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

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act, The list of Accounts below has violated My FEDERALLY PROTECTED CONSUMER RIGHTS!!!, To PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

XXXX XXXX  Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Has violated my rights 15 USC 1681 section 602a, States I have the right to privacy 15 USC 1681 Section 604 A, Section XXXXIt also states a Consumer reporting Agency Can not Furnish A account without my written Consent or Instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 sXXXX ( a ) ( XXXX ) 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: Credit card or prepaid card

i have a synchrony bank credit card on XXXX. onXX/XX/2018, i went online to pay my monthly bill as i have done ever since i had this account. i checked the box for minimum payment due of {$38.00}. and found out on tuesday XX/XX/2018, that somehow the website errored and put my payment as total balance due of {$1100.00}. by this error occuring they wiped out my entire checking account. i incurred 5 overdraft fees of {$36.00} each, my car payment was returned, my gas bill was returned, my cable bill and another one. i contacted XXXX immediately and was advised to contact synchrony bank, which i did. i demanded they reverse the {$1100.00} charge immediately and was told " unfortunately due to security reasons " they can't do that. they also told me they refused to pay the overdraft fees unless i had my bank fax them " proof ''. i had to go to my bank and get copies of this and faxed it to them. i was told it would take 5 days to send me a check for the {$1100.00} and they would 'try '' to expedite it. i am on social security and this huge error on their part has left me without funds. and incurring late charges now on the bills that the bank returned for insufficient funds.
Product: Mortgage

The seller agents forced me to go with their preferred lender. My preferred lender could n't so this loan as this is a non-gut condo and referred me to XXXX who are portfolio lender. The seller preferred lender is Penny mac and the loan originator pressured me to only go with them. The penny mac originator told me that they have a special deal with XXXX and only then can do the loan for this Condo. How can XXXX encourage monopoly in consumer finance market? The originator from XXXX tried his best but could n't do the loan as he was either not given or given incomplete incorrect documentation from the seller agents. Finally the seller agent told me that if i go with penny mac then i do n't need to pay any fine even though i was past the due date but the same option will not be given for my preferred lender. In the end even though my preferred lender gave me a 3.75 apr i am forced to go with penny mac for 5 % apr.
Product: Debt collection

I finally spoke to a very rude, unprofessional person from what she says to be XXXX XXXX, collecting for XXXX XXXX. This company has called my cell phone, my mothers cell phone and my husbands cell phone, all of which messages were left. Today she also threatened to sue my son and two other people who she claims are related to me that I have never heard of and told me to 'drop my attitude '. They claim a debt from XX/XX/XXXXunder my previous married name that I have not had used since XX/XX/XXXX, so it 's actually impossible to have incurred a debt under that name in XX/XX/XXXX. They call continuously, and as of today, I will be recording these calls. They have also repeatedly threatened to contact my employer and to serve them as well. The return number that they leave is XXXX. When I call that number I also get a rude female who said 'are you XXXX me ' then 'goodbye ' and hung up. Today the call came from XXXX which does not accept calls. Two days ago it came from XXXX which is not in service, I continue to block, and the calls keep coming from different local exchanges. I 'm sure I have them all in my phone, but would have to search every incoming call to figure out which ones are them. As of now, I will start keeping a log of each call and number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY INFORMATION TO TAKE OUT A CAR LOAN IN MY NAME AND IT APPEARS FRAUDULENT ON MY CREDIT REPORT AND ITS PREVENTING ME FROM RECEIVING CREDIT. I CONTACTED THE COMPANY FOR REMOVAL OF FRAUDULENT ACCOUNT AND THEY REFUSE TO REMOVE THE ACCOUNT EVEN AFTER PROVIDING A FTC IDENTITY THEFT REPORT AND ALL DOCUMENTS NEEDED FOR ACCOUNT TO BE BLOCKED OR REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

This is my 3rd attemt to update my personal information on my credit report. 
To Whom It May Concern : This is my second time 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 : XXXX XXXX XXXX XXXX, XXXX, XXXX 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. 
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXXXXXX XXXX and U.S. Department of Education yet they are not removing this fraudulent account. XXXX XXXX, XXXXXXXX XXXX and U.S. Department of Education have no right to refuse to remove this fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX and U.S. Department of Education have refused to do this. The followings are the fraudulent accounts : XXXX XXXXXXXX / XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, U.S. Department of EducationXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$780.00} and U.S. Department of EducationXXXX XXXX Date opened XX/XX/2020 Balance {$460.00} that were opened at an address where I have never lived at and it has nothing to do with me.
Product: Money transfer, virtual currency, or money service

Cashapp transaction was sent in error to wrong person, no refund option provided
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car loan open at XXXX XXXX XXXX, on XX/XX/2022, under the account # XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My husband and I applied for a mortgage refinance with Quicken Loans in order to remove the private mortgage insurance from our current mortgage. I was upfront with them from the beginning regarding the change in our tax rates and that a county/city tax bill was due to be paid from the escrow very soon, possibly before the day of closing. I asked them to be sure they had the most recent tax values prior to closing and they assured me the settlement company would research that for me. I found the bills posted on the county and city websites so assumed the settlement company would have no problem getting the information from the treasurer 's office directly. The day Quicken called to schedule the closing I noticed they had included the city taxes that had been paid by our current mortgage company a month earlier. I supplied a receipt and they rescheduled they called back a day later to reschedule the closing claiming they had verified the payment. My husband and I reviewed the tax numbers and saw they were in fact higher than the year before as expected so we felt Quicken had done their due diligence and gotten the updated tax bills so we signed the closing documents. Two days later Quicken called and said a special assessment had posted to our account and the taxes were going to be higher and in order to finish the closing Quicken needed an additional {$1100.00}. They claimed the documents had just posted to the county/city tax website, when in fact the documents had been there since XXXX 2014. We still were within the window to cancel the loan under the right to cancel clause, but Quicken said we forfeited our {$500.00} good faith deposit. I would like our {$500.00} return and an investigation into their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I claimed chapter XXXX bankruptcy in XXXX of 2014 and has been discharged already, and still says open on credit report. Also XXXX credit report shouldnt it fall off after 5 years for a chapter XXXX?
Product: Mortgage

forclosure pushed. for about a year, was doing modification re ; loan ( # XXXX / XXXX ) There are XXXX. Modification wanted for the large loan and they were supposed to modify it since the small loan is current. THey took more than a year requesting documents over and over, making it difficult, very diffiuclt. Then they started pushing for foreclosure when it should and could have been avoided. They refused payment. I do n't want to be involved in corruption, so I wrote them letters, about it. Loan numbers / accounts appear to have issues re ; OCWEN switched the modification request to a loan with them that did not need modification. I have about XXXX pages of modification application information re ; the numbers being switched around. The one that need modification is the large amount.
Product: Credit card or prepaid card

On XX/XX/2022, I spoke with the Fraud Department of Bank of America who confirmed that a someone had used my name to apply for a credit card. Bank of America had approved the card ending in number XXXX. 

I then spoke with XXXX from the credit application department who assured me the credit card had been cancelled. Case # XXXX. 

Note : I spent more than 5 hours on hold dealing with the above departments. 

On XX/XX/2022, I received a letter stating that I've been approved for a Bank of America credit card ending in XXXX and should be receiving the card within two weeks. The letter said to " please call us 24/7 at XXXX '' if you have any questions. When I tried I got a message stating to call back when they are open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Reporting Agency XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1994 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open  these accounts. Someone else of who did these that I did not know. 

1. XXXX XXXX {$530.00} 2. XXXX/XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX   XXXX XXXX  ) {$980.00} 4. XXXX XXXX XXXX  {$15000.00}
Product: Debt collection

My husband XXXX XXXX XXXX passed away on XX/XX/2016. We were separated at the time for XXXX years and he resided at XXXX XXXX XXXX, XXXX XXXX Maryland at the time of his death. I received his letter from the Collection Agency in  care of XXXX XXXX XXXX, The XXXX XXXX stating they wanted to make a settlement of his debt. Since we had been married for XXXX   years, separated for XXXX years, all of our debt had been in each of our own names, other than our home, which we did a deed in lieu of foreclosure. I did not know which debts my husband had, never signed my name on any of them, and have never been responsible for paying any of them. The same goes for me. I have my own debt, including my own XXXX XXXX card. Now, these people want me to pay for his debt. This is totally unfair on several accounts, I never signed my name on any of his bills, never used any of his credit, didn't know what credit he even had. My credit has always been important to me, and now while trying to keep my own credit cleaned, his bills are now coming in for me to pay, and are being placed on my credit report and they are using my address. I have sent letters to 3 of them, informed all of the banks, and now after 2 years, they are trying to collect from me. XXXX was the primary bread owner while we married, even then, we were responsible for our own debt. In addition, my deceased husband, never lived with me at my current address, nor I at his current address.
Product: Debt collection

Contacted this agency to resolve a debt that i had with XXXX XXXX, I had called in to get an acct number and an address to where to send the payment, she wanted to know my whole history as to why i did not pay, when i will pay? I told her i just needed the acct number and address to send payments to for now, and that the reason i called. She just continued to ask, how much are you going to send and why were you not able to pay, and I kept telling here, i only need the address and acct number, she finally got to giving me that info but rudely just blurted the acct number and address so fast, assuming I am a speed writer, to which i told her that i wanted to speak to her manager .XXXX the manger who i should say was trying to be professional but was on some power trip trying to prove him self right by saying his rep was ok in how her dimenour was in bluurting out the acct and address, further telling me that his agent assumed that i was a speed writer. These agency 's really need to be held to a high standard, in life tings happen, people lose jobs etc and agency 's like this really look down on people, is my perspective. XXXX did say he was going to get with their compliance team within the organization but we all know where that is going ..
Product: Debt collection

On XX/XX/year> I checked my credit report and saw a collection account I do not recognize and that is being inaccurately reported on my account. 

The account being reported is in the amount of {$170.00} from Amsher Collection Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a hard inquiry was added to my XXXX credit report. This inquiry came from Bank of America this was done without my permission I immediately called Bank of America and I have yet to hear back from them or receive a letter from them regarding this matter. Bank of America wasnt authorized to pull my credit when I called on XX/XX/XXXX I was told that they found a application I told them that it wasnt mines I hadnt applied for anything as a matter of fact I had just paid my BofA credit card off. I was told I would receive a call and a letter well I havent and this hard inquiry remains on my credit report almost a month later. This hard inquiry lowered my credit score
Product: Checking or savings account

I have banked with USAA bank for 8 years and recently held a payroll check that I deposited into the account with no explanation. it didn't violate any deposit limits my account was in the positive, but they held the money for a few days for no explanation. during the next pay cycle my account dipped into the negative, I then received my pay which covered the negative balance and had the rest of my pay to get me to my next payday. USAA decided to hold my entire balance for not only the amount the was negative but the entire balance of my entire check which isn't available for 7 days. This has caused numerous issues without being able to access my money unable to put gas in my car to get to work or pay my bills which only hurts me as the consumer more than I already am. I have called USAA and they have not given a reason for holding my account just that they can try to file an appeal to get my money released sooner. I didn't get a yes or no answer just they would ask. I now have no access to any of my money to pay bills or anything and don't have access to my own payroll check until a week after it was deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are in violation of reporting credit card balances and credit cards payments when 15 U.S. Code 1681 says that it should be excluded.

report containing information solely as to transactions or experiences between the consumer and the person making the report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or