23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:1230 has violated my rights. Or a list of inquiries : 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.
Product: Mortgage

I need to know if Selene Finance attorney  informed me that the house at XXXX XXXX XXXX XXXX was sold on XX/XX/2019 to a 3rd party purchaser they why is the house still in my name XXXX XXXX?   I went to Recorder of Deeds and they confirmed that the property is still in my name, I also contacted them today by telephone and they confirmed again today that no one has submitted an application to change the tittle out of my name that I am still the person name on the tittle.  I also got an email from  Selene Attorney XXXX XXXX and she informed me that they have not gone to settlement yet? So I need to know why are they demolishing the house that is still in my name. The property at XXXX XXXX XXXX XXXX XXXX  DC  XXXX   is still in my name XXXX XXXX  I believe that this would be illegal.  and against the law if the property is not in that person name to destroy it wouldnt it?  So my question is if the house is in my name why are they demolishing the house.  the attorney even said that the 3rd party person hasn't gone to settlement how are they  demolish the property?  My loan number is XXXX . My mortage Company is Selene Finance
Product: Credit card or prepaid card

I called PayPal Credit ( Bill me later ) on XX/XX/XXXX to get my balance on my account. 
the customer service rep told me that my account has been closed because i filed bankruptcy and that they mailed me a check back in XX/XX/XXXX in the amount of {$1800.00}. I told them i never rec 'd a check and i had already paid them another $ 500- {$800.00} since then, depending on when they did there audit on my account. 
I asked where have all my payments been going since i am paying on my account shouldn't i have a credit on my account? No, because my account is closed. No one can tell me anything. Nor help me. Pay pal owes me a couple thousand dollars at this point. 

i asked them to look at the check they mailed me i never rec 'd it NOR cashed it. To asked that the check be stopped and to send me a new check ALONG with doing an audit on my account to see how much more they owed me since i have paid several hundred dollars more. I was never notified that my account was closed and to no longer pay them anymore. 

I have been calling several times over the past 2 weeks and no one can seem to help me, they just say that they have a " case '' in and that it has been transferred to the back office but the " back office '' does not have a phone number nor can i be transferred to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters XX/XX/2023, to the credit bureaus asking them to validate an account on my consumer report. And they did, they stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the consumer reports even after they did the thorough research. 

The status updates are inaccurate, the Balances are inaccurate ect. 

Account : XXXX XXXX XXXX # XXXX In accordance with the Fair Credit reporting act XXXX Account XXXX XXXX XXXX # XXXX has violated my right.

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.
Product: Credit card or prepaid card

Synchrony Bank closed three of my cards-JC Penney, HSN and QVC because I accidently made an overpayment on my HSN card-bill was {$1900.00}, but I accidently keyed in the amount of {$19000.00} when I paid my bill. I received letters saying my accounts were being closed as a result of my credit report on XX/XX/21. I got a copy of my report on XX/XX/21 which shows a score of XXXX and nothing negative I can see on the report. Their website says they typically send offers of credit to individuals with scores of XXXX and above When I called, they said it was because of the overpayment-their system automatically cancels cards in the case of an overpayment because they suspect it may be a money laundering situation. This is a totally unfair credit practice. They should look at each account and it's history before arbitrarily closing accounts and the letters sent are not the real reason the accounts were closed, it was simply because of an accidental overpayment. No one at Synchrony could tell me anything about my credit record causing closure, they even all said they can't even access my credit info so their letters to me regarding the closing having to do with my credit report are blatant lies. Their sending this type of info to the credit bureau can damage my credit score and cost me money in the future.
Product: Mortgage

How is Wells Fargo able to approve me for a  XXXX  Mortgage Modification when the appraisal of the property is  XXXX ? Also, they have charged over  XXXX  on an Interest only pick-a-payment loan and the company settled out of court and was paid off by the government  XXXX  of dollars, and were supposed to use that money to help homeowners get a more affordable mortgage modification. They never have helped the homeowners, including myself like they were supposed to! I would like an explanation of why this is being allowed and how this is legal to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with XXXX and they have not properly resolved my issue! This account has been deleted from XXXX and XXXX due to the companies lack of information! I called XXXX on XX/XX/ to ask how did they validate the information and I was told that the company verified by just saying it was me without having to show XXXX actual proof like a signed contract with both parties signature or no proof of some type of relationship between me and National Credit System. I have given XXXX my Identification and past addresses history bank statements to prove that this is not my account and that i dont have any relationship with them This company has not provided anything but a word which is a violation of my rights I need them to provide me with actual proof or delete immediately because this has caused enough damage
Product: Debt collection

Reached to NATIONAL CREDIT SYSTEMS ( certified mail ) to request debt validation. I was sent an generic incomplete document. I responded back and asked for documents and contracts because the information sent was insufficient. They then sent me the SAME letter as 'proof. ' I sent another follow letter asking for the same criteria but they never responded. They never completed my debt validation request. They actually ignored my letter. NATIONAL CREDIT SYSTEMS violated my consumer rights and never validated the debt
Product: Money transfer, virtual currency, or money service

With all the fraud reports involving ZELLE, one of the easiest things should do is to allow users to delete a contact they no longer wish to send money to. 

