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

Hello this is XXXX XXXX XXXX My mother has a statement to explain for this tragedy against me " Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Alleged Violations of the Fair Credit Reporting Act ( FCRA ) Related to XXXX XXXX XXXX and XXXX XXXX XXXX Accounts XXXX This letter is written in furtherance of the Consumer Financial Protection Bureau ( CFPB ) complaint process. 


Dear XXXX XXXX Customer Service, I am XXXX XXXX, am writing to bring to your immediate attention several alleged violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to my account with XXXX XXXX and my sons Authorized User Status. As you are aware, I am the primary holder of the XXXX XXXX Unsecured Credit Card Account, and my son XXXX XXXX XXXX, is an Authorized User on the Account. However. Despite my repeated requests dating back to XX/XX/2024, your institution has failed to report any information about this account to any of the three major consumer reporting agencies EXPERIAN. XXXX XXXX XXXX on my sons credit report, in violation of Section 1681b of the FCRA. This failure to report accurate information is a clear violation of the FCRA. As a result of your institutions wrongful acts, my sons credit score has been unfairly impacted by your error, and he has suffered damage to his creditworthiness. 

Furthermore, my son XXXX XXXX XXXX has specifically requested to be added back as an Authorized User on his own credit report, which your institution has failed to do despite his repeated request. Pursuant to Section 1681m of the FCRA, we demand that XXXX XXXX immediately add my son back as an Authorized user and report information about this account to all three credit bureaus. Failure to respond to my request will allow for me a lawsuit against your agency and I will definitely report you to the XXXX XXXX XXXX. Please add - XXXX XXXX XXXX back onto credit report, XXXX XXXX removed him by error. I am asking for {$1000.00} fine for each day when you fail to comply to my request. This is urgent and I will be glad to hear from you after reading this request from XXXX XXXX XXXX. 

Sincerely, XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on Experian, XXXX and XXXX, they were all in violation of these terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was going through a divorce, my ex-husband stopped paying the mortgage without me knowing and had the mailing address changed to a PO Box in his name. The lender, Ocwen which then was transferred to PHH Mortgage/XXXX  XXXX, never properly notified me as a co-borrower of this issue but started foreclosure proceedings. I went to court on XX/XX/XXXX once alerted to resolve this with my attorney, where the judge ordered a six month stay on any proceedings. In the interim, I sold the property and paid all outstanding fees and balance on XX/XX/XXXX before the stay would expire. 

The lender, PHH Mortgage, reported to the credit agencies a " foreclosure start '' alert dated XX/XX/XXXX, which is now preventing me from any refinancing options I wish to do on my current home because of this issue. I've reached out to the company both verbally and in written documentation dated XX/XX/XXXX to the Escalations Department and can not get anyone to address this. My calls always get transferred overseas to the XXXX where the reps keep telling me it's being reviewed this after over 60 days of constant follow-ups. I can not get in touch with anyone in the US/ NJ offices, all calls are only transferred out with no assistance. 

I'm asking for someone to help with my credit status, I always had perfect credit prior, this was a situation out of my control and was resolved accordingly within the timeframe given by the judge in the XXXX County Circuit Court. 

These companies, Ocwen/PHH/XXXX  XXXX, all have negative online comments by consumers for their horrible consumer relations. I hope that there is some recourse that may be helpful in resolving this matter quickly. 
Thank you!
Product: Credit reporting or other personal consumer reports

Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. If you continue to decline my position I will contact my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the 5 days required. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Debt collection

This relates to activity of the XXXX and Wells Fargo Bank. The bank put a garnishment of over XXXX dollars since the XXXX wrongly claims that I owe them back taxes. 

My accountant submitted documentation to the XXXX in XXXX related to a claim from the XXXX that back taxes were owed. 

Four subsequent attempts to contract the XXXX went without response. The XXXX filed some erroneous claim with Wells to garnish over XXXX in a bank account. 

The bank initiated a pending transfer of over XXXX in favor of the XXXX without any notification to me. 

The XXXX as a financial organization, may be outside your purview. Yet they are wrong and their failure to communicate with me/my accountant on a timely and professional nature is poor service, and just wrong. 

Then, their claim to Wells to capture my funds AND the bank 's agreement to effect the transfer without notification to me is collusion in a fraud to wrongly expropriate personal property. 

They should at least send some sort of communication to notify of the action with a period of time to cure default. 

The fact that there was no default, since taxes ARE NOT DUE to XXXX in California is faulty government service and perpetuated and aided wrongly by Wells. 

To further my own aggravation, as this is a CA tax issue, the Wells Office for Legal Order processing was closed at XXXX CA time. Whereas probably not technically illegal, it sure is poor customer care, but what should I expect of an institution that is fined over XXXX XXXX for the way it handles customers. Not the point of this complaint. 

My complaint is that Wells is complicit in wrongly expropriating my funds and is not responsive to inquiry to resolve this, ie talk to them. 

Also, you should look at the customer care offered by the XXXX XXXX XXXX. To let five inquiries of follow up on an open case go unanswered, in spite of the professionalism and completeness with which support dox to the contrary of XXXX contention is just wrong. Maybe since the documentation countered the position of XXXX just caused them to conveniently overlook the submission and not respond.
Product: Credit card

Hello, Please see attached documentations forwarded to Discover dispute department per their request. 

I like to report an issue with the dispute department ( Discover credit card ) that remains unresolved. I've attached the related documents to prevent any duplicate information. 

Upon speaking with a supervisor from the dispute department on XX/XX/23 we forwarded another document to resolve the dispute that involves re-posting a charge after it was already resolved a month prior. 
We also reached out to Discover customer advocacy, complaint and compliances as well as ethical business conduct.
Product: Credit card or prepaid card

On XX/XX/2022 I received an alert from XXXX XXXX that a new credit card was opened under my personal private information with SYNCB/Paypal Credit Card with a {$300.00} credit line. XXXX XXXX was the only credit company that was not " Locked/Frozen '' because I am in the process of applying for a new mortage. During this short amount of time XXXX XXXX was not Frozen, this is when the fraudulent account was opened. I have not been opening or using credit to keep my credit score up. This fraudulent action also lowered my credit score. I tried reaching out to Synchrony Bank and Paypal but I dont have or know any information associated with this account so it did not get me anywhere. There was a local address and phone number associated with this new fake account and the phone just rang. I would like an investigation into this matter as this is now on my credit report and has caused problems now saying that I owe a balance of {$280.00} and I do not know what it is for. Definably not from me or anyone that I know.
Product: Credit reporting, credit repair services, or other personal consumer reports

BETWEEN XX/XX/XXXX I HAVE REACHED OUT TO TRANSUNION, XXXX   AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.
Product: Student loan

I paid off my loan during COVID to the tune of about {$10000.00}. I called FedLoan and requested that they refund my loan from XX/XX/XXXX until XX/XX/XXXX in late XXXX. I never heard back from them and I called to see what happened. They stated on XX/XX/XXXX the Department of Education approved the refund and on XX/XX/XXXX my loan was transferred and the process had to restart with XXXX. I asked FedLoan to send records of this and they said they would but they did not. I called XXXX and they said that, because my loan was paid off, it would not be in the system until XXXX. I need this money refunded because I am going back to school and my marital status will change in XXXX and that will impact my ability to get financial aid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX.I refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.
Product: Debt collection

Over the course of the last 3 days I have received several unwanted text messages and threatening/escalating voicemails from a XXXX XXXX at MCU in an attempt to collect a debt that I am unaware of and that does not show on my credit report as being held by their company ( possibly attempting to collect on older debts? ). They call from a California number ( XXXX ) XXXX. The first voicemail was left on XX/XX/2021 at XXXX and stated " Yes, good afternoon this message is intended solely for Miss XXXX XXXX, good afternoon my name is XXXX XXXX, I'm calling you from the offices of management capitol united to advise you that my office was assigned with documents currently attached to your name, your date of birth, and social security number. This is a time sensitive matter that requires your immediate attention prior to the station or escalation taking place without your knowledge. Please refer to file number XXXXX. My direct number where you can reach me with Capitol United is XXXX. My direct extension here is XXXX. I look forward to speaking with you Miss XXXX and my name is XXXX XXXX. Thank you.. The second voicemail was left on XX/XX/2021 at XXXX and stated Yes, good morning this message is again intended for XXXX XXXX. This is XXXX XXXX calling you once again from the office of management capitol united and XXXX XXXX in regards to the document sent to your XXXX account on XX/XX/XXXX. I left you several messages in regards to pending escalation here in my office contact touched your name, your date of birth and social security number at this point I was expecting a call back from you XXXX XXXX. I was instructed today to verify employment and run an asset and liability report attached to your name and social security number. If you have any questions in regards to this pending escalation please contact me back. The file number is XXXX, My direct number to reach me with capitol united MCU holdings is XXXX extension XXXX. I look forward to speaking with you and I will be in the office again until XXXX eastern standard time. Thank you.. I do not even have a XXXX account or email address so this is either a scam or bottom feeder collection agency trying to collect on an old debt that has past limitations as MCU is not listed on any of my credit reports as a agent handling a collections account under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2500.00} ; 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 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 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
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. 

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 and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I tried to open up a bank account a while back and I was denied. Chase would not give me a reason for this denial. All they said was that I had a previous account with chase. I've never had a banking relationship of any kind with Chase. I'll be attaching a police report and and FTC report to this complaint.
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Student loan

On XX/XX/XXXX, I reached out to FedLoans to file a balance dispute because the balance on my consolidated loans seem incorrect due to the fact that i did not borrow the amounts stated. My son was in school in XXXX in Colorado ( $ XXXX ) then he came home to attend a XXXX  college from XXXX ( $ XXXX XXXX. the amounts that FedLoan has me owing is ( $ XXXX ). I assume they are including my loans when i was in school from XXXX. I have not been in school since XXXX and those loans should not be included in this amount. I have tried to get them to review the balances again because I'm getting denied Fed Aid for my daughter who will be attending college next year. 
PLEASE PLEASE PLEASE HELP ME/US.
Product: Credit card or prepaid card

Bank of America are stealing, lying crooks. 

I was approved for a Bank of America Cash Rewards Secured Credit Card On XX/XX/21. I sought to take advantage of a {$200.00} reward they offer ( https : //www.bankofamerica.com/credit-cards/products/cash-back-credit-card/ ) for spending {$1000.00} in the first 90 days. I was told multiple times that if I spent {$1000.00} on the card for them, I'd get {$200.00} in return. I spoke about this reward before, during, and after obtaining the credit card, with multiple sales and customer service people. I would not have chosen this credit card without the reward. I was even eventually told that I had satisfied the {$1000.00}, and could expect the {$200.00} in mid-XXXX. I was then told in mid-XXXX that the promotion had been erased from my account for some reason, and then they RE-ADDED it to my account, said I was applicable, and said I could expect it in mid-XXXX. 

Today, for the first time ever, now that I have given them what they wanted and spent {$1000.00}, I have been told that my card is not applicable for this promotion because mine is a secured card. I am looking right now and see nothing about exempting secured cards on the promotional site, nor did I see anything of that nature at the time, nor did anyone at BOA bring this up during my half dozen calls about my intention to receive it. And even if the promotional site did warn about " no secured cards '' ( which it does not ), they confirmed to me many, many, MANY times personally and verbally that we had a deal and I would received {$200.00}, which is its own free-standing promise. 

I explained all this today to a customer service rep, then to their manager XXXX, said I was going to file a claim here. They said they would feel ripped off too, said they understood that they lied to me, and then refused to do anything to help me. So here we are.
Product: Credit reporting or other personal consumer reports

my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 
XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX ( XXXX ) I request please that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.