23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I've received an email on XXXX  XXXX 2023 that mentioned my new account was open and I just noticed it when I got an email this morning with an account statement ready to view. This was from Citizen Bank. I do not have an account with then and this is a case of identity fraud, someone used my name, birthday and ssn to open a savings account. I finally got ahold of someone from customer service but all they did was take my info and inform me they sent a request into their fraud department. They told me I couldn't call them directly or even close the account right away so now I have no idea if the fraudulent account is still open or by whom. They were not helpful and seemed to not care it was identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called customer service with TRANSUNION on XX/XX/21 to remove fraudulent inquiries. Representative told me to file an FTC. The FTC website redirects me to file a complaint/fraud with Consumer Finance.gov. I tried to explain this to the TRANSUNION rep whom did not understand. I spoke with a FTC rep who confirmed that my type of complaint goes through Consumer Finance. My file number with TRANSUNION is XXXX. TRANSUNION has failed to provide documentation that these inquiries belong to me Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). This is causing serious hardship in the mist of COVID-19. This has caused serious problems and hardship.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified several instances of late payments that are inaccurately recorded on my credit history and I would like to dispute these erroneous information. I strongly believe there is an error in the reporting of these late payments, as I have consistently made timely payments for the mentioned account. I also called the bank and they said they would correct and update the account. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. 

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

My mortgage payments were showing up as not posted after I had paid them starting in XXXX, 2021. I called and inquired about it and was told everything was fixed and to continue making my payments in full on the XXXX of each month. I received correspondence in XXXX saying I was 2 months behind on payments. I again called the company and was told to disregard the letter because it was taking them longer to post things due to COVID. I saw my FICO score declining and missing payments stacking up to total 4 months of missing payments reported to the credit agencies even though I had proof of them coming out of my checking account. I spoke in person with the manager of Mountain America Credit Union XXXX XXXX Utah branch, XXXX XXXX, on XX/XX/2021 and was told he would contact the mortgage company they were working through and fix the problem. After considerable effort on my part, they agreed to correct the problem and provided me with a letter from Mountain America saying the reinstatement request had been mailed on XX/XX/2021. There was no evidence of who the letter was mailed to, or what it stated, and I was never given a copy of the request even though I asked for it multiple times. I have attempted to confirm with the 3 principal credit bureaus that they received the request and none of them can confirm. Consequently, my credit has been harmed to my financial detriment. I am currently trying to refinance my house and we are having a lot of difficulty with that and I am not able to get the discounted rates that would be available if my credit was not harmed like it is. I respectfully request that CFPB demand prompt action by Mountain America Credit Union so my credit score can be repaired and corrected before my new loan closes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 over the world wide web XXXX XXXXk XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX | MOBILE ( XXXX ) XXXX violated the rights of the applicant entity and used misleading and deceptive practices in violation of [ Title 12 USC 5531 ]. XXXX XXXX knowingly and willing used the creation of a " application '' also known as a " security instrument note '', to deceive the applicant into a fraudulent contract by forcing the disclosure of private estate account numbers, the treasury XXXX social security trust account number. Only after this number was issued to XXXX XXXX were the rights of the applicant entity discriminated against violating [ Title 42 USC 12112 ] by denying the creditor [ Title 18 USC 914 ]..
Product: Credit card or prepaid card

Hello, Capital one closed my account with no notice, Despite paying my balance in full every month. This action is now affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent out a letter disputing a fraudulent USAA account with XXXX. They came back and stated that the account had been verified by USAA. 

In XX/XX/2019 I called USAA about the fraudulent account, they stated that they were unable to locate this account in their records. I also sent them a letter, in which they received on XX/XX/XXXX, requesting the original business transaction that shows my signature for the item they are reporting on my credit. I have yet to receive anything from them. 

I reviewed my credit report today, XX/XX/2019, and I saw that the account had still been reporting on my credit report. 

I called XXXX  about the account, in which they had just opened a dispute on XX/XX/2019 again with USAA. I sent the letter in since XX/XX/2019. I informed them they they need to block the account from reporting until proof is provided otherwise. They refused to block the account and stated that they will wait until USAA provides information to verify the account. I asked how was it verified the first time since they don't have any information to verify that the account was mine. They couldn't answer the question and only provided a vague response that a dispute is opened. 

