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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Collections XXXXXXXX XXXX- Account # XXXX All these accounts have 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: Mortgage

On or about XX/XX/year> I received a call from our Lender ( BSI Financial ) that we were in default because two years prior we placed the subject property into an XXXX and didn't ask their permission. We went back and forth and was told they would go to their investors and see if they would accept the change as we were never late with payments. 

On XX/XX/year> I received a certified letter from BSI Financial that we were in default of the terms and they were calling the note due of {$570000.00} to be paid in full by XX/XX/year> or they would " Invoke the Power of Sale ''. 

Rather than challenge them any further we agreed that we would payoff the loan. I requested payoff/ wire instructions that were sent to me by email. When I reviewed the information it showed a different amount of XXXX, an + {$11000.00} difference. When I called BSI Financial to ask why there was the additional amount I was told to pay the higher amount as not " hold up '' or " cause possible delay to occur to release our liability ''. The higher amount was a " minimum interest/ prepayment requirement ''. We paid the higher amount as to put this past us. 

My complaint is we should not have had to pay the prepayment penalty of {$11000.00} when they called the note due.
Product: Checking or savings account

On XX/XX/year> i visited a citi bank branch located at XXXX XXXX XXXX to make a cash withdrawal from my checking account i had recently opened and the teller racially profiled me and told me i cant access my funds because its suspicious. After asking multiple times how to resolve this issue she stated she doesnt have time to deal with people like me she will just locked my account and i can deal with it with someone else. I explained how XXXX is next week and without any way to pay for XXXX gifts or even food i will likely not be able to recover from it. I currently have no funds to my name as i wait to hear back from somebody from the citi bank response team in which after looking at tons of reviews about citi bank everybody has had this same experience if not worst with this specific bank and branch which leads me to believe its a bigger problem at hand then jus my account being frozen days before XXXX to humiliate me or take advantage of people. please contact me back soon as i hope to get this resolved before XXXX thank you and XXXX bless
Product: Debt collection

On XXXX XXXX XXXX XXXX Someone used my information to open an account in my name at XXXXXXXX XXXX. I have since tried to get a fraud alert and or lock my account due to these issues. I have stated this information to XXXX and sunrise credit services and they are still reporting this account as being mines and it is not. Im so frustrated about the correct customer service I am not getting and I will continue to fight to get this off my record because its not my account.
Product: Money transfer, virtual currency, or money service

On about XX/XX/2018, my account on Coinbase and XXXX was locked for no apparent reason - specifically, Coinbase prevented me to do any additional Buys - which automatically locked me out of logging into XXXX where all of my funds are currently stored. After numerous calls and emails, I have not heard back nor got any further explanation except that there must be an error and my case number : # XXXX or # XXXX was being escalated. As of XX/XX/2018 - I have not heard back from them on what progress is being made to release my account back to me so that I may get my funds back into my hands.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX  Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency That I might be qualified for under Section 616 and Section 617 if the unverified things recorded underneath are not erase right away. A duplicate of this letter just a duplicates of the three composed letters shipped off you beforehand will likewise turn out to be essential for a conventional objection to the Federal Trade Commission and will be utilize as proof in forthcoming suit furnished you neglect to agree with this proposal of settlement. Regardless of three composed solicitations, the unsubstantiated things recorded underneath still stay on my credit report infringing upon Federal Law. You are needed under the FCRA to have a duplicate of the first banks documentation record to check that this data is mine and is right in the consequence of your examination, you expressed recorded as a hard copy that you checked that these things are being accounted for effectively? Who confirmed these records? You have NOT given me a duplicate of ANY unique documentation ( a Purchaser contract with my mark on it ) as needed under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) Besides you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). Kindly be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA -- - you are needed to immediately DELETE all data which cant be confirmed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, a bankruptcy was filed on my credit report, which was dismissed by me because nothing was filed in court, so this bankruptcy was never legally issued in my report, leaving aside all the information. 

During this time I have tried to get the LexisNexis Company to verify the information, correct and remove from my report any information regarding said bankruptcy, since unfortunately the information they share is inaccurate, incorrect and without data in the history so you can see in the attached files that are the credit report sent by LexisNexis where you can verify that all the information shared is inaccurate and incomplete, where they show an open bankruptcy. when on XX/XX/XXXX of the same it was dismissed since no legal allegation was filed. 

Likewise, if the bankruptcy was open, they have the obligation as established by the CFRA to confirm verifying and sharing correct and accurate information and not half-information where my credit report is significantly affecting me..
Product: Credit card

I have attached an OCC investigation complaint. My accounts were closed illegally violating multiple consumer laws. 15 usc 1666a, 15 usc 1666b2, 15 usc1666e. Accounts can not be close for reporting a billing error. I received no documentary evidence pursuant to 15 usc 44. Pursuant to 1681a ( 2 ) ( A ) ( i ) a credit report containing information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED. I requested that these accounts be removed and they have not done so. Pursuant to 15 usc 1666d If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. 
The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583.
Product: Checking or savings account

On XX/XX/23 we filed 3 affidavits of fraudulent use of our checking and savings accounts at the XXXX XXXX in XXXX NJ. 3 checks were split deposit with cash back totaling approximately {$6400.00} at XXXX branches in XXXX NJ. The checks used by a perpetrator were not even micro encoded with Bank account or routing number. In addition, checks were not endorsed with signature. In addition, we seldom go into a branch, which would only be in XXXX NJ, we use online banking, electronic banking and ATMs. NOW XXXX IS TELLLING US OUR CREDIT CAN TAKE UP TO 30 DAYS!!!!!! These transactions were not performed by us, they were negligence on the part of the the XXXX staff - banking 101!. There is no reason for them not to credit our account.
Product: Debt collection

This company, Dynamic Recovery Solutions, repeatedly robo calls my phone number and after multiple attempts on telling them to not call me, that I