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

accordance with the Fair Credit Reporting act XXXXXXXX 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: Checking or savings account

I was charged over draft fees from my navy federal checking account when I was in the XXXX program and now my accounts are closed
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

Items need to be disputed : XXXX : XXXX. XXXX XXXX BANK XXXX Account XXXX : XXXX Date XXXX Balance Owed : $ XXXX XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX : XXXX. XXXX XXXX BANK XXXX Account XXXX : XXXX Date XXXX Balance Owed : $ XXXX ChargeOff XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff Transunion : XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff
Product: Checking or savings account

XX/XX/year> I received an email stating that my Chime account had been closed to do failed to comply with the terms of your deposit account agreement, I did not understand what this was about since I have never experienced this. I contacted Chime 3 times and was told the same thing that they could not release any information because they could not verify my identity and that my account was not eligible for a refund so that I would not be getting my money back. I explained that I had been using them for months with no problem and the only deposit that I had going in was from my place of employment and they could see and verify that. I told them I could verify anything they asked and also asked for them to open my account so that I may withdraw my money and then they could close it and I would bank elsewhere, they refused and told me the account could not be reopened and I again would not be getting my refund back. I had over {$700.00} in the account as partial was a partial payment for my rent. I explained that I am a single mom and that they had just took all of my money and basically stole what was not theirs, I was not notified or given heads up about anything. I have been left with not one cent, and they continue to refuse to let me withdraw the money that is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I am submitting this complaint on behalf of an unauthorized in credit report inquiry supplied by Equifax. The creditor in dispute is listed as XXXX XXXX XXXX XXXXXXXX XXXX. According to my credit report pulled on XX/XX/2020, Equifax fraudulently released my credit profile to XXXX XXXX XXXX on XX/XX/2020. 

I do not currently have an account with XXXX XXXX XXXX, in fact, it's been more than 5 years since I've done any business with this company. And that was in a completely different State than where I reside today. 

On or around XX/XX/2020, I inquired about getting internet services at my home. Because of COVID-19 I  was unable to contact anyone by phone and proceeded to their website to see if the service was available at my address. I provided my Name, Address, and Phone Number. I did not provide my Social Security Number or any other identifying information, nor did I authorize a credit check of any form ( soft or hard inquiry ). I was simply curious which packages/offers where available at my location. 

Accessing my credit report in this manner, and without authorization is a direct violation as a consumer. 

I've been unable to successfully contact XXXX XXXX XXXX to dispute directly and Equifax is not providing me the option to handle this through them, which I why I need the help of the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding unauthorized hard inquiries that have appeared on my credit report. I have recently reviewed my credit report and noticed several hard inquiries from companies listed below that I did not authorize. 

- Company : XXXX XXXX. Date of XXXX : XX/XX/year>. 
- Company : XXXX. Date of XXXX : XX/XX/year>. 
- Company : XXXX Date of XXXX : XX/XX/year>. 
- Company : XXXX XXXX XXXX Date of XXXX : XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ) and 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ), I have the right to dispute any information that I believe is inaccurate or incomplete. Since these inquiries were made without my consent, I believe they are in violation of the law, and I request that they be removed from my credit report. 

I urge you to investigate this matter and take appropriate action to eliminate these inquiries. These unauthorized hard inquiries negatively impact my credit score, and I am concerned about their effect on my financial well-being. 

Please inform me of the steps you will take to rectify this situation. I appreciate your prompt attention to this matter.
Product: Credit card

IT seems that Synchrony Bank reduced my credit limit from {$1300.00} to {$120.00} even though I have never been late with a payment with this account, have always paid on time, and the card was pre-approved last year without any questions asked even though I have a bankruptcy from 2017 on my credit bureau report. IT is unsecured as well. I have many credit cards that are in good standing and current and there shouldn't be any reason why my credit limit on this particular account should be decreased, if anything it should be increased back up to the limit is was before it was changed as I have stated, I have a good paying record. IF it is because of a problem I am having with another creditor listed on my credit report, well, that has nothing to do with my paying this account every month when there is something owed on it. IT is unfair to target this account because of non=current problems with other creditors cause this account ending in XXXX is current and always has been. Now, If the account wasn't current, then I can understand decreasing the credit limit or even closing it per issuers protocol ... I think it is " unfair '' / '' unreasonable '' under the Fair Credit Protection Act to decrease the credit limit based on another creditors listing, since this account has already been open for some time if it is decreased because of another creditors notes or delinquency well, " That '' doesn't have anything to do with " THIS '' account.Synchrony Bank should only be concerned with the monthly payments on this account ending in XXXX and not others that don't " have anything to do with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint as a general consumer credit reporting concern for unfair reporting practice, as opposed to a specific reporting error I have experienced on my own credit report. 

I work in the field of consumer and business finance, regularly working with clients attempting to get direct or indirect funds for business start-up. 

There are many occasions when clients at some point in their credit history have shown late payments on a student loan, and their scores appear meaningfully lower than what they anticipated. 

A commonality in many of those instances is that a borrower who may have a single loan payment due to their student loan serving company actually shows several different credit account lines on their credit reports, all timed to the same loan payment. 

