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

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

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX # 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 an 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.

Privacy Act of 1974 - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains...
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Checking or savings account

What I thought was a moving company, turned out to be a moving broker. I paid them an {$800.00} online deposit on XX/XX/year>, and canceled my order the same day. I've since reported the company to the XXXX and the XXXX XXXX. They responded to the XXXX  that they would reimburse me and send me a refund check. This was almost XXXX weeks ago. I have still not received my refund check from the company XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. 

I asked for a refund in the XXXX cooling off period. I'm also a senior citizen and can not afford to lose {$800.00}, as I am on Social Security. 

I contacted my bank, Chase and they informed me that since I authorized the check I had to reach out to the company. I contacted Chase again once the check cleared and was told that they couldn't help me.
Product: Credit reporting or other personal consumer reports

I have tried many times to get this violation of my right to an accurate credit file corrected. As seen in the attachment XXXX XXXX continues to report two charge offs as open on my credit report. These charge offs happened years ago yet show as if they happened last month. TransUnion as well as XXXX continue to support this violation of my rights. I held these accounts for years in good standing until I was forced to retire. Even then I paid on time for 3 more years until my saving ran out and I could no longer pay. The irony is my credit has recovered somewhat because I pay on time. I could have used XXXX XXXX again but cant and wont because of the vindictive nature of the company.
Product: Debt collection

I HAVE SENT A LETTER TO XXXXXXXX XXXX REQUESTING VALIDATION OF THE PURSUANT 1006.34 AND CONNECTION TO 18 U.S.C. 1029 credit card fraud, WHICH THE COMPANY RECEIVED AND SIGNED CERIFTIED GREEN CARD ON XX/XX/2023. I HAVE YET TO RECEIVE ANY DOCUMENTS REGARDING THIS STOLEN INFORMATION.

This alleged debt is disputed entirely under 12 CFR 1006.34 ( c ) ; this is a notice of validation of the debt and account opening. I have never applied for this credit card, and I do not have any knowledge of or access to this credit card. But my credit report shows you are reporting a XXXX HSBC Cashback Card ; I do not know how this account was opened! Once again, I do not have any acknowledgment of this card, so I can not provide any information about this fraudulent card being reported on my credit report. Please send the validation for Pursuant 12 CFR 1006.34. Please provide all documentation showing that I applied for this credit, how this credit card was used, and reflected on my credit report under my name and the last four digits of my SSN. Please close out this account ; you have 30 days to respond. Since you can not validate this account, please delete this account from all three of my credit reports and send me a letter showing proof of removal to the address above.
Product: Credit reporting

There are XXXX XXXX accounts that I know are past the statute of limitations, this agency is trying to advise me they will not honor my request nor remove the items. This is against the FCRA. These items have been re aged and I want removed. XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # 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: Checking or savings account

On XX/XX/year>, I opened a XXXX RELATIONSHIP MONEY MARKET account in response to an advertisement for an 5.3 % APY that would be fixed until XX/XX/year> on any new funds added to the account. I wired funds into this new account on XX/XX/year>. 

On XX/XX/year>, I called and complained because my interest received was at a 4.69 % APY as reflected on my statement. I spoke with three people at the bank ( only name I wrote down was XXXX XXXX, none of whom were able to properly calculate simple interest and who tried to convince me that I was receiving the advertised rate of 5.3 %. The matter was eventually resolved by a regional manager who had determined that the computer incorrectly calculated the interest, and I was credited with the missing interest payment. 

On XX/XX/year>, after multiple hours of attempts via email and calls to XXXX and local numbers, I was able to speak with XXXX XXXX, XXXX about my XXXX statement that showed an APY of 4.71 %, and had significantly less interest paid than the prior month even though the balance was higher. Again, he tried to explain that this was the annual rate and that's why it wasn't showing the 5.3 % that was promised to me. This is a recurring problem with this bank, and since it is calculated incorrectly by computer, then it has the potential to affect every customer, not just me.
Product: Checking or savings account

Description of Complaint : I opened a new checking account online ( XX/XX/XXXX ) to add to my current accounts. As a customer of 20+ years I believed it was a great opportunity to choose another account for the better options available. However after opening the account Chase decided not only to freeze the new account but all my other accounts due to suspicious activity. The first problem was I never was contacted ( phone, text, or email ) to inform of restricting account or verify if I was the person opening account and had to find out because my card was declined making a purchase. After calling in and confirming my identity I was told I needed to go into a local branch and bring 2 forms of identity and proof of address. Once my account was reopened I was notified that any ACH debits ( PD on XX/XX/XXXX and XX/XX/XXXX ) that were still pending we returned. Meaning bills that were paid and processed by merchants yet hadnt finished processing in Chase had now been returned back to the merchants. When trying to resolve this issue I was told that yes I should have been notified but unfortunately there wasnt anything they could do. I have spent the last 5 days contacting over 10 merchants to let them know what happened, 3 of which I cant get access or set back up auto-payments until my next bank statement or I get a letter from the bank verifying my account. Which includes an investment account in which I could be losing money daily ; as well as accrued late fees and returned check fees all because I opened an account through the option available online. There is no disclaimer stating that this is possible and all I received was empty apologies with no resolutions. I as the consumer have no recourse to the banks mistake and am now responsible to clean up my lively hood because they didnt do their due diligence and just restricted my account. Then they sent a letter dated after I went into the bank and verified/opened my account which arrived on today XX/XX/XXXX stating my account has been blocked. Ridiculous!!! 
Desired Settlement : Repair ; Refund ; Modification/discontinuance of an advertised claim
Product: Credit card

