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

In XX/XX/XXXX I had contacted a mortgage lender XXXX XXXX from XXXX XXXX in regards to possibly getting a pre-approval for a home loan with my fiance. I had provided him my information and told him that I needed to get my Fiances information before he ran my credit. I explicitly relayed to him to not pull my credit because I am buying a home with my fiance. XXXX XXXX disregarded my wishes and ran my credit anyways. This was done illegally and against my wishes. 

In XX/XX/XXXX, I contacted Credit Plus to remove the inquiries from my credit and The letter I received from them indicated no proof that the lender had permission to run my credit. In fact it states he received my permission verbally and through the phone. That is incorrect ; I never gave him permission to run my credit whatsoever. I as I had stated, I explicitly relayed to him that I did not want my credit ran until I had gathered my fiances information. The lender ignored my wishes and ran my credit anyways. That is completely unprofessional it reflects badly on the company.
Product: Checking or savings account

My XXXX, XXXX XXXX XXXX XXXX XXXX, passed away on XX/XX/XXXX. He and my mother, XXXX XXXX, had several joint accounts, and all but one was available to her after my fathers passing. The one unavailable account, a savings account at Bank of America, account number XXXX XXXX XXXX, holding approximately {$14000.00}, was frozen. After phone and US mail exchanges, without the funds being released, my mother filed a complaint with you regarding her inability to access my fathers and her joint account ( case no. XXXX ). 

Bank of America responded that there were mixed records on the account, which had been acquired by them with the purchase of XXXX XXXX XXXX. They said that the account therefore belonged in my fathers estate. This answer, though not entirely satisfactory, was accepted by us because Bank of America gave paperwork to complete for a check to be sent for the amount in the account. We wished for expediency over arguing about the unsettling conclusion regarding my parents joint account. The paperwork gave us a path forward. 

As the Personal Representative of my fathers estate, I took the steps of opening a checking account for the estate and completing the paperwork to get a check that could be deposited in that new account. Bank of America had asked that I submit the forms by fax or mail. After submitting the forms by fax on XX/XX/XXXX, and not hearing back, I resubmitted by fax on XX/XX/XXXX. After again not receiving the check or correspondence, I tried a different tack and submitted the forms by US mail on XX/XX/XXXX, explaining the history and asking to be contacted if I did anything wrong. 

As I have still not been contacted, and I have not received a check, I have found my way to the CFPB in hope that you can help me resolve this. Though related, the issue is now different from my mothers issue in her prior complaint. My problem is that Bank of America will not send a check for funds in my fathers estate. I worry that the reason is the conflicting history of the account Bank of America described in its letter to my mother, the same complication that led them to freeze my mother out of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my debt with credit cards with the bank of XXXX Bank and this still show with balance, when was paid off. I need this to be deleted from my credit since it is preventing me from purchasing a hosue or my family. I have done everything I was requested for and still the main three credit reporting companies will not delete this collection. please verify the debt and delete this, help me from hurting my family. We need a home.
Product: Money transfer, virtual currency, or money service

I made a reservation on my cash app card for a XXXX on XX/XX/2022 for XXXX. I cancelled my reservation on XX/XX/2022. The cash app account that I made the purchase from cash app has closed that account so I have no access to the account. I have contacted XXXX and has been informed that I will have to go through Cash app once a refund is sent it does not return back to them even if the account is closed the institution will have to transfer the funds or send me a check. I have been constantly trying to inform cash app of my concern and have not received the proper customer service to solve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Lady from Dynamic Recovery Solutions left a message to call her at the XXXX # concerning the debt collection against me. I do not have any collections against me. I have an " excellent " credit score which I checked 1 day ago. I did not nor ever will call back. They do not ask for anyone by name. In the past, I have gotten a very similar message, but I can not verify if it was the same #. Because of the nature of the call, I believe they were trying to sell something, or lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint and Opt-Out Request Regarding Privacy Act Violations by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am submitting a formal complaint against XXXX XXXX XXXX for egregious violations of the Privacy Act, specifically 15 USC 6802-6805. Upon thorough examination of the XXXX XXXX  report, I have identified and documented XXXX instances where the company has violated privacy laws, involving unauthorized access to overdraft balances, withdrawals, deposits, and the unauthorized opening and closing of accounts. 

Enclosed with this complaint is the detailed report, serving as evidence of these numerous privacy violations. 

In addition to the complaint, I would like to exercise my right to opt-out per USC 6802. I request that my personal information be removed from XXXX XXXX XXXX databases and that they cease any further use or disclosure of my information. 

I kindly urge the Consumer Financial Protection Bureau to initiate a comprehensive investigation into these serious breaches. The gravity of these violations necessitates swift and decisive action to protect consumers and hold XXXX XXXX XXXX accountable for their actions. 

