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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back and I don't know if it's a mistake I assume it has to be I have not been able to get help from them for a month I just fell they are not doing their job well and properly my account XXXX XXXX
Product: Debt collection

Amount is incorrect. Also creditor aka XXXX should be aware of a medical hardship I am currently going through.
Product: Debt collection

Please see the attached notice of arbitration & statement of claims, arbitration demand, and all exhibits. We are now in active litigation and will be assigned a case number soon. This is the official notice of arbitration and will also be mailing out another notice
Product: Vehicle loan or lease

Predatory lending practices. 

Impossible to get live person to talk to. 

Incorrect records on their part based on their poor lending communication. 

Age discrimination practices
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi, On XX/XX/2022, Monday morning I went in to pay my New Rez Mortgage # XXXX. I was charged a late fee. Since XX/XX/2022 fell on a Saturday, I should have been afforded the allowance to pay the payment on the next business day without penalty, that being XX/XX/2022. I have never had this issue previously, with this mortgage nor any other mortgage I have ever had. I fail to understand how New Rez has the ability to accept or transact payments on a Sunday as the Fed and the banks are close. How much does New Rez earn from this slight of hand
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, My complaint is against Wells Fargo for improper use of my information, I reached out to them personally after getting nowhere disputing unlawful reported information on my consumer profile to the third-party reporting agencies my dispute is for the LATE PAYMENT there choosing to report and LATE PAYMENTS are illegal according to the LAW Which states 15 USC 1681A ( 2 ) ( A ) ( i ) ( 2 ) consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give permissible propose to report, sell nor furnish any of my private information and this was on XX/XX/XXXX they reached back out to me and said they received my inquiry and will get back to me well XX/XX/XXXX I received a letter in the mail saying and I quote under Credit Reporting : Per the enclosed Consumer Credit Card Customer Agreement & Disclosure Statement ( Agreement for your account Wells Fargo may report information about you to consumer reporting agenciesetc but what they fell to recognize or acknowledge what is and what is not apart of ones consumer report by LAW which I stated and pointed out to them and they bluntly dont care and choose not to follow the LAW about unlawful reporting so Im filing this complaint and contacting other institutions, to outline the clear and obvious breaking of the law after I notified and Warned them of this inaccurate and unlawful reporting without my written permission which is also identity theft according to 15 USC 1681b ( 2 ) several laws have been broken but there not the only corporate just one of the last ones on a journey to reclaim justice I hope you can aid me in this matter maybe they will get a better understanding of what is and is not allowed by LAW upon someone consumer report because LATE PAYMENTS ARE NOT
Product: Debt collection

I have run my credit and it is show XXXX separate loans when I 've consolidated them into XXXX. Progressive Financial Service , Inc. is the XXXX handling my Collections. They refuse to show me my agreement to pay XXXX $ monthly deducted from my checking account. They are reporting to the bureau I owe over {$23000.00} when I only owe {$12000.00}. I have document to prove my amount owed. They refuse to remove me from a definition of their own policy to help me re-rehabilitate myself credit wise. They refuse to understand life situations and recognize my yearly attempts to pay them off. This is affecting my lively hood and any future attempts to purchase anything for my family. I dont know what else to do. Please help me. If I could work with another creditor I would. If there is any information you can provide I would greatly appreciate it. 

-XXXX
Product: Credit card or prepaid card

TD bank closed my accounts in XXXX. I went to the local office asked the reason, the agent got a response for no reason, only according to company policy. On the same day, The agent checked out my account and paid off all the balance. 
After two months I got a letter from TD bank in XXXX, there is still a balance on my account, and created a fee charge. I went to the local office, i disclaimed the charge because the previous agent gave me incorrect information about my account. the manager assistant called the customer service, according to company policy, I was requested to pay the fee in advance, and then TD would send me a check with that amount as a refund. 
On XX/XX/XXXX, I got a letter fro TD bank, I would not get the check. I went to the local office and found out the manager assistant, she told me she cant do anything for me. In The whole issue, I dont do anything wrong, I was cheated by TD bank.
Product: Debt collection

My sister was staying at a property that I owned. The agency called on XX/XX/XXXX and told me that I had a cable account with a balance that was placed with them. I told them I didn't live there so that is not possible. I asked if they are sure it is in my name, they said yes it is in my name. I called them back on XX/XX/XXXX, they confirmed a second time that the account is in my name and that I owed the balance. I contacted the cable company XX/XX/XXXX and was told that is not correct and that they account is not it my name for the service address and phone number the collection company was referring to. I think they just looked up and saw that I owned the property at that time and deceived me that I owed a balance.
Product: Checking or savings account

HSBC froze my assets without notifying me and this resulted in returned payments for my mortgage ( XXXX Bank ), credit cards ( XXXX XXXX and XXXX ), auto loan ( XXXX XXXX XXXX ), and electric utility ( XXXX ). I was unable to access my funds held by HSBC. 

