23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ACCOUNT NAME XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Mortgage

We started to refinance our home with Quicken Loans ( Rocket Mortgage ), on approximately XX/XX/XXXX with XXXX XXXX. Initially, we were inquiring about a 20 year loan. On XX/XX/XXXX, after speaking with our financial expert, my wife and I decided to go with a 15 year loan. I tried calling XXXX repeatedly, along with some text messages requesting the mortgage we applied for, be changed to a 15 year. He did not return any calls or texts until Monday, XX/XX/XXXX. Meanwhile, on XX/XX/XXXX we canceled the appraisal ( with XXXX at XXXX  XXXX ), that was scheduled for Tuesday, XX/XX/XXXX at XXXX XXXX  because we felt as though XXXX was trying to keep us locked into the 20 year. At this point we went back to XXXX XXXX, who had previously ensured us that a 15 year mortgage would be no problem and began the process for a 15 year loan. When I finally spoke to XXXX on Monday, XX/XX/XXXX I requested a refund for the original appraisal. Some time later I noticed a {$47.00} dollar credit on our credit card. When I called Rocket Mortgage again I spoke to XXXX XXXX. He said that he would investigate. When he finally got back to me I was informed that a `` drive by '' appraisal had been done by XXXX XXXX, a company that was never mentioned. We were informed that because the appraisal had already been " done '' they would not return our money. So, we called our XXXX XXXX card and explained the situation. They entered a dispute pending an investigation. XXXX XXXX told us if we do not hear back from them by XX/XX/XXXX the matter will be closed. Since then, I have spoken to XXXX XXXX at Rocket Mortgage. XXXX stated he performed an investigation and that since a `` drive by '' appraisal had been done we still have to pay for it. I requested to speak to XXXX 's supervisor and got XXXX XXXX, Team Leader Client Relations. XXXX offered to eat half the cost. ( fishy ) Both my wife and I were home at the time ( XXXX XXXX  ), per XXXX, they say they did the so called appraisal thus the picture they took of our home should have had both of our vehicles in the driveway. There are NO vehicles in the driveway in the photo they submitted on their so called `` drive by '' appraisal. 
We feel like we are being scammed. 
We would greatly appreciate it if your company would look into this matter. 

Thank you very much in advance. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed information on my Chexsystems report in XX/XX/2016 and never heard back. A dispute was opened, but I was never able to XXXX the results and they never made contact with me after initiating the disputes. The incorrect information remains on my record, with no way to remove or edit or even dispute any information. I have submitted the same disputes on the XX/XX/2016 via certified letter and will continue to try to get a response from Chexsystems.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately.additionally they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that XXXX was not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams
Product: Credit card or prepaid card

Had been make at least the minimum {$35.00} since opening the account and I was told the company closed my account due to to many returned payments
Product: Debt collection

I received a " Limited Time Offer '' letter ( attached ) dated XXXX/XXXX/2016 stating that they were willing to settle my debt of {$2500.00} for {$1500.00} if that amount was received no later than XXXX/XXXX/2016. XXXX payments were made to the agency totaling {$200.00} between XXXX and XXXX. On XXXX/XXXX/2016 I called to make the remainder of the settlement amount of {$1300.00} but they would not accept it as payment in full. They stated that the {$200.00} in payments did not count towards the offer amount. I feel that this is a total misrepresentation and is not what the letter stated or implied. No where in the letter does it state that any payments made in this period would not be applied to the settlement amount offered. Please investigate these false statements and what I consider to be unfair practices against the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote TRANSUNION to dispute an inquiry listed on my personal credit report and I received some excuses why TRANS UNION did not act upon the disputed item or provide any documentary evidence to support the fact my credit file was released without permissible purpose. My dispute letters were mailed on the following dates : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and a copy of all prior disputes mailed on XX/XX/2018 to their registered Agent. [ XXXX XXXX XXXX, XX/XX/2018 ] is listed on my personal credit report and there is no indication of any account with this lender and XXXX  XXXX has refused to produce any proof of any credit application as required under 15USC, Chapter 94, and 12CFR 1002.12 requiring the lender to retain records for 25 months. My last dispute with TRANSUNION did not indicate that the INQUIRY in dispute was ever investigated, and a copy of my credit report was included with no identifiable changes. This inquiry from [ XXXX XXXX XXXX - XX/XX/2018 ] remains with no explanation it was ever re-investigated per my dispute letter of XX/XX/2018. This inquiry has been disputed four times with TransUnion and three times with XXXX XXXX, I was not provided any documentation that the inquiry in dispute was ever investigated or verified by anyone, including the XXXX computer. I also asked Trans-Union to remove any non-account holding inquiries and that request was also ignored by their super computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX and Account # XXXX, Account Name : XXXX / XXXXXXXX XXXX XXXXXXXX and Account # XXXX, Account Name : XXXX XXXX XXXX and Account # XXXX has 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things that are not being addressed on my credit file. I have disputed several times and no one is doing anything about it. I need some help The credit agencies are reporting inaccurate information XXXX XXXX XXXX XXXX - This account is passed the statute of limitations and is still on my credit file. 