If you have a one time transfer. That contact remains in your list of recipients forever ( at least with the XXXX XXXX  implementation ).
Product: Debt collection

XXXX  account was open in my name on XX/XX/year> and close on XX/XX/year>. this account is not mine.
Product: Debt collection

My name is XXXX XXXX I am a Consumer Natural Person and the Original Creditor pursuant to 15 USC 1602 under the Truth In Lending Act.. On XX/XX/2020 Mazda Financial Services committed fraud against me by issuing me an alleged debt contract instead of a consumer credit transaction.. As the Original Creditor I do not validate any alleged debt from Mazda Financial Services. I ask that Mazda Financial Services validate the alleged debt with the Original Creditor by providing the name and address of the Original Creditor.. Mazda Financial Services is also in violation of the Fair Debt Collection Practices Act pursuant to 15 USC 1692 . Mazda Financial Services is to cease and desist all forms of communication with the Original Creditor XXXX XXXX. Mazda Financial Services is to remove any alleged debt from the Original Creditors Consumer credit report within 30 days.
Product: Vehicle loan or lease

XX/XX/2020 - TD Auto Finance financed a new truck that I purchased through XXXX XXXX XXXX in XXXX, GA. I requested the loan to be in my name ( I'm XXXX ) and my grandson 's name ( age XXXX ) but was told by XXXX XXXX finance rep that no finance company would agree to do so. But because I have a good credit they gave me the loan knowing full well that I could not pay this payment if for some reason my grandson was unable to do so. Now the payment is all on me since my grandson can not pay. Also, I have attempted to sell the truck back to XXXX XXXX but they aren't interested. I got a purchase quote from XXXX of {$44000.00} even though the truck has only XXXX miles on it. The difference in what is owed and that amount is about {$25000.00}. I don't understand how a truck with so few miles could drop so drastically in price.
Product: Credit reporting or other personal consumer reports

My information was found by m a 3rd party website called early warning signs. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF XXXX XXXX 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) 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 non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a alert on my Experian Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.
Product: Debt collection

Portfolio Recovery has been unresposive to my dispute submitted via CFPB # XXXX regarding alledged account ending in XXXX because they made no mention of providing the proof I requested from their firm. 
I requested PROOF that this company provide validation that they alledge they sent on XXXX XXXX to me. I am requesting the tracking number that will prove that I received the validation they state that they sent. 
In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) without proof that you sent me validation you had no right to put the alledged account on my credit report. Additionally, your company is in violation as your company has failed to remove this 7 year information from my credit reports and you have blatantly illegally continued to report this account wiith a Date of Last Payment that clearly proves account is more than 7 years old according to your own reporting. 
I have disputed the alledged account as 7 years old more than once and you have verified my dispute each time which means you have committed more violations in addition to a litany of other violations that I may sue you for if I am forced to. I assure you that I have kept careful records regarding your violations. 
I am XXXX from being XXXX  with XXXX  and your firm is making my quality of LIFE even more difficult as I want this information deleted immediately. 
Your blatant disregard of the FCRA and FDCPA is unacceptable. 
I only knew about this account intially because it was on my credit reports.
Product: Mortgage

On XX/XX/XXXX, XXXX acknowledged misrecording payoff payment from my refinance lender - XXXX received funds on XX/XX/XXXX but recorded their receipt date as XX/XX/XXXX, which further resulted in charging me late fee {$270.00}. Further, they promised : XXXX ) overpayment owed {$9600.00} has already been mailed, XX/XX/XXXX. XXXX ) late fees were reversed and {$270.00} mailed out. 

XX/XX/XXXX XXXX post XXXX delivery, I have not received the balance of payoff - {$9600.00}. XXXX charged consumer for their mistake and is holding funds due to lender for {$9600.00} with no evidence of making timely practices : XXXX operator XXXX XXXX ( supervisor ) reported on XX/XX/XXXX that XXXX would only stop payment and reissue a check to mail, taking another 14 days for the check to be mailed. 

When consumers are late to payoff or monthly payments we are charged hefty late fees {$270.00} and charged {$100.00} per day for interest. XXXX violated RESPA. XXXX failed to ensure {$9600.00} principal payment to be received with 20 days of loan closing, XX/XX/XXXX. Today is 59 days post closing and payoff. I have received notice of Title release and refund of late payment, but still no payment due, {$9600.00}. 

I have spent XXXX hrs writing complaints, on hold with TMS XXXX, answering TMS calls who continue to provide no actionable accountability. 