When the payments were first returned, I was assured it was an error and that all automatic payments would go through without delay. Nevertheless, additional payments were returned. HSBC later informed me that HSBC provided incorrect information and that all payments would be returned. 

At no time did HSBC acknowledge the issue and instead dismissed me suggesting I should have simply used other bank accounts to pay my monthly bills. My entire paycheck is deposited with HSBC, and I had no other account or funds available. HSBC had no problem holding onto my paychecks during this incident. 

Altogether, I received late fees and interest charges amounting to several XXXX dollars. This could have been avoided if HSBC proactively communicated about the potential fraud issue rather than waiting for me to contact them after returning my automatic payments. 

Several HSBC representatives confirmed that I would be reimbursed and would receive a call back. I never received a call back. 

I placed another call today and the representative said I would not be reimbursed and should instead work with the merchants directly. The merchants have declined to assist and instructed me to work with HSBC as it was HSBC 's fault and HSBC should be held accountable. 

I have spent more than XXXX hours on the telephone with HSBC and the impacted merchants to resolve this issue with no result.
Product: Debt collection

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2021 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card or prepaid card

My prepaid gift card from XXXX is consistently declined even though it shows a remaining balance of {$18.00}
Product: Mortgage

In 2022 I assumed a loan from myself and My now ex-wife in order to avoid refinancing my mortgage. Freedom mortgage, who I never wanted to work with, but purchased my mortgage from the originator, then after the fact deleted my account without informing me and I have since been unable to view said account online because " the previous borrower 's information would be available to me ''. Time went on and I recently moved and purchased a new home on my own in another state, intentionally avoiding working with Freedom Mortgage, but they bought it out in the end anyways. I am now unable to view or manage the new mortgage online because they said " the accounts are linked by the Social Security Number and will never be allowed to have an online account again because the previous borrower 's information of the other account would be viewable ''. 

Complaint number One is that the previous borrower is myself and my ex wife, of which i still have the previous financial records from because they were all shared accounts so there is no viable reason to stop me from viewing my first mortgage. 

The second complaint is that I am being penalized on my new property because of the previous mortgage. 

It seems absolutely wild that consumers have ultimately no choice in who services what is likely to be their largest purchase of their lives and are forced to deal with companies such as Freedom Mortgage, who have been unaccredited by the XXXX XXXX XXXX due to their constant complaints. Against my will, this company holds $ XXXX of my risk and debt in their hands and refuses to let me view and manage it online as is the standard in todays age.
Product: Credit card or prepaid card

Capital one credit card is making fraudulent charges on my card. I was enrolled in auto pay for years, suddenly on the month there was fraudulent charges, the auto pay was not taken by the bank. Then they stack fees and interest. I received no phone call, e-mail or mail, until there was several charges, then when I did call, was told they would take off the erroneous charges, along with making sure it did not show up on credit report. I have written 4 letters to get the 30 day off my credit and they have not. When you look at the statements there are many erroneous charges that cont., they have charges on the statement for XXXX of XXXX-showing charges for XX/XX/2017. There are missing pieces to the statements, unexplained items, and missing data. I have statements, and excell spread sheet to prove the fraudulent activity being done by Capitol One, it is obvious they are doing this on purpose. There needs to be a class action lawsuit and Capital one needs to be held accountable. I just want the one and only one 30 day late on my perfect credit score OFF!
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion that I am a victim of identity theft. I did send all supporting documentation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Dear TransUnion Please, I am disputing the date of the last activity for account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX delete this item. 
It has been re-aged. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX - XXXX - Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX - XXXX- Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Mortgage

I started a refinance with Quicken Loans LLC in XXXX of XXXX. Loan # XXXX. I am also the XXXX XXXX on the file. Right away I had problems. First they told me my XXXX number for my company XXXX XXXX XXXX that I've had since XXXX was wrong. I called IRS and they said Quicken was wrong. Quicken then said it was not up to IRS it's up to FHA. I called FHA and a supervisor said Quicken was wrong and sent me a screenshot of my FHA XXXX number. I sent in a complaint to CFPB. Quicken backed down. 
Quicken then spelled my street name wrong. Their escrow and title company had to over rule them and correct it in the computer. They had my dba wrong. They had the funding figures wrong. I had to correct everything. 
Finally I thought we were ready to close. But this is what my complaint is about. They said a mobile notary would come to me. I spoke to the first one and set up a time. I got a call before the appointment and the notary said she'd overscheduled and cancelled. I spoke to a XXXX XXXX who said she was supervisor of closings at Quicken. Her address is XXXX XXXX XXXX XXXX Michigan XXXX. I told her I would prefer to sign at an Escrow or Title office. But they had another notary call and she said she could make it. I told her I'd like a copy of what I sign and if she doesn't have a machine I have my scanner right here. She said no. I could not copy what I sign. She said it was against the law. 
I have always been aware that a person should get a copy of a contract they sign. I've been in the business a long time and have seen every escrow or lender give a copy of signed papers to borrower. XXXX XXXX said this is their practice. 
I volunteered to meet at My bank or any escrow to sign but she said no it has to be their mobile notary. Obviously the notaries are not independent. Because they won't make a copy of my signed contract I'm not confident they are being honest or independent.
Product: Debt collection

I have contacted this companies regarding the debt that was for validation of debt. 

1stpt I contacted this company on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 by mail via XXXX, XXXX, and XXXX. This company failed to validate my requests. The company have deleted the debt from XXXX   but failed to delete the debt from XXXX  and XXXX. I have threatened to pursue legal actions at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A 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 with my written consent.

Im not aware of this account
Product: Checking or savings account

Bank of America froze my 2 checking accounts on XX/XX/22. I was informed the accounts were being closed and that process was completed on XX/XX/22. I was originally told a cashiers check would be mailed with my funds once the account was closed. I was informed on XX/XX/22 that the funds were under review. Ive made numerous calls and visited two local branches of the bank but still have not received the funds from my accounts, which total about {$9300.00}. 

Through the repeated phone calls Ive made, I was told that there is an internal Bank of America department reviewing my closed account to determine if the funds belong to me. But nobody at Bank of America can directly communicate with this department. Ive been told on several occasions that escalations were sent to get an update on the status of my funds. But as of XX/XX/22, theres been no update to my account whatsoever. Ive received absolutely no help or resolution to my issue. Its been 50 days since my account was originally frozen and I want my money returned to me ASAP.
Product: Checking or savings account

During the weekend of XX/XX/year>, I attempted on several occasions to apply for a BMO Alto certificate of deposit or " XXXX. '' The term is 48 months and the XXXX at the time was XXXX percent. Unfortunately, each time I applied for the CD, I was denied. My application consisted on inputting my personal information including my XXXX XXXX XXXXXXXX and date of birth. The denial e-mail message I received from BMO was very nebulous and stated the following, " Hello XXXX XXXX, Thank you for your interest in BMO Alto. Unfortunately, your account application has been declined. If you believe you have entered information incorrectly, we invite you to re-apply. Thank you for choosing BMO Alto. 
Application ID : XXXX Email ID : XXXX ** This is an unmonitored mailbox. Please do not reply to this email. ** '' On Monday XX/XX/XXXX, I called the BMO Alto customer service number and spoke with a representative that emphatically told me she could not provide an explicit reason as to why my applications were denied. When I protested, she indicated she would file an internal complaint and secured my contact information. Unfortunately, I never received a reply. On Thursday XX/XX/XXXX, I visited the BMO branch at XXXX XXXXXXXX XXXX  XXXX in XXXX and spoke with XXXX. He emphatically told me that the online banking division is completely separate and there is nothing he could do to help me or direct me to somebody that could be of assistance. 

The refusal of BMO to provide me with specific information as to why my application was declined is highly disappointing and may contraindicate the regulations that require an explicit notice of adverse action of " XXXX. '' If my application was denied because of the inability to a credit reporting agency to verify my identity, I should be provided with the name and contact information of the agency so I can resolve the problem. I may purchase a home later this year and I want to ensure there are no issues with my credit reports.