denial They reported credit delingencies, not true, balances are too high on your balance revolving accounts - maybe, but all paid each month, too many delinquent accounts - none, an out right lie, too many high current balances on revolving accounts, not true, a lie, none exist. 
We do not have excessive obligations by any measure - also a lie. 
These people and organization need to restate their denial. This is dangerous for many others and we are very disappointed not in the denial, but with the lies or worst, incompetitence in reviewing loans for home buyers.
Product: Prepaid card

XXXX transactions from XXXX on XXXX duplicated on XXXX. Showing twice each, once as pending as a hold, and once as cleared. This is causing my account to be in the negative. Widespread issue according to the XXXX page. Customer service phone lines are down for the second day.
Product: Mortgage

In XX/XX/XXXX I lost my job and went through a loan modification with JP Chase. During that period my payments were lowered to make affordable. From XX/XX/XXXX = XX/XX/XXXX, I only worked XXXX position until I became permanent at XXXX XXXX in XX/XX/XXXX. At that time, I contacted Chase to see what I needed to do to get back on track. I was put on another modification, b which started in XX/XX/XXXX, whereas I paid an addition {$340.00} on top of my {$860.00} mortgage payment totaling {$1200.00}. 

Since becoming gainfully employed, I have made every payment on time. About 4 weeks ago, I tried to refinance with another company in order to get cash back for home improvements. At that time, I discovered I had a {$43000.00} ) subordinate mortgage. 

Over the past week, XXXX XXXX XXXX and myself I have attempting to get clarity from Chase and have gotten nowhere. I have been placed on hold, transferred several times, hung up on, been back and forth with different representatives for over one hour and still they can not explain to me what they did. In fact, they have asked me what they did, my reply, is, Im not quite sure, you did the transaction, so Im hoping you can explain it to me. 
Below is a table of balances : Principal Unpaid Principal XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX As you can see, something is not adding up. 

Any assistance would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

In regards to account reporting as : XXXX XXXX XXXX or XXXX ( account # XXXX )
Product: Payday loan, title loan, or personal loan

Received flyer in the mail about this company and applied! I was approved quickly for XXXX and needed to make repairs to my lawn tractor so I thought it was great. The company did send XXXX. Immediately after XXXX was taken from my account. The document where completely falsely made because after the signing because now the documents say that the pay back is XXXX for the XXXX. I have emailed the address on websites well as tried to call and have gotten no response. This is the most ridiculous thing I have experienced in my life. They have all of my personal information so I need to close my bank account
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a maintained by you which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have used a Citi credit card for years without problems, paying it automatically in full monthly with my only checking account from XXXX ( credit union ). While logged to my credit card account last summer, I was offered to open a Citi accelerated savings account, which I accepted. I sent money to Citi several times from my checking account in XXXX. Unknown to me, the debit card for this new account was delayed several months. In XXXX one or two Citi cards got to my house, which I share with my son who has the same first and last name, but different middle initial and SSN. My son, who also has a Citi credit card, opened both and called Citi to tell them they were not his. Citi did not attempt to contact me at my phone and email address I reported when I opened the account. Citi listened to a person, my son, whose XXXX does not match the account in question, but blocked my savings account and withdrew the funds, more than {$84000.00}, on XX/XX/XXXX. I learnt this when I got the monthly statement in XXXX. I have called about XXXX times spending about XXXX hours trying to get explanations and have it fixed without success. I have been told the money was returned in XXXX to my checking account, UNTRUE. I was then told it was returned to the checking account on XX/XX/XXXX, UNTRUE. I was told to call different departments in Citi and all of them send me to a different one. I was told to go to the Citi local branch, which does not exist in my entire state. Finally, Citi closed the account and told me they are withholding the money until my XXXX bank sends them legal documents ( a Hold Harmless form ), which XXXX does not want to send because they normally do not do that. So, Citi is preventing me to access my funds despite me having submitted to Citi copies of my passport, utility bill and original from XXXX ( verification of account ownership ). I am now retired and will soon run out of money in XXXX. I do not get SS yet and Citi keeps saying lies and using delay techniques to avoid returning my money to me. 
Citi, without checking XXXX 's, talked about my account to somebody ( my son ) who said this account was not his, instead of taking to the owner, me. With faulty information Citi closed my account as a result. As of now they have not returned my money to me and since my Citi account is now closed, I am not sure I am earning money there. 

Please help to have Citi fix this problem which was created by its employees acting foolishly while listening to somebody who was not the owner of the account Citi promised to keep for me and me only. Even worst is the set of lies and delays Citi is using to avoid returning my money. I simply do not trust Citi anymore. It is a shame how they take advantage of people who are not millionaires. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau still have not deleted these fraudulant accounts from my file I have filed a affidavit for identity theft sent it in.. why are they so crooked. this is not about making money from the consumers its about helping the consumer coming back from a identity theft. all kinds of FCRA laws have been broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current.

