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

The Following Financial Institutions have violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a XXXX party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent.

Navy Federal who is my banking institution : disclosed/reported XXXX XXXX transactions since XXXX, my complete social security number, drivers license number, full bank account numbers for both of my accounts, and return transactions. 

XXXX XXXX  XXXX North Carolina ( I have NEVER had an account with this institution ) : disclosed/reported XXXX XXXX  transactions on XXXX XXXX report. 

XXXX XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX XXXX transactions on XXXX XXXX report. 

XXXX XXXX XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX XXXX transactions XXXX XXXX XXXX report. 

XXXX XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX ACH transactions on XXXX XXXX report. 

XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX transactions on XXXX XXXX report. 

XXXX XXXX : Has also violated my privacy rights. By their own admission in their report, they allowed the report to be accessed ( inquiries ) XXXX times in the last 36 months by other institutions who I have no financial obligations and certain did not and would not allow these institutions access to my entire financial history and personal identifying information. 

This is a violation of my privacy rights under The Privacy Act of XXXX which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681.

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed without my consent by a Governmental agency when then Government Authority seeking has given notice in writing. 

XXXX Financial institutions may not disclose, exception : XXXX as outlined above. 
XXXX Customer authorization required. 
XXXX Transfer of records to additional agency allowed when XXXX notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry. 

I did not consent to sharing my financial history or personal identifying information with any XXXX parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX ) whom I trusted. I also have an account with another XXXX XXXX that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.
Product: Debt collection

I have a charge off from Synchrony Bank XXXX XXXX XXXX XXXX XXXX in the amount of {$1700.00}. This account was sold, to my knowledge, to XXXX XXXX collection agency as far back as XXXX 2019. I am in the process of paying this debt in full with XXXX. At the present time Synchrony is still reporting on my credit report that I owe them after sending numerous certified letters.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - Spoke to XXXX because I needed to disputed XXXX XXXX XXXX and add my statement proving that I paid XX/XX/XXXX and the bank held funds. 
XXXX XXXX XXXX  XXXX had to escalate a ticket to IT. They have blocked my online access after identity was provided and uploaded with XXXX. # XXXX I provided my social security, drivers license, Bankcard state and birth certificate.
Product: Checking or savings account

In XXXX, I took counsel from Lexington Law firm with a set amount to pay a month. They kept taking payments multiple times causing me to fall behind with everyone I owe. Results was homelessness and a painful rebuild!
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX 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: Debt collection

I received a payday loan from XXXX in XXXX. I was under the impression that they took the funds from account. However early in the year of XXXX my mom was contacted stating that a company had a warrant out for my arrest if I did not contact them. So I contacted the company handling the situation for XXXX XXXX. I told them I never performed any fraud and that XXXX had their money. They explained that they did n't and thatvi needed to pay ASAP. I informed them of the amount that I was able. The company stated that was not acceptable. I did pay them XXXX $ towards the debt. But they contacted all my references that I used and them that I performed fraudalant activities and was facing jail time. They call my phone at least XXXX to 30 times each day back to back. This almost cost me to lose my job.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

This is a deprivation of my rights and a violation of my privacy, as well.

This is a violation of 15 U.S. Code1681g ( a ) ( 5 ), 15 U.S. Code 1681b ( 2 ), and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit inquiries listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The reporting of the Account listed as : XXXX XXXX on my Experian and XXXX Credit report has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported. 

The information in this account are not only constitutes " non public in personal information '' and they have been reported INACCURATELY. Multiple details including the balance amount as well as the date of the account openings are reported differently on the Experian report and the XXXX report. XXXX does not even have a record of this account existing at all. 

The reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. 

The reporting of this information without my expressed written consent constitutes a violation of 15 U.S.C 1681 section 602.

I also never received any communications or disclosures informing me of by ability to opt out of these reports. 15 U.S.C. 6802 B states that reporting company is required to send me the aforementioned communications ; The lack thereof constitutes a violation of the FCRA.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigation in an investigative report as required by 15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation.
Product: Credit card or prepaid card

I have always made my payment on time each month and in XX/XX/2021 I paid my card off in full. My limit on the card was {$600.00} and then in XXXX my limit was decreased to {$300.00}. I noticed this in XXXX and called Target to ask why they had decreased my limit. They could give me no explanation and wanted to do another hard pull on my credit to try and raise the card limit back to what I was originally approved for. All of my other credit cards are also in good standing and I make all my payments on time. I do not understand why Target lowered my limit when I have been a good customer. This obviously makes me want to do business elsewhere and I am contemplating closing this account.
Product: Mortgage

On XX/XX/XXXX I applied for two home refinance loans on my primary residence and a property I own in Florida with Freedom Mortgage Company. They ran a credit inquiry on that day to see what type of interest rates I qualified for. I proceeded forward with them and gave them permission to run that credit inquiry. The problem is I received another credit inquiry alert ( I have identity theft protection because I was employee by the federal government and now I support them ) on XX/XX/XXXX. Freedom Mortgage says they ran another credit inquiry on XX/XX/XXXX but I did not give them permission to run. I have been working with them since XX/XX/XXXX in which I got the alert and they still have not gotten back to me why they ran another credit inquiry. I have multiple emails and have escalated this to the management with no avail. I have told them that this affects me due to my security clearance and they just keep telling me that due to my high credit score it should not affect me. This is not the point, I did not give them permission to run the second inquiry and I have asked them to remove this from the 3 credit bureaus. I have still gotten no response and it is going over a month and a half now. I am not sure what else to do.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, TransUnion and XXXX during the months of XXXX, XXXX and XXXX in 2023. They made it increasingly difficult for me to manage my credit report and file. I was seeking to dispute inaccurate items on my report that I noticed. They informed me that my file has to be reviewed by a fraud agent, and when I asked for an explanation, I was not given a sufficient answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX,
Product: Mortgage

