23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX  XXXX XXXX Account Number:XXXX has violated my rights. Or a 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

On XX/XX/XXXX at the hours between XXXX and XXXX several unauthorized atm withdraws and fraudulent deposits were conducted in 2 different cities across XXXX XXXX XXXX I had ordered a new card on the XXXX of XXXX and without my knowledge my card turns out to have been stolen out of my mail as I never received it. This is with Wells Fargo. I contacted them immediately that someone was using my card I never received all over XXXXXXXX XXXX resulting in them stealing {$1000.00}. They reviewed case and told me I was out of luck even though I did not authorize these atm transactions nor did I have the card in my possession.
Product: Mortgage

I am working on a short sale with Penny Mac. The loan is a VA Loan. A VA Appraisal was conducted and resulted in a appraisled value of {$300000.00}. 
Penny Mac decided that the value " appeared '' to low and ordered a BPO. This BPO apparently resulted in a value of {$320000.00}. 
My concern is that Penny Mac is not following VA Compromise Sale ( short sale ) rules. 
How can Penny Mac deviate from the government rules of a VA guaranteed loan?
Product: Debt collection

I received a letter from the collection agency in XX/XX/XXXX when I called to ask what this debt was for and was told it belonged to XXXX XXXX. I explained that it could not be because I never had an account with XXXX XXXX in the last 8 years I asked for a validation on more than one occasion but they refused to send me anything. I checked my credit report to see what was going on. When I look at my credit report, I noticed that in XXXX  there is a Mountain run Solution account that explains that the account is for a loan, like a charge account, and the credit limit increased from {$1500.00} to {$2500.00}, I did not. recognize this. account. I went to XXXX XXXX credit report which says I have been making payments since XXXX with no late payments and my balance in XXXX was XXXX. Then it shows up in collections and I don't understand why. I have never made any payments to an account like this, because that is not my account, and I have never seen that account on my credit report before. I check my credit report every year, and this account was never there, and it just popped up last year. I filed a dispute with the credit bureaus and they told me that the account is accurate because the collection agency says so The credit bureau as XXXX  and XXXX, they asked me to prove that it is not my account, I told them that I can not prove it because there is no way I can prove any account that is not mine. I called the original creditor and asked about this account. And they said my last payment was in XX/XX/XXXX and the account was sold to Perfection Collections in XX/XX/XXXX. What the XXXX XXXX solution is doing is using the information they have about me in my previous 8 year account and making it looks like the most recent account I asked you for a payment history to confirm the last payment I made. When I saw that this is not this account and it is for another account. I do not know what to do. Every time I call they tell me that I have to pay because this account is mine. I have asked for validation and they do not send me anything. I have proof of the last payment I made to the original creditor. I sent it to the credit bureaus and they tell me it is not proof enough. The original creditor can not give me information because those accounts were sold to collections. This accout is not mine. I will provide you with my original creditor payment history and what is shown on my credit report. I have been monitoring my credit for years with no late payments for the last 6 years, and this fraudulent account is affecting me emotionally. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied to Quicken Loans / XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my XXXX and XXXX reports, but not on XXXX. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX and XXXX XXXXhru XX/XX/XXXX and confirmed that there was no freeze on XXXX Quicken Loans tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX and XXXX, before my temporary lift expired, and again confirmed that there was no freeze at XXXX. I asked Quicken Loans again to pull my reports. They continually say they can only pull XXXX. On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called XXXX who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if Quicken Loans is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at XXXX  or at XXXX XXXX to check the same info on my XXXX report. I am currently being denied credit by Quicken Loans on the sole basis on the one bureau they can pull, XXXX, where my score for mortgage is showing as XXXX. Quicken Loans says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the XXXX score that Quicken can not access, at XXXX. Meaning my XXXX score is also higher. Because Quicken Loans can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. Quicken Loans has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.
Product: Mortgage