I have no rememberance of having this account, i request the company to validated this account with my signature and to no avail.
Product: Checking or savings account

On XX/XX/2023. I had {$600.00} fraudulently taken from my cash app account. At XXXX XXXX and XXXX XXXX {$600.00} was taken out of my cash app account but they refunded it for my protection then again at XXXX XXXX {$600.00} was taken from my account and then that's a transaction go through they didn't protect me I disputed it I gave him my IP address on my device identifiers everything to show they're fraud department that I didn't make the transaction it was fraudulently done it was on authorized transaction I didn't approve it I didn't do it and I want my {$600.00} back. I made a complaint with the FCC with the XXXX XXXX XXXX and I'm making one with you I also made one with cash app and they pretty much denied my dispute on XX/XX/XXXX thank you
Product: Student loan

On XXXX XX/XX/XXXX, MOHELA recalculated my monthly Income Driven Repayment ( IDR ) on the REPAYE plan from {$140.00} to {$680.00}. There was no meaningful change in family status or income. This is an increase of {$530.00} per month. 

I did not request this change, nor was my IDR re-certification due until XX/XX/XXXX. MOHELA did not notify me of this change and could not provide a way to restore my {$520.00} payment amount without waiting to recertify my income. 

MOHELA was unable to restore my old IDR plan, nor give a rationale of increase. 

MOHELA also continues to display a $ 0 monthly payment on my credit report even though I am in repayment. This impacts my ability to obtain a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to do a temporary lift on my credit freeze with Experian and was unable to complete my request online. When I tried to contact their customer service no matter what option I selected it brought me to a pre-recorded message and then disconnected the call. I could not get to a live person. There is no online chat option. There is no online contact form. There is no way for consumers to get in contact with a representative of this company which is ridiculous for a credit bureau. A credit freeze needs to be managed in real time and they do not provide this. Frankly, I'm not sure how they are even allowed to be a credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting false claims of late payments to my credit and the car has been deemed a total loss since XX/XX/2018. They have provided false information to XXXX XXXX slowing the claim process. I also had to contact the company multiple times to retrieve documents for XXXX XXXX and gap insurance. One representative told me that my account was being put on hold to prevent anymore negative reports and they still have reported these false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 while reviewing my consumer report furnished by EXPERIAN, I noticed an unauthorized inquiry initiated by XXXX XXXX XXXX XXXX in which I did not authorize or consent to. 

On XX/XX/21 I sent XXXX XXXX XXXX XXXX a letter in which they received on XX/XX/21 notifying them of the unauthorized credit inquiry in which they initiated that is furnished on my consumer report. In that letter, I notified XXXX XXXX XXXX XXXX that I did not authorize anyone employed by their company to view my personal information, They violated the FCRA 15 USC 1681b ( 2 ), and that XXXX XXXX XXXX XXXX isn't entitled to make the inquiry which is a serious breach of my consumer rights. I also requested that XXXX XXXX XXXX XXXX provide a signed copy of the authorization form that gave them the right to initiate a consumer credit transaction on my behalf. 

On XX/XX/21, I received correspondence from XXXX XXXX XXXX XXXX alleging that they are unable to research the issue. 

On XX/XX/21, I sent XXXX XXXX XXXX XXXX a cease and desist whereas I demanded the following : provide an audit trail, deletion from all consumer reports, validation, provide name, address, and phone number of the original creditor, provide name, address, and phone number of all parties that benefitted from this illegal transaction, cease and rescind the use of my intellectual property, my signature, and return all requested documentation so that I can properly assess the validity of this transaction pursuant 15 USC 1692g. 

XXXX XXXX XXXX XXXX has been non compliant to my demands. XXXX XXXX XXXX XXXX has failed to respond or send the requested documents. XXXX XXXX XXXX XXXX is violating my consumer right to validate the debt pursuant 15 USC 1692g.
Product: Mortgage

XX/XX/XXXX I applied for a mortgage with Prosperity Home Mortgage ( XXXX, GA ). I provided all financial documents requested and received a pre-approval for XXXX ( XX/XX/XXXX ) which increased to {$180000.00} ( XX/XX/XXXX ) .The mortgage consultant XXXX XXXX NMLS # XXXX requested that I try and have a late payment removed to increase my buying power, but other than that my scores were good with a range between XXXX. Initially I was not finding any homes I liked. After about 2 months in that changed and my realtor XXXX XXXX began putting in offers with the pre-approval from XXXX. In the beginning of XXXX, XXXX began asking questions that he asked in the beginning about my income and adding my husband to the application. With me having stronger credit I told him no to keep the application with just me. My realtor asked me to contact someone else she knew and had confidence in to possibly submit an application. After speaking with this gentleman he said it didnt take an application for him to know my DTI was too high and he didnt understand how XXXX was able to get the pre-approvals in the first place. I contacted another lender who said the same thing. After months of having the pre-approval, XXXX says he couldnt get me approved. XXXX has done a credit check 13 times. There are 13 inquiries on my credit report because of his negligence and total disregard for my credit history. I reached out and he said there was nothing he could do. He said the inquiries would not affect me but that was another lie. I have been denied credit due to high inquiries. The company he used XXXX was all that appeared 13 times. I was told a supervisor  would call and that never happened. I also filed a XXXX complaint and sent one in directly Prosperity and never got a response. These inquiries are unacceptable. There should be one at the beginning and one at the end of the process depending on how long it took to find a peppery to purchase. The entire process was negligent on his behalf and very misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an account back in XX/XX/2023. The company affirm is still reporting my account as not paid in full. I have sent my paid off letter confirmation via the upload section proving that I paid it off in full. I have disputed twice and twice I have gotten back results stating that The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. So the account REMAINS unpaid. Even with my proof straight from the companys website that it is paid off.
Product: Mortgage

Im going some difficult financial times and I have requested tha t Wels Fargo h elp me with a short sale on the property. I have a realtor and an offer on my home. A cash offer!! I sent in my short sale package at the beginning of the month so that they have enough time so look over the info. I need them to respond so that the sale date will be postponed so that we have enough time to do the short sale.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Representative, I am writing to request the removal of fraudulent accounts, unauthorized inquiries, and incorrect personal information from my credit report. Enclosed is my FTC Identity Theft Report, reference number XXXX, which documents the identity theft I have experienced. 

Upon reviewing my TransUnion credit report, I discovered several inaccuracies that do not belong to me. Below is a list of the fraudulent information I am requesting to be removed : Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are not authorized by me and are the result of identity theft. I am requesting that TransUnion promptly remove the fraudulent accounts, unauthorized inquiries, and inaccurate personal details listed above. I also ask that a fraud alert be placed on my profile to prevent further misuse of my identity. 

Please process this request promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the removal. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX
Product: Vehicle loan or lease

Leased a vehicle at an Audi Dealer in XXXX, VA ( XXXX County ) with Audi Financial Services ( AFS ). At the end of the lease ( XX/XX/2019 ) the car was returned with no damage and significantly under the lease mileage. Dealer accepted the return and told us there was no other charges, our lease is over and the vehicle was accepted. Six weeks later we received a {$350.00} lease termination fee from AFS, which was in the contract but we assumed was waived. The bill was marked as a lease termination. We paid the {$350.00}. Over 6 months after lease end ( XXXX ) we received a bill from Audi Financial Services for {$320.00} marked personal property tax ( attached ). After several calls we got through to someone who could answer a question about the charge. The AFS agent told us that it was a bill for 12 months of personal property tax ( all of 2019 ), despite the fact that Audi had the car since XX/XX/2019. He said that they may be able to prorate it if we wired them the money ; however, they would not provide a revised invoice or detailed explanation for the {$320.00}. Per the agent they are passing on the amount of full 2019 personal property tax bill to us. Personal property tax was billed by XXXX County to AFS as the vehicle owner. They explained we could get " money back '' from XXXX County and asked us to contact XXXX County, despite the fact that we didn't own the vehicle nor get tax bills from XXXX. Our AFS account no longer showed our detailed payment history since our account " was closed '' at the end of the lease per the agent. We requested additional detailed payment history ( attached, but not very detailed ). We escalated the call to a manager and they refused to provide a new invoice nor waive the fee. They threatened to send us to collections instead of sending us an invoice for the prorated personal property tax fee. We checked our historical records and determined we payed AFS for prior 3 years of personal property during the lease ; however, this {$320.00} was for the entire 4th year. AFS appears to be systematically overcharging XXXX County Residents by passing through taxes without proration. We contacted Audi XXXX support and over the course of several weeks they attempted to get resolution via the dealer network. Audi XXXX was unable to waive the charge, claiming Audi is different company from AFS. Audi didn't stand behind their lease.
Product: Debt collection

on XXXX XXXX a collection was placed on my consumer credit file by the company jefferson capital systems with the amount of {$1100.00}, under the fair depy collections practice i have all rights to ask for this debt collector to VALIDATE this false debt ... a debt validation was sent to this company listed in my complaint and they never responded ... ( c ) Ceasing communication 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.