23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

5 years ago I purchased a home in XXXX Florida. Recently I decided to sell and have a buyer. During the selling process I was notified by the title company XXXX XXXX attached a lien on my house 3 months after I purchased it. I WAS NEVER NOTIFIED! I have never even done business with XXXX XXXX. Now XXXX XXXX is saying it 's Bank of America fault. I have many many requests to XXXX XXXX to straighten this out. They could not even figure out why it was there. My real estate agent, title company, lawyer have not been successful in getting them to sign a release of title, even though they admit that it s what is needed. My contract expires Monday with buyer and I am going to lose my sale. I have talked to 6 representatives at XXXX XXXX, the last being XXXX XXXX ( XXXX ), she will not give me her supervisors name and will no longer answer my calls. I know that XXXX XXXX has fraudulently attached to my title, and a simple release of title will fix this but now it is to late to save my sale. XXXX XXXX has caused both monetary loss and emotional stress unfairly to me. I am being penalized for BOA/XXXX  XXXX mistake. This is unheard of! This is negligence, it 's fraudulent. How could a bank, mo this after a home is purchased, accidental put their name on a title!!!????? If the CFPB is really here to help consumers, then this is a perfect case!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX
Product: Debt collection

I am filing to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint on my behalf and there's no third party involved. I've been reviewing my credit report recently and noticed these inaccurate information that's been reported. 
XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX SUNRISE XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I do not RECOGNIZE these items that's been listed and is clearly in violation of FCRA 15 U.S.C 1681i & 1681s-2.

( Copy Enclosed )
Product: Checking or savings account

Had an IRA account at State Farm Bank containing XXXX CD 's. State Farm said they were getting out of the " banking business '' and thus transferred the account to US Bank without letting me choose which bank my account was transferred to. State Farm did not have fees for IRA accounts, but US Bank is now charging me an annual fee of XXXX dollars for my IRA account. I have called XXXX  times and was told it's their policy because my account is under XXXX dollars or I need to open a star checking with so much in it to wave the fee. They also stated that if I transferred the IRA account to another institution, they would charge me over XXXX dollars for transferring the accounts and early withdrawal. First, I believe that this fee is wrongfully applied because I did not choose US bank for my IRA and did not pay a fee at State Farm before they transferred, nor can I afford to open an additional checking account. And second, there is no option for me to met their criteria for waving the fee because I can not add to my IRA ( XXXX and not working ) and it will be a financial hardship to transfer the account. Lastly, this policy from XXXX band puts me under duress to pay the fee and adds considerable stress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-I Referred to collections for an item XXXX XXXX XXXX that is not valid or collectable/ XXXX Possible Defamation of Character XXXX  Cell Possible FACTA & Title 15 USC Issue In Reference to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This bank sent me to collections due to an XXXX pre-authorization. The transaction never occured. It was a preauthorization. This did not stop the bank from assessing a NSF fee and monthly fee before sending the account to three different collection agencies. I was told if I wanted the matter taken off of the ChexSystems report I had to pay their collection agency. That seems like blackmail to me. 

I contacted the collection agency and they settled with me for approx XXXX dollars. I was initially informed that the collection agency was planning to send a payment to the bank and the bank was supposed to cut me a bank check. I am not personally aware that the payment has been sent to me. I was informed that it was bit have not seen a record of payment so far. 

According to the individuals that answer the phone at the phone number for XXXX, and I say that because I am starting to believe it is a third-party call center because when I called on XXXX when an individual placed me on hold, and I heard offers about XXXX XXXX for home and business customers. This causes me to believe that it is a third-party call center that is serving multiple accounts. 

I believe I was sent to collections on a non-collectable matter. The collection agencies have not sent me written communications, verification of debt. I did not receive a final statement until I requested it. 

I will do some research and determine if the paid amount to the collection agency was refunded to me. I also need the false information immediately removed from the XXXX report, as it is not accurate and defamatory, and a possible violation of federal law. I contacted the bank last night XXXX I was offered a  fax number for a dispute department but this is a matter that is required for XXXX to contact ChexSystems to remove the information from the report as they are the reporting party as per their collection agency. I would offer additional information but due to FOIL regulations, I can not offer account numbers, for further infromation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report from XXXX XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. Equifax Never responded and the other two credit bureaus never deleted the accounts
Product: Credit card

Sychrony Bank uses outdated information and duplicate form letters to justify lowering my credit limits on all my accounts with them. One of their reasons for lowering my credit limit on all my accounts is lack of real estate. I have sent them proof that i own a home, but they choose to ignore that. I am in the process of paying down my debt. Each time they reduce a credit limit, it portrays a false picture. For instance, if my credit limit is XXXX and I owe XXXX, I still have XXXX to use. If they lower my limit to XXXX, as they did in this case, I am now up to the credit limit. Each time they do this to me, they reduce my credit score and make me look like I'm not using my credit responsibly. I'm tired of it! I am currently paying down all my Synchrony accounts and will not use this bank any longer. They have contacted me and my husband because they have done this to his accounts as well, but they send the same letters over and over stating the same reasons and do not look at anything we send to off set their decision. I will keep filing complaints as long as they keep harrasing me regarding this.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX  - Account # : XXXX - Reporting Balance : {$0.00} ( Charge Off0
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Service, is a company that I have no acknowledge of, I've attempted to dispute this with credit reporting agencies and haven't received a explanation on why this company is asking me to pay XXXX XXXX and XXXX Dollars, this account has been on my credit report since XXXX XXXX 2022, with an account number of XXXX, I've sent a certified letter asking for a copy of the original contract with my signature and still no response.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I agreed to pay my XXXX XXXX account for less than the amount owed upon the company accepting my offer i gave them permission to withdraw XXXX dollars XXXX close this case.they recieved this payment thru debit and acknowledge that the payment was cleared on XX/XX/year>XXXX  the compasent me a copy and I produced it to all three credit bureaus XXXX, XXXX  and experian, experian was the only credit Bureau that did not acknowledge, thay they were in reciepet of the document therefore nothing was changed to adjust my account and update this new information on my credit report the most disturbing thing was this account was removed from the collections section on my credit file and placed into the category of credit and credit lines therefore making it appear as if the was a active credit card account my credit to debt ratio along with my credit score was incorrectly placed in a negative status.
Product: Payday loan, title loan, or personal loan

Hello, I have taken out several of these loans and finally had to request them not to take money from my account via ACH because I was constantly over drafting my account.