On XXXX/XXXX/2017 I made a payment on my FHA loan that reduced my principle balance to below the 78 % of purchase price that should have triggered automatic removal of PMI from the account. During this time period our loan was in the process of being transferred from XXXX XXXX to LoanCare LLC. I spoke with customer service from both institutions around that time and they confirmed that PMI should automatically be removed from my account. 3 months have passed and I have again reached out to LoanCare LLC and they still have not removed the approximately {$85.00} they are charging me every month for PMI. They are insisting that I have to send them a request in writing to remove PMI which is in violation of HUD/FHA policy. Between 78 % and 80 % you have to request removal in writing. Below 78 % should be removed automatically. I am also under contract to sell the house which puts a tight time frame on fixing the error.
To compound the problem their website at the same time says I do not have PMI and yet I see the {$85.00} coming out each month. LoanCare LLC customer service reps continue to confirm they are charging for PMI and despite talking with their managers a few times they will not give me a straight forward answer or even send me an email stating they are review the issue. Because the website states we do not have PMI we ca n't even fill out the form necessary to request the removal of PMI, which at times the company says we are required to fill out to remove PMI, even though we are below 78 %. We have spoken to customer care members XXXX ( ID XXXX ) and XXXX ( ID XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I paid the balance of my XXXX XXXX  card off and requested to have the account closed on XX/XX/2023. I received an email from XXXX indicating the account was closed on the date listed above. However, the following month, I received an email indicating I still owed on this account as well as the preceding. It has been noted on my credit report with Equifax that the account is behind in payments and has adversely affected my score. I am looking to work again, and this is having an impact on my ability to clear my record.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX
Product: Credit card

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, yet they are being reported as such.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for the defamation of character ). XXXX XXXX {$4400.00}, XXXX balance {$430.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX a transaction was declined. I checked online banking and saw 3 wire transactions were done and we went to the bank and called customer service. We were issued new debit cards and told nothing could be done until the pending wires were posted to the account. I worked the next 2 days XXXX, and on XX/XX/XXXX my husband and I went back to the bank and filed a dispute. I have called everyday and not getting our funds back and the bank is making it seem like we did something wrong and might not see the funds again. Unacceptable!
Product: Prepaid card

XXXX XXXX, called Amex to get info on why I can't use the card which is for the amount of XXXX dollars, they directed me to the Amex site to make my purchases then declined those purchases. Everywhere I try to use the card Amex declined the purchase not the vendors. So I feel as though Amex has taken my money and I get nothing in return
Product: Checking or savings account

Hi I made an account with citizens bank on XX/XX/XXXX. I deposited XXXX checks in the amount of {$10000.00}, {$4200.00}, {$9000.00} & {$10000.00}. Also we received a wire of {$310000.00}. XXXX of checks bounced for {$10000.00} which XXXX able to provide a replacement check. They had a hold on my account till XX/XX/XXXX which got extended to XX/XX/XXXX. I called the bank multiple times for an update but no answer when my account will be active. I need my funds released ASAP because i have a closing coming soon for a property.
Product: Mortgage

A few years ago I refinanced my home to obtain a lower mortgage payment/rate. At closing I was promised a lower rate, which I signed to. After closing I received documents differ from the ones I signed at closing. 15.99 percent rate is unfair and inhumane. Subsequently I panicked and contacted the lender XXXX XXXX aka Franklin Credit, to remedy the situation. When nothing was done, I optioned to short sale my property. XXXX refused to accept a short sale. Instead demanded my keys. The housing market continued to declined, things got worst before they got better. XXXX XXXX ballooned/shuffled my mortgage and continues to do so. In addition, refused to work with me. They stop at nothing to take my property. I have been harassed multiple times. The banks and servicers come to my property to paste stickers on my gate, which states my property is vacant. Additionally, each time I try to increase my income by renting to tenants, the bank comes on the property to tell my tenants not to pay me. Not before long tenants overstay their leases, destroys my property, and do what they were instructed to do by the servicers and banks. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, attorney XXXX & XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX , all of them works as a team, and insists they 'll not work with me, due to the fact I need to be earning XXXX monthly, in order for them to leave me in my home. There is currently a sale date on my property. Currently I am partially XXXX, XXXX XXXX XXXX, with an XXXX XXXX  XXXX. I have nowhere to turn to. Nowhere to go if I am placed on the streets. I encouraged everyone to be careful, with mortgage companies. From the get go, they knew their initial intention, were to confiscate my property. In addition, they will prevent you from keeping your property, by ballooning your loan, shuffling your mortgage, subsequently telling you, it 's impossible to stay in your home, because you do not make XXXX XXXX dollars monthly. I have received many conflicting correspondence from the bank and all those involved. When I called the foreclosure department at the court, I am told it 's XXXX XXXX who is foreclosing on my home. However, a few weeks ago I was sent papers stating it 's XXXX XXXX XXXX XXXX that 's my bank. Please take a look of XXXX and see how many people have lost their homes, because of the same loan they were given as mine, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2023 With reference to section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible EXPERIAN I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., EXPERIAN ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have not had relationships with and are all unauthorized an have no Permissible use and are all unauthorized an have no Permissible use.

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate