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

I recently received a copy of my credit reports, and I notice there are unauthorized credit inquiries made by XXXX XXXX XXXX  on XX/XX/ and XXXX XXXX XXXX  on XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
Product: Credit card or prepaid card

I bank with Direct Express because Social Security send my money there. I have had no luck getting them to transfer my money directly to the card that I pay my bills with.they said they could do it but I still couldn't get it done because they couldn't help me. I told him I was having troubles with their automated service. Still no help. I spent hours trying to work with them but they have the worst customer service ever. I went a different route and have my money going directly to a different card now but the Social Security agent told me that a lot of people complain the same complaint. Their automated service hangs up on you and takes you in circles and other strange things. The customer agents are hardly helpful and in fact I actually spent hours getting nothing done and 9 phone calls that's today.. I can't pay my bills with this account and I have to transfer my money to my other debit card. They couldn't help me. A video recorded my last call with them. It was almost an hour long call and I let the supervisor that I finally got know that I had been documenting the entire call and she hung up on me. I was irate and that was why I was recording my whole process. I do have a video but I can't upload it. I just took a screenshot of my phone calls. You can try that number yourself and see how it is. I'm on Social Security and have a XXXX and don't need to be going through this kind of XXXX. Neither does all the other people that get their money the same way.
Product: Debt collection

I requested validation of a debt on XX/XX/XXXX from this collection agency. I have not received an validation of debt as of XX/XX/XXXX. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Wake Emergency Phys P A for them to release my medical information to a third party ( Amerifinancial Solutions ). I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any and all collection costs and medical charges -Please provide a copy of my signature with the provider of service to release my medical information to you -Immediately cease any credit bureau reporting until debt has been validated by me I have not received any information from this company. They are in clear violation and I requested deletion of this account from XXXX
Product: Checking or savings account

Early in XXXX my bank wrote me a letter saying that there was " irregular activity '' ( their term ) on my checking account and if they didn't hear from me within a certain window of time, they would freeze my debit card. ( I don't have a credit card anywhere, and I haven't been able to log into my account at the bank website or use the billpay for over a year, which is another matter entirely. ) I wrote them a letter. No answer. I wrote another letter. No answer. I wrote a third letter. No answer. The debit card is now frozen and probably cancelled, and I can't ( a ) get money out of an ATM, ( b ) shop with the thing ( though my XXXX account, which is tied directly to the bank account itself, seems unaffected ), or ( c and most important ) buy any Postal Money Orders with which to pay my rent -- and my landlord is getting unpleasant. I am still getting alerts for my monthly online statement ( so the account remains active ), but since I can't log in, I can't check it and see what this " irregular activity '' is. I want an answer and I want it IMMEDIATELY.
Product: Checking or savings account

This bank allowed a fraudster to open a checking account in my name without providing any identify verification. Everything was done online and because they have a policy that the account will only stay opened if it is funded within 30 days, they received {$1.00} so they did not close the account despite not getting identity information. When I went to the XXXX location, I worked with XXXX XXXX who called the fraud department and even though I have made XXXX other phone calls and had an investigation into this account, no fraud case had been opened. The account was locked and online banking was locked but no fraud case. I had to take off work to deal with this, run around collecting all of my identity documents and drive an hour there and an hour back because of this negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This week, I received a call from XXXX XXXX XXXX. XXXX XXXX called me from a XXXX XXXX,XX/XX/XXXXnumber ( XXXX ) yesterday ( XX/XX/XXXX ) and left a voicemail that stated I had a claim attached to the last XXXX digits of my social security number. XXXX XXXX even spoke those last XXXX digits out loud in the voicemail. He continued to say that either me or my attorney should get back to him as soon as possible. 

I returned XXXX XXXX 's phone call this morning ( XX/XX/XXXX ) at XXXX. XXXX XXXX did not handle my phone call. Instead he connected to a man named XXXX XXXX with XXXX XXXX XXXX. XXXX XXXX indicated that I had an outstanding debt with Check-n-Go of {$2000.00}, and I abandoned my payments to this creditor. I asked him when the last payment was on the account. He couldn't tell me. He did tell me that it was last serviced on XX/XX/XXXX and that XXXX acquired their services to get payments on the debt. Since my identity has been stolen twice in 20 years, which I explained to XXXX XXXX, I needed him to send me a Validation of Debt letter within 5 days of our phone call to verify the original debt and original creditor, how I could get a hold of them, all of his business information, last dated payment on the debt, and how I can dispute the debt. Instead of agreeing to the letter being sent, XXXX XXXX proceeded to argue with me and told me a sheriff would be out to my house to serve me papers, and I would see them in court. He repeated this multiple times while I continued to explain he must send me a Validation of XXXX letter. 

Here are the important parts of this entire thing that deeply concern me : XXXX ) This company had my social security number - or at least part of it. AND XXXX ) I never had a payday advance with Check-n-Go -- -EVER. I have never used Check-n-Go in my life. 

This is a fraudulent debt. XXXX threatened me with legal proceedings, never agreed to send me any type of debt validation to show the debt as valid, and they have my social security number.
Product: Debt collection

I PAID THIS PROPERTY IN FULL AND THEY ARE TRYING TO COLLECT MONEY THAT IS NOT OWED TO THEM.
Product: Credit card

I signed up for a Capital One credit card ( XXXX XXXX ) card on XX/XX/XXXX which clearly stated a new member offer sign up bonus of {$200.00} would be applied after {$500.00} spent on the card. This came directly from their website and can be easily found when searching up Capital One XXXX  XXXX. 

After a few months go by and after having met the criteria of spending the {$500.00} on the first month, I give Capital One a call asking where the welcome bonus is to which they tell me Im not getting it because I did not qualify for it. And that it said that when I signed up for it. This is absolutely not true as I reviewed the account opening documents ( which I will attach a PDF copy of below ) and nowhere in those documents did it mention anything about not being eligible to receive the promised welcome bonus that was mentioned on the website. This is absolutely unacceptable and fraudulent behavior on behalf of capital one for lying to and deceiving new customers with empty promises. Not to mention 5 minutes of research will show the pending class action lawsuit for this very reason
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 was a victim of fraud. my account and card was hacked. I reported the claims but my fraudulent transactions disputes claim was denied. They said they investigated XX/XX/XXXX XXXX XXXX*XXXX  XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Total of {$1200.00}
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX have violated my rights by publishing misinformation about my financial situation and refusing to correct it. 
The credit bureaus violated 611 by failing to investigate or correct inaccuracies within 30 days.

The bureaus failed to uphold 607 ( b ) by allowing false information to remain on your credit report.

They are in breach of 623 by not ensuring the furnishers corrected or verified the information.

If outdated information appears, reference 605 ( a ).

Specify the harm youve suffered and state that their actions or lack thereof may constitute willful or negligent noncompliance under 616 and 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current score with Experian is over 100 points less than XXXX and XXXX. Nothing is ever updated, not paid accounts, not on time payments nothing. In the past year it has changed maybe twice. When I called to ask why they arent updating my information and why are they the only credit company not doing so, the representative told me they dont know and to wait. I understand that the scores from all three would differ but at a XXXX point gap, that is egregious and without any explanation. No agent has explained why and Im wondering if this is discriminatory. I need this investigated and rectified. In addition, Experian has Experian boost. I have tried to link my bank and they didnt have it, but stated it would be available within a three month period so I could update it. This was a year ago. They still havent included the bank and when I call, the agent, it seems, didnt know. Once again.
Product: Debt collection

Credit Control willfully failed to provide any of the requested documents or a contract. Please see attachments.
Product: Credit card

On XX/XX/XXXX citicards pulled my credit report and approved me for a credit limit increase on my credit card from XXXX to XXXX. There was negative information on my credit report at the time ( a bankruptcy filed XX/XX/XXXX ), however, my credit limit increase was approved. Since that increase in XX/XX/XXXX I have used my account in accordance with the terms & conditions, however, I am now being turned down for increases because of my bankruptcy on my credit report. 
With this in mind I feel unfairly discriminated against.
Product: Credit card or prepaid card

