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

XXXX XXXX  has reported negative information on my credit report during a Nationwide Pandemic Pause Period which caused a XXXX point deduction to my XXXX XXXX. XXXX XXXX  has continuously reported incorrect information to the Credit Bureaus even though the account is in Deferment Status. XXXX XXXX  is reporting to the Credit Bureaus that a " Credit Line '' has been increased. This is false and is not a line of credit but a XXXX XXXX and the only thing that should be reported is an increase in interest. XXXX XXXX  uses deceptive techniques to lure people into programs and does not use competent staff when applying for XXXX XXXX. I now have two XXXX XXXX  with XXXX University due to the negligence and miscalculations of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has REFUSED numerous times to release final transcripts due to an unpaid XXXX XXXX XXXX. They have violated my Consumer Rights and I feel this situation needs to be remediated as quickly as possible.
Product: Credit card or prepaid card

During the process of securing a mortgage it was discovered that my Chase credit card was showing 5 months past due, beginning in XXXX of XXXX through XXXX of XXXX. When attempting to fix the issue with Chase, they informed me that a half of payment was past due, and carried over into subsequent months, even though I was sending full payments consistently. I was never called, or informed by letter that there was an issue with the account. I was informed that emails were sent instead. Unfortunately these emails went unnoticed due to the volume of spam email I received. I have been a chase credit card customer for several years and I have never missed a payment. Based on my history, I would have expected to receive a phone call or be advised in writing that my account needed to be brought up to date by a half of payment. I corrected the issue immediately upon realizing that there was an issue. However, this incident has had a deep impact on my credit scorXXXX, making it impossible for me to secure a VA mortgage.
Product: Credit reporting or other personal consumer reports

This Company is reporting inaccurate and information I did not give consent to report. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the consumers right to privacy. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies do not have my consent to furnish this information nor my written consent. 

Any and all consent to, whether it be verbal, implied, written, or non-verbal is revoked! 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

They never informed me of my right to exercise my nondisclosure option.

They are reporting again without my permission which is against the law.

A consumer may exercise the right to opt out at any time. I am opting out of having my CREDIT USAGE '' and " REPORTED BALANCE '' reported on my file, ON ALL OF MY ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and XXXX about removing or repairing my credit scores because of someone submitting Credit Card or Loan application under my name. When I called or dispute and to have a credit freeze put on my account, they want me to pay for this, I do not agree paying for something that was put on my credit report and I did not submit the application. This is wrong and something needs to done about this. They should be able to correct this, they let the wrongful person put an Inquiry on my reports without my consent. It is not right and especially I am trying to buy a house and have not submitted any application except XXXX.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect, Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  county Courthouse refuses to update Equifax on paid in full tax lien. I 've disputed this information twice and it has been fixed with  XXXX  but not Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX & Inquiry from XXXX on XX/XX/2022 has violated my rights. 

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

15 U.S.C 1681 section 604 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: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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: Money transfer, virtual currency, or money service

I need this email in a letter head in order to close on my home. However when I called to get this on a letterhead they are refusing to honor it & even trying to change their response. I need the email in the attachment in writing. Without this letter & their compliance me & my family will be homeless. This is aspire visa, company address Account Services XXXX. XXXX XXXX XXXX, GA XXXX phone # is XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection action apparently occurred because of overlooking changes to a computer program. I had a long standing account for auto insurance with XXXX, but decided to cancel it last XXXX. I negotiated with another company for a lower rate. However, because the notification to XXXX was not made until a few days before the policy was due, I had to sign several papers - which were duly transacted upon - including an order to cancel the upcoming payment. Somehow, these transactions probably were never entered into the XXXX computers. As a result, it automatically sent the account to a debt collection company called XXXX. My complaint is with them, because the problem with the XXXX situation has been resolved.=. I am incensed because the first that I knew that the XXXX situation had even occurred was a telephone call from someone at XXXX who called me on XX/XX/XXXX at XXXX. The woman asked for XXXX XXXX ; although that Is my husband 's name, I have never used it. I use the name XXXX XXXX. I have absolutely no accounts in the name of XXXX XXXX. My account at XXXX was under the name of XXXX XXXX. Using the name XXXX XXXX was an immediate red alert for me and I refused to " confirm '' who I was - or give these my people my address. I have since received a debt collection letter and 4 other telephone calls. I maintain that this company probably went on a fishing expedition to try to somehow guarantee to themselves that they had a lock on the account. I consider this a fraud on their part and have told them that. The fact that even the written document uses the name XXXX XXXX suggests that this company is using the most underhanded techniques - as well as abusive tactics with phone calls - and needs strong oversight from consumer protection laws. Incidentally, the amount supposedly due was XXXX..
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received the amount of {$960.00} transferred to my navy federal checking from my friend XXXX XXXX 's navy federal account. XXXX XXXX 's wanted me to withdraw the money for him from my account. I did this and got the money to him in cash. Later on Wednesday XX/XX/XXXX {$960.00} was removed from my account because of an open fraud investigation. XXXX XXXX started a fraud case and now I am a suspect even though he sent the money to me and instructed me to withdraw it. My bank Navy Federal may now suspend my account due to this incident. I have tried to plead my case with them, however, they claim there is nothing that they can do.
Product: Debt collection

