23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 of XXXX / XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 am having an ongoing issue with them. For example on XXXX I was charged a fee of XXXX dollars for supposedly having insufficient funds but I transferred the money from my savings to my checking account. This has been an on going issue for years and every time I call them to get answers they always say that the money was not transferred and that the app is different form coming in and making the transfer. Wells Fargo has an extra day grace period and they are still claiming that my money was not transferred in time. XXXX XXXX owes me over XXXX in lates fees because this has been going on for years.
Product: Mortgage

I have been diagnosed with XXXX, XXXX XXXX, and XXXX and i am under a doctors care. The past XXXX years i have been unable to work steady i have fallen behind. In addition the current interest rate on my loan is 6.5 % and had tried XXXX times for a loan modification over the past 4 years and i was denied every time, had i had a reasonable interest rate i would have been able to hang on. I now have a family member that can buy my home from me for the note and stop the foreclosure but need to get in touch with the bank to see if they will work with me thru this process so they can get paid off and I can stay in my home. 
I have been unable to get a contact at XXXX XXXX or NationStar, The servicer, that can help me or put me in contact with someone that can assist me. i need assistance.
Product: Mortgage

U.S. Bank gave us a predatory Loan that we still hold on to this day. The Attorney XXXX XXXX of Oklahoma, never demanded that they fix the loan, and used the money for the XXXX in his state for travel, dining out and other inequities. This is a disgrace to the consumer when you do not know when your home will be paid off.
Product: Debt collection

Following a thorough review of my current credit report, I noticed several accounts that are fraudulent and were added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Accounts : XXXX XXXX XXXX Account XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  # XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 Also the credit bureaus took more than XXXX days to complete my investigation, here is my certified mail tracking # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I submitted another complaint to Amerassist A/R Solution because my first complain was not responded to. I stated more facts and violations that I caught the second time around and got a response in nearly 7 days from the General Counsel. the problem is the response from General Counsel, XXXX XXXX XXXX, only address part of the issue. It simply does not provided answers to why they refused to update my status to disputed and, apart from what they have said, have yet to VERFY the said debt or answers how they support their allegation of giving a loan to a consumer who holds an open end credit plan according to 15 usc 1602 ( J ). 

Secondly, I disputed the validity of the debt to which you sent, a RETAIL INSTALLMENT CREDIT SALE CONTRACT. You then said the debt appears to be legitimate, aka valid. As a consumer, I know that when someone says something appears to be a way, that they are reporting what they believe or what they have been told, though they cant be sure it is true. Where are the facts? Once again, a debt has to be VERFIED to be valid. You simply went around that question. You responded by saying, Amerassist has marked its files to indicate that Ms. XXXX disputed the debt. So what about providing VERIFICATION? This should have been provided the first time, and Amerassist choose to let this linger because they know that once a consumers credit report shows they have disputed a debt, the debt collector must obtain verification ( not validation ) for the said debt according to 15 usc 1692 ( g ) ( 4 ). Furthermore, choosing to continue with your collection practices, willfully and knowingly, without properly providing proof, is a violation of 15 usc 1611 ( 1 ) ( 3 ). Congress says, whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, and ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. So, once again, if verification CAN NOT be provided the debt has to be removed. Sending another contract that contains fraud, simply will not suffice.
Product: Credit card or prepaid card

Today XX/XX/2021 I received a denial letter in the mail. The denial reason had nothing to do with my lack of credit worthiness. The denial reason was identifying information didn't match. My credit score was listed as a XXXX on the letter which isn't the best but definitely worth an approval. I also was approved for XXXX when I pre-approved which is the only reason I even applied. This pre-approval is a misrepresentation and created an adverse action. I received nothing but I am sure XXXX has received compensation for my personal data. I have received nothing in return for my personal data
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it XXXX any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Debt collection

I XXXX XXXX am a member of the XXXX Community. It is my belief that I am part of a minority that is easily targeted by collection agencies, or as in this particular case a debt buyer. But here is where the problem starts. A company by the name of XXXX XXXX XXXX claims that they are now collecting a debt on behalf of the current creditor known as XXXX XXXX XXXX XXXX No. XXXX LLC. This company is a scam. There is no connection to ownership of the original credit card I had with Capital One. Simply because this agency send to me copies of credit card statements for the past 18-months does not prove that the original debt was actually purchased. Capital One is  also part of the same scam. All of Capital One credit cards are securitized, and it makes no difference if my credit card limit is {$500.00} of {$500000.00}. The fact remains that there is no method on Capital One pulling this securitized debt obligation from a trust under the Securities and Exchange Commission Act. Therefore, I demand a full qualified request of the debt ownership. I demand this full inquiry on documentation immediately, and a cease and desist on all calls to any of my phone numbers, including any relative. Debt buyers are running the largest financial scam in America, and they are targeting minorities such as myself. The Consumer Financial Protection Bureau must take this complaint seriously. This collection must be rescinded immediately and permanently!!!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was out of a country for 10 years and after I returned to the XXXX, I found someone made some unauthorized transaction with some credit card which I am completely unaware of. Is that the way you treat and welcome the other country folk with so much hate and discrimination? I am appalled and disheartened to witness that type of customer service and hostility. However, I still have hope that some good people still exist on earth and justice will prevail. Imagine someone misused your card and make charges against you on your incognizance, will that be fair to you? 

So, I request Citi bank to kindly escalate the matter to inform the Bureau to remove the flag of charge off against my credit report that is defamatory, derogatory, completely illicit, unauthorized, and happened without my knowledge and permission. As a guardian of the citizen and their well wisher credit Bureau will understand the fact and situation of the matter and assist the victim to get rid of the false flags.
Product: Checking or savings account

On my statement it shows where there was a XXXX debit withdrawal made from my account on XX/XX/XXXX. I have not had a working debit card since XX/XX/XXXX for this account. They will not give me any explanation concerning this matter when I call the bank, just keep sending me to their automated system when I request to speak to somebody.
Product: Credit reporting or other personal consumer reports

I have a collection for utilities from XXXX XXXX radius global solutions XXXX I never providing any personal information so by law this collection is false and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

I am writing to request an investigation and correction of late payments that have appeared on my credit report. Upon reviewing my credit history, I noticed inaccuracies regarding the timing of payments for certain account XXXX XXXX XXXX  XXXX XXXX.
Product: Bank account or service

I was XXXX for XXXX yrs. and in this time Wells Fargo opened several different accounts in my name and then deposited my inheritance from my actual account to these false accounts and left me with nothing. I have filed police reports and tried to contact Wells Fargo about it and they refuse to acknowledge anything. Please help me recover over {$130000.00} from my mothers inheritance and monthly payments from her XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask new card and never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My wife and I purchase a home in XXXX, we both worked and had incoming coming in. In XXXX my wife was injured by a medical professional and had to receive multiple XXXX to correct her medical issues. She can no work and is apply for XXXX at this current date. We were never late on our home mortgage till the medical issues started. XXXX XXXX/XXXX XXXX would not work with us on the mortgage starting to be late for 3 years. Even with medical proof my wife could no longer work. After a long exhausting 3 years we sold the home and started renting and downsizing and payed off our debt. I tried to reason with XXXX XXXX to have the late payments removed from our credit report but they would not help. My wife and I still can not apply for a home loan because of reported late payments. We closed on XX/XX/XXXX. They still counted XXXX as late payment even when we closed in XXXX and payed off the balance of the loan. Is there anything I can do? Or you can do to help me? 
Thank you XXXX XXXX XXXX XXXX
Product: Debt collection

Continue to call stating my phone number is tied to debt. Asking for my ss #. Stating " I'm very behind on payments ''. I've never had a loan with this company, ever.
Product: Debt collection

I was notified by XXXX that in 2017 a rental debt was placed on my credit report. Although, the debt in question does not and has never belonged to me. I immediately went to the apartment located on the file, they stated that they couldnt help me, as my name was the name on the lease and I didnt match the photo. I expressed to them my identity had been stolen, but they were unwilling to give me any further information. I then proceeded to call the debt collection agency, which also stated that the debt was in my name although I had never lived there. They stated that I would have to pay, regardless. For the past few years I have been attempting to dispute it off my credit with no success. The debt collection agency will not remove it even though though I can prove they lady in photo isnt me.
Product: Money transfer, virtual currency, or money service

Last Monday, XX/XX/XXXX at around XXXXXXXX XXXX, I received unsolicited multiple text messages from Remitly stating that " We were unable to process your transfer to XXXX XXXX we need additional information from you. Log in to your Remitly account for details. 

Remitly knows that my account is already closed! because it was REMITLY themselves who closed this account because of unrecognized transactions that were made without my knowledge! I HAVE NO INTENTION OR INTEREST TO SEND ANY MONEY TO ANY PERSON I KNOW OF! 

