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

XXXX XXXXXXXX XXXX, XXXX bank XXXX, XXXX XXXX XXXXXXXX i am reporting a fraudulent inquiries found in my credit report
Product: Mortgage

I recently submitted a request to US BANK to participate in the HAMP modification program. I had been redundantly asked to re submit information concerning my employment status because of a misfiling of the original paperwork. I absolutely understand having to clarify paperwork. However I do not and can not understand why I would be repeatedly asked to re submit the same information. Each time having changes in the demanded paperwork ie ; first request being for XX/XX/XXXX info then expanded to XX/XX/XXXX and XX/XX/XXXX ' or paperwork was originally requested to have acct # then expanded to acct # and physical signature. I currently have a high interest rate and it seems that the redundancy is simply defer and delay tactics by the bank to continue to get paid that high rate all while I absolutely do have need and qualification to modify. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXreporting the card was changed off I requested a 1099c and to verify this account was updatednothing done they have yet to give me anythingbut its still reporting as negative on my credit report.. I would like it deleted from my credit report 15 us 1681 c2
Product: Credit reporting, credit repair services, or other personal consumer reports

I consented to a credit inquiry on XX/XX/XXXXXXXX  performed by XXXX XXXX XXXX Informative Research XXXX I DID NOT authorize my credit to be pulled AGAIN on XX/XX/XXXXXXXX XXXX  by the same entities. As a result I request that all reporting credit bureaus remove that inquiry from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX THE ACT OF ( TITLE VI OF THE CONSUMER PROTECTION ACT ) PROTECTS INFORMATION COLLECTED BY CONSUMER REPORTING AGENCIES. INFORMATION IN A CONSUMER REPORT CAN NOT BE PROVIDED TO ANYONE WHO DOES NOT HAVE A PURPOSE SPECIFIED IN THE ACT.
Product: Credit card

I had a credit card with XXXX. On XX/XX/year>, I received this email : " The relationship between XXXX and FNBO is ending. Your credit card account will be permanently closed to new transactions beginning XX/XX/year>. FNBO will replace your existing Cardmember Agreement and Rates and Terms Schedule with the enclosed Cardmember Agreement and Rates and Terms Schedule ( together, your New Agreement ), effective XX/XX/year>. ( Please note that any provisions of the New Agreement pertaining solely to open accounts and/or new transactions will not be applicable, because your account will be closed ). Please see the links below for more information and watch your mail for a copy of this notice. '' The total balance on this card was approximately {$15000.00} ( which was the maximum limit on the card ). I wasn't issued a new card with FNBO. The account was just closed, the full balance was transfered to FNBO. I had no say in any of this. I was just told who to make my payments to on this new account. 

In XX/XX/year>, I payed the first of my monthly bills to FNBO directly as XXXX was no longer involved and FNBO was the holder of the debt. The minimum amount due was {$360.00}, which I paid on-time. 

In XX/XX/year>, I was told the minimum amount due was {$770.00}, and my account balance was now {$15000.00}. More than I had before I transfered, even though this account was closed, and no charges were made. 

When I inquired why the monthly amount was more than double the previous month. I was told that FNBO was charging me 3 % of the TOTAL balance of the account ON TOP of the monthly charge. {$330.00} + {$440.00} for a total of {$770.00}. So only {$440.00} going to the balance. So in essence, it would cost me almost DOUBLE to pay off the account with the minimum payment each month. 

Is this even legal? This was all done without any consent or agreement. I didn't want to close the account, the balance was given to another bank, and I had no choice but accept their terms. 

Do I have any recourse?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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, other than the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

This is about XXXX XXXX XXXX XXXX sending a wrongful debt of XXXX XXXX on my name to the debt collector Prince Parker. I an ex XXXX XXXX XXXX XXXX. I had closed down my XXXX XXXX XXXX internet and wireless account more than 2 months ago & I moved to another provider for better services. Before closing down XXXX XXXX XXXX, I paid all my due bills for internet & wireless account. I did not owe anything to XXXX XXXX XXXX. I moved my home internet and mobile provider to another provider and now I am not even an XXXX XXXX XXXX customer. I checked my online account & also spoke with the XXXX XXXX XXXX Customer service and I was told that I do not owe anything to XXXX XXXX XXXX and my balance is XXXX. Then why did XXXX XXXX XXXX wrongfully report this to Prince Parker Debt collector when I do not owe anything to XXXX XXXX XXXX. Again, I am not even an XXXX XXXX XXXX XXXX XXXX XXXX customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of not only XXXX  data breach but I also lost my wallet with all my information some time again. Now looking at my credit file I see unknown accounts inwhich I'm asking to be removed. 

1 ) XXXX XXXX  {$120.00} 2 ) XXXX XXXX XXXX XXXX {$440.00} 3 ) XXXX XXXX XXXX {$14.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request and as I investigated my credit report, I found out that some of the information was erroneous. You had enough time to review this matter. The XXXX and Transunion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate this unverifiable account : XXXX XXXX Balance Owed : {$230000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
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
Product: Debt collection

They froze my bank account without any notification. I attempted to set up a payment arrangement and they refused.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason at all and its not helping me getting it back. I dont know if this is some mistake or not, however, I assume that it has to be. I have not been able to get help from them for months and I just remembered that I could file a report here if they are not doing their job properly, and it is affecting me a great deal as I used PayPal quite regularly. My email linked to my PayPal account is : XXXX XXXX
Product: Consumer Loan

I have a lease agreement with Toyota/Lexus Financial Services. Due to an unforeseen temporary XXXX and XXXX my loan has become delinquent. I contacted numerous customer service representatives to request a loan deferment which is advertised in the finance options provided by the company. Unfortunately, I was charged {$300.00} per deferment month, which is excessive and XXXX of the required payment. I adhered to the agreement, paid the fee and signed the forms. Yet, my account still reflects a severely delinquent payment status and the agreement has been unjustly withheld by an account representative allegedly in the " Lexus Executive Corporate " offices in California. I was provided with a XXXX XXXX number and a recorded message left by a XXXX XXXX XXXX I attempted to return the call but only spoke with a hostile male representative who in prior days refused to provide truthful account information regarding my balance and a viable and fair solution to bring my account current. In essence the male representative was deceptive and only provided a predatory payment solution with interest rates that reflect the discriminatory rates which sparked the XXXX XXXX dollar class action discrimination law suit. Lexus/ Toyota practices regarding individuals with minority profiles has not changed. In fact the tricks and lies prevent consumers from incurring excessive fees and repossession. I am a certified educator who has conveyed to the company that I am seeking to finance my vehicle through my credit union. This is not possible if Lexus Financial refuses to allow me to bring my account current with the agreement verbally and documented. The account representatives are participating in fraudulent practices such as refusing to provide accurate account information regarding payments due. In fact, I have had my account reported delinquent due to a monthly payment of {$16.00} owed and the information intentionally withheld to " force " my account into a full demand for payment status. The interest has is more than XXXX points. My car was obtained in XXXX of XXXX. I am seeking to have XXXX full payments added to the balance ( months of XXXX & XXXX ) partial payment for XXXX {$250.00} accepted, XXXX XXXX, XXXX payment accepted paid in full by XXXX XXXX, XXXX. The XXXX payment due by XXXX XXXX, XXXX. This will allow my payment to become current and obtain fair financing by my credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE INQUIRIES BELOW SEVERAL TIMES AND I KEEP GETTING REPLIES BACK THAT THESE ITEMS HAVE BEEN VERIFIED AS ACCURATE. THESE ITEMS ARE KEEPING MY CREDIT SCORES LOW WHICH IN TURN IS AFFECTING MY OPPORTUNITY TO GET DECENT RATES ON A PENDING HOME PURCHASE. 

1. XXXX XXXX XXXX XX/XX/XXXX UNATHORIZED INQUIRY 2. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 3.  XXXX XXXX - UNAUTHORIZED INQUIRY 4. XXXX  - XX/XX/XXXX - UNAUTHORIZED INQUIRY 5. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 6.  XXXX XXXX - XX/XX/XXXX -, UNAUTHORIZED INQUIRY 7. EXPERIAN XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 8. XXXX XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 9. EXPERIAN XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 10. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 11. XXXX  XXXX XX/XX/XXXX UNAUTHORIZED INQUIRY
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

viewed credit report seen inquires i didn't apply for /these are fraudulent inquires sent letter no response XXXX XXXXXXXX XXXX =Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a XXXXard inquiry on my credit file on XX/XX/XXXX Hard Inquiry made by XXXX XXXX. This inquiry was not authorized by me and don't remember inquired anything from XXXX. 

Equifax had a XXXX inquiry on my credit file on XX/XX/XXXX Hard Inquiry made by XXXX XXXX. I was misinformed that This inquiry was not going to reflect on my Personal credit report, since it would be under ( XXXX ) Business account it would be a Soft pull on my personal report to verified my identity and hard pull on Business DUN number.
Product: Student loan

When I signed up for payments through Edfinancial the representative stated my loans would be paid off in 10 years. Also, during Covid I told them to continue to deduct my loan payments after I got an email. I looked today at my tax documents and they have not taken 1 automatic payment since XX/XX/2020. This institution is very fraudulent and need to be sanctioned heavily.
Product: Credit reporting or other personal consumer reports

Can't dispute over the phone or online. Won't let me speak to a representative.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX XX/XX/XXXX balance of {$780.00}. XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXX balance of XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
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 Some stole my identity n I didnt know until I checked XXXX XXXX
Product: Credit reporting or other personal consumer reports

us dept of educatio in accordance with the Fair Credit Reporting act XXXX Account # 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 us dept of educatio I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.
Product: Credit card or prepaid card

In late XX/XX/2020, I noticed that I was no longer able to log into my XXXX XXXX and a pop up indicated that my account was terminated. 

