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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX CARD # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Transferwise Account notified that they are deactivating my account due to risk tolerance. I've ensured and provided all documents which are confirming that the funds were transferred within the policy the funds are transferred from XXXX, and this is within policy. 

XXXX XXXX XXXX XXXX - receiving payouts from e-commerce and freelancer platforms ; Which is the policy I have been using and my funds are stuck within Wise and their isn't any response on the appeal they've requested to be filed. I've been following up and I keep on getting notified that I am going to get a review in 24-48 hours and nothing is done. And they aren't even transferring my funds to my bank account which is making me stress even further.
Product: Credit reporting or other personal consumer reports

This is really insulting, my right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what is being reported on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my XXXX XXXX and impacting my life negatively.
Product: Mortgage

I saw a report on XXXX XXXX about zombie 2nd mortgages & felt I needed to submit a new complaint. I have been a legal assistant in AZ for over 30 years. I filed XXXX XXXX XXXX in XXXX & received a discharge in XXXX. During my XXXX, my XXXX ( $ XXXX ) & XXXX ( $ XXXX ) mortgage servicer ( XXXXReal Time Resolutions ) foreclosed & was required to reverse the foreclosures. I never received any supporting docs about the fees charged. The Judge ordered me to modify the XXXX & they added more fees. In XXXX, I got divorced and sold my home. Real Time charged me over $ XXXX in default interest on my $ XXXX HELOC. I want people to know what these crooks do to collect their money.
Product: Student loan

Today I contact Navient as a result of learning a company that was managing my loans ( XXXX XXXX XXXX XXXX ) was suspended and under a lawsuit submitted by the FTC. When contacting them today and within the last few months, I informed that I did on any call to Navient the XXXX was managing my loans. Each representative stated, we aren't affiliated with that company and it was not until today that I was given a telephone number to file a complaint about paying this company to manage my loans. After attempting to submit an IDR application and learning that my payments would be $ XXXX+/months, I logged in to my account and notice my loans had increased by {$20000.00} since 2015. Outrageous! The representative told me the only option I had was to go into forbearance plan where she then mumbled off a disclaimer about paying interest but never mentioned my interest rate would increase. I am single and pay a mortgage and car note and other necessary bills alone and I don't even have credit cards as I manage my debt responsibly. I filed a complaint with the FTC about the XXXX in which I have paid over {$2500.00} to since XX/XX/2015 in which I was told my debt would be reduced from {$62000.00} to {$40000.00}. I was sent a contract that showed my payment to XXXX would be {$100.00} per month will I paid about {$75.00} to Navient. I was told the {$40000.00} would not reflect until the end of the XXXX year contract. I am learning that none of the money I paid to XXXX went towards my loan and only today did Navient mention I had been in forbearance for XXXX out of XXXX allowed months. I have been left no option but to go back into forbearance since I could not pay {$500.00} payments due to my loans having increased from {$62000.00} in 2015 to now {$80000.00}. I have never been late on any payments to either Navient or XXXX. I do not understand how the XXXX was allowed to scam students for this long. Navient also took advantage of the situation and accepted all documents from XXXX and increased the interest rate without my knowledge especially since I did not submit the documents directly to them. I am requesting that I be refunded my money not only from the XXXX but Navient completely forgive my student loans! A formal lawsuit should be filed against Navient as I have been an honest paying citizen who was taken advantage and now being asked to pay {$80000.00} in student loans and now only being given a reasonable payment of a car note with no other options but forebearance. I have all the documents that show the contract that was presented and the interest rate increases of Navient ; however, I am unable to attach them to this complaint since they all include my SSN, account numbers and/or address. I would like for some assistance with the balance of my loans. Help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2016 as we were closing on our house our credit was pulled one last time and we found out a account was opened at Best Buy by someone who stole our info while applying for our home loan someone associated with our lender took our info and applied for a Best buy card. We called Best Buy they researched it the people bought thousands of dollars worth of merchandise they maxed out the account they opened and Best Buy acknowledged it was fraud and not us who opened the acct. We asked the account be closed and not be reported on our credit. We found out the name and social didn't even match to us yet this showed up on our credit report and we have been trying to get it off since XX/XX/2016 with no luck. Best buy tells us to contact the credit bureau which we have disputed this on our report a few times. The credit bureau says to contact Best Buy to have it removed we have and still it remains on our report.
Product: Debt collection

I sent out letters in XXXX then again in XXXX, I received the last receipt from company theyre collecting for but nothing showing what I requested. Im still getting excessive text and phone calls regarding a debt they have yet to send me proof for them collecting anything from me. I would also like to make sure that I no longer receive text or phone calls without the information I have requested and to not see anything show up on my credit report or anywhere else.
Product: Debt collection