Each semester that a loan advance is issued, a separate trade line appears on the credit report, but these various loan advances, once they come into repayment status, are generally made to the XXXX XXXX as part of a single, consolidated payment. 

If there ever is a late payment, such as when a loan comes out of deferment without a borrower 's realization, the credit bureau does not simply show one late payment. It reflects every single trade line, for each separate loan advance, as having had a missed payment. I have witnessed clients who likely were late on a single payment, or a single loan for multiple payments, whose credit report is unfairly harmed by several different loan advance trade lines all reporting as if the individual payments were late, instead of just a single payment account being delinquent. 

I have personally observed examples of 8 to 12 different adverse trade lines reporting as a result of a single payment being late. 

This practice is punitive and, in many cases, is not at all reflective of the payment history the borrower demonstrates across their broad credit file and history. 

I do not know where this observation is best directed, but I felt that making the CFPB aware was the best starting point, with my local legislators being next, in case there is an ability to direct student loan companies to fairly report one late payment as one late trade account on the bureau when there is only one actual payment being processed.
Product: Debt collection

XXXX XXXX XX/XX/year> ACCT # XXXX IS IN VIOLATION OF LAW CODE AND REPORTING INNACURATE INFORMATION 15 USC 1681
Product: Mortgage

Residential Mortgage Services ( RMS ) provided predatory lending : the unfair, deceptive, or fraudulent practices of some lenders during the loan origination process. I had a credit score of over 750, income of over {$65000.00}, no current debt, good work history, and over 20 % down payment in cash. The branch manager failed to educate and purposely provided selective information about FHA and Conventional loan. He explained the Conventional loan as " no good '' and referred to it as the " XXXX '' loan who only benefits " white people ''. The FHA loan was explained as the " Obama '' loan and the only loan that I would be able to qualify for. He intentionally and purposely informed me of information to force me to obtain a FHA loan. False information was provided to me. For example, I was informed by him that the only way to eliminate a PMI was to provide a 20 % down payment which is incorrect. After gathering further information, I created a chart flow that presented the amount of money I would be required to pay over the life of the loan for both the FHA and Conventional loan. It clearly demonstrated that thousands of dollars would be saved with a Conventional loan. This goes to show that obtaining the FHA loan is beneficial to RMS than it is to the borrower. All information gathered as well as the chart flow was brought to the branch manager 's attention where he admitted that it is accurate and that he failed to provide us with this information which resulted in us choosing the FHA instead of Conventional loan. He stated he was " sorry '' but being that it is the day before closing we had to proceed with the FHA loan. Prior to this meeting the day before closing, I tried numerous times to contact the office by email and phone but was ignored. The office purposely ignored us to by time and to prevent us from switching to the Conventional loan. The branch manager also forced us to use a particular lawyer and even credited us money towards closing to use her. The day of closing the lawyer forced us to sign all paperwork all while only one owner was listed on the title. The branch manager knew to include both names to the title and ensured us it would be done yet only one name listed at time of closing. The lawyer stated that lenders do not recomend quick claim deeds but that is how she will add the second name to title. The branch manager was contacted numerous times by all parties at the time of closing and failed to respond. He responded 4 days after closing. 

Please see attached of a previous customers experience at RMS : http : XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing my letters for the longest and no one is seeming to take my complaint into consideration. Ive had issues attaching my report along with my letter but I was finally able to attach the report. Please investigate my complaint.
Product: Money transfer, virtual currency, or money service

I use their user interface trading platform, and am in compliance with all of their terms of service. Yesterday, unexpectedly and without notice, I was denied access to my account when has quite a large sum of money. After noticing the problem I immediately phoned the support number given was was only told that they acknowledge my problem, apologized, and said someone would contact me shortly. After waiting for my issue to be resolved, I phoned the support line again, spoke with a supervisor who stated that I must wait on a " specialist '' to resolve my issue. Since then, customer report has been unresponsive to my attempts to contact them. I am at risk of losing a considerable amount of money due to the misfeasance by this company and have been robbed of the control over my funds and assets. For the company 's reference, by original Case ID # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that these following items are Unauthorized Inquiries and are showing on my credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I already reached out to the Credit Bureaus but no changes has been made and these inquiries are hurting my credit.
Product: Debt collection

I submitted a debt validation letter to XXXX Services on XXXX XXXX, 2015 and have a certified receipt to prove that they have received a noticed and never responded.
Product: Consumer Loan

A company named Coast Professional Inc utilizing an address of XXXX XXXX, XXXX XXXX, LA XXXX is attempting to collect a purported debt that if valid, would have been at least XXXX years old. Under California law, where this purported debt would have arisen, the Statute of Limitations ( SOL ) is XXXX YEARS. This appears to be a shake down by a shady firm who probably bought this debt for XXXX cents on the dollar and is hoping that people will acknowledge the debt and restart the SOL. This is harassment. I have responded them in writing, as requested by the shady company, that I do not acknowledge the debt and that I am reporting them to the CFPB. Moreover, in there letter, it states that if you do not dispute the validity of the debt in writing - they will construe silence as a reaffirmation of the debt.
Product: Checking or savings account

