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 : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX/XXXX/2023 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: Credit reporting or other personal consumer reports

My personal info was used on dark web by unknown sources
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with RentDebt for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with XXXX, XXXX and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -XXXX has payment status as : Legally paid in full for less than the full balance -XXXX has payment status as : Paid XXXX has NO payment status XXXX is reporting this account as open
Product: Debt collection

Continental Credit Control - XXXX Continental Credit Control called me on the following days : XXXX at XXXX XXXXXXXX I phoned them back at XXXX XXXX and left a message to not call me again, but to mail communication to me so I may research to see if in fact any debt is owed. 

They proceeded to call me again on the following days and times : XXXX - XXXX XXXX., XXXX XXXX., XXXX XXXX XXXX. and XXXX - XXXX XXXX. 

On XXXX I answered the phone and the person wanted me to identify myself before they identified themselves. I asked who they were and when I wouldn't allow them to control the direction of the conversation, they hung up.
Product: Checking or savings account

BMO took my deposits and charged me a fee, refused to pay my bill, and is preventing me from using my funds. 

I opened a BMO checking account on XX/XX/year>. On XX/XX/year>, I made my initial deposit of {$18000.00} followed by deposits of {$68000.00} for a total of {$86000.00}. BMO showed that the funds were available for an important upcoming bill payment. 

On XX/XX/year>, I signed up for BMO XXXX XXXX. On XX/XX/year> I added my payee for that important bill and, using BMO XXXX XXXX, paid that bill on XX/XX/year>. I was charged an expedited payment fee of {$15.00}. The check was made and overnighted to the payee and delivered on XX/XX/year>. 

On XX/XX/year>, BMO did not honor the check that they created through their XXXX XXXX service. In effect, XXXX XXXX suspected themselves of fraud. Again, they created the check they returned. Without notice to me, after returning the check, BMO restricted my funds leaving me with no access to my deposited funds which resulted in an inability to pay an important bill and reputational damage. I may lose the contracted services and pay a penalty due to BMOs actions. 

Upon my inquiry, I was told of the restriction and asked to submit additional verification documents, which I did immediately. Upon my further inquiry, I was told it could take up to 30 days to review my account and I had no other options. BMO has never initiated any communication and seemingly has no desire to allow me access to my funds. 

After my request for escalation or expedited review of my identity documents, BMO refused to help and is holding my funds, paying no interest, and causing me financial and reputational harm with seemingly little care. To add insult to injury, they also refused to refund the expedited payment fee for the check they both created and returned. 

It seems very deceptive to advertise and incent account opening and XXXX XXXX sign-up to gain deposits and then prevent use of those deposits. There seems to be very little recourse to gain access to those funds and be made whole.
Product: Vehicle loan or lease

In XX/XX/2022, I contacted Bethpage Federal Credit Union to buyout an Auto Lease with them, and change it into an Auto Loan. 

After running through process problems with them completing that auto loan, I was finally able to complete it, and I submitted signed documentation to them in early XXXX, with the completion of the loan, to put the loan on Auto-Pay. 

In XX/XX/2022, I noticed that my credit score had been damaged because of missed payments on this Auto Loan. I contacted Bethpage, made the missed payments, emailed them the completed Auto Pay form from back in XXXX, and complained that my credit had been damaged. 

They summarily dismissed my complaint as " not their problem '' and refused to fix the credit report issue. I was under the impression that I had been put on Auto Pay. 

On XX/XX/XXXX, the night of XXXX XXXX, I was surprised that a Repossession person showed up at my door and took my car. Apparently I had not been put on auto pay again, and was missing 3 months ( XXXX, XXXX, XXXX ) of payments. Now I'm being charged a fee to pay for the repossession ( {$470.00} ). 

I have contacted Bethpage, they refuse to say that it's their problem in any way, can't give me information on why my auto pay was never processed, and won't help me file an internal complaint within their organization. They claim they are investigating, but I never see the results of their investigation other than a denial of fault, and more damage ( financial, suffering, credit score damage ). They refuse to help and claim that it's all my fault. 

I believe I have experienced XXXX XXXX with them, that I am being singled out, that their processes fail for some odd reason and I'm not being notified or helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove accounts listed in my valid identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with FRAUDULENT account and FRAUDULENT inquiries I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has violated my rights, they are reporting late payments to the credit bureaus and under these US codes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have reached out to XXXX XXXX XXXX XXXX  they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX XXXX permission which is another violation. 

My complaint is also with EQUIFAX, XXXX and XXXX who are allowing XXXX XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.I sent letters to XXXX, XXXX XXXX and Equifax notifying them of the violation but they are still reporting the payments late as well
Product: Money transfer, virtual currency, or money service

I am writing toward a fraud/scam that happened to me on XXXX XXXX of 2024. I was purchasing tickets to a festival that was going on near me and I was unfortunately scammed by the seller of {$1100.00}. My concerns regarding XXXX disputes in the recent CFPB lawsuit it highlighted major issues with XXXX platform. As I have used Zelle many times and reported fraud to both Zelle and my bank ( XXXX ), my reports have failed to even start an investigation adequately. They informed me that recovering any lost funds were impossible and to make sure XXXX not in this situation again. The CFPB lawsuit indicates that Zelle has not only neglected to protect customers but also allow offenders to repeat this exploit in the system leaving customers like myself vulnerable to scams. The lack of accountability and action is unacceptable and raises serious concerns to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : DITECH FINANCIAL LLC XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested corrections to my personal information with this bureau twice, each time they refuse to correct it and send me an inadequate response in an effort to avoid correcting the information. I see this as a direct violation of my rights under the Fair Credit Act. See attached information below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls continues to report account as past due. enormous increases to balance owed and outrageous late charges. On XX/XX/2019 I submitted a proposed settlement offer : Reference : Account Number : XXXX Kohl 's ATTN : CEO XXXX XXXX  XXXX XXXX XXXX, SD XXXX Dear Executive Officer : I XXXX XXXX XXXX am writing this letter to show my willingness to settle referenced account. Records show that I have continued to dispute Kohl 's increases to minimum payments due and the assessing of unwarranted late fees, with negative responses. Kohl 's has failed to provide a detailed explanation on these outrageous minimum payments due and assessing of late charges. Minimum payments due continue to be inconsistent. Kohl 's continues to show an inaccurate depictions of my credit scores, resulting being unable to achieve my financial goals and objectives. 
Even though Kohl 's unwillingness to provide a detailed explanation on these minimum payments due and assessing of late fees, referenced account continues to be paid on time. 
Based on this information, payment detail listings, and payment history reports, I feel that I do not owe as much as Kohl 's claims I owe and I am willing to save both parties a great deal of time and expenses by offering to settle referenced account for {$300.00}. Reported balance {$810.00} minus reported late fees ( {$510.00} ) = {$290.00} ). I am proposing making payments in the amount of {$50.00} every month until paid off. 
Kohl 's has failed to respond to this settlement offer or even submit a counter offer. Latest credit reports show that Kohl 's continues to show an outrageous balances, assess unwarranted late charges. According to several Negotiating settlement websites and after conferring with several Attorneys, Kohls was to have responded within 30 days of receipt of settlement offer.I was informed not to make any payments until I receive the proposed terms of settlement in writing on company 's letterhead with a signature from someone who is authorized to agree to proposed settlement offer. Against my better judgment, I continued to submit monthly payments, with the final payment made in the amount of {$18.00} Check # XXXX. Since Kohl 's has showed an unwillingness to work with customer to bring this account to a close, I consider this account as paid as agreed. Kohl 's actions or lack thereof continue to have a devastating impact on my credit scores. Kohl 's has depicted me as uncreditworthy.
Product: Debt collection