On XXXX XXXX XXXX obtain a mortgage from Bank of America in which time. I was never on the loan but was on the deed. In XXXX, I filed for separation and was in the process of buying my own home and I was advise to have my name remove from the deed in which I did my legal representation. In XXXX, I purchase my own home no credit issue. Well, in XXXX, I pulled my credit report from all XXXX bureaus and to my SHOCK Bank of America added it to my credit file. After 14 years it just popped up there. I immediately called BOA and no one could explain but advise me to write to the XXXX in which I did. I sent documentation that XXXX XXXX had to send a authorization so I could speak on the loan back in XXXX. I also mailed payment coupon and correspondence with only his name. My name was forged to the document on XXXX when the payment coupon was mailed. Bank of America forged my name to the document. They have also viewed my credit but never did an inquiry so it shows that I never applied for credit with them. This is going over year now and finally it was deleted from XXXX and XXXX at this time but XXXX is reporting inaccurately. I applied for credit and was denied due to this forged information placed by Bank of America. Bank of America have since transferred this account. But I need for them to update XXXX. Also XXXX would not let you continue to disputed a item online. I read from one of your consumer letter that they had the same issue. Seems every company treat you however. I 'm just trying to resolve this issue that has cost me a denial at know fault of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018IhadHardinquiresonmycreditthatIdidnotauthorizeandthecompaniescannotshoworprovewhereIgavethempermissiontorunmycreditIhavetalkedwithallcreditbureausandtheyallsaytheycannotandwillnothelpordoanything
Iamattachingalistofcompanysthathitmycreditsomeevenhittwicein1day
IamlookingfortheprovewhereIgavethempermissiontorunmycreditreport
Product: Credit reporting or other personal consumer reports

I've been a victim of a data breach that's resulted in identity theft. Under 15 usc 1681 I have a right to privacy. I'm requesting a re-investigation on the accounts that I've disputed based on 15 usc 1028a aggravated identity theft. on XX/XX/year> I've disputed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which came back verified.
Product: Credit reporting or other personal consumer reports

I requested that the bankruptcy be removed from my credit because the US BANKRUPTCY COURT does not report to the credit bureau. Both equifax an XXXX refused to remove the information stating the information is accurate. The information is not accurate because I resolved the debt myself an the bankruptcy was dismissed on top of the reporting issue.
Product: Debt collection

I am writing to address the fraudulent accounts associated with my name and identity within your system. I have undergone the necessary steps to process an identity theft investigation, and I am enclosing the Identity Theft Affidavit along with this letter as evidence of my claim. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX
Product: Mortgage

I began this process in XX/XX/XXXX. We are currently in XX/XX/XXXX. That is 28 months now. I feel like I am being stonewalled and they keep asking and asking and asking and asking for documentation that I feel I have already provided and which should be obvious for them to find by looking at the tax returns which I have already provided. I really would like this thing to wrap up as 28 months is a long time to wait and every month that this doesn't get done it is ruining my credit and making it difficult to impossible to conduct normal business.
Product: Bank account or service

At the time, in early 2015, I was a customer of Bank of America, living in XXXX County, Virginia. I had several unauthorized charges on my account, and as soon as I noticed them, I contacted BofA 's fraud hotline and had them begin an investigation, with some of the money temporarily returned to me. I was supposed to receive some forms in the mail, including affidavits to sign, however I never received these documents. Subsequent calls to Bank of America told me that the documents were on their way and not to worry. Then, suddenly, out of the blue, Bank of America closed my account without warning and sent a letter of explanation that said I was severely overdrawn because they had removed the temporary credits because I had not turned in those signed affidavits that I had never received. Now I have a permanent black mark on my credit report and am blocked from re-opening my account at Bank of America. Since this was n't my fault and I made several reasonable attempts to resolve the situation by following through on their legal requests of me, I would like this decision to be reversed and to be allowed to bank with Bank of America again.
Product: Money transfer, virtual currency, or money service

Paypal took {$5000.00} from my available balance in my business account and set it aside as a " reserve '' fund. They said this was done because my business is new and it would alleviate the risk of potential customer charge backs. They said this money would be held for 90 days and would be released on XX/XX/XXXX. I have reached out on 4 different occasions after XX/XX/XXXX to try to have my money released and no one at any department on their customer service line can help me reach a resolution. The reps always tell me that they will submit a request to the back office to have the funds released and I will get them back in 24-48 hours or I will receiver an email explain why my request was denied. I have not received any emails regarding my issue and the money is still being held. I can not reach anyone at the company to escalate my issue.
Product: Checking or savings account

I have had a Bank of America Business Adv Unlimited Cash Rewards credit card ( XXXX ) since, I believe, XXXX of XXXX. 

