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

These accounts have been charged-off, meaning it is now considered a certificate of indebtness & income, which should be reported with a 1099C. Income can not be reported on my credit report. 

XXXX XXXX Account : XXXX balance {$800.00} Credit XXXX XXXX Account : XXXX balance {$540.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX  XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Questioned a charge of {$1.00} on the account for which Chase attempted to impose a {$28.00} junk fee creating a balance of {$29.00}. When requesting clarification Chase responded with we cant locate the transaction information you requested and then added another {$28.00} junk fee. They also addressed the letter to XXXX XXXX. Im concerned that someone else may by manipulating this account as Chase would never try and collect {$56.00} in junk fees for a {$1.00} charge that they cant even verify.

They also stated a replacement card was mailed over 2 months ago and they dont even know where they sent it. They still use an address that was changed 5 months ago.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected
Product: Money transfer, virtual currency, or money service

Bank Of America accuse me of pssing a bad check account XXXX XXXX XXXX written by my wife XXXX XXXX on XX/XX/2023. the fraudulent claim locked my XXXX XXXX endind in XXXX causing XXXX XXXX to lock my account ending in XXXX. On XXXX I called XXXX XXXX for an explanation and they responded you are accused of writing a check from the account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Student loan

I am a victim of identity theft where my personal information was bought and used by multiple companies to have me pay on a student loan with interest, despite being in deferment. Originally, I only signed a contract with XXXX XXXX, and I did not consent to my loan being transferred or sold to other agencies.
Product: Vehicle loan or lease

WELLS FARGO BANK NA XXXX XXXX XXXX po box XXXX XXXX, MD XXXX XXXX listed as the lien holder on my title ( See attachment ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Wells Fargo in Texas indicated they have no record of my vehicle ( See WF response attached ) It seems that the complaint department in Texas should contact the Wells Fargo Bank in XXXX, MD to see if they have a record of my car. If in fact they have no interest in my car then they should be willing to provide a release of XXXXen & send it to the Illinois Secretary of State ( See Form attached for their use.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This account was settled under the term that XXXX would not penalize my credit. I received in XXXX a tax form to file this account on my taxes. By law credit can not be counted as credit and income. My credit file says the account will delete off in XX/XX/XXXX. I am being penalized 3 times with this account.
Product: Checking or savings account

On Thursday XX/XX/XXXX. My debit card was stolen I disputed this with the bank immediately and today XXXX first they tell me they conducted a thorough investigation and will not credit me my money back. The name of this bank is called Albert ( With XXXXXXXX XXXX ) They wont give me a number to contact them directly and its either through phone or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly submitted a dispute to have a USAA credit card removed from my credit report. I am only an authorized user and not the primary account holder. I no longer have access to this account nor am I responsible for any past balances or future charges on this account. XX/XX/XXXX refuses to remove it even though XX/XX/XXXX and XX/XX/XXXX have removed this account from my credit report with them. 

I have tried to contact USAA to have me removed as an authorized user ; however, the company refuses to speak to me about the account since I am not the primary account holder so I can not even get past the first person to ask to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Rocket Mortgage for early information on rates and closing costs as I was just beginning research into the process of buying a home. I am working to get my credit score increased to XXXX, so have been extremely careful about ensuring no hard credit checks were made to my report yet. 

Upon submitting my initial information, Rocket Mortgage gauranteed that only a soft credit check would be made ( I have a screenshot of this ). Later that day, a loan officer called me to chat through the details. During this call, without my permission ( they have call recordings ), the loan officer conducted a hard credit check. The only reason I knew that he had done this is because I received an instant notification from XXXX. The loan officer then told me that he could not reverse this and the hard check could not be removed from my credit profile. The only step they made to rectify the situation was to offer me some sort of discount on closing costs, but they aren't willing to actually tell me what this discount would be until I move forward with choosing them as my mortgage company. This whole situation seems to be an illegal and manipulative tactic to force me into using Rocket Mortgage.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Checking or savings account

Regions Bank recently pushed everyone to get periodic statements online. I selected to continue to get my periodic statement in the mail, but I didn't get the XXXX or XXXX periodic statements in the mail. I expressed my concerns in person and was assured that my account was set up to have my statements mailed to me. I have never received my XXXX periodic statement after multiple requests. I spoke with customer service on XX/XX/XXXX and was assured my XXXX statement would be mailed to me. I have never received the XXXX statement. At this point, this appears to be a XXXX issue. I feel as if they are being deceptive and do not want me to be able to balance my checkbook. Someone at Regions needs to take my request seriously. Extremely disappointed with their handling of my request for a periodic statement.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized nor do I have any affiliated with. I've contacted the credit reporting agencies notifying them of my personal information being stolen in 2019. I advised that accounts were now being reported to my credit report that are not mine I have the right to privacy and have not given any written consent for this information to be furnished to my credit profile which is in violation of 15 USC 1681B. 