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed the companies Wells Fargo and XXXX XXXX. To get the info on my credit report corrected and they just mailed me back saying that the information is correct and the info is still showing inaccuracy 's throughout my reports.

Well Fargo didnt validate the debt they just sent a application which doesnt apply to 15 U.S. Code 1692g.
Product: Debt collection

The last time, I have responded to this debt collector was on XX/XX/2018 n response to their letter on XX/XX/2018. 
I have responded to this debt collector asking them to show proof of the original debt in the amount of {$380.00} and the second one {$890.00} for services rendered by XXXX XXXX XXXX of XXXX and that it belongs to me. They have not done so, yet they keep reporting it to the credit bureaus. It's been affecting my credit score and my overall credit health. I have asked them multiple times, kindly, in writing to supply proof, but they have not.

I have no knowledge of this medical bill and would gladly pay it if I was fully aware of its original existence. The next step will be to file a complaint with the Pennsylvania Attorney General 's office to make them aware of the unfair business practices of this company, followed by filing civil charges against Ability Recovery for violating my credit history without solid proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$81.00}
Product: Credit card

Fraudulent charges/ syncbXXXX, syncb-chevron visa, syncb-bp, XXXX, Walmart
Product: Credit reporting, credit repair services, or other personal consumer reports

sent disputing letters about getting old items that keep reappearing on my credit report. since then the credit bureaus have not responded back to me in 30 days. Today i sent my non response letter to the credit bureaus hopefully they respond back sooner and removed these items. i sent letters to Experian on Tuesday XX/XX/2019. XXXX Tuesday XX/XX/2019 and XXXX XXXX Wednesday XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I reviewed my credit report and have discovered inaccurate personal information that must be immediately investigated. Theses addresses and misspelling of my name shows several items inaccuracies and do not show my true credit history and these items should not be on my report. Pursuant to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be verified and removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. I am also disputing the misspelling and incorrect spelling of my name, addresses, and telephone number. I am requesting that they be updated and remove that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX/COMENITY/XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please Delete Name that does not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PLEASE DELETE SOCIAL SECURITY NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to file a formal complaint against XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GBLA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX .

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Product: Mortgage

I XXXX XXXX choose not to contract with XXXX XXXX XXXX ( XXXX )./ XXXX XXXX XXXX XXXX Attorney for Plaintiff. 
U.S. Bank XXXX XXXX XXXX XXXX has committed FRAUD, i did not consent to paying extra monthly payments to cover pass do H.O.A fees. My monthly payments has increased starting XXXX XXXX by {$400.00}. I do not have a contract with ( XXXX ). 
XXXX XXXX XXXX, XXXX a Corporation meaning fiction. 
No man or woman can not owe money to a fictitious entity according to XXXX known as XXXX XXXX XXXX ... ...... I XXXX XXXX have the right to Self-determination and Human Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is erroneously reporting my account held by XXXX XXXX XXXX XXXX  XXXX Current report has my XXXX account listed under Closed Accounts as well as Adverse accounts. It also shows the account as two months late payments. This is adversely impacting my credit score by over XXXX points. XXXX XXXX sent Experian a letter stating account should be stated as CURRENT and should be reporting as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES ( see attached letter from XXXX XXXX sent to myself and Experian on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Capital One is claiming they no longer have a audio tape of when I cancel the card and took my ex off as an authorized using. So they say there is no proof. They had this audio in XXXX of XXXX, now they conveniently don't anymore. They never cancelled the card and continue to let my ex make charges on the card from XXXX to XXXX. In XXXX, when I called again. They cancelled the card, but allowed my ex to reopen the card with my credentials ( identify theft ). They have acknowledged that. I am at my wit 's end. I do not owe this money as the credit card company allowed this to happen.
Product: Credit card or prepaid card

Good morning, I have a complaint against Capital One credit card department. In XX/XX/2023 I was issued a business credit card by Capital One, but I was never given online access to my account to be able to see my balance, purchases, add an accountantetc. I have contacted their customer service department over 7+ times, went through the same steps to fix this technical issue online then told to wait for 5-7 business days for them to resolve this issue but in the end, nothing happens, and I must call again, thus wasting countless hours with them on the phone to no avail. As a result of this, I will probably end up losing the introductory offer on my credit card for not using it. This is a decision I made because Im unable to view my transactions if I used the card or know my balance.

I was never given a case number, and no one from capital one ever bothered to follow up on this issue. Ive been a customer with them for a few years now and Im appalled by the degree of negligence they have shown towards me. All Im asking for is online access to my account to be able to run my business