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

NOTICE OF ILLEGAL CREDIT INQUIRIES PERFORMED BY XXXX XXXX  AND EXPERIAN ATTN : XXXX  XXXX  AND EXPERIAN XXXX XXXX  performed two illegal credit inquiries on my credit file with Experian between XX/XX/year> and XX/XX/year>. I never gave XXXX XXXX  permission at any time whether oral, written or non verbal to check my credit at any moment without my knowledge or consent. Experian I did not give you permission to let XXXX XXXX check my credit without my written knowledge or consent. In summary the Fair Credit Reporting Act lists only four permissible purposes for pulling a consumer 's credit report : a firm offer of credit, insurance, an application for employment or a court order. I have attached a copy of the Fair Credit Reporting Act for your convenience. There is nothing in the Fair Credit Reporting Act that gives permission for creditors to perform illegal credit checks under the guise of an " account review. '' In addition this " account review '' was performed by XXXX XXXX  as retaliation for a previous complaint involving an illegal credit check. Using the attached Fair Credit Reporting Act, I am requesting both XXXX XXXX and Experian state which section allows credit checks to be performed without written consent of the consumer. According to 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am requesting proof that the two illegal inquiries fell under the four permissible categories. I am further exercising my legal right to ask for verification. I am requesting the names and titles of the persons who pulled my credit, the dates they purport that I gave written permission ; and the method they purport that I gave permission. Please provide documentation of said permission. 
In addition Experian, I placed a temporary credit freeze on my Experian file as I am disputing various inaccuracies. The credit file should not have been released unless I lifted the freeze. 
I am attaching letters from XXXX  confirming the illegal credit inquiries. These illegal credit inquiries show inaccurate accounts that Experian knows are inaccurate. These illegal inquiries also resulted in adverse actions including the 95 % reduction of the credit limit on a XXXX XXXX XXXXXXXX account that had a XXXX balance for XXXX years and a {$13000.00} credit limit. The credit limit on the XXXX XXXX  credit card had an approximate credit reduction of 75 %.
Product: Checking or savings account

Dear concern regarding of Capital One I am writing to request a review of the recent decision to close my account ending in XXXX, as indicated in the notice I received on XX/XX/year>. I would appreciate it if you could provide more details about the specific reasons for this closure and the nature of the activity that was deemed inconsistent with typical usage. 

I have always made an effort to manage my account responsibly and would like to resolve any issues that may have led to this decision. If there are any steps I can take to rectify the situation, please let me know. 

I would appreciate your assistance in reviewing this matter and reconsidering the closure of my account. Please let me know if you require any additional information from me to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

My conventional mortgage was serviced by XXXX NJ. In 2015 the mortgage was purchased by Nationstar Mortgage, XXXX XXXX. XXXX, XXXX, TX XXXX. 
Nationstar requested proof that I had homeowners insurance but sent the request to the wrong address. When I sold the home in XXXX, 2015, Nationstar was given proof of homeowners insurance but withheld {$2600.00} as supposed premiums they had to pay. Since XXXX, 2015 I have attempted numerous times to get Nationstar to refund the money but they have obfuscated and confused the issue by requesting additional information which I have provided. 

The Loan Number was XXXX Their Research Reference number is XXXX Nationstar continues to send computer-generated letters stating : ... '' at Nationstar, we take your concerns seriously. '' But in reality they do not. These letters all contain the statement " We [ Nationstar ] will respond by [ fill in the date ]. Of course, they never do. 
This has dragged on long enough. Nationstar owes me {$2600.00} in a payoff overage. 
Please help me to receive my money.
Product: Mortgage

I, wish to report in this complaint Ocwen Loan Servicer for fraudulent business and predatory lending practices. The aforementioned has harassed and threatened me in it 's attempt to have me to enter into a Mortgage Loan Modification, that they have no authorization to do so. They have provided fraudulent information to support their attempts, misleading and inaccurate, outdated data that has no bearing on this matter. The DEED of TRUST that I entered into was with Litton Loan Servicing and when they went out of business that agreement was legally null and void, and non-transferable. I have not entered into any agreement with the aforementioned entity, and will not do so at this time. They have no authority or standing, to pursue this matter which has now become predatory in nature in their relentless pursuit.
Product: Checking or savings account

My complaint since I found out Im an identity theft victim, XXXX is a checking prepaid type of account. I stayed at the XXXX in XXXX nj for 3 days, renewing the reservation and paying daily. The last day I was charged XXXX + dollars for XXXX night which was XXXX $ and charged an astronomical amount. I called them and XXXX immediately, and XXXX just sent me a letter stating I wasnt getting the funds back. They investigated and somehow without my statement closed my account finding XXXX the right one. I too own a business am an upstanding citizen but they chose to side with XXXX over charging me as well as XXXX. Never giving me my hard earned monies back. I disputed that too but XXXX weeks later Im still waiting. If I stole from ppl Id be in jail. This isnt fair! I would like this bank investigated. Thank you
Product: Credit card or prepaid card

In XXXX I used my Care Credit Card by Synchrony bank to pay for dental procedure at XXXX XXXX XXXX. It was a XXXX  year XXXX interest offer on {$24000.00}. I set up ACH payments and it automatically took the amount required to pay the account off in the XXXX  years. That payment was around {$1000.00}. I NEVER designated a specific amount. All was fine, account paid off in XXXX  years. A year after that in XX/XX/XXXX, I had the remainder of the work done that was needed. Same place, XXXX XXXX XXXX, same credit card, Care Credit by Synchrony, same terms XXXX  years, XXXX interest, amount this time was {$22000.00}. ACH is still set up. In XXXX I received a statement showing that interest in the amount of XXXX had been applied to the account so that I now owe {$22000.00}. All along I thought the account should be paid off as of XX/XX/XXXX. I have called the company and they will not reverse any of the applied interest even though I have stated I will pay the account off immediately. They have advised that " This Time '' the ACH was only taking the minimum payment due each month. I understand that this is partially my fault for not checking my statements. I did not check them as I was under the impression that it was set up exactly the way they set it up the first time. I have spoken to an agent as well as XXXX separate account managers. I have asked to be transferred to their executive office or escalated complaints but they have refused. They did provide me with their corporate address. I am not one to shirk my debts. Since I had done this in the past I was under the assumption it would work exactly the same way which was a breeze. I feel that Synchrony Bank was incredibly deceptive in their practices this time. Again, I take responsibility for not checking and have learned a lesson. But, the fact that they charge 26 % interest is ridiculous and exorbitant to begin with and I would have NEVER charged this amount had I not been under the impression that it would work exactly the way it did the first time and I would not pay interest on it. I did not need to charge this but it sure makes life easier to pay it out monthly instead of having to withdraw from savings. I believe that Synchrony bank should waive the interest charged and allow me to pay the account off immediately due to their deceptive practice with this charge. Thank you for your time.
Product: Money transfer, virtual currency, or money service

We contacted someone, XXXX XXXX located in XXXX, TN, though an automotive facebook group on the recommendation of someone else. We asked if he had a particular set of wheels available and he said yes. We messaged for several days and on XXXX XXXX, 2023 we negotiated a price for the wheels, he then sent an email address to use for XXXX. I questioned the name on the XXXX account that came up, XXXX, he said it was his wife. We sent the money which was {$1000.00} USD. He said he would send the tracking number the next day. He did but then we also got an email from a shipping company saying we would have to pay an additional {$1500.00} USD to have them delivered. We questioned XXXX XXXX that this was not the correct way to ship these wheels, he said it was and we questioned him again. There is a consignment number/tracking number but we found the shipping company is fake, we looked at their website. The phone number he provided on the tracking as well as the email address are invalid and when we asked for another phone number he would not provide it. I called my bank right away on XXXX XXXX, XXXX  and filed a claim but they said they could not honor it and would not refund the amount to my account. I have also filed a dispute/claim through XXXX.
Product: Debt collection

This company is reporting to XXXX  and XXXX  on my consumer credit report that a debt is owed to them. I Have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 an unauthorized wire transfer in the amount of {$3500.00} was sent from my Chase checking account to a XXXX XXXX account along with a fee of {$25.00}. This transfer occurred as I as on the phone with Chase handling fraudulent activity that was occurring on my debit card on the same day. I was told that it seemed like someone had access to my mobile banking. 
A claim was made on XX/XX/21 regarding the wire transfer fraud and Chase requested to recall the funds from XXXX XXXX. On XX/XX/21 Chase sent a secure message stating that a recall was not possible and advised me to file a police report. I filed a report with the XXXX County Sheriff 's Department ( report # XXXX ). The Investigator called on XX/XX/21 and stated that there was a clear indication of fraud and funds should be returned, his contact information is XXXX. I then gave this information to Chase on XX/XX/21 and received a duplicate response from chase on XX/XX/21 stating to contact law enforcement once again. I stated that I already did, that they were able to see that it was in fact fraud and stated that I should have money returned. On XX/XX/21 I received a message stating that they can not return money because the money is not with them. I have tried multiple times to get my money back, jumped through every hoop I was told to comply with Chase, and still have not gotten the funds returned.
Product: Debt collection

Disputed through XXXX, Debt was removed by the investigations findings. 
State Collections added it right back a few days later. 
Disputed through XXXX. Same thing deleted from account and the collection agency added it right back. 
I did follow up with each, deleted by both credit reporting agencies and added back a few days later. 
My reason for the dispute is because I was never notified of a collection company. I found it by checking my credit report. Through the dispute I found it to be hospital bills for several XXXX and hospital stay for XXXX 2 days. 
Then disputed the amount claimed by collections that I owed. 

The dispute was for the collections amount of {$1200.00}. Last reported XX/XX/2019 Then the same collections company added another collection for {$1100.00} Last reported XXXX XXXX same date. 
Now State Collection Service says I owe them a total of {$2400.00} I have been paying XXXX, the hospital regularly every month and the balance owed is {$900.00} not the {$2400.00}. Apparently the collection service is going to try to get me to pay them a second time for the hospital services. 
XXXX hospital refuses to tell me rather they sold my account to State Collection service. XXXX told us back when we started making payments that they dont send out statements after 90 days. So my wife kept track of what she paid leaving todays balance of {$900.00}. When I found out there was collections reported I called the Hospital to ask if they sold the account to State collections or if state was acting as a collection resource on their behalf. The Hospital refused to answer that question which makes me even more nervous because I might have to pay the same bill twice. We used checks to pay them so proof of payments can be gotten from the bank. The amount starting was {$2900.00}. The difference is the payments we made to XXXX in the 90 days before they sent the balance to State collections. The hospital said that the turn all bills owed after 90 days to collections. They said they sent a contract for payments to be made monthly which we never received. But, we made payments because we knew we owed them even without statements. As my credit report shows all of my other payments for car loans, credit cards etc. are marked monthly as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, XXXX, a company our office used to pay our office rent, mistakenly made two withdrawals from our checking account on the same day. I knew nothing of their error until TD Bank sent me an overdraft fee for my home mortgage, which was on automatic payment. XXXX reimbursed me for the fee, but it wasn't until recently when I tried to refi my mortgage that I discovered that TD had also reported the late payment to the credit bureaus, which impacts the amount of interest I will have to pay on my new mortgage. My credit scores are XXXX plus, except for the kind of score that XXXX XXXX uses, which had been impacted by the TD report. I finally, after almost a month of searching, was able to get hold of XXXX XXXX, an assistant Vice President in TD 's Chairman 's Service Center. She saw that I had never been late late in my mortgage payment prior to this, and I was never subsequently late. She told me to get a letter from XXXX acknowledging its error, which I did, and forwarded it to her, along with a copy of the {$35.00} check that XXXX had sent as reimbursement in 2018 for their mistake. About two weeks ago, she called to tell that the Operations Dept at TD refused to ask that the black mark they had submitted to the credit bureaus be deleted. Their reason was : they didn't make the mistake : it was XXXX. But it was TD that had submitted the black mark to the credit bureaus without notifying me.
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some accounts passed on that should be investigated. Per FCRA you are expected to correct and update these accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card application was denied because of the bancruptcy. I filed bancruptcy because of the loss of my husnband and financial struggles while raising twin daughters. That was 7 years ago, I have reastablished a good credit and havent missed a payment in 7 years. I am going to payoff my 30 year mortgage in 10 years, I have a good income. I called Chase credit card and ask them to reconsider and tried to explain circumstances I was in and was still denied after that. I will never bank with them ever again, I have had a worst experience and felt humiliated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple fraudulent inquires posted on my credit reports. I have filed reports with the reporting agencies many times. I contact the financial institutions as well. This is in regards to the most recent fraudulent inquiry. I posted on XX/XX/2022 and it was with Equifax. The fraudsters seem to be alternating. Some post on XXXX while others post on Equifax. I did not authorize any inquiry nor will there be any authorized inquiries any time soon.
Product: Debt collection

