23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

Consumer : XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX-MI XXXX Loan Servicer : Ditech Financial LLC Loan # XXXX Complaint : Fraudulent/Illegal Default Notice on Loan & trying to initiate Foreclosure I am a XXXX   father with XXXX children, Ditech is  trying to push my loan into foreclosure without any legal basis & push me out of my home! right at XXXX time! 

On XX/XX/18 I received a default notice from Ditech Financial LLC on loan # XXXX on behalf of XXXX XXXX XXXX XXXX, stating that my loan was in DEFAULT due to 3 missed payments for XXXX, XXXX & XXXX. 

I have not missed any payments & I have the USPS " Certified Return Receipts '' signed & accepted by Ditech for the 3 months. I also have the USPS Money Order Stubs in the amount of the payments to prove that Ditech received & signed for the payments. 
I have attached the copy of Ditech letter, payment stubs & Certified signed return receipts showing that Ditech received & signed for my payments for XXXX, XXXX & XX/XX/2018. 

Ditech has in the past done exactly the same type of fraudulent attempt to push my loan into foreclosure. This is pure harassment & predatory servicing practices that I have faced from Ditech in the past as well.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information. 

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and Experian, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to XXXX, Experian, or the Furnisher of information to credit agencies is hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. XXXX and Experian are failing to uphold reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all three credit bureaus on three different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XXXX XXXX However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

XXXX- is reporting the collection account as a collection, open date XXXX last active date XXXX 

Transunion- Is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XXXXXXXX XXXX- Is reporting the collection account as open with a past due balance and balance, payment status Late 120 days, open date XX/XX/XXXX. Date last active XXXX 


Please delete all unverified collections immediately.
Product: Mortgage

Quicken Loans is horrendous! They waste your time, energy, patience and money! I have lost almost {$1000.00} that can not be recouped. They strung me along for FIVE weeks, when other mortgage companies knew in a few hours if I would qualify for a loan or not. I was passed between XXXX different people/departments during this ridiculous process, because " each person/dept. specializes in a different component ''. Trust me, none of them were that sharp to be wasting resources on XXXX people working on a very small loan! This company is A SCAM!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and a credit repair company too they have my address wrong. They have 2 addresses combined that XXXX wrote incorrectly and they did not fix it after I told them. Its not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Neither is my address anymore and I have submitted multiple requests to fix it. I am an identity theft victim as well
Product: Credit reporting or other personal consumer reports

I am lodging a complaint regarding incorrect reporting of a child support case on my credit report. According to the Connecticut Department of Social Services ( DSS ) and the child support court in Connecticut, there is no active case related to child support under my name, and the account in question is closed. Despite this, I have discovered that this closed case is being reported as an active child support case on my credit report. 

I have made multiple attempts to resolve this matter directly with the credit bureaus. I requested detailed information on the entity responsible for reporting this information, including the source and methodology used for the reporting. Unfortunately, I have received no feedback or clarification from any of the credit bureaus, which has only exacerbated the situation. 

As you are aware, under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), consumers have the right to dispute inaccurate or incomplete information in their credit report. Moreover, according to the XXXX XXXX Method, credit reporting should follow proper guidelines and only report accurate and verifiable information. Since the child support case is closed and there is no active case per the Connecticut Department of Social Services, I contend that the reporting of this closed case on my credit report is erroneous and violates both the Fair Credit Reporting Act and the XXXX XXXX standards.
Product: Mortgage