In line with applicable laws, I am seeking compensation for these violations, with a minimum of {$1000.00} per instance, as permitted under the Privacy Act. 

Your immediate attention to this matter is crucial in ensuring the protection of affected individuals privacy rights. I trust in the Consumer Financial Protection Bureaus commitment to upholding consumer rights and enforcing the Privacy Act. 

Thank you for your prompt consideration and action.
Product: Bank account or service

This is a follow up to Case number : XXXX. 
Wells Fargo Bank gave me a response through your agency. However, they were being deceitful ( as explained in my response to their response ). They were being deceitful to you in regards to the actions that my father and I took, namely call the number they gave us to give authorization for the case to proceed. The case is not closed and now that they have the verbal authorization from my father on their audio recording, they are still holding on to the {$600.00} in fees they took from my parents. I have also sent XXXX XXXX of Wells Fargo a hard copy by U.S. Mail informing him/her of the audio recording authorization and they have refused to refund the fees.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Incorrect Address and Name Spelling on Credit Report Dear : Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding inaccuracies present on my credit report, specifically pertaining to my address and name spelling. The information provided in my credit report is erroneous and does not accurately reflect my personal details. 

XXXX. Incorrect Address : The current address listed on my credit report is [ Incorrect Address XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ], which is not my residential address. This discrepancy could potentially lead to misunderstandings and complications in financial transactions. My correct residential address is [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX ], which I have provided consistently to financial institutions and credit agencies. 

XXXX. Name Spelling Error : Furthermore, my name is misspelled on the credit report. My correct name is [ XXXX XXXX XXXX ], but the report lists it as [ XXXX XXXX, XXXX XXXX, ]. This misspelling not only undermines the accuracy of the report but also creates confusion and may impact my creditworthiness. These inaccuracies are concerning as they could adversely affect my ability to access credit and financial services. I have taken the necessary steps to ensure that accurate information is provided to credit reporting agencies, yet these errors persist, reflecting a systemic issue that requires attention. I kindly request that the CFPB investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I would appreciate guidance on how to prevent similar issues from arising in the future. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX XXXX
Product: Debt collection

They are reporting a fraud collection account on my credit report in the amount of {$170.00}. This is not my account and it needs to be removed from my credit report immediately.
Product: Credit card or prepaid card

I have a never used American Express Prepaid Rewards gift card number XXXX expiration date XX/XX/19 CVV code XXXX valued at {$20.00}. When I attempted to use it at XXXX XXXX it was declined. They were told the card had a XXXX balance. I called XXXX and entered the card information three times and each time I was told the card had a XXXX balance. The card agreement states the value of the card does not expire. The card does not expire until the end of XX/XX/2019. When I called and spoke to a person I was told the card had a XXXX balance but I have never used it and it has not been out of my sight since it was mailed to me. 

At this point I believe I am a victim of fraud. I received the gift card as a rebate for a sale made with XXXX XXXX XXXX which I can not use.
Product: Debt collection

This is regarding said debt for XXXX XXXX XXXX. Under the FDCPA, I have the right to request validation of the debt you say I owe you. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I have never received any notice to validate this said debt.

Under the Fair Debt Collection Practices Act, I have the right to request this account be removed from your files as this debt has not been validated due to your company XXXX XXXX XXXX failing to provide notice to validate. Your firm could face severe consequences for pursing this account any further.

Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Please stop all collection activity with me, except to let me know this matter is now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Name XXXX XXXX Collection account. {$1400.00} This was already resolved/resolved by XXXX  but is still reporting to the other two credit bureau experian and XXXX This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from experian be cause by information was compromised they are completely aware of this.
Product: Credit card or prepaid card

In XX/XX/XXXX Synchrony Bank checked my credit and issued me a Lowes credit card with a {$300.00} limit. I recently made a small purchase with no issues. Last Thursday XX/XX/XXXX I tried to make another purchase at Lowes and it was declined. After calling the bank they explained to me that they closed my account because of my recent credit history. How is that they issue me a card based on my credit back in XX/XX/XXXX then suddenly close it without my knowledge or consent? I have other accounts with this company and Im afraid they will do it again. Closing accounts negatively affected my fico score.
Product: Debt collection

XXXX XXXX has called my family about a loan for another family member and is very rude, called my mother crazy and needed medicine, called my mother in law whom is XXXX years old and told her she was a liar. He has called my brother and threatened him and called him a liar. Everyone hung up on him and he keeps calling back. We did not co sign for a loan and do not want to be contacted and have told him, but he does not care. Please stay away from this man.
Product: Credit card