XXXX XXXXXXXX - I DO NOT OWE this debt, this is inaccurate
Product: Checking or savings account

M and T bank could not justify XXXX in overdraft fees in a one month period of time. The overdraft fee amount is XXXX each which would mean there would have been 72 overdraft charges to add up to XXXX. When asking for a breakdown or more information for the charges they would not give me the information. When I checked my checking account there were enough funds and the timing of the overdraft fees did not match the balance of my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX A XXXX XXXXXXXX XXXX : XXXX AND XXXX XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Basically I was young and made some bad choices 21 years ago and have never been able to live a happy I always get denied for a loan or auto loan I opened two business and was doing great then I had a employee steal my identity and account information and I am the one who is being punished for reporting it to the bank and they made it so I cant even run my 2 business now I am have lost my house and am about to lose my company cause I cant get a loan to help me with XXXX I traded my truck I got behind on and the car lot gave me a truck then ran my credit XXXX to XXXX times and then XXXX weeks later said they need the vehicle back cause I was denied the loan due to past credit I am feeling like I am being denied everwhare I have tried paying things off and closing account but that doesnt help I have put over XXXX down in the last 2 months and the car lots have keep my money and not gave me a loan I want to change my identity cause this is making my life unlivable and cant get anyware with what going on this is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX OF XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX CB XX/XX/XXXX XXXX AUTO AN XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.A. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the data breach and I found out my social security number is listed on the black web. I have been working on correcting all inaccurate information on my credit report. On XX/XX/XXXX, I mailed a certified letter to all three credit bureaus. I included a copy of proof of residency, driver 's license and social security card. On XX/XX/XXXX, I have received notification from XXXX  my personal information will be updated to reflect my correct name, social security number, date of birth and current address. I have not received any information from XXXX. However, Experian dispute results report # XXXX for XX/XX/XXXX, I received of my credit report did not correct ALL of my personal information. Experian update ONE of the EIGHT addresses on my credit report. My credit report showed TEN variations of my name. On today, XX/XX/XXXX, I have mailed another certified letter to Experian. This time I had the letter notarized and I included a copy of XXXX updated credit report for XX/XX/XXXX, proof of residency, driver 's license and social security card. I have lived at my current address since XX/XX/XXXX. I am currently requesting is for Experian to remove all the other addresses and variations of my name off my report, as they are not deliverable to me by the United States Postal Service, since they are inaccurate and they are not reportable as per the Fair Credit Reporting Act - including but not limited to Section 611 ( a ) ( 1 ) ( A ). These credit bureaus are so quick to report negative information but updating and correcting inaccurate information is extremely hard to remedy. This is the second certified letter I have sent to Experian for the exact same issue. The first certified letter cost was {$3.00} and the second certified letter cost was {$4.00}. Not to mention the fact that I am paying for their XXXX  XXXX XXXX for {$24.00}. This is becoming very expensive to correct inaccurate information on my credit report. How will Experian be held accountable with the FCRA and CFPB?
Product: Checking or savings account

I bank with Navy Federal and receive military pension from the XXXX XXXX XXXX  The military has two release dates. For XXXX the early release date is XX/XX/year>. 

I called on XX/XX/year> and was told the deposit is set for the early release date of XX/XX/XXXX and would post after midnight. 

There was no deposit on XX/XX/year>. 

I called on XX/XX/XXXX and was told by someone named XXXX that any account that had over draft protection Navy federal has a policy that Military deposits with overdrawn will not post on the military early release date. 

To delay those deposits means millions of overdraft and returned items all item fees for Navy Federal. 

Per XXXX he could do a manual release but the customer has to request it. I requested it and per XXXX the XXXX XXXX does not qualify for early release if the account is overdrawn but he could release my XXXX XXXX pension. 

None of this makes sense because releasing that Military deposit would bring the account current. They offer overdraft protection but penalize the customer for using it by automatically blocking Military Early release deposits. 

Navy federal policy allows them to collect millions of overdraft and returned item fees. 

Ive had that deposit for years. How can this be legal. 