I have reached out to Wakefield & ASSOCIATES VIA PHONE AND EMAIL after I noticed on my credit report is an outstanding balance from the company, I never had an agreement with or signed any documents with. I call and spoke with XXXX on XX/XX/XXXX and XX/XX/XXXX letting them know that what they are reporting is incorrect and that I call to the hospital XXXX XXXXXXXX XXXX XXXX XXXX XXXX which is the same company and spoke this the billing department. I was told I have no balance with them, and they will send me the document. I told XXXX what the billing department told me which is I have XXXX balance with the companies. I asked him for his first and last name for record purpose he did not give me a last name he told me to email them to file for a dispute if what they are reporting is wrong, they will reinvestigate and remove and they will respond to me via email in XX/XX/XXXX hours. I never received an email. please help me get this false information removed from my credit report this is affecting my financial wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate credit reporting. I have written a letter to this Credit Reporting Agency to challenge these inaccuracies. Details of these issues are shown in the letter which is uploaded on this portal.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally lodge a complaint regarding Experians violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681i ( a ) ( 2 ), 1681i ( a ) ( 5 ), 1681e ( b ), and 605B. Despite my efforts to resolve this matter directly with Experian, you have failed to comply with these statutory requirements, including your obligation to address and block information under Section 605B in connection with a trafficking case.
Product: Mortgage

I was pre-approved by Pulte Mortgage to purchase a home from Pulte homes. ThisThis pre-approval was based on me fulfilling several things. My incomeneeded to be verified, I had to defer my student loans for a year, and I needed tpay off XXXX credit cards. I paid XXXX payments of {$500.00} each to Pulte as a downpayment and they told me my house would be complete by XXXX orearlier, but then told me it would be XXXX. I had picked a base modelthat only had some cosmetic changes like flooring and cabinet color. Thehouse was framed when I started losing hours and was afraid of losing my job. 
I immediately started looking for a new job so that I could still buy the house. Iended up losing my job and informed Pulte. I did get hired a week or so later, and would be starting a new job for less pay about 2 weeks later. I was toldby Pulte Mortgage that I would not be approved because of switching jobs andmaking less money. They told me I could apply with a co-signer but may stillnot be approved. I was told by Pulte homes that they were not returning my {$1500.00} because my mortgage was approved and I had defaulted. I neverreceived anything from Pulte Mortgage that I was approved and they hadnever even verified my income. I was also not able to pay off the credit cardsdue to reduced income because my hours were cut and I was makingpayments to Pulte. I also had yet to receive anything from my student loans toshow that they were deferred. During this time I received a call from Pultestating I needed to pay {$500.00} for an appraisal on the home. I told her I didn'thave {$500.00} and she said I could use a credit card. I told her I needed to payoff the credit card as a condition of my mortgage. I was told there would be no cclosing costs and did n't understand why I had to pay for an appraisal on ahouse that was n't even built. I asked Pulte Homes for my money back andwas told that they did n't have to return it because my mortgage was approved aand I was in default. I explained that I was only pre-approved and was n't able tto meet the conditions of the mortgage. I was left with no job and no money. 
Pulte offered to put my money toward the purchase of a home at a later date, but I will never buy a house from them. I just want and need my money back.
Product: Debt collection

Afini credit collection company fasley reported and fraudulent account on my credit reports and when i reached out to the company they provided me with false information and I repeatedly told the Representative that this debt wasn't mine, XXXX ID number is XXXX he informed that this was my debt.. I asked XXXX were there any mail sent to me inreference to this debt and he informed me no so how do you place something on someone's credit without giving them the opportunity to defend the debt or their case and he stated they didn't have to notify me and than I asked to be transferred to a manager and he sent me to a coworker voicemail so I hung up and tried calling him back but of course I got another representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Transunion glitch where they deleted a bunch of inquiries from credit reports, but didn't follow the law when they reinserted those back to my credit report.