I received a call from XXXX, the voice message stated the caller was XXXX with XXXX XXXX XXXX indicating " there's currently a court order being filed against you to suspend all activity with your name and social security number. To review all immediate rights and actions contact us at XXXX or press 1 now to be transferred. Thank You. '' The message repeated in XXXX. I called the number back from my work line, I reached someone named XXXX XXXX at a company called XXXX XXXX XXXX. I did find this company online, however it appears to offer legal services for law offices such as training, project management, business solutions, etc ... XXXX hung up on me when I was trying to find out what this debt was that I supposedly owed. I called back a second time, I was able to verify a debt amount of approximately {$1400.00} from XX/XX/2009 before XXXX hung up on me again. I called back a 3rd time, reached the lovely XXXX once again & after demanding a case number and account number, she gave them to me. I notified XXXX that I would be calling Wells Fargo directly ( this is the creditor she claimed contracted XXXX to file the court action against me ) as we are well-outside the legal window for collection activity in the state of CA. I contacted Wells Fargo 's Customer Service/Fraud Dept 's ( XXXX ) and their Charge-off Dept ( XXXX ). I was able to verify through my SSN that Wells Fargo does not now or ever have a record of my owing them the amount XXXX had stated, the account number that XXXX provided is not one of their account numbers ( missing digits ), I currently do not have any old, outstanding debts with them that either have been retained or sold off to an outside collection agency, and all of my accounts are in good standing. I have had it with these scam artists, it makes me sick to think about how much they're scamming from folks through their scare tactics. There has to be a way to find these people and bring them up on charges. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, Equifax and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.
Product: Debt collection

To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of Harrison Financial Group, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, XXXX. On XX/XX/XXXX, I submitted the Exempt Funds forms to the two banks in question ( XXXX XXXX  and XXXX XXXX ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the XXXX XXXX checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the XXXX 's attorney. The Plaintiff 's attorney ( XXXX XXXX, Harrison Financial Group ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.
Product: Mortgage

PennyMac took a flood insurance policy out on my behalf without my consent for additional coverage. I live in a XXXX XXXX and the XXXX  purchases our flood insurance for the full amount every year. Our master policy states full coverage and is the MAX AMOUNT that can cover my home. PennyMac has this current policy. 

PennyMac has refused to fix this issue regardless of my numerous calls and emails over the past few months. Every time I call, they say that they see my previous calls but that there is nothing that they can do at the call service level and tell me that all upper management is unable to speak to me at that time. They have told me XXXX times that a manager would call me back the same day and that has never occurred. 

My XXXX 's insurance broker was on the phone with me the last time I called ( XX/XX/XXXX ) to explain how this policy is illegal and they assured both of us that we would receive a call back that day as the managers phone was " not working '' and we have yet to get a call back. 

PennyMac has fraudulently taken money from my Escrow account to pay for this insurance that is 1 ) unnecessary, 2 ) one that I did not agree to and 3 ) is a policy that I can not recover from as my XXXX insurance policy covers everything to 100 %.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS AMEX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from AMEX Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Checking or savings account

DATE : XX/XX/2024 SUBJECT : *URGENT COMPLAINT* Unethical Account Restriction by XXXX , Inc . 

REF. ID : XXXX To Authorized Rep, I am writing to file an urgent complaint against XXXX, XXXX regarding XXXX XXXX XXXX placed on my account. On Saturday, XX/XX/2024, at approximately XXXX p.m., after sending a payment to a family member for a bill they needed to pay, my account was notified via XXXX that there was an account restriction and that I needed to provide documentation to lift the restriction. 