Re : Formal Complaint Against Kinum Inc. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Kinum Inc., a debt collector, for their egregious actions in attempting to collect an invalid debt and subsequently reporting it on my credit report. The impact of this false information on my creditworthiness and overall quality of life is severe, and I seek intervention from the Consumer Financial Protection Bureau to rectify this matter. 

Upon receiving a verification of debt from Kinum Inc., I discovered that the accompanying document, an invoice from XXXX, is inaccurately presented as evidence of a debt owed by me. Contrary to their claim, this invoice solely represents funds that XXXX owed me for gift cards I sold through their platforma fact not reflected in their misguided attempts to collect. 

This unjust and unfounded collection account has significantly affected my financial standing and daily life. I am distressed by the toll it has taken on my ability to secure loans, housing, and employment opportunities. It is imperative that this issue is addressed promptly and with the seriousness it deserves. 

I have enclosed copies of relevant documents, including the XXXX invoice and any supporting evidence, to substantiate my claim. I kindly request a thorough investigation into Kinum Inc. 's actions and the subsequent removal of the collection account from my credit report. 

Furthermore, I am compelled to bring to your attention that I am seriously contemplating pursuing severe legal action against Kinum Inc. for their blatant disregard for fair debt collection practices, causing significant harm to my financial well-being. In addition to the removal of the collection account, I demand financial compensation for the damages and distress caused. 

I trust the Consumer Financial Protection Bureau will handle this matter with the urgency and gravity it deserves. Please keep me informed of the progress and resolution of this complaint. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a XXXX got on fire I spend over five Thousand prepare the XXXX I sill have a loan on the vehicle it was a recall on the vehicle for start fire and problem with the engine the car do not work do to fire and can not be prepare the car should not been sold
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reflecting a balance on my credit report although the account was paid in full on XXXX XX/XX/2020. The balance should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  / account number : XXXX, has violated my rights. 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in  court.
Product: Checking or savings account

I need my XXXX to be unblocked or unrestricted for email XXXX and for phone number XXXX please unblock both and unrestricted them and remove them from them account on XXXX and XXXX both of them so I can use both of them at my new bank at XXXX XXXX they tell me to contact yall to get it unblocked or restricted and please at screenshots of the issue I am facing with XXXX XXXX XXXX enrollment etc.
Product: Credit reporting or other personal consumer reports

In XXXX, I found out that there is XXXXXXXX XXXX XXXX acount from Bank Of America that is not mine in my credit report ( XXXX ). I file a dispute report online for that credit and received an investigation results that that credit card is mine. So I went to the bank ( downtown XXXX XXXX ) for that credit card and they told me they couldnt find that bank account with my SSN. They couldn't do anything about it so they told me to contact to the XXXX. XXXX told me again to contact the bank again. I tried to call the bank phone number but they been asking my credit card number to talk with them but I DONT HAVE ONEE. I HAVE NEVER OPENED ANYTHING IN BANK OF AEMERICA.

However, the credit card has been on my credit report unitl now ( XX/XX/XXXXXXXX XXXX XXXX XXXX  ). It has used full credit limit 100 % and it has been effecting my credit score very badly. I have to stay at my friend house for months because my credit score went down to XXXX.
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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

Gordan, Aylworth and Tami, PC are disregarding the statute of limitations for debit in Washington State. Old debt from over 8 years ago. Worse yet, one of the attorneys signed a Full Release of Write of Garnishment only to have another attorney sign off and have another Attorney send in another garnishment a couple days later.