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

On XX/XX/year>, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. They replied, saying, We do not report any bankruptcies to anybody. If thats true, how did the credit bureaus claim my bankruptcy is 100 % accurate? They didnt follow the law and didnt do a proper investigation, as required by **15 U.S.C. 1681**.

How They Broke the Law : 1. **No Proper Investigation** Under **15 U.S.C. 1681 Section 603 ( 3 ) ( E ) **, an investigation is supposed to include checking with people who know me or have information about me. They cant just rely on other creditors or reporting agencies. The credit bureaus didnt do this.

2. **Right to Privacy** According to **15 U.S.C. 1681 Section 602 ( a ) **, I have the right to privacy. The credit bureaus ignored this right.

3. **No Permission Given** Under **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) **, theyre not allowed to share my information without my written permission. I never gave them permission.

4. **False Information Reported** **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** says that no one is allowed to report wrong information if they know its not accurate or have a reason to doubt it. My bankruptcy wasnt verified properly, so they broke this law too.

The credit bureaus didnt follow the rules and violated my rights. They didnt check the facts, and their mistakes caused harm to me.
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Debt collection

I do not have any wet ink signatures and no contract with Portfolio recovery associates , LLC. I do not owe them any " debt ''. 
I called on XX/XX/2023 and asked for a contact name to send certified mail to their company. I was told that unless I disclose exactly WHAT this correspondence is, they refuse to give me any names of any individual to send mail to. This is confidential information to be sent certified mail, yet they are requesting that I disclose this information on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Capital one /Saks store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from XXXX XXXX and was affecting my credit score for example XXXX XXXX XXXX and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that XXXX XXXX would not do it due to the length of time. I then called XXXX XXXX they told me that they had no such request logged on there system and was told by XXXX XXXX  that if the card was in good standing they would report the information correctly. So i can only assume that Capital one /Saks are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security XXXX XXXX Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXXXXXX XXXX XXXX  on XXXX, XXXX, XXXX under the account XXXX, a loan at XXXX XXXX XXXX XXXX, on XXXX XXXX, XXXX, under the account XXXX, auto loan open at XXXXXXXX XXXX on XX/XX/XXXX, a mortgage loan open at XXXX XXXX open on XX/XX/XXXX under account XXXX. A loan at XXXX XXXX on XX/XX/XXXX under account number XXXX, a loan at XXXX XXXX on XXXX XXXX. XXXX under account number XXXX and, Collection under XXXXXXXX XXXX on XXXX XXXX, XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US 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

I made a timely appeal request and no written determination has been issued to date. This means, as a matter of law, until a written determination of an appeal is issued to the borrower, the modification process that began in XXXX can not be considered concluded. Therefore, Bank of America is required, as a matter of law, to keep a single point of contact ( XXXX ) assigned to this home loan account as I am still considered active in the modification process. 

On XX/XX/XXXX Bank of America is not following XXXX and other guidelines when it comes to incorrectly denying a borrower a HAMP and, instead, is trying to force me to restart the modification process rather than agree to settle for their misconduct throughout the modification process. 

I have repeatedly informed Bank of America I will not restart the modification process that I began in XX/XX/XXXX for which they have confirmed multiple times. Yet, Bank of America continues to harass me on this point. 

Bank of America has no standing to commence any separation processes or procedures such as foreclosure, but refuse to settle for their wrong doing. 

In the mean time, Bank of America is reporting to credit collecting agencies default on my mortgage loan while at the same time not taking any action to resolve the matter whatsoever other than harassing and threatening me time and again. 

Bank of America also keep on deleting and altering documents from the Online Borrower Portal. This is wrong on so many levels including their duty to preserve evidence and protect my personal and financial information. There is no excuse to be had on this point. 

Simply put, it has not cost Bank of Almeria any penalty they are not willing to pay when caught in the act of their wrong doing when it comes to the modification process.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

U. S. BANK HAS FAILED ME! AS A RESULT CAUSED MANY PROBLEMS, O/D FEES ETC. 
IN XX/XX/XXXX CALLED TO DISPUTE THE FOLLOWING UNAUTHORIZED TRANSACTIONS : ACCOUNT # XXXXXX/XX/2015 UNAUTHORIZED DEBIT PURCHASE : XXXX XXXX IN THE AMOUNT OF {$890.00}. 
XX/XX/2015 : XXXX XXXX XXXX IN THE AMOUNT OF $ XXXXPLEASE REVERSE AND CREDIT MY SAVING ACCOUNT # XXXX IN THE AMOUNT OF {$1300.00} ( SEE ATTACHED DOCUMENTATIO ) THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did use XXXX to see my credit report from Experian. As of XX/XX/2020, there are 3 inquiries that are not from my action as followed, XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX I suspect of identity theft from these inquiries and need to fix these discrepancies.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; 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. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : This account, I result of identity, theft, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was never later and this a loan that was obtained as a business loan, not from my personal credit XXXX XXXX, showing LATE PAYMENT which thats not accurate
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency Is unacceptable And raise a serious concerns about consumer safety
Product: Mortgage