Both the other credit bureaus ( XXXX  & XXXX  ) have already removed this fraudulent account from my report, however XXXX  has failed to do so and it is negatively impacting my credit. I am unable to obtain a business loan as a result of this erroneous account.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

Hello, my name is XXXX XXXX, and I am writing to delete the following inaccurate and incomplete information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have been a victim of identity theft and many accounts were established in my name without my knowledge or consent. The following information you have placed on my file has seriously affected my ability to obtain credit. Please be reminded that it is important for credit agencies to maintain accurate information per The Fair Credit Reporting Act. I have provided you with a Federal Trade Commission Identity Theft Report detailing the incident. I have been working with police and I have hired a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be deleted from my credit file immediately.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law bec
ause I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XXXX of XXXX, I made a payment on my credit card for the remaining amount owed. Between the time my payment was submitted and actually hit my card, there was an interest charge that had occurred. I never received documentation about an interest charge in the month of XXXX or in XXXX Not until XX/XX/XXXX did I see things hit my credit report when I went to go pull a annual credit report. I called Capital One to address this issue and the FIRST account manager I got asked me right away if I was calling about the error on my account. She explained to me that it was an error on there end and somehow between me making the final payment and the interest showing up on my account it was simply a misunderstanding and that not only would she be crediting my account to remove the interest but she would also be notifying the credit bureaus to make the change to my credit report. I thanked her and asked when I might see this change. She stated that it could take up to 30 days to see the change. That was in XXXX of this year, now it is XXXX. I still don't see an update made, I have dispute it with all XXXX bureaus and I have spoke to several account managers and supervisors at Capital One that continue to advise me that they have sent it to be updated. I was advised by a loan officer to call again last week and ask to get some documentation from Capital One that I could submit to the credit bureaus. The last woman I spoke to said she would send something over. It came over in a docu sign with incorrect dates. Now I can't seem to open the file again. I called back again today to discuss and get the file updated with the accurate information and the supervisor I spoke with not only was rude, but told me that there were NO NOTES in the system of my issue or ANY of my calls since XXXX dealing with this issue. I have several accounts with Capital One and they have been positive. I have NO reason to fall behind in payments. I have a great job and have been working really hard to make sure my credit stays in a good place. I don't understand how such a big company like Capital One wants to treat a consumer as such. Word of mouth is the biggest marketing tool. All I want is for my credit reports to be updated and in good standing. I literally just opened another account and deposited thousands of dollars into it with Capital One. If I need to take my business somewhere else I will. This is so sad to me to have to even file this complaint at this point and to find out that Capital One staff aren't even keeping notes on the accounts when they speak to customers. I really hope someone can help to resolve this issue immediately. I am a XXXX  mom to XXXX children and I work my XXXX off for them and I am trying really hard to show them what hard work can do when you do the right thing and are financially smart about it all. PLEASE HELP .....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. 

My most recent disputes were filedXX/XX/XXXX ( one for each mortgage company ). I received a response from XXXXXX/XX/XXXXstating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. 

I 've contacted both mortgages who say they are reporting to XXXX each month. 

I would like the history corrected for both mortgages.
Product: Mortgage

The company, PRMI, sent me their annual XXXX insurance update at the end of XXXX. I immediately asked our XXXX to fax the information to the number on the letter making sure the loan number was included and she did it on XX/XX/2024. At the end of XXXX, I received another from the company saying that I had to pay for XXXX XXXXnsurance since proof of such had not been faxed. I checked with our XXXX who confirmed the fax had been sent ( see attached ). 

Just to be sure, I immediately uploaded the same information to the website on the second letter on XX/XX/2024 and called PRMI XXXX on XX/XX/2024 and spoke with XXXX who confirmed proof of XXXX  insurance was received. I then asked XXXX if they had received this document at an earlier date and she confirmed they had received it on XX/XX/2024 as the XXXX said/did! 

So why was PRMI sending me a letter, nearly a month after receiving the proof of flood insurance saying I would need to pay insurance since they had not yet received proof of insurance when they actually had! XXXX said they were " slow '' in processing the information. Well, if that is the case, then they should wait before they send threatening letters out, shouldn't they? 