I immediately provided the requested documentation, which was a photo ID, and also confirmed the code received on the card linked to the account. I did all of this within XXXX minutes of receiving the notice. Despite my prompt and thorough compliance, I received confirmation that my claim was under review, but then it was immediately auto-decided to have the account permanently closed. This all happened within a span of XXXX minutes, and I am extremely frustrated because there is no way for me to contact XXXX support due to this restriction. 

What's particularly troubling is that XXXX did not give me an option to appeal their decision. Instead, they immediately declined to conduct a submission review. Furthermore, I have learned that XXXX has a history of similar actions, as other customers and users have reported similar experiences in the past. Many of them had to resort to filing complaints with the XXXX XXXX XXXX, Consumer Financial Protection Bureau, and other agencies in order to have their account restrictions lifted. 

I am disputing this decision, and I am demanding that XXXX reopen my account immediately. Failure to do so will result in me escalating this matter and pressing charges for the unethical closure of my account. 

I urge the relevant authorities to investigate XXXX 's unethical behavior swiftly. I request a detailed explanation from XXXX and a prompt resolution. Thank you for your attention. 

Regards,
Product: Credit reporting or other personal consumer reports

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XXXX XXXX, accounts removed immediately.

15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b
Product: Vehicle loan or lease

As I approached the end of my lease, I reached out to Ally to ask about the process and lease end date. After being transferred a couple of times to find someone who could answer my questions, I finally landed with someone who sounded like she knew what she was talking about. She was able to give me my lease termination date... great. I also asked her about the process to return the vehicle - she told me that I had to bring it back to the dealership I purchased from and they would do an inspection. After that, the leasing company would auction off the vehicle and depending on what was received at auction, they would bill me for the balance due. Well, I XXXX XXXX XXXX XXXX  knew this part wasn't true- this is an example of a repossession, not a lease return. As frustrated as I was, I called again closer to the termination date to ask about the process. They told me that I could bring it back to the dealership and that was pretty much it. After calling the dealership, they told me that it didn't have to be them, that I could return the vehicle to any XXXX dealership and the leasing company ( Ally ) would take possession of the vehicle and do an inspection and then bill me for any amount due. The lease termination date was XX/XX/XXXX. I waited for notification that the vehicle was processed so I knew what to expect as a bill - there was never any notification, neither mail or email. My last vehicle payment was made on XX/XX/XXXX, in the amount of {$660.00}. On XX/XX/XXXX, I received a text message stating that my vehicle payment was processed - much to my surprise, as I no longer had a vehicle payment. The amount processed was the exact amount of my payment that had been set up on auto-pay. After visiting the website to check the 'auto-pay ' feature, I saw that the button to 'enroll in auto-pay ' was disabled, leaving me no option but to leave the previous autopay in place. I reached out to Ally via phone and sat on hold for about an hour before I had to hang up for work obligations. Right after that, I reached out via their messaging center to send in a request for two things -- 1. Documentation that stated the vehicle had been processed so I knew how much I owed. 2. My money returned, as there was no longer an option to manage 'auto-pay ' as my lease was terminated. Apparently, this means that they can just reach in to my account and take money any time they want?? Case in point -- still with no documentation to state the vehicle was processed, on XX/XX/XXXX, I received another notification that my 'payment ' was processed. They reached into my account a second time and just took the balance due ( {$620.00} ) - no notification, and still no documentation that my vehicle was processed. I am extremely frustrated at this ENTIRE process, however them processing payments that were outside of my lease agreement is the most frustrating. To this day, they still have no responded to my initial messaging request sent in on XX/XX/XXXX, after the first installment of the balance due was taken without permission.
Product: Credit card

Made a payment on this business card to free up credit for the purpose of paying my contractor developer bills over the holiday. Paid XX/XX/XXXX. I called WF to verify the money would be available after making the payment and was told if I made the payment the money/credit would be available the same day. It is now January 4th 17 days later and my payment still has not posted to free up the available balance. My contractors went without a pay check over the holiday and no matter how many times I called to figure out what the problem was nothing was done about it. I was told they can freeze payment for any reason they want and I just had to wait until the 17 days which fell on XX/XX/XXXX. I was also told that the holidays did not count against that waiting time however today I was now told XX/XX/XXXX, that those holidays did count against it which may move the date even further. This payment came from my other business checking account at XXXX XXXX and that money was taken out on the next day I made the payment and not available to me from that source either. Wells Fargo has no reason to hold this payment. I have been doing business with them for over 30 years and never had an issue at all. I have paid off multiple card balances over the years without any infraction of any kind.
Product: Debt collection

MIDLAND CREDIT MANAGEM Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2023 Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX ( XXXX ) XXXX This not my account i was a victim of identify theft