I responded to a radio commercial from Lennox Home Loans in late XXXX and it offered a no closing cost loan. I applied and was eventually approved for a loan, but neither the Loan Estimate nor the Closing Disclosure itemized the {$100.00} x 2 recording fees for recording the discharges on the 2 existing mortgages that would be paid off with the proceeds of the new loan. 
I asked Lennox for assurance that the discharge recording fees were included in the LE and CD disclosure documents, and Lennox represented that they were included. 
My loan was closed in XXXX, but it turns out that the 2 discharge recording fees were not included in the Loan Estimate, the Closing Disclosure or the Lender Credit that was supposed to pay for all such expenses. 
The attorney who closed the loan at my house emailed Lennox after the closing asking them to forward the discharge recording funds {$100.00} x 2 to him. He is the one who ordered the loan payoff numbers and he had the lenders send the original discharge documents to him for recording as is customary in a mortgage refinance transaction. 
Lennox Home Loans has still not sent the {$100.00} x 2 funds to their attorney despite their assurances that the discharge recording funds were accounted for in the Closing Disclosure and that the 2 discharge documents would be recorded. 
I have all the emails to back up my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called CBNA and asked if they could update my account as what was being reported was hurting my consumer report. The representative I spoke to told me that they did not have access to my account and could not do anything about it. After a couple days I looked back on my account and it notified me that the account was closed. I never agreed to getting my account closed. Under 15 USC 1681 a ( 2 ) ( iii ), it was clearly not disclosed with me and if it wasn't disclosed they can't have anything to do with my report. Please update my late payments.
Product: Credit card

TD Card Services was contacted by a person who had stolen my credit card information. TD failed to properly authenticate this person when they called notifying them of an upcoming fraudulent purchase using my card, and allowed them to change the phone number ( my number ) that was associated with the account. This charge for {$6200.00} on XXXX from XXXX was processed using XXXX Payment on an XXXX and then discovered by me as a fraud. I notified TD of the fraud around XXXX XXXX. They said they would credit the fraudulent charge, close my account, and issue me a new card. I received the new card, and through a series of at least 4 frustrating phone calls, finally authenticated my account by faxing them several forms of ID. I called 3 more times as the fraudulent charge remained associated with my account. Each time I was told that the charge would be credited in 5 to 7 business days. As my credit card statement neared its due date, I notified TD in an additional call that my billing due date was approaching, that the credit had not been made, and that I did not want to see late fees, interest charges, and a notification of missed payment sent to the credit reporting agencies. My fear was that this would negatively impact my credit score as a consumer through no fault of my own. No one in their customer support could explain to me how or if the credit reporting agencies would be notified in the event of a late payment. After speaking with a fraud specialist on an additional call, it was only then determined that the credit was placed onto the old and now closed account. Predictably, the account came due and interest charges and late fees were added to my account. I made an additional XXXX calls over the last week trying to get this resolved to no avail. I spoke to a supervisor XXXX after being on hold for almost XXXX minutes who again lied to me telling me the credit would be applied the next day. It was not, only the late fee was credited. I called the next day and was told that the supervisor was in a meeting and that I would receive a call back from the supervisor XXXX and I never received a call back. I asked the representative on how I could give feedback to TD on the frustrating experience that I was having and they could provide no such contact information. I asked if the credit reporting agencies had been notified and I was not directly answered only that the fraudulent charge was marked as disputed in their system. It is now XXXX/XXXX/16 and the charge remains on my account as well as interest. There is no excuse for the breach of my account, the lies that I 've been told, and the waste of all of my time which I have not been compensated for. I am writing this in the hope that as a consumer in the United States, there are protections and sanctions against those incompetent companies who mistreat their customers, and potentially ruin their credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 public record and items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting

On XXXX/XXXX/16, there was a HARD inquiry listed on my Equifax report indicating that XXXX requested my credit report, HOWEVER, I NEVER applied, or requested any credit or any other product with XXXX. I disputed the inquiry with Equifax and received a response on XXXX/XXXX/2016 indicating the inquiry was factual. I contacted XXXX for details on who/why my credit report was run, and they indicated that they DID NOT run my credit and that they do not have any information showing that XXXX ran my credit. I sent Equifax the letter from XXXX indicating that they did not know the origin of the inquiry and Equifax refuses to remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to XXXXXXXX XXXX. XXXX sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXXXXXX XXXXXXXX and entered the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX back on XXXX I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. XXXX is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.
Product: Credit reporting