I REPEAT, I NEED MY MONEY BACK WORTH {$9900.00} THAT ARE IN REMITLY ACCOUNT FOR TWO ( 2 ) MONTHS NOW!
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : I am disputing why my credit score dropped XXXX points in XX/XX/2022 for my XXXX XXXX mortgage account upon coming out of my CARES Act Forbearance. This is unfair & detrimental to me given that my mortgage company offered me NO normal alternatives for coming out of my forbearance. Contrary to what they told me when I entered into the forbearance, they would not allow me a deferral nor a loan mod. I had to fight and escalate this matter for over XXXX YEAR to get them to take the appropriate action and now my credit has suffered as a result? XXXX XXXX has known instances on record where they do not honor normal remedies for coming out of the XXXX XXXX forbearance which has caused many of their customers to lose their homes. I am thereby requesting that this be remedied & reflected appropriately on my credit report. I do not understand why my score took such a drastic hit given that I have no late payments recorded and was able to make partial payments throughout the duration of my forbearance period. The loan XXXX was not under a federal government plan simply because XXXX XXXX would not allow it to be as such. The only reason the mortgage amount had increased by {$10000.00} was because XXXX XXXX wouldnt remedy the situation sooner. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was working on an identity theft breach on the Experian website where someone opened a checking account in my name. At this time, I discovered that my account information for contacting me about disputes is going to the wrong person. Thankfully, the person receiving all the correspondence happens to be my husband. While I was on the phone with the Experian escalation department, I asked them to correct my userid and password, so that I could get access to my Experian credit report online. On XX/XX/XXXX, I spoke with several individuals, including the member service dept. I was told to send over proof of identity. Once the proof of identity documentation was received, I was told that someone would call me. I faxed over the information requested by Experian with a cover letter and referenced the case id number I was given. I never received a phone call. When I tried to call back to follow up about the status the next day to make sure the fraud department received proof of the identity documents on XX/XX/XXXX, I could not get a person on the line because the automated service is limited on the responses I give. Tried again after months of frustration on XX/XX/XXXX and got the same response. I tried the automated system in hopes of speaking to a person. I spoke to XXXX and XXXX. XXXX just transferred me back to the automated system because he said the userid and password issue is a member service issue. The automated system connected me to XXXX. I asked XXXX to get me a person on the phone or the direct number to the member service department because the automated service didn't like my responses and kept disconnecting me. XXXX told me that he couldn't help me because " Experian 's company policy forbids them to connect me someone in another department directly and risked losing his job. '' I asked if he could get his supervisor on the phone and he said " The supervisor would do the same thing. '' So if I can't speak to a person to correct this problem, then how do I fix the problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The following accounts are involved : Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$370.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30000.00} XXXX XXXX  XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date XXXX XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Subject : Complaint Regarding Incorrect Name on Credit Report Dear Sir or Madam, I am writing to file a complaint regarding an error on my credit report with Equifax, one of the three major credit reporting agencies. On [ XX/XX/year> ], I discovered that Equifax had changed the name listed on my credit report to " XXXX XXXX, '' which is not my legal name and does not match the information on my drivers license, rental agreement, or any other official documentation. 

This error raises significant concerns about the accuracy of my credit report and its potential impact on my creditworthiness and financial activities. Despite my efforts to maintain accurate information with all credit bureaus, this erroneous update by Equifax is alarming and needs to be resolved promptly. 

Details of the Issue : Current Listed Name ( Incorrect ) : XXXX XXXX Correct Legal Name : XXXX XXXX XXXX Date of Discovery : [ XX/XX/year> ] Supporting Documents : [ Driver 's License, Rental Agreement, etc. ] Steps Taken to Resolve the Issue : I have contacted Equifax directly to dispute this error and provided supporting documentation to verify my legal name. However, I have not received a resolution as of this date.

Request for Resolution : I respectfully request that the CFPB investigate this matter and assist in ensuring that Equifax corrects the inaccurate name on my credit report immediately. Additionally, I would appreciate guidance on how to prevent similar errors in the future and protect my credit profile from inaccuracies. 

Thank you for your time and attention to this matter. 

Sincerely,
Product: Checking or savings account

The company had false advertisement to allure new customers to open a new account with them. They declined the {$400.00} open account bonus that I am entitled to get. Their offer terms on the website says " earn your {$400.00} business checking bonus by opening a new business checking account between XX/XX/XXXX and XX/XX/XXXX ''. 
I entered the promo code for this program and submitted my application online on XX/XX/XXXX at XXXX. 

All terms were met and I had contacted them more than 10 times over the phone and spent hours and days on getting this {$400.00}. Finally they declined by saying the account was approved on XX/XX/XXXX which made me disqualified for the bonus.