This is a type of of harassment, frankly. And it happened last year and the year before. When are they going to fix their processes : either be faster in information processing or do not harass individuals until they process what was received. Simple. 

PRMI does not care that I, as a XXXX XXXX, only have XXXX minutes of lunch, and have, year after year, to stop everything, call and check with the XXXX and verify things, send it myself, when they already had the information! This is unreal!! 

I hope CFPB will fine this company, PRMI, for undue, repeated, harassment.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my transactions.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESS NAMES TO BE FURNISHED ON MY EXPERIAN XXXX EXPERIAN CONSUMER REPORTS. ACCORDANCE WITH 15 USC 6801a b 1 2 3 4 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO XXXXISCI OSURE of personal information i never signed any disclosures forms given written consent! 
EXPERIAN : NAMES XXXX XXXX XXXX, XXXX XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX PLEASE DELETE PROMPTLY I KNOW MY RIGHTS
Product: Debt collection

Account XXXX : XXXX XXXXeference Number : XXXX Right below is the latest response from PlusFour. 

" The information provided by you to us is the same that we have on file for you. If this is not your debt then please provide information proving that this person is not you. If you are a victim of identity theft or fraud there are steps that you can take. Otherwise based on the information you have provided to us and what we have from the creditor this debt is yours. You account is marked as disputed and will remain so until you are able to resolve it. '' I don't have to provide information to prove the person is not me. It is PlusFour 's job to prove it belongs. They have yet to show a signature or proof that they are authorized to collect this alleged debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never XXXX XXXX. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF ED/XXXX XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.
Product: Credit reporting or other personal consumer reports

To Whom it may concern.. 

Company : AMERICAN CREDIT ACCEPTAN Account number : XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( XXXX, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you ( AMERICAN CREDIT ACCEPTAN ) authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law.

If the company AMERICAN CREDIT ACCEPTAN can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report XXXX, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option.

I have never received or signed any document of American Credit Acceptan.

15 U.S.C 1681s-2 ( A ) 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. 

My dealings were only with XXXX XXXX XXXX XXXX XXXX, I never did business with AMERICAN CREDIT ACCEPTAN, they are reporting inaccurate, dubious and unverifiable information, I demand the immediate deletion of the account in XXXX, XXXX and XXXX. 

Show me written evidence that American Credit Acceptan complied with all these laws.
Product: Credit card or prepaid card

My credit card account with Bank of America ( BOA ) ending in XXXX was paid in full and noted as a {$0.00} balance as of XX/XX/XXXX. On XX/XX/XXXX, I was charged XXXX. XXXX in interest. I contacted BOA on XX/XX/XXXX in an attempt to understand why this interest was charged to my account. I spoke with several representatives who failed to give me a satisfactory reason for the interest charge on a XXXX balance. I was repeatedly told, " the interest is charged on the back end. '' To gain clarity, I asked to speak to a supervisor. I was transferred to supervisor, XXXX XXXX, who was very rude and unaccommodating. XXXX was blunt and rude and refused to make any adjustment or provide any credit to my account although I've been a loyal customer for several decades. XXXX repeatedly indicated, " interest is charged on the back end. ". I've had previous BOA credit card accounts and after paying the balance in full, I was not charged interest " on the back end '' as I've been told. Please see the attached statement that supports this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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: Payday loan, title loan, or personal loan

I went on an online chat at XXXX to inquire about services they may have to refinance my loan or if they had secured loans. The chat rep gave me a number and told me to ask for special handling. I called and couldn't get past first rep who said the only option was forbearance, I adamantly stated numerous that I didn't want that nor was I interested. She said that was all she could say. I asked her to connect me with someone else that may be able to help and she said the person she connected me to could explain the program or give information. When I was connected he again went into the forbearance program and I immediately told him I was not interested in that and that I have a financial license and did not want that on my record. He said he was sorry I was misinformed and I said okay and we ended call. About 2 minutes later I received an adverse action notice in my email saying that i did not qualify for the application for loan modification or forbearance! 
At no time whatsoever did I authorize the pulling of my credit report or consent to any application! I was literally just asking questions and knew right away and told them so that this was not something I was interested in doing. At no time did request this.