Why are consumers charged hefty fees and their is no accountability on part of XXXX to comply with the RESPA, even when they acknowledge knowing by citing this law by the HUD.
Product: Checking or savings account

in XXXX my cards were stolen. my Chase atm card and my capitalone cards. i reported my cards being stolen to teh financial institutions. XXXX did they investigation and found that the charges were indeed fraud so they refunded me and mail me new card. i feel like i was victimized twice chase did the same, refunded me but then again took teh money back stating that a pin was used. The individual that stole my card did 4 different transactions at different banking location and different times, one of the transactions was done at XXXX. the transaction that were done on XX/XX/XXXX i was out to dinner for my birthday which i have proof and faxed all the proof i had to Chase so they can see that it was not me that did those transaction. i also obtain a police report so they can review the cameras at the ATm location to show that it was not me. Chase refuse to view the camera and pay me back. {$720.00} withdrawal was done. Chase told me to take this outside of Chase for results. this is why am contacting you. I went to the branch several times sat with a banker, Chase ; s claim dept will not even try to review and reopen my case. the claim number with chase XXXX here are the transaction dates and times ATM time XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, {$200.00}, {$200.00} XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX please help me to get my hard earning money back. i work at a XXXX  and had to work OT to save this money. 

Thanks
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, BBVA acquired all Simple customers. BBVA was the parent company for Simple bank - so this should have been seamless. For 5 months, Simple customers were told that on XX/XX/XXXX, all accounts would be transferred to BBVA - checking, routing, and debit card numbers would remain the same. Simple customers could not set up their accounts until XX/XX/XXXX. 

On XX/XX/XXXX, no Simple customers had access to their accounts due to errors. We never received an email from BBVA. For over 2 days, millions of people have been locked out of their accounts, cant reach customer service, had routing numbers changed without notice, had accounts / debit cards locked without notice. Ive been on hold for XXXX  hours on Saturday and XXXX hours on Sunday with no answer. I dont know where my money is, I have no access to my account or account balance, I cant deposit my paycheck, a direct deposit got returned due to a routing number change that wasnt supposed to happen ( and I cant update it with that employer because I have no access to even know what my routing number is and I cant get a hold of anybody ). All through this there is ZERO communication or information from BBVA.
Product: Debt collection

Debt collection agency is stressing me with lawsuits and certified mail. I am XXXX  and XXXX  I had tried to contact them to verify no contact response has been made with evidence proving I did transactions or debt. need to know what identification was used when credit was issued to whom and what address. I do not go shopping because I am disable and do not have any income expect XXXX which i can not barely live off of and I am on a fixed income need help I am being harassed after hours and XXXX hours outside normal business hours and threaten with legal action just because I request evidence of me owning debt. it is retaliation due to me asking question because I have no recollection of debt and am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed inquiries on my credit report with XXXX  to remove the unauthorized : JPMCB CARD also known as Chase Bank Then on XX/XX/XXXX I submitted a second dispute to remove the same inquiry. As of XX/XX/XXXX I received a response indicating after XXXX investigation they found the account to be accurate. 

However, the chase account found to be accurate was my chase mortgage account i had since XXXX NOT the unauthorized inquiry from chase on XXXX for a chase credit card. 

I specifically ask XXXX to investigate the JPMCB CARD. 
As a result of the completely wrong investigation XXXX  has removed 28 points from my credit score because of there error.

JPMCB HL is for Home Loan JPMCB CARD is credit CARD Therefore my credit profile has been impacted significantly with the inquiry remaining on my report. 

This left me compelled to write this complaint requesting my score to be adjusted and explain why your results of the wrong item on my report lowered my credit score? 

I am also still waiting for the removal of : JPMCB CARD INQUIRY TO BE REMOVED. 


Also there has been a Fraud alert placed on my report to show that there have been some unusual activity with all credit bureaus so why didnt Experian look in to the unauthorized inquiry?
Product: Checking or savings account

I was injured on the job XXXX XXXX XXXX I suffered a severe XXXX XXXX due to pilot 's landing badly in XXXX. I have been a XXXX XXXX with XXXX XXXX since XXXX Due to my ONLY income at this time being XXXX from my divorce, and XXXXXXXX XXXX XXXX, I had to move back home to the XXXXXXXX XXXX area from XXXX and give up my dream apartment. I paid for a one way moving truck ( though XXXX ) rental using my employee discount that only should have cost me {$550.00} total if I got the correct truck that worked. That was using my employee discount as well. It is all I could afford at the time. I will include the links of what followed after. They verbally and financially abused me/extorted me and refused to give a full refund. If needed, I will take them to small claims court. But US Bank assured me they would handle it. After getting the initial provisional credit back, I contracted XXXX. I had a XXXX of over XXXX for 3 days straight, and then I was XXXX in the ER due to such extreme symptoms. At this time is when US bank sent me the mail invoices to fax my proof paperwork for all of this. I went to my local branch and had a XXXX named XXXX XXXX in XXXXXXXX XXXX said she would handle it all for me. She faxed all documentation and assured me I would be receiving the provisional credit, and any overdraft fees I incurred due to this would be refunded as well. This was over a month ago. She has since ghosted me. I have went to multiple banks, talked to the fraud department on the phone over 20 times, and nothing. Even when they claim to escalate my issue to be resolved in 72 hours, I never hear from them again. They owe me thousands at this point. I also had my information breached with the XXXX XXXX breach. They refunded me most of the charges that were made, except for the XXXX XXXX charge that was fraudulently made. Both times they reversed the provisional credits from my accounts they were positive. They then charged me over 7 overdraft fees. They refuse to reimburse me for the overdraft fees. I am about to lose my car my dead grandmother bought me and they do not even care. I just need someone to actually care and show compassion for me.