I have had a synchrony bank Walmart credit card for 2 months now and when I make payments, They will take the money from my bank account within a day but do not replenish my credit line for 10 days and say it's because I have made more than one payment in a billing cycle. So they take my payment and say it's posted but do not release my credit line. It seems suspicious and if they held enough payments from people for long enough it sounds like some type of gaining interest scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 USC SECTION 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
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. Account name : 1. XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Vehicle loan or lease

They are inaccurate items that i found on my credit report that is damaging my credit score for late payments with the company FLASGSHIP CREDIT ACCEPTAN. That i payed on time. Never receive a email or mail about due date or late payment. the company reported late payment on. XX/XX/XXXX, XXXX XXXX. XXXX XXXX and XX/XX/XXXX. also on my credit report I have two months charge off on all three credit bureau in XXXX and different months. I still have the car and still paying my loan on time. With this charge off i should ( not ) be paying interest on this loan still, when it's a write off with the IRA meaning the company have been payed. 
Please investigate immediately or I have to take legal action with my attorney. 
By LAW 15 U.S. CODE 1666B : Timing of Payments 15 U.S. CODE Chapter 41 : Consumer Credit Protection 15 U.S. CODE 1605 : Determination of Finance Charge
Product: Credit reporting or other personal consumer reports

It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
JXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. 
However, their lack of response or assistance has further compounded this issue. 
The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report. 
I want to make it abundantly clear that I will not tolerate any further delay or negligence in addressing this matter. Failure to take immediate action to rectify this situation will leave me with no alternative but to pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) to protect my rights and seek damages for the harm inflicted on my financial well-being.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX received {$23000.00} from haf funds to cover my XXXX  forbearance debt. They applied the funds to every payment I missed which included principal interest and taxes and insurance. During forbearance XXXX obviously covered my insurance and property taxes for me and when all payments were made with the HAF funds any money they paid forward would have been repaid but they took a separate {$14000.00} solely for escrow as well. Approximately {$4000.00} of that approximately {$14000.00} was for predicted end of XXXX tax and insurance coverage however the other approximately {$10000.00} was said to be to cover money XXXX  paid forward during my forbearance. Being that they applied the full payment amount which includes escrow for each month I was in forbearance this money was already paid back in said payments. So they double charged me. Also per haf fund guidelines they were not allowed to charge late fees and they charged me numerous late fees in various amounts. All over in the documents and statements are numerous servicing fees at random amounts, one being for over {$4200.00}. Then after receiving haf funds, applying the payments in full and taking double on separate escrow costs as well they went and reported twelve late payments to the credit bureau. I have had this mortgage since XXXX of XXXX. I applied for and accepted one modification offer in the beginning of XXXX after losing my job to XXXX however when I went into forbearance in XXXX of XXXX I was completely compliant so if all payments paid with haf funds were to be made as though current and on time how is it that they could pull me out of the modification and charge me over {$6000.00} in late payments and fees. As of right now after complying and following my mortgage and modification compliantly for almost six years they report that with an original loan balance of {$75000.00}, I currently still owe just over {$74000.00} still. It's impossible, it's wrong, it's out right fraud and I know I am not the only one. XXXX had me locked out of my account from XXXX to XXXX of XXXX. Then when I began the investigation they sold me over to shell point to try and hide their crimes but everyone knows shell point is XXXX  hiding under a different name. I am sure they have more than likely frauded nearly all of their clients however I am concerned with their fraud of me and my account. I should be at approximately {$53000.00} balance currently and according to them I've paid less than a XXXX in almost six years.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiries : XXXX XXXX  -Inquiry date XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C 1681 ( 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, credit repair services, or other personal consumer reports

Equifax refuse to correct my personal information such as my name. My name is misspelled. It's a SIMPLE FIX! I've sent in dispute letters with a copy of my driver 's license and social security card and my name is STILL misspelled. At this point they are knowingly supplying incorrect information and is a violation of the FCRA