As a result of Covid19, on XX/XX/XXXX, we were offered Forbearance mortgage assistance by XXXX XXXX who was our mortgage holder at the time. We accepted the assistance as we are self employed and business completely stopped. At the time, we were told what are options were once the forbearance ended 1 ) An extension of our payment assistance period 2 ) Allowing missed payments to be deferred until the end of our mortgage term or payoff 3 ) Extending the loan term 4 ) Standard mortgage assistance options such as a repayment plan or a loan modification. We were also told they would stay in touch during and after the payment assistance period and would work with us to determine the best next step for our situation. On XX/XX/XXXX we were notified by XXXX XXXX  that the loan was sold to SPS XXXX Select Portfolio Servicing , inc. and assured us the payment assistance would be passed along to and honored by SPS. After the loan was sold, we were notified by SPS that the forbearance assistance would be extended. During that time we continued not making payments. On XX/XX/XXXX at XXXX PST, we called SPS and spoke with XXXX. We told her we were ready to resume our monthly mortgage payments. She told us not to make a payment until after the review process was completed in terms of repayment options. The review process was completely mismanaged and due to the conflicting information from SPS, we took it upon ourselves to resume payments, starting XX/XX/XXXX and are continuing monthly payments. On XX/XX/XXXX, we received a letter from SPS stating that the only options that were available to us in terms of repayment were 1 ) Payment in full 2 ) short sale or 3 ) foreclosure. We were told we could write a letter of appeal which we did in XX/XX/XXXX and were once again notified that all other options were declined other than the ones stated above. Now we are possibly facing foreclosure if full payment is not received by XX/XX/XXXX. We have also been working with a HUD representative to help guide us through this unfortunate and extremely stressful situation. We feel we were completed mislead by SPS and that they did not honor the guidelines that were originally set by XXXX. SPS said that because we were more than 12 months behind ( we are now at 14 ), we were no longer available for any other payment options. Had we not been told not to make a payment in XXXX we would not be in this situation. We were also told by SPS that financially it is not in the best interest of the lender to help us resolve the situation any further. We feel completely blindsided, mislead and set up to fail. We strongly believe that if we were still with XXXX, this never would have happened.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that three closed accounts are still being reported as negative, despite being outdated or having a XXXX balance. The accounts in question are : 1. Resurgerecve - XXXX| Balance : {$0.00} | Status : Negative 2. XXXX  XXXX - XXXX| Balance : {$0.00} | Status : Negative 3. XXXX - XXXX | Balance : {$0.00} | Status : Negative These accounts should no longer be negatively affecting my credit, as they are either incorrectly reported or should have been removed based on credit reporting guidelines. This inaccurate reporting is unfairly lowering my XXXX XXXX and impacting my financial standing. 

I am requesting a formal investigation into this matter and asking for these negative marks to be removed from my credit report. Please review the accuracy of these accounts and update my credit file accordingly. 

Thank you for your time and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XX/XX/XXXX  The payment was due XX/XX/XXXX. Our insurance company submitted the " payoff '' check to BMW Financial XX/XX/XXXX and it was cashed by them on XX/XX/XXXX, thus it was NOT 30 days late. I am submitting back up documentation showing the motorcycle was paid off prior to the 30 day late date. I even called them to make sure I was okay not making the XXXX payment and they said as long as they received the check by the XXXX day I would be fine not to make any additional payments. 
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
Product: Money transfer, virtual currency, or money service

I received payment for work I did in my PayPal account at the address, XXXX. They have placed a hold on the money for no reason. They have stolen my money. I have no access to my money. I demand the immediate ability to transfer my money as I see fit. They need to give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed withTransUnion a XXXX XXXX account XXXX reported as a charge off against my credit file. On XX/XX/2018, less than 24 hours later, TransUnion reported they did an investigation and the account was verified. 

Because I know the XXXX  XXXX account is reported in error and because any investigation into the legitimacy of a disputed account takes more than a few minutes to accomplish, on XX/XX/2018 I requested from TransUnion a Method of Verification pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to document how the XXXX XXXX account was " verified '' by providing the following within thirty days : What telephone number did you call? 
What is the name of the employee from your company who spoke directly to the above party? 
What is the job title of the employee of your company who spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party? 
If there has been written communications, please provide copies of all correspondence, copies of any and all conclusive documentation to prove that you have, in fact, conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency.

Provide the SPECIFIC date reporting that these items will cease. 

The Method of Verification request was sent via First Class Mail and facsimile to TransUnion on XX/XX/2018. ( a true and accurate copy is attached including facsimile confirmation receipt. ) Under the statue, TransUnion must respond to the request within 30 days. To date, TransUnion has failed to respond over a year later. 

After many phone calls and correspondence, TransUnion refuses to cooperate with request and continues to report the XXXX XXXX charge off against my credit file over one year later.
Product: Money transfer, virtual currency, or money service

This complaint is against PenFed Credit Union for failing to protect our money abroad. We used our ATM card to pull money out of a bank ATM in XXXX ( XXXX ) XXXX. XXXX is the XXXX bank. The ATM said the transfer went through but no money came out. We immediately went into the bank and they handed us a piece of paper that said not to worry the money will not be pulled from our bank if we did not receive the cash. We told them that we needed the transaction to be canceled so we could verify. We could see the {$400.00} was pulled out of our account by looking online. They locked us in the bank and told us they were not going to take any action to cancel. We called PenFed ( our bank ) in the US while we were locked in the bankand asked if we should call the local police or if our money would be safe. Penfed assured us that our money is protected and that we could leave the bank. They recorded that conversation. This happened on XX/XX/year>. It is now XX/XX/year> and we received a letter from PenFed stating that the {$400.00} credit they put in our bank will be canceled and that the transaction will go through as if we received the {$400.00}. Without providing any proof that we received the funds and without doing any type of investigation on their end. We had a local XXXX  speaking friend with us in the bank and XXXX XXXX assured him as well that our money was safe and would not be taken from our bank. All of this happened while they were continuing to allow other tourists to walk in and use the same atm. We started immediately diverting people away because the bank refused to do so. We have pictures of us in the bank and of the atm. XXXX XXXX ( at least that branch ) was clearly running a scam and our bank failed to protect us as well as led us astray in telling us it was safe to leave.