In section 611 of the fair credit reporting act it states that anything deleted from your credit report and is later reinserted they must notify you by mail and they did not do so. I would therefore like all of inquiries removed.

Customer service would not take care of it for me. Listed below are the inquiries in question. XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX  : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiryXX/XX/XXXX XXXX   : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX
Product: Mortgage

My mortgage was sold to a servicing company approximately 3- 5 years ago, In XXXX of XXXX I was asked to provide proof of homeowners insurance which I did. First I had to prove I had my own HOA insurance and then I had to provide the XXXX 's insurance. Meanwhile the servicer went and purchased insurance on my behalf. I have received letters from the escrow dept saying that I have satisfied their request. 
In spite of this every month My account shows that I still have an escrow balance. I have been unable to make my payments on line for 10 months. I call it in and sometimes they apply it other times they take the payment but leave it unapplied. This results in my accounts showing delinquency and late charges. I have been getting letters stating that I can lose my home ( for being 30 days late when I'm not ) even though I have made the payments As a senior I feel that I am being harassed I am so stressed each month. 


I desperately need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a W2 from TD Bank for XX/XX/XXXX. I was not employed by TD Bank in XX/XX/XXXX and called HR and spoke to XXXX on XX/XX/XXXX to inquire what the W2 was for. She thought I had received someone elses W2 in error and said someone would get back to by the next day with steps to take to resolve. I received an email from XXXX XXXX on XX/XX/XXXX informing me that the W2 was for a payout from my HSA account that I received on XX/XX/XXXX. I explained to her that not only did I not receive an hsa   payout but I did not have an hsa account at that time. She informed me that payroll does not handle elections and I would have to call the TD Benefit Center. I called the benefit center and spoke to XXXX on XX/XX/XXXX. XXXX called the hsa provider, XXXX, and we both spoke with XXXX. XXXX confirmed that I did not have an hsa account at that time. XXXX recorded the entire conversation and I asked if they could trace where a check was sent or to what bank an electronic deposit was made. He said thats what would happen and that I would get a call back by Tuesday. On Tuesday, XX/XX/XXXX I received a 1099 DIV in the mail. I called the benefits center back and was told the same thing as before ... its for an XXXX payout I received. I have no idea if this is an error, if I have an identity theft concern, or if there was fraud. Both the W2 and 1099 are for the state of NJ. I reside in Maine and have never lived or worked in NJ.
Product: Student loan

We have noticed that the interest rate for the private loans keep increasing. I called Navient on XX/XX/2022 to obtain information as far as how high the interest rate will go. I was informed it could continue to go up as long as the government approves. 

Let me give some background information. I recall going to the financial aid office at XXXX University to question the interest rate since it was a much higher rate than other loans we had obtained. They informed us to look at the annual percentage rate on the truth in lending disclosure. 

In reviewing this information on our documentation, there is no indication as far as how high the interest could go which is what lead to my call to Navient. 

When I called on XXXX, the CSR informed me that my promissory note would indicate the variable rate and she would mail me a copy. 

I received the copy but there is no indication on any document that we could find that indicates how high an interest rate can go. 

The current rate now is 14.625 % and that is unreasonable. This documentation should indicate the least amount of interest we could be charged, as well as the highest amount of interest we could be charged. We have been doing everything we can to pay off one loan at a time, and since making large extra payments, the interest has done nothing but increase, and now its up 4 % points. This is extremely unfair, unreasonable and predatory. Students taking out loans should get information on their truth in lending statements of what the exact interest rate can be. The would variable is very misleading and doesn't really provide what the interest could be.
Product: Debt collection

These following Accounts were opened up fraudulent without my knowledge or permission. I '' m requesting signed documents with opening date for this account validation. FDCPA 15 U.S.C. 1692 XXXX XXXX XXXX XX/XX/year> Account # XXXX Amount {$530.00}