In XXXX of XXXX, I went into a Bank of America branch in XXXX to speak with a business XXXX about my credit card account and the possibility of product changing from my Business Advantage Unlimited Cash Rewards credit card to another card. I did not make an appointment and simply walked in. 

While in the branch and waiting for the specialist to receive an answer from his manager regarding a question, my banking specialist informed me of a promotional offer for a business checking account - essentially, if I opened a business checking account and deposited more than {$30000.00} in the first 30 days and maintained that balance for another 60 days, I would receive a cash bonus of {$1000.00}. 

The representative emailed me a link to apply for the checking account and I filled out and submitted the form from my phone while sitting in the branch while we waited for an answer. I did not maintain a copy of this email - I used it to apply and deleted it. 

As per provided documents, I satisfied the conditions of the promotion, but have not been awarded the bonus. I called BOA sometime in XXXX to inquire about the bonus and while the representative was sympathetic, they asked for a specific promotional code to enter into their system. I explained that I didn't have a promo code because I was targeted for the offer in-brand and simply clicked a link, and they said that they'd speak to a manager and get back to me. I never received a return phone call. 

Subsequently, I have XXXX  the issue and it seems like several other people online have had similar problems -- other people have received links from bankers and not had the bonus applied, and have spent time on the phone with BOA staff trying to apply a promo code to the account after the fact. I have tried to do this several times but have been met with long wait times. 

Appreciating that I have been a Bank of America business customer prior to this promotion and have maintained my balance in the account ever since, I would appreciate some assistance in resolving the matter. 

Thanks.
Product: Checking or savings account

Citibank started the process to close my account XX/XX/year>. My funds are not available to me and closed my account according to them for not complying with the customer manual. I made a report of an unknown charge and now they closed my account and want me to wait 30-60 business days to return my funds. This can cause me to become evicted, unable to work and repossession of my vehicle. The only amount on this account was the only money available to me and was from my work as a teacher and my IRS tax return which can be verified in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back in forth with these companies for months now. the last letter I received back was on XX/XX/, and they are not telling me nothing on why they arent taking these fraudulent accts off of my profile. I have sent the bureaus police reports and letters explaining I was a victim of Identity theft and that these accts do not belong to me. There is a XXXX  XXXX and a XXXX XXXX XXXX that arent mine.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to US BANK about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX # XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Product: Bank account or service

I have a XXXX 2017 statement showing XXXX separate ach debits of {$100000.00} from Capitol One 360 { a subsidiary of Capitol One NA }. 
The XXXX individual debits went to XXXX individual accounts at XXXX Bank where the ach transfers were initiated XXXX of the {$100000.00} deposits is missing and neither bank can locate the missing funds since XXXX XXXX, 2017 There were XXXX conference calls between the XXXX banks and myself each lasting over hour and a half with no result only promises of giving top priority to finding the funds.THE FUNDS ARE STILL MISSING It defies logic XXXX of the {$100000.00} debits below is missing. 
Apparently no receipt or proof of acceptance of funds is recorded in an ACH transfer?? In my opinion when banks lose funds and can not account where they are its criminal. They put the depositor in a XXXX situation forcing them to file complaints and eventually will have to pay for an attorney to get back THEIR money. I AM A XXXX XXXX OLD SENIOR ITS NOT FAIR XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX is fraudulenty claiming a debt in the amount of {$510.00} on XX/XX/year> and XXXX XXXX XXXX XXXX on XX/XX/year> is fraudulenty claiming a debt in the amount of {$1100.00} has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

violation of 15 USC 1681 ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

15 U.S.C. 1691 ( e ) ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. 

15 U.S. Code 1692c - Communication in connection with debt collection. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Money transfer, virtual currency, or money service

I was scammed someone got into my zelle and sent money that I never approved XXXX told me I couldn't get it back
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update and remove these accounts immediately! 

My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX. I am not affiliated with the following addresses. Please remove from my credit report immediately. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My employer is XXXX. Please remove XXXX XXXX XXXX XXXX. 

Per 15 U.S. Code 1681B, 1681C-1, and 1681C-2, the following collection accounts are violations of the Fair Credit Reporting Act. Please remove the following collection accounts. immediately. 
- DPT EDXXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) o These loans are showing 90 days late and greater. However, the previous month are on-time payments. Please remove these accounts since it is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) o The payment history data is incorrect. It shows on-time payments on XXXX but 30 days late on XXXX and XXXX. Please remove. 
- XXXX ( XXXX ) o Please remove all late payments. I have never made a late payment on this account. 
- XXXX XXXX ( XXXX ) o The payment history data is incorrect. It shows on-time payments on XXXX XXXX XXXX but 30/60 days late on XXXX. Please remove. 
- XXXX ( XXXX ) o It shows on-time payments on XXXX and late payments on XXXX. I have always made on-time payments on this account.