An audit is needed cause they owe me for all those fees
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX, GA XXXX Date XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

My ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XX/XX/XXXX. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/XXXX. I need this removed from my credit. Thank you for your time.
Product: Debt collection

I just got out of XXXX, technically I'm still XXXX  I'm at a XXXX XXXX XXXX on pre-release. I checked my credit score and learned thar I owe money for a XXXX phone bill and the collection agency that is trying to collect is Jefferson Capital, the date of the account is XXXX XXXX. I was incarcerated so it was impossible for me to open a phone account. I have no knowledge of this account, I did not enter into any agreement with Jefferson Capital, nor did I agree to pay them any money
Product: Credit reporting or other personal consumer reports

I contacted BMO to dispute charges from a transportation company that appeared on my statement for XXXX The representative told me I was responsible for the charges. I asked to speak with a supervisor. A supervisor called me back an apologized for the miscommunication with the representative closed the card and i was told another card would be mailed out. I never received the card and continued to pay the Bill. two months later there was a balance of XXXX I called a rep. told me the card was sent out. They told me the address to my card was sent but it didn't have my unit number XXXX I asked for a supervisor to call and waited two days I didn't get a response. Called back with the same results. This is on record. i reported this CFPB. BMO closed the Account and started to mark the account late! i have yet to receive a call back from BMO credit card Service!
Product: Money transfer, virtual currency, or money service

I was scammed out of {$12000.00} from a man/company that promised me {$50000.00} after an initial {$3000.00} fee that I needed to pay. I was told it was a US Customs fee. I was informed by them that because I took long, that fee was up to {$15000.00}. I cashed out three checks totaling {$12000.00} through Wells Fargo. I checks were in increments of {$3500.00} ( XXXX ), {$5000.00} ( XX/XX/XXXX ) and {$4000.00} ( XX/XX/XXXX ). I realized it was a scam on XX/XX/XXXX, did not send anymore money, and contacted the bank immediately to report the scam. They informed me that they were not able to return me the money because it was removed from the account. They did not assist me any further.
Product: Credit reporting or other personal consumer reports

I asked XXXX to remove the bankruptcy bylaw. I did not give them consent to put that on my credit profile. I also asked him to remove XXXX XXXXXXXX because it was open fraudulently also, XXXX which is Best Buy XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and several other cards that was open without my knowledge I have provided them with the correct information on my report with my address including phone numbers in a real email that belongs to me
Product: Debt collection

I sent a letter to convergent asking for : 1. Validation of the debt -- that is, the actual accounting. 
2. Verification of a signed Invoice 3. A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail so that there is an independent " witness to it having been delivered. '' However, according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Checking or savings account

There have been 2 inquiries made on my XXXX XXXX report by Citibank XX/XX/XXXX and XX/XX/XXXX without my knowledge or authorization. Ive never attempted to open an account with this bank. Ive noticed this bank via phone and email on several occasions and have been given different answers each time. The last phone conversation was on XX/XX/XXXX and I was assured that these unauthorized inquiries would be removed. 2 months have passed and they are still on my file
Product: Checking or savings account

On XX/XX/2021 I logged into my Chime account only to be promoted with a message that it has been closed or temporarily suspended. 

Apparently they closed my account because I added an accent ( ) over the e in my name like so : They told me I needed to send in name change information for this but it is the exact spelling of my name Ive never been married or changed it.

They also asked for social security & ID which I sent immediately.

Several days later I have not received any further information about my account that was basically closed for no reason & I have no access to my funds.

This is an extreme inconvenience & Im very truly disappointed in this organization.
Product: Debt collection

On XX/XX/XXXX I received a letter telling me I owed {$2700.00} dollars for XXXX accounts, although the date said XX/XX/XXXX. I'm not sure the reasoning for this. I read the paper and it didn't include my right to dispute. 

On XX/XX/XXXX I contacted them and my mother XXXX XXXX spoke to XXXX. She didn't give us enough information during the call so I'm unable to determine the validity. She also didn't tell my mother whether I could dispute it. 

My mother offered to pay with our health insurance but she told us because the visit happened in XXXX and we are in XXXX, we could not use our medical insurance to pay off the bill. 

She tried to pressure my mother into paying today with a discount, even though my mother told her " I don't have that type of money right now '' ( something along these lines ). My mother asked for another day and she said the deal was only today however, she previously said it could be for the month. 

Not telling us the right to dispute, trying to coerce my mother into paying today, no inclusion of my rights. 

I don't even know if these accounts aren't even mine because not enough information was given to me. I made an account to view my accounts on XXXX XXXX XXXXm and these accounts don't seem familiar. These accounts do not show up on my credit report for XXXX and XXXX. 

Today I sent a certified letter to the debt validation asking for more information.