Furnishing accounts due to identity theft is also in violation of 15 USC 1681 c-2 I requested that Experian, XXXX, and XXXX remove all fraudulent addresses that are tying me to accounts that are not mine. I have not received any formal updates and this information being reported in severely impacting my credit.
Product: Checking or savings account

On XX/XX/XXXX, I opened a citizens access account at XXXX. 

I funded the account with {$3500.00}. 

On XX/XX/XXXX, I decided that I would withdraw {$100.00}. On XX/XX/XXXX, I decided to move all money {$3400.00} from Citizens Access because the website doesn't work well and I'd rather use a different bank. 

These funds were sent back to me on XX/XX/XXXX. 

On XX/XX/XXXX, Citizens access decide to reverse both ACH tranactions and took {$100.00} back to the original account. 

The XXXX had already been moved to another account and was not able to be reversed. 

I did NOT ask to reverse this transaction. 

Today, on XX/XX/XXXX, I went on to the online access for my citizens access bank account and it shows that it is overdrafted by XXXX. 

Today I also called and spoke to customer service. After verifying I am told that " the bank is no longer doing business with me and has nothing else to say '' The bank owes me {$100.00} and I need the XXXX overdraft balance corrected and the bank account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inaccuracies with XXXX XXXX ( XXXX ) Account on my profile. The reporting of late payments after a repossession occurs is an error and is NOT FACTUAL. The Account that you are reporting is identified as a repossession yet, You have continued to report late payments with XXXX in XXXX of XXXX Since the vehicle is no longer in my possession, It would be impossible for me to default on the payments after the fact! XXXX XXXX XXXX shows repossession while XXXX shows 90 days late for payment status! XXXX, XXXX XXXX XXXX are also showing the following inaccuracies : Monthly Payment : XXXX {$190.00} XXXX- {$0.00} XXXX- {$190.00} Date Opened : XXXX XXXX XXXX XXXX : XXXX- {$6800.00} XXXX- {$6800.00} XXXX- {$6600.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX Due : XXXX {$990.00} XXXX- {$990.00} XXXX {$590.00} Payment Status : XXXXRepossession XXXXRepossession XXXX 90 Days Last Reported : XXXX XXXX XXXX Date XXXX Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX The account that Credit Acceptance ( CREDITACPT ) is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ga XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Product: Debt collection

Financial data systems never sent me prior notice of this alleged debt as required by federal law to give me the right to dispute, additionally they have violated my privacy rights, along with hippa law. Please see NOTICE OF DISPUTE letter attached for more details.
Product: Checking or savings account

On two occasions, once in XXXX and once in XXXX, I believe, at the recommendation of coworkers, I opened a checking account with KeyBank and funded them as per my obligation to do so. 

Within a short period of time, my accounts were closed and I was told that some information couldnt be verified. 

Therefore, the accounts were closed without my notification and my funds were held by KeyBank. A total of close to {$200.00} was held.

I had to make numerous calls to get my funds returned because KeyBank couldnt locate my accounts. Poor record keeping! 

On XX/XX/XXXX, I went to my local KeyBank branch to again, attempt to open a checking AND savings account. I thought all was well this time around. 

On XX/XX/XXXX, my employer directed deposited {$500.00} into my checking account and on XX/XX/XXXX, my {$500.00} was gone! My paycheck, my livelihood, was gone!

I called KeyBank and was told a restriction was placed on my account, so my {$500.00} was being held due to negative banking history. Unless this is a tactic to not give me the {$200.00} promotion???? 

I asked to speak to someone in the fraud department and was denied that request and was told by customer service that theyre not allowed to speak to me and that I had to visit my branch. 

What negative banking history could I have had, when it was KeyBank who closed the accounts on me and held my funds and made me jump through hoops to get them back? I barely had a week to use those accounts before they were closed on me! So how could I have done anything wrong???? 

I want my {$500.00} and the combined {$20.00} in my checking and savings account returned to me immediately! This isnt the time to be stealing money from clients. I could have gone to XXXX  but because the municipality I work for recommended KeyBank, thats why I went to them! 

Now Ive had 3 bad experiences with KeyBank! 

I want this matter resolved ASAP! I have no issues publicly voicing my experiences with KeyBank to prevent this from occurring to anyone else!
Product: Debt collection

I have been working with a fiancial advisor to clean my credit I sent out a letter to receive validation of a debt on XX/XX/19 to Caine Weiner XXXX XXXX XXXX XXXX XXXX  CA XXXX via certified mail. i know that they received it. Over 30 days passed by and I never heard backf rom them at that point i sent letters to all 3 bureaus to notify that by law they never validated this credit that I owed. And I needed this removed of my file. I sent those letters out XX/XX/19 and have only received a response back from transunion to which I was told they will not remove the debt, I still have yet to hear back from the other two. By law a creditor MUST validate my debt if i ask, they have 30 days to do this, they never did. And BY LAW the  agencies should remove this debt. 

I contacted them after on XX/XX/19 to then see if i atleast can make a deal to pay it off at a lower cost even though i feel I should not owe this, They denied me of that and told me no the amount of the debt was to small to do a payoff. I tried all avenues to recitfy this and I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

Have indicated to the company that i have no debts and that they need to stop contacting me. They have been calling me every day
Product: Debt collection

Received a notice from Midland Credit Management that a credit card was opened in y name with XXXX XXXX XXXX  and numerous items were charged at XXXX. There is a current balance of {$13.00}, XXXX, none of which is mine.
Product: Mortgage

Hello, My mortgage company, Mr. Cooper Mortgage, moved me to a lender forced homeowners insurance policy XXXX XXXX XXXX XXXX ) in XXXX of 2017. I first discovered this a few weeks ago when Mr. Cooper had sold my mortgage to XXXX XXXX. When reviewing my new bill from XXXX XXXX, I noticed that my escrow account had a shortage of {$2700.00}, and my monthly mortgage payment had gone up by {$390.00}. Six months had gone by without me knowing that I was placed in a lender forced homeowners insurance. 

I contacted my insurance agent at XXXX XXXX and he said nor him or his company had ever received any communication regarding insurance verification from Mr. Cooper Mortgage. XXXX ( my insurance agent ) and I called Mr. Cooper Mortgage company together and a representative from their hazard insurance center stated they made two attempts to call XXXX XXXX to obtain a declaration page and verify my homeowners insurance. Those attempts were apparently made on XX/XX/XXXX and XX/XX/2017. However, XXXX and XXXX XXXX made it very clear that no communication from Mr. Cooper, written or verbal, was ever received. The Mr. Cooper Mortgage rep then stated on a recorded line : We have documentation in our system that states the calls were disconnected. We asked for documentation of the two attempted phone calls and Mr. Cooper Mortgage was not willing to provide it. We also asked if the calls were disconnected, why didnt you try calling back? The rep did not have an answer for us. XXXX further added that nor him or his company would ever verify someones insurance over the phone, that it always has to be done in writing for documentation purposes. And because Mr. Cooper stopped paying my XXXX insurance policy, XXXX dropped my coverage. So unfortunately I cant provide proof of insurance since there was a laps in my coverage. 

The Mr. Cooper Mortgage rep also stated that a letter was sent to my home to notify me of this change in insurance which I NEVER received. The lender forced insurance they provided me was {$2700.00} annual, which was almost 4 times the amount I was paying for my previous policy through XXXX XXXX. This is price gouging, bad business and Mr. Cooper Mortgage clearly has an interest in moving their customers to their lender forced insurance partner. And both companies happen to be located in XXXX, GA. 

Mr. Cooper Mortgage made little to no effort to verify my insurance or notify me of my laps in coverage. They are intentional with their poor insurance verification process and are taking advantage of their customers. Now I am stuck with a massive mortgage payment and 6 months of lender forced homeowners insurance that I never authorized or knew about in the first place. I am not an insurance expert, but I know that I am not at fault here. I feel very taken advantage of and wish to file this complaint against Mr. Cooper Mortgage regarding their manipulative business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account COMENITYBANK/ XXXX is reporting late ( XXXX and XX/XX/2020 ) as reported in my 3 Credit Bureaus XXXX Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Consumer Loan

My significant other passed away. Before he passed, we took out a loan with Mariner Finance. Since his passing, this loan along with others have fallen behind. I have taken on all bills and have finally hit a wall not being able to pay my rent at all as well as these bills ontime. However, with the other places I have told of my situation and thwy put me on a hardship plan to help become current again. Mariner Finance threatened me with court attorney fees up to {$1000.00} and garnishment of my bank account if I do n't become current by the XXXX of XXXX. I told them that I will do my best to pay towards what I owe but I have n't paid rent yet because of my hardship. Which I am trying to fix before this month 's end. The fact that thwy will not work with me to get current is very upsetting. I am behind {$280.00} with Mariner Finance. They say that by the XXXX I will become sued for court costs attorney costs as well as garnishment which will put me in a perfect poverish state of being. I have a XXXX XXXX XXXX daughter and can not be put out on the street because of added on court fees. Everything is being paid I just need a plan with them to catch up. I 'm fighting my way back ... with everyone but I need a give qith this company