TCF Bank has recently overhauled their servicing infrastructure which includes how a customer makes payments. During this process the customer is forced to re-enroll in their website and set up their payments again. I was able to successfully able to re-enroll with their system and set up automatic payments. However, when the date of payment I selected arrived ( 9 days before due ), no payment went through. Assuming that this would instead go through on the payment date, I waited to see when that would happen. ( On a side note, a customer must enroll into two different systems, one to see balance and statement details for your account AND another to merely make a payment ) The payment did not go on the due date and therefore I made a manual payment that day. Additionally, I made an extra payment XXXX {$30000.00} XXXX a day later, but neither of those payments went through and were subsequently reversed days later. I received no notification of the reversal, I only noticed when the payment was not taken out of my checking account ( thankfully not TCF Bank ). 

I have made several attempts to contact TCF Bank, but was disconnected after 2.5 hours each time. Apparently their system does not allow a customer to hold longer than that. 

Finally, I have made multiple attempts to contact them via their " Secure Message ''  and through regular email, with no semblance of a resolution from either mechanism. Logging into their website also appears problematic now ...
Product: Student loan

Around XXXX I had an initial conversation with a representative of the Financial Aid office at the XXXX college in XXXX which CLOSED down a year after. 

During that almost four-hour conversation, I emphasized that I MIGHT be willing to cosign to support my daughters costs of attendance if she needed my help. The lady informed me that because my daughter was XXXX, she could enter into the loan independently and that she was guaranteed to be placed in suitable employment upon graduation, and that would enable her to repay the loan proceeds herself. And the loan would not be due to her until at least 5 yrs upon graduation. The school closed and my daughter was never given a job and now her degree is useless because there are no XXXX school left in USA. 

The financial person requested my personal information to run a credit check for eligibility " just in case '' my daughter needed a cosigner for the loan. She did not inform me that providing this information meant that I was granting permission to be listed as a co-borrower and for the loan to be generated using my personal credit profile. 

The result : there were XXXX loans generated on both my daughter and myself. My daughter has a loan for about XXXX. The Loan was granted ( me ) was done for almost XXXX WITHOUT my signature and I have paid back I believe close to XXXX because I was scared if I did n't pay my credit would be affected! 

I created an account and finally was able to contact customer service representatives in the XXXX XXXX and XXXX. They informed me that I had a loan that was due and payable immediately. I was told that if I did not make immediate payment arrangements, the loan would go into default and it would negatively impact my consumer credit rating. I felt explicitly threatened and intimidated and since I could not find anyone at the XXXX XXXX loan agency to contact stateside to contest what was a fraudulently made loan, I assented and agreed to make payments. 

I called every month to protest these payments, demanding other agency contacts that I could reach to rectify this gross injustice and fraud. No such information was ever provided and I continued to pay until I placed the loan in deferment for the past 5 years while I continue to fight and find answers. As of XXXX XXXX, I have paid more than {$20000.00} total, and there is still and outstanding balance of over {$40000.00} due on this loan I did n't not take out. Further, my daughter was also made a loan that is also in deferment with a XXXX balance due as of XXXX XXXX. And XXXX now Navient keeps telling me to defer the loan. I am trying my best to have someone assist me with this fraud - I have papers with NO signature of mine on this loan ; my name is TYPED by Navient.
Product: Debt collection

My XXXX XXXX XXXX account was levied on XXXX/XXXX/16 due to a collection over 9 years ago and I was never served to appear in court. I filed for Chapter XXXX bankruptcy on XXXX/XXXX/16, my account remains frozen and my family 's livelihood is in a critical state with no money. Additionally, on XXXX/XXXX/16 my XXXX XXXX account which is joint with my wife has also been levied. I have already filed for bankruptcy XXXX to repay my debts, unfortunately the attorney XXXX XXXX will not release my funds evern after filing for bankruptcy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act under 15 USC 1692 ( G ) I am demanding that my rights be enforced by requesting that these companies provide me and the CFPB for a " Debt Validation Claim '' 1.XXXX  Cred Acct # XXXX 2.XXXX  Acct # XXXX 3 ; XXXX XXXX  Acct # XXXX 4. XXXX XXXX  Acct # XXXX A. Please provide me the original signature that i agreed to on this contract for this creditor. 
B. Please send me a full detailed list of the payment history of these account. 
C. Has there been any Insurance claims filed on this debt ( Please provide ) D. Please provide me the chain of title that you have to collect on this debt.
Product: Credit card or prepaid card

I am a victim of identity fraud since 2017. Bank of America has charged my credit and debit card for charges not made by me. There are late charges added and it is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, Kohls Store reported late payment and bill was paid off. 