PenFed denied my dispute/claim without proper investigation, ignored clear evidence I provided, and failed to follow Regulation E. I would like to file a grievance.
Product: Credit card or prepaid card

Received the bill/coupon in the mail. I filled it out and returned for remittance. They did not credit the account accordingly. Instrument was not returned within the 3 days to dishonor the instrument submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has employment information on me and I am unaware of who they are. I requested a report from them on XX/XX/2023 reference # XXXX, and have not received either report or letter stating that they have no information/file for me.
Product: Credit card or prepaid card

This happened to me in XXXX : https : XXXX? XXXX XXXX XXXX XXXX  : XXXX I arrived in XXXX for business. My hotel was in the XXXX district. I went out to a normal looking bar that was on the street by myself. I went in to soak up the atmosphere of XXXX and I was wide awake. This is around XXXX. 

I paid for two drinks ( by credit card ). Went to the bathroom. A couple of girls said hello to me. This was not a hostess bar. My drink must have been spiked when I went to the bathroom. I then don't remember the next 5 hours or getting home. I have flash backs of being in a room by myself. My American Express personal and corporate credit cards were charged a total of $ XXXX. I was then sick for the next XXXX days. I reported the matter to the police but the XXXX did not show me leaving and other rooms in the venue, did not have XXXX. The understood what had happened to me but could do little about it. I reported the matter to American Express. They were very helpful and empathic but nothing happened. Eventually ( 30 days later ), American Express Corporate issued a refund for the corporate charges but American Express Personal because I had charged my card for two drinks, claimed that they had my express permission. American Express acknowledged the fees went to a construction company in XXXX and that I had no history to suggest I would spend $ XXXX in alcohol by myself ( or with anyone ). American Express own security protocols were not enacted, which should have happened a transaction for {$2500.00} was made. Furthermore American Express are willingly and knowingly supporting and funding organised crime, terrorism and attempted murder ( by being drugged ). They have open another investigation, but this is just American Express buying time. American Express needs to refund this monies, based on precedent alone that American Express XXXX acknowledge that this is fraud. I am XXXX XXXX XXXX, XXXX XXXX, as a single income family with a XXXX XXXX, that could have lost his life because of American Express policies. My wife has been sick with stress do to this event, resulting in multiple trips to the Dr . I will have to empty savings for my son education to pay for this and my credit score has been ruined from an excellent score of over XXXX to less than XXXX.
Product: Credit card or prepaid card

Hello, I have tried to report fraud which turned into a dispute with Capital One for some time. On XX/XX/2021 I purchased what I thought were airline tickets through a travel agency called XXXXXXXX XXXX which in turn charged my card but purchased airline tickets with a fraudulent credit card. I later was notified that my airline tickets were canceled because they were reported as fraud. I looked on the cancellation and realized they were purchased on a MasterCard. I do not own a Master Card. I provided Capital One with all the proof and they are stating they need a terms and conditions letter. What I have is an email that states no cancellations or refunds. Capital One is saying they need this document but it is all I have and it's enough. I never cancelled the trip, the owner of the fraudulent card cancelled the trip. Capital One is refusing to give back my charge even with all of the documents I do have which are itinerary confirmation from XXXXXXXX XXXX with missing info and as well as the cancellation of the flight with the mastercard of the unknown per on involved who cancelled the flight charge on their stolen card. Please assist me in any way. I am being charged but never received tickets. This company XXXX XXXX also did this to my brother who also owns a capital One Card but Capital One card who actually received his charge credited to his account. We have police reports against this company and an ongoing investigation and I have given Capital One the report as well. Attached are all the documents.
Product: Credit reporting

I disputed XXXX errors on my credit report. I waited for 30 day and Transunion sent me a letter stating they could not find my report ( this is enclosed ). I pay for credit monitoring from Transunion ( this is also enclosed ). I have been a customer since XXXX 2016 ( this is enclosed ). Therefore, Transunion has my credit report otherwise how would I know what is on it? I asked for 5 items to be disputed and since they failed they need to delete them immediately per the FCRA. I am not asking for another dispute. 
The items were : XXXX {$140.00} XXXX XXXX {$1000.00} XXXX {$1000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$14000.00}