They have honored that and it will eventually go to collections for me to start paying.

But these interest rates are way too high.
Product: Debt collection

A letter to validate debt was sent to collections agency and their response to verification request was a detailed document with private medical procedures, which violates HIPPA privacy law. I did not authorize collections agency to access my medical records or sign a HIPPA form. Medical records is not proof or validation of debt.
Product: Credit card or prepaid card

XX/XX/2020 My EDD account was accessed through a atm fraudulently through an ATM and {$800.00} was withdrawn. 

XX/XX/2020 My EDD account was Fraudulently accessed again through another atm and {$800.00} withdraw again.

Total amount of fraud on my account is {$1600.00}. Bank of American was contacted several times. After hours of waiting on hold and being disconnected, I received a letter in the mail from B of A stating my case had been closed and I would not be receiving a refund. 

Both transactions were made at XXXX XXXX atms hours away from my house in cities I do not visit.
Product: Credit reporting or other personal consumer reports

Mortgage paid off XX/XX/XXXX. As of XXXX the company shellpoint mortgage began processing the reporting of pay off on XX/XX/XXXX. Also stating the process can take up to XXXX  days to complete XX/XX/XXXX. So almost XXXX   months from payoff shellloint mortgage is reporting the mortgage as paid.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXX : {$490.00}
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 # XXXX Account Name : Bankruptcy # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/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 accoun
t 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: Money transfer, virtual currency, or money service

I was locked out of my account. I could only withdraw with my debit card. Contacted current bank. They cancelled my cards and reissued new ones to someone else. I thought my unemployment had ended only to find out it hadn't. They started emailing a fake email letting someone else know that my deposits went in this started in XXXX. On the XXXX I got in touch with them and had to send in the many unauthorized transaction numbers and they never responded after. This cost me thousands of dollars during the pandemic. I couldn't get my taxes or stimulus money because I was a victim of identity theft through this virtual wallet. It takes months to get a response from current and unemployment. Needless to say these people assisted some strangers in stealing my identity and still I haven't gotten a dime of my money back or a response to this day. I haven't gotten my identity under control either because of it.i can't get current bank to return my calls. The people who stole my identity have ruined my credit. I can't even open a bank account.
Product: Debt collection

I had received a voicemail one day that if i did not contact this company further action would be done to retrieve the debt. I ended up calling the number and it was a law firm that I have to resolve the debt with. I had informed them that Reel Time Capital LLC did NOT contact me one time about the debt, not through phone, email, letter, NOTHING. I ended up contacting Reel time capital llc and explaining how they had started a lawsuit against me without informing me about the debt or every contacting me at all. I have all of the emails of the lady I had been talking with. She " pulled '' the debt from the law firm so that I could pay it in full with her or set up a payment plan, and to which i set up a payment plan. I last heard from the reel time capital llc employee over three weeks ago and have not heard anything back from her, I have tried emailing the support email, have not heard back from them, tried calling them, i can not get ahold of anyone. I have half the debt paid off and now can no longer get in contact with them. OH I also forgot, after I had set up a payment plan with them, my debt card was hacked ....
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

According to section 602 ( a ) of the Fair Credit Reporting Act 15 USC 1681, it is essential that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and XXXX, being consumer reporting agencies, are bound by this, and as a consumer, I have the right to ensure my private information remains confidential. 

This is supported by 15 USC 6801, which asserts that Congress mandates each financial institution to continually respect customer privacy and protect the security and confidentiality of nonpublic personal information. As defined under this title, a furnisher of information to credit agencies is a financial institution.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency can furnish a consumer report only under specified circumstances, primarily with the consumer 's written consent. However, neither the financial institution nor the consumer reporting agencies XXXX and XXXX have obtained my consent to share this information. Therefore, any prior consent given to XXXX, XXXX, or any furnisher of information is revoked, whether it was verbal, non-verbal, written, implied, or otherwise. 

Further, 15 USC 6802 ( b ) ( c ) outlines that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation on how to exercise the nondisclosure option. No such explanation was provided to me by the furnisher of information to credit agencies.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that, except as allowed under subsection ( b ), no consumer reporting agency may include adverse information older than seven years, barring records of crime convictions. This adverse account is being reported again without my permission, which is unlawful.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) prohibits anyone from furnishing consumer information to a reporting agency if they know or reasonably believe the information to be inaccurate. Meanwhile, 15 U.S. Code 1681e requires all consumer reporting agencies to establish reasonable procedures to prevent violations of section 1681c and restrict consumer report furnishing to the purposes listed under section 1681b. XXXX and XXXX are failing to maintain such procedures. 

Furthermore, 12 CFR 1016.7 grants a consumer the right to opt out at any time, and I am exercising this right to opt out of your reporting services
Product: Vehicle loan or lease

As stated from Capital One, XXXX XX/XX/XXXX and XXXX 2018, My wife and I went to several car dealerships to request for a car loan to get a used car. However, according to their credit requirements unfortunately my credit score was insufficient for the car loan approval at that time. It seemed as though they pulled my credit report multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX