23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process. 
Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy. 
( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights. 


Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 
Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )
Product: Payday loan, title loan, or personal loan

I refinanced my installment loan with ACE/populus on XX/XX/XXXX total due $ XXXXwith nobpayment due until XX/XX/XXXX. 
On the week of XXXX, I went back to the store location and asked the clerk if I were to make a early installment payment would my loan increase to {$700.00} or the max that I could borrow. 
The clerk XXXX plainly explained that my payments were due on the XXXX and I would not be late pay until after XX/XX/XXXX since the XXXX would be 9 days past my first payment due date that I can be 10 days late on. 
This complaint is about XXXX, Ace opolus employee, she called and left me the most basic collections message on XXXX. My loan was not due until XX/XX/XXXX. She had no reason to call me ahead of time, I was told by her in person that I can't refinance on XXXX when I arrived at the store to pay early but was told I had until the XXXX of XXXX which would be the 10 the day. 
My complaint is illegal collection practices and/or phone games if she is allowing others to refinance using my name since I am a victim of identity theft. Unsure why she called me, my loan payment was up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 card or prepaid card

Key Bank XX/XX/2019 Went to branch & requested all accounts closed ; checking, savings, credit card. Received check for savings balance while at the branch. 
- Received email about account activity. Logged in & saw further activity on account ( credit card not closed out, account fee assessed, otherwise no balance for any charges ). 
Contacted customer service via bank website about account fee, was told CC account is still open. 
XX/XX/2019 Went to branch to follow up, manager assured me account would be closed, fees reversed as bank error. Manager said additional check issued by bank to me as CC fee refund XX/XX/2019 {$25.00} needed to be returned to bank in order to close CC account. 
- Received {$25.00} check in mail XX/XX/2019 Brought {$25.00} fee refund check to branch to close account. Received receipt from bank confirming their receipt of check & closure of all accounts. 
XX/XX/2019 received email about account activity. Contacted customer service via website, received reply that CC account still open. Unnamed account fees assessed, balance of {$0.00} I don't have a fax/scanner/copier but I can make copies at work and mail them in via USPS if needed.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Debt collection

I have no knowledge of this account i did not authorize it and I want it delete it immediately
Product: Credit reporting or other personal consumer reports

The EQ Score is not displayed on my credit report despite two updates. This omission raises concerns about the accuracy of the report, potentially impacting my eligibility for future loans. I kindly request your assistance in rectifying this issue promptly to ensure a smooth loan application process.
Product: Checking or savings account

Dear XXXX XXXX, Good day!! 

I'm sorry the banks took a hit because of XXXX XXXX Bank 's management failed to maintain a proper balance of loans versus depositors. This is an isolated case. I would expect Wells Fargo, a company founded in XXXX, to be more responsible and return my {$8300.00} of retirement money to a XXXX XXXX  citizen. I need to pay RENT and survival expenses here in XXXX. 

I called and left you several messages. I write e-mails. I have updated the attorney general, US Treasury Dept, CFPB, Social Security Admin, etc..All inquiries are ignored. 

XXXX, you wrote you would return my money by XX/XX/2023. It has passed XX/XX/2023 to simply return my money from the Wells Fargo holding account to my savings account. It has now been 45 days since I was alerted to fraud by XXXX in XXXX. I have provided all contracts and details. 

I have opened an account here in XXXX XXXX, especially for wire transfers. 
XXXX XXXX XXXX XXXX XXXX. 

I opened an account at XXXX XXXX  with XXXX XXXX XXXX and the Executive Director. 

They are glad to help!!! 

Wells Fargo has been deterring my account withdrawals and closure for 1.5 years. 

This is an opportunity to send {$8300.00} ( currently help in your Wells Fargo holding accounts ) plus XXXX already in savings + brokerage account {$1600.00}. 

See attachment. Totaling {$10000.00} in current and liquid assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a letter was written to TransUnion regarding a creditor reporting a debt that was included in a bankruptcy in XX/XX/XXXX. That letter received no response after 30 days so another letter was submitted in XX/XX/XXXX to TransUnion following up from the XXXX letter that was mailed in XXXX. No response as of yet. Due to this creditor reporting this inaccurate it is damaging my credit even more because of the inaccuracy.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2019, Paypal sent me an email saying my account was limited. But I never set up an account with them. I used a website called XXXX and used a guest checkout. They have a box that you can check off that asks if yo want to setup and account. I didnt check the box, and they still setup an account in my name anyway. They did this without my permission and this is an invasion of my privacy.
Product: Debt collection

Upon checking my credit report l, there was collection for Collection Bureau of Hudson Valley I requested information to verify the debt from collection agency, they only had my current address. After I researched the original company and I found out this collection is for a cable service in Florida. Ive never lived in Florida. Ive disputed this with the credit bureaus with no success. This debt is not mine, and I can not afford to pay for something that does not belong to me.
Product: Checking or savings account

I signed up for a XXXX percent promo bonus and followed all rules, expecting a {$500.00} bonus to my account for keeping the new money deposited for the required time. My husband did the same with a different ally account. This was allowed per the rules ( XXXX XXXX XXXX  ) He received his bonus on XX/XX/XXXX. I did not. I chatted and was assured that the rep could see that I had deposited the funds and kept it deposited per the rules and that my bonus would arrive by XX/XX/XXXX. On XX/XX/XXXX no bonus. I contacted ally and was told to contact them the next day. I did, and was told that there were lots of calls about the promo not being fulfilled and to be patient. I asked that it be escalated. I received an email that I received the bonus, I emailed back that my husband received his bonus but I did not. They replied that the reason why I didn't receive a bonus is because my husband and I have the same email. the rules do not require different emails, just that the email used be associated with an ally account, which it is. I expect Ally to fulfill its promise.
Product: Credit card or prepaid card

I had an unusually large bill this month ( {$17000.00} ) and made an early payment in order to avoid any fees. I called several times to cancel my autopay and was told that it would automatically cancel out and not hit my account. I called back a 2nd and 3rd time and was told that the payment was processing and that they couldn't stop it but would be able to issue an immediate refund once it posted. 

A second ( overpayment ) draft of {$17000.00} hit my checking account several days later and I called to request a refund. They processed the refund but told me that the refund would take 17 days. I asked them to escalate/expedite the refund but they told me that they would not do so. My mortgage and other bills are now in danger of being paid late because of their mistake, misinformation and delay in refunding my overpayment. No one in their customer service department seems to care about helping their customers.
Product: Credit card

On XX/XX/year>, I transferred money from my checking account to my credit builder account, which should have left me with a balance of {$50.00}. However, I've noticed that {$32.00} is missing, and Chime has been unable to provide any transactions that would explain why my balance is now only {$18.00}. I spoke with a supervisor and have a recorded phone call where he acknowledged a system issue and assured me that I would receive my funds within a few hours. Unfortunately, that did not happen, and I'm still missing my money.
Product: Mortgage

XX/XX/XXXX - After Talking with Gregory Funding representative, On XX/XX/XXXX, I forwarded via email a copy of the letter I received from the Maryland Chief of Treasury which stated that : " This is a final bill and legal notice to the person whose name appears on this notice as per the annotated code of Maryland XXXX. Unless all taxes and fees in the arrears are paid on or before 30 days from the above date, ( XX/XX/XXXX ), the Collector will proceed to sell the property to satisfy your entire indebtedness. amount shown is valid if paid by XX/XX/XXXX. '' The amount was {$1500.00} During the month of XXXX, I contacted Gregory Funding to learn about their resolution to my problem. The dates are as followed. XXXX XXXX, XXXX, XXXX, and the XXXX. Also, on XXXX XXXX, XXXX, and the XXXX. Gregory Funding collects XX/XX/XXXX of my property taxes to ensure something like this doesn't happen. During my conversations with Gregory Funding, I assured them that I was not going to lose my home over {$1500.00} and if it was not resolved before the XXXX of XXXX, I will pay the taxes due. 

XX/XX/XXXX - I paid the property taxes and have been fighting with Gregory Funding to reimburse me since that time. 

Note : I received a letter from Gregory Funding during the week of XX/XX/XXXX, that {$1500.00} was disbursed to XXXX XXXX for the satisfaction of the XXXX property taxes. I called the XXXX XXXX XXXX and the only payment that could be confirmed was my payment. 

XX/XX/XXXX - I was informed by Gregory Funding that I would not be reimbursed for paying my property taxes.
Product: Mortgage

My family went about refinancing our mortgage starting in XX/XX/XXXX. We reviewed several rate aggregator sites including XXXX. XXXX advertises rates for different lenders and even has an advertiser disclosure : The listings that appear on this page are from companies from which this website receives compensation It was on this site that we found XXXX. Who was advertising a 1.75 % interest rate with 0 points on XX/XX/XXXX. It was also shown as 1.75 % APR. I clicked through the link to the site at that time and began my application. I was shocked when after my first completion of data the Rate was 1.75 % but the APR was considerably higher. I emailed the loan officer about this and they made an adjustment claiming that they added {$8100.00} in concessions to the loan in order to honor the pricing, however, they changed my own selections on several different aspects of the loan which would be about ( 63 % LTV ). They changed my escrow preferences to utilizing Betters services, when I had originally indicated I would continue to pay my home insurance and property taxes without escrow. When I changed these items back the loan added what I think I recall as {$250.00} in points, despite the advertising being {$0.00}. I asked for this to be adjusted and they claimed this was a change of circumstances. No where on their website can I find that escrow is a required aspect to receive their advertised rates. I checked XXXX website and it is also not addressed. If this was common practice then it should be spelled out. Over the next two days while I completed their tasks, the points rose again close to {$250.00} per day to approximately {$750.00}. Final closing amount was {$720.00}. All this time they were continuing to advertise on bankrate the 1.75 % Rate and 1.75 % APR despite my loan getting more expensive. I asked about this as well and was told I wouldnt have the rate honored again. I decided I would work to finalize the loan because of the good rate ( which they advertised ) and closed on XX/XX/XXXX. I followed up with their customer service via a feedback survey after closing to which I received no response by XX/XX/XXXX. On XXXX I sent an email to the email that asked me to fill out the survey asking about this issue with advertised rates not being offered. Both from my initial application and after they changed the setup of my loan. After several emails with a Client Success Advocate, I was also told that because I didnt lock my rate for 3 days and the market pricing had fluctuated. I have screenshots from the day I locked my rate and from 8 days after I locked my rate showing the 1.75 % /1.75 % APR still being advertised. I believe Better is advertising rates they dont plan to honor and even if asked they work to create situations to drive their own profit.
Product: Debt collection

I switched from XXXX XXXX XXXX to XXXX in XX/XX/XXXX. I was contacted by a collector from XXXX XXXX XXXX XXXX in XX/XX/XXXX that I had an outstanding balance of {$1200.00}, I informed them I was disputing the debt and then contacted XXXX XXXX XXXX directly. I spoke with an XXXX XXXX XXXX agent and we worked through the charges and identified some major discrepancies in the charges. I was told they would look into the charges and escalate. I received no communication until I was contacted on XX/XX/XXXX by Sequium XXXX informing me that I still had an account with XXXX XXXX XXXX that had a balance now of {$1700.00}. I informed the agent that was disputing the debt and would be contacting XXXX XXXX XXXX directly. I asked that they send me an official letter since I wanted to make sure it wasnt a scam. I received the letter on XX/XX/XXXX and was dated XX/XX/XXXX. On XX/XX/XXXX, I was informed by the credit bureaus that I was reported as having a collection account with Sequium. I am disputing the debt and it is my understanding under my rights as a consumer to dispute and have 30 days to do such before they report anything and negatively affect my credit.
Product: Credit card or prepaid card

In XX/XX/XXXX when preparing to buy my first house, I discovered that my estranged father fraudulently opened a credit Bank of America credit card listing me as a co-borrower without my knowledge or consent ( or BoA made an error ) in XX/XX/XXXX when I was a minor ( age XXXX ). He has continued to use this card with me as a co-borrower, and it is now maxed out at $ XXXX. 

I have attached the XXXX dispute XXXX " resolution '' letter ; I could not find or obtain copies from the other two bureaus. I have also filed the attached FTC Identity Theft report XXXX. I have attached CFPB complaint XXXX against Bank of America where they just closed the complaint, told the CFPB not to give me any details on BoA 's " resolution '', and then failed to respond to my complaint at all for over three weeks. It was not until today when the BoA XXXX department put me in contact with the XXXX department that I learned that BoA refused to take me off the card despite the fraudulent origins.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Incorrect names, addresses and employers
Product: Money transfer, virtual currency, or money service

I am trying to open an account with Venmo. As part of the application process, I was required to submit a mobile phone number. The on-line application process rejected my application claiming my number was a land line. 

When I contacted customer service, they told me that my phone service, XXXX XXXX uses VoIP technology. Venmo is not compatible with VoIP phone numbers. 

This makes no sense, customers interact with Venmo thru their app - not telephone calls. 

When I asked for further clarification, they responded " We do not have the information you are requesting nor are we at liberty to reveal details of Venmo 's internal operations. '' Why would Venmo not be able to let me use their services when I have VoIP phone service? I can only guess that they want to make money off of their customers by selling information about phone activity and location information. I don't know, this but I suspect I am being rejected because they can not exploit phone information from me.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


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