I was renting a space to park my truck at XXXX XXXX XXXX  in XXXX, Florida. They sent me a notice that i need to vacate the premises by XX/XX/2022, in which I did. The woman that was handling the payments passed away, and the recurring charges continued, the business is blaming the poor woman, nonetheless, I contacted Wells fargo Bank, I filed a dispute. They agreed, however, they only refunded me {$290.00}. The total amount of the unauthorized charges amounted to {$630.00}. The storage unit refuses to refund me the difference of {$330.00}, and so does Wells Fargo. I contacted Wells Fargo and even visited a local branch, they said initially they were only liable for {$290.00}. When I called them back and spoke to customer service, on XX/XX/XXXX, they sated that they would refund me the other amount of unauthorized charges, with the method of a manual credit. I called back, they have no recollection of such conversation. They did not do what they promised to do. I have not received my refund as they stated. Thank you.
Product: Debt collection

In accordance with the Fair Credit Reporting act, American Express, 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. 

Account Paid In FuLL
Product: Debt collection

Continuing to contact me by phone/text/email where Ive asked them to stop repeatedly.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service support and unfair practices which violate the Consumer financial Protection Act ( CFPA ) specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Which resulted me taking a significant inconvenience and financial loss.
Product: Mortgage

XX/XX/XXXX Account Number XXXX This is the fourth or fifth time complaining about my mortgage company, Roundpoint. I am currently attempting to secure a successful short sale of my property and this is the second time that i have secured buyers threaten to walk away because Roundpoint is dragging their feet with timely processing. My attorney and listing agent has worked tirelessly to get this short sale completed. Roundpoint continuously allows time to transpire letting timely delivered correspondence to expire and my having to submit documents over and over again. I attempted a short sale in XX/XX/XXXX that fell through because of this same issue. I then attempted a loss mitigation that was forever attempting to get completed and was only done after i submitted a complaint and then it was more than my original mortgage payment. Now again attempting short sale because of illness and loss of work that started on XX/XX/XXXX. As of XX/XX/XXXX the 90 day contingency has expired and the buyers are  now threatening to pull out of the deal because of the lack of confidence of ROUNDPOINT internal processing!! This is unacceptable. One because my case is not escalated it is still being handled by a POC that does n't respond in a timely fashion and two because this will be the SECOND time losing a sale on my home. WHAT THE XXXX is going on over there!!
Product: Debt collection

I keep getting the same calls saying I owe XXXX different debt, when I ask for information on them they wo n't give me any infor unless I give verify my social security number. I tell them I wo n't but just give me the name of the debt I owe & they say unless I give them my SS # they ca n't release that information. I then asked for the name, address & Company info & they refused to give it to me. The company name that comes up is Concord Resolutions. They tried this a while back but I told them I was going to report them & they quit now here they go again.
Product: Debt collection

I received my credit report and noticed an unverified debt lingering on my credit report. Disputed with the three major CRA 's as of YET ... to no avail. I've never done business with Franklin Collection. This unverified account has attempted to ruined my life.
Product: Debt collection

I never received any communication, documentation from AWA in attempts to collect a debt from XXXX 2011 and have been trying to contact this company to ask about the debt but my calls have not been returned.
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ATTN : EXPERIAN TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS TRUST UNAUTHORIZED ACCOUNT READS : ALLEGED ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT AND IVE FILED An FTC REPORT XXXX UNDER OATH I HAVE NO CONTRACTS WITH THIS COMPANY AND THIS ALLEGED DEBT ALSO IF THIS WAS MY DEBT THIS COMPANY ISNT EVEN LICENSED TO COLLECT IN THE STATE OF TEXAS. ALSO I HAVE NO DEBT REPORTED WITH THE SECRETARY OF STATE WHICH IVE SUBMITTED A CERTIFIED NOTARIZED COPY .IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE ALLEGED ACCOUNTTTTTTTT IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 
SINCERELY, XXXX XXXX XXXX UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Product: Checking or savings account

I recently opened a joint checking account with my partner at Ally Bank to combine our finances and pay for things together. But then when I had a wire transfer come into our account from a family friend, and we wanted to invest that money into XXXX brokerage account, Ally flagged our account as fraud and froze all our assets. Completely unreasonable, and now we cant access our bank account that holds over {$300000.00}. We need this money, now. Ally has no right to hold onto our money and block us out and not answer our daily phone calls to the investigative team.
Product: Credit card or prepaid card

Hi, Someone made purchases using my Wells Fargo credit card for over {$10000.00}. This consists of a total of 9 fraudulent transactions made at an XXXX XXXX in XXXX, XXXX on XX/XX/2021. ( I live in XXXX, XXXX and have not been to XXXX, XXXX in several years! ) I have notified Wells Fargo and they are investigating. Could you please look into this matter as well. I am attaching the Wells Fargo statement showing these 9 fraudulent transactions made on XX/XX/2021. I am also attaching a report I made to XXXX Police on the same issue. Thank you and looking forward to hearing from you on this. 

Best, XXXX XXXX Phone : XXXX Email : XXXX XXXX