I need Kohls to remove late payment from my credit report.
Product: Mortgage

Over 10 years ago my wife and I obtained a mortgage for our first house. Sun Trust administers our mortgage. We have a first and second mortgage. The first mortgage is 7.75 % and the second mortgage is 9 %. We have repeatedly over the years attempted to refinance this mortgage, but Sun Trust has stonewalled and frustrated the process at every turn. Even when we go to our local Sun Trust branch the teller and local reps always ask have we considered refinance. Our response is yes we have. The response is yes only to later hear that some policy at corporate prevents the refined. In 10 plus years we have never been late with a payment. We are seeking assistance in getting Sun Trust to work with its customers in getting a more reasonable and fair interest rate. My wife and I welcome your assistance. Sincerely XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered inaccurate bankruptcy information that has been reported under my file. I have never filed for bankruptcy, and this information does not belong to me. 

To verify my claim, I obtained official court documentation confirming that there are no bankruptcy records associated with my name. Additionally, I reviewed my credit reports from XXXX and XXXX, and neither of these bureaus is reporting this bankruptcy information. This further supports that the bankruptcy reporting on my Experian file is incorrect and must be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. By continuing to report this inaccurate bankruptcy despite my court-provided evidence, Experian is in violation of its legal obligation to maintain accurate credit files. 

Furthermore, under FCRA Section 613 ( a ) [ 15 U.S.C. 1681k ], if Experian is reporting public record information such as bankruptcies, it must either : Notify me at the time the information is being reported to third parties, OR Ensure that the information is complete and up to date with strict verification procedures. 
Since this bankruptcy was placed on my report without proper verification and without notifying me, Experian is in violation of FCRA Section 613 ( a ). 

I am formally demanding that Experian immediately delete this inaccurate bankruptcy record from my credit file in compliance with FCRA regulations. I have enclosed copies of the following documents to support my dispute : Official court records confirming no bankruptcy is associated with my name Credit reports from XXXX and XXXX showing no bankruptcy reporting XXXX report, which does not reflect any bankruptcy records under my name Please investigate this matter immediately and provide me with written confirmation that this bankruptcy has been permanently removed from my credit report. If Experian fails to remove this inaccurate information, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore my legal options under the FCRA. 

I expect a response within 30 days, as required under FCRA Section 611 ( a ) [ 15 U.S.C. 1681i ].
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated several federal statutes within the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain the following : 1. information solely as to transactions or experiences between the consumer and the person making the report 2. any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Therefore, my credit card accounts that show balances are a violation of the FCRA and must be removed immediately. 

These account should not show the amount of credit I have been extended or approved for. 

The following account balances shall be removed immediately : 1. XXXX XXXX BANK XXXX 2 . XXXX XXXX BANK XXXX XXXX 3. XXXX XXXX BANK XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX BANK
Product: Checking or savings account

Dear Representatives of the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Citibank due to a lack of transparency, abuse in managing my personal account, and the arbitrary withholding of my funds, which has caused me significant financial and social damages. 

Description of the Issue : While I was traveling abroad, my Citibank USA account was blocked without prior notice, despite holding a balance of over {$100000.00} USD. This prevented me from accessing my own funds, affecting essential payments such as hotels, transportation ( XXXX ), food, and other personal expenses. 

Additionally, I transferred funds from my personal account in XXXX with the intent to invest in the United States and fulfill financial commitments. However, due to Citibank 's unilateral decision, I was unable to complete these investments, resulting in financial losses and damage to my business reputation. 

Attempts to Resolve with Citibank : Upon noticing the issue, I personally visited my branch to seek clarification regarding the unjustified account block, but the bank representatives could not provide a clear explanation. I was informed that Citibank would send me a check within 30 to 60 days, which is unacceptable, as it severely affects my financial rights.
Product: Debt collection

Amount was originally XXXX - settlement of new balance is XXXX. Payments made do not reflect balance of XXXX ( XXXX XXXX, 2016 )
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report with Experian, I noticed multiple inquires I myself did not authorize. Please block and remove the following unauthorized information because they violate the FCRA 15 USC 1681b ( a ) ( 2 ) : 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 XXXXXX/XX/year> there are unauthorized addresses being reported : 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 XXXXXXXX. Inaccurate name : " XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to get my credit profile updated with my current address and my correct date of birth.
Product: Bank account or service

This is in regards to a past complaint I had with Chase bank. Case # XXXX. I have made a dispute regarding the money they refunded and will accept the {$100.00} as a courtesy, but it still does n't justify the remaining {$700.00} something dollars that was overdrawn on my account. Most of the time is was because of the time factors with my payroll check going in 1 hour prior to their allotted deposit time. In that situation I ca n't control. I literally work pay check to paycheck and for any unnecessary means that come out of my bank account upset my budget and most of the times by bills come thought and I do n't have enough money after the " fees '' to cover them. They say " we can only refund back so much '' so what they can live off of low income families with all these fees?
Product: Payday loan, title loan, personal loan, or advance loan

I have defaulted on XXXX payment on these loans the interest rate is outrageous. And they are already claiming to send me to collections. I can't afford payments where the interest rate is 700 %