I am reaching out for your help concerning the false account on my credit report. This situation has hurt my reputation as a customer, and I need your support. I want these wrongly reported accounts removed due to their negative impact.
Product: Mortgage

I sold my house in XXXX XXXX, XXXX XX/XX/XXXX. Two days prior to the new owner taking over, I boarded a plane to XXXX. All of my belongings including furniture, clothing and automobile, were also transported. The money from the sale of the house was deposited in my bank account shortly after my arrival. I immediatly began paying bills. Since I had used online bill pay for years it only took a few days for my creditors to receive payments. My credit card debt was about XXXX. when I left XXXX, I paid about XXXX, and today I owe about {$8000.00}. I would love having a home, that I can call my own. One day saw a house for sale in the neighborhood I like. I contacted a realtor regarding this particular home, the asking price was XXXX. Immediatly I was transferred to their Loan Department. Later that evening the representative telephoned me to advise me that my credit score was very low ; too low for financing a home. He was somewhat rude, like I just wasted his time. He said I had tons of credit card debt and my house in XXXX XXXX appeared to be involved in a " quick sale ''. He added, there was no way I could get a home financed. 
I amXXXX a XXXX XX/XX/XXXX, I had planned to put the house on the market immediatly, but I love XXXX. It was not untill XXXX XXXX when I sold the house and began making plans to leave. I shipped furniture, household goods and belongings including my car to XXXX where I was raised and have family and friends. The cost of housing is so much lower in XXXX. In XXXX my total mortgage payment was {$3100.00}, and due to the type of loan it would have increased over the next 2 years. 
Another factor which caused my financial problems was, teachers did not get a raise for almonst 10 years. Finally XX/XX/XXXX teachers were given a raise. In XX/XX/XXXX I had to get out of one of those preditory loans, and the new loan started out at 3 % interest for the first 3 years but increased 1 % each year after. I began to use credit cards for groceries and for everything I could not afford. Fortunetly my house was beautiful. I purhased it in XX/XX/XXXX and remodeled the kitchens and bathrooms.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following items were added to my credit file without my authorization : Accounts to Be Blocked and Deleted : 1. XXXX XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$850.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$730.00} Inquiries to Be Blocked and Deleted : XXXXXXXX XXXX Date : XX/XX/XXXX
Product: Student loan

I work at the federal government and Im in PSLF. I have 118 qualifying payments andXX/XX/XXXX was suppose to qualify to be eligible for employment certification to make it XXXX. I called today and was told that they are aware that XXXX is not populating in the eligible payments and will be fixed. When I checked they put XXXX in the ineligible payments. I asked when will it be fixed and the person that helped me can not provide a timeline or when it will be done. Im two payments away from forgiveness and I dont trust mohela and I want my XXXX month to count. I want my account to be updated properly.
Product: Credit card or prepaid card

I contacted the company about fraud on my account. They stated they would refund the money and adjust my statement accordingly while sending out a new card also. They sent out the card with the same numbers and never reversed the balance of the account ( back to {$0.00} ). I made several payments thinking they had done so but the balance never changed. When I contacted them a 3rd time they said they saw I reported the fraud and things were already adjusted on my account. I stated that I hadnt used my card since the reporting and yet I still had a the same balance with no new charges, the guy I talked to said Im not sure whats going on before the line went dead.
Product: Credit card or prepaid card

The Consumer is making this complaint with their own free will. The Consumer is aware that Capital One has practiced unlawful behavior by deceiving Capital Ones Consumers and failing to remain in compliance with Federal Regulations. The Consumer agreed to a Consumer credit transaction with Capital One and opened a charge account ending in XXXX, " the account '' on XX/XX/XXXX. Since the opening of the account, Capital One has reported inaccuracies to Consumer Reporting Agencies. According to 15 USC 1681a ( 2 ) ( A ) ( i ) Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Captial One did not comply as they reported transactions each and every month including late payments made by the consumer to XXXX, XXXX, and XXXX ( Consumer Reporting Agencies. ) As of XX/XX/XXXX Capital One reported to Consumer Reporting Agencies that the account charged off with an outstanding balance of {$660.00}. The consumer never received the 1099C for the charge off amount. The consumer is aware that a charge off is the writing off of a debt and termination of Collection activity, however, the Consumer continuously received notices to make payments on the Charged Off account although the balance charged off in the amount of {$660.00}. Furthermore, the consumer has never given Capital One consent to furnish any Consumer Reports in regards to the Consumer, Capital One has not been compliance as According to 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The consumer is aware that Capital One is civilly liable according to 15 USC 1861r- Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information shall be fined under title 18, imprisoned for not more than 2 years, or both.