There are XXXX medical collection accounts on my credit reports that are not mine. 
I have contacted all collection agencies and they were unable to validate the accounts to my name, last name or even the amount showing on all XXXX credit bureaus report collection agencies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Debt Buyer ) XXXX XXXX XXXX
Product: Debt collection

I submitted a complaint against Financial Data Systems on XX/XX/XXXX addressing the companys direct violation of federal & state laws by failing to include their NC license permit number ( XXXX ) on the stationery/correspondence form ( copy attached ), as well as the company 's TRUE address ( not a PO Box ). This is a direct violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Financial Data Systems is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 
Financial Data Systems response to my formal complaint on XX/XX/XXXX was as follows : We have verified these accounts a number of times. We have also responded to the NC Department of Justice in regards to these accounts. Our clients have provided information to him. We have had these accounts since XXXX and XXXX. I have contacted each client again in regards to the accounts. We notified XXXX XXXX that XXXX XXXX XXXX is allowing us to cancel that account out. Which we have done and have sent information to the Credit Bureaus for it to be deleted. XXXX XXXX is responsible to pay the other accounts. 
Financial Data Systems did not even address the issue of my complaint, nor was their response related or relevant to the complaint at hand. 
The company continues to willfully remain non complaint with North Carolina  Department of Insurance General Statures.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue with credit bureaus regarding the removal of inaccurate bankruptcy information from my credit report. Also presenting copies of identification documentation such as Drivers License with current address, utility bill with current address, and ssn card. Despite my repeated attempts to address this matter since XXXX directly with XXXX, Experian, and XXXX, they have failed to take appropriate action. 

For your reference, my personal information is as follows : - Full Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date of Birth : XXXX - The specific bankruptcy listing in question is associated with the file number XXXX. 

Under 15 USC 1681 section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must have permissible purposes for obtaining and reporting consumer information. I question who provided these agencies with permission to include a bankruptcy filing on my credit report. According to documentation I received from the U.S. Bankruptcy Court, they do not report data to credit reporting agencies. 

Furthermore, I received a letter from XXXX XXXX XXXX stating that they have filed a dispute on my behalf, but neither XXXX nor I have received any response from the credit bureaus. This lack of response is concerning and further demonstrates the failure of the credit reporting agencies to address this issue promptly. 

This inaccurate information has negatively impacted my creditworthiness and has caused significant distress. I have repeatedly requested the removal of this erroneous bankruptcy entry, yet the credit reporting agencies have failed to comply. 

I respectfully request the CFPB 's assistance in investigating this matter and ensuring the immediate removal of the inaccurate bankruptcy listing from my credit report. I also seek clarification on the permissible purposes under which the credit reporting agencies included this information and demand accountability for the persistent inaccuracy. 

Enclosed are copies of my correspondence with the credit reporting agencies, the documentation from the U.S. Bankruptcy Court, and the letter from XXXX XXXX XXXX. 

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

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX 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
Product: Prepaid card

I got an American Express Virtual Reward for a balance of {$1800.00}. The card keeps being declined on every single online retail store such as XXXX, XXXX, XXXX, XXXX, and XXXX for even orders less than {$40.00}. 

I called customer service on XXXX, XXXX and I was told there was a security measure and to give it XXXX hours to resolve. I tried again different sites after XXXX hours, but nothing changed all got declined. I called customer service again on XX/XX/XXXX and I got another excuse that most of the sites are blocked online to prevent fraud. I was told that may be the merchants don't accept Amex, I answered that after each declined transaction with the PREPAID CARD I used my American Express CREDIT CARD and the transaction went through, so the problem isn't merchant-related. 

I am not able to use the card at all.

I tried to search online and found that a lot of people have the same issue with this particular product " American Express Virtual Reward ' who have failed to use the care and after several ( 9 -12 ) months, a service fee of {$3.00} per month started to be charged. 

This is a quote from their cardholder agreement : " Where to Use Your Virtual Reward Card The Virtual Reward Card may be used at merchants and retailers in the United States, XXXX XXXX XXXX and XXXX XXXX, including online or mail order retailers and merchants, that accept the American Express Card ( XXXX  )
Product: Vehicle loan or lease

states that i still owe XXXX, however this loan was paid off almost 2 months ago
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 : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX 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 ye
ars.

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.