I filed a complaint through DOT requesting for further details as to why my XXXX XXXX account was terminated. 

I received a response from XXXX XXXX on XX/XX/2020 stating that I was involved in 'abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. ' I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citi AAdvantage credit card. Please provide conclusive evidence of such case where I have violated the terms of the agreements made between Citibank and myself as stated by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian once again closes another complaint without addressing the issue and giving explanations that once again have nothing to do with the problem which is Experian NOW HAS STOLEN 18 months of on time never late payments to XXXX and refuse to give them back
Product: Credit card

This is both a follow up and additional complaint against PNC bank. Around the XXXX week of XX/XX/2016, I reported unauthorized transactions on my PNC Visa business card. I spoke to a fraud investigator, detailed each transaction as required. I also requested in writing all correspondence done in writing via either PNC banks own secure message system, on line chat, email or USPS for accuracy purposes. I am sure everyone agrees this is the very best way for transparency and assure neither side is limited to the facts. However, PNC claimed my original dispute was MISHANDLED. and requested another detail list of all the transactions. This seemed strange to me, they have a recording of the conversation, therefore a record of everything said. Why would PNC bank REFUSE to access their own record? Further, PNC bank continued attempts to have my 2nd dispute over the phone. Why would I provide them another dispute over the same format they admitted mishandling and refuse to acknowledge having? Therefore, I provided a 2nd dispute in writing on XX/XX/XXXX, through PNC banks own Messaging platform, this way there is no discrepancies or possibility of any attempt to claim it was NOT received, right? Both sides now have a copy. I mean KNOW WAY would PNC bank be so bold and defiant to LIE! 
Well, brace yourself for this one. Just yesterday I received a letter from PNC bank, dated XX/XX/2016 from XXXX of the Dispute Resolution Department claiming ... I never provided them with details of the unauthorized transactions " ... You have NOT responded to our request for information. As a result, we can not conduct an investigation into this matter, we have closed our file and you WILL CONTINUE TO BE RESPONSIBLE FOR ALL AMOUNTS DUEAND OWING .... '' Now either PNC bank is recklessly incompetent, or deliberately lying. both violations of out agreement, which is an agreement of adhesion ( in other words, they created and dictated the agreements had no say in any terms, yet they still break it ). Further I have disputed the amount owed with XXXX, therefore setting up for future damages. If pnc bank reports the balance to include the disputes transactions as accurate it will trigger the FCRA violation standard allowing me to sue. interesting what the CFPB intends to handle this, because by PNC banks own actions they are sending a clear message that the CFPB has zero leverage with them and PMC clearly has no respect for federal agencies.
Product: Money transfer, virtual currency, or money service

Sat. XX/XX/2022 at XXXXpm. I interacted with a hacker impersonating a tenant on roommates.com. They emailed a lease to sign. I sent {$1300.00} via XXXX to secure my room. After I sent {$1300.00} and did not receive a confirmation email from the rental property, I immediately contacted BofA. I reported fraud via phone to BofA. 

I used the XXXX feature on BofA. When I spoke to Bank of America the agent told me the other party where the money was sent was also BANK OF AMERICA. 

XXXX said it was Bofa responsibility. My account is w/ BofA. How can a BofA allow fraud to continue and not be accountable? BofA has FDIC insurance to protect from hackers. 

XXXX is a legitimate website that should be held accountable too. I could not reach them. 

Bank of America said if there is money on the account they will pull it. I received a letter from BofA that my fraudulent claim was denied.
Product: Checking or savings account

I was scammed out of money on cash app platform in the total amount of XXXX on XX/XX/2023 I need my money back and the ones who scammed me to be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Credit reporting

THERE ARE SEVERAL INCORRECT ITEAM LISTED ON MY REPORT WITH A FAMILY MEMBER NAME NOT MY OWN. I HAVE CONTACT CREDIT BREAU IM NOT GETTING ANY HELP. IM TRYING TO GET A HOME WITHIN THE NEXT 30 DAYS IN BY THIS INCORRECT INFORMATION BEING ON MY ACCCOUNT IS HOLDING ME BACK
Product: Mortgage

RightPath Servicing has fraudulently claimed that my hazard insurance on my primary residence had expired, when it did not. I provided RightPath proof of insurance on numerous occasions. RightPath threatened to purchase hazard insurance on my behalf and assess me for the cost although I have repeatedly provided proof of hazard insurance. 
In XXXX of 2022 I was made aware of insurance purchased on my behalf and that I am being charged for this insurance. The insurance RightPath purchased was not hazard insurance, but condo insurance or a HO6 policy. RightPath deceptively claimed I needed to purchase hazard insurance, not HO6 insurance.

RightPath continues to assess me for this insurance although I have purchased my own HO6 insurance at more than half the cost I am being charged by RightPath.

RightPath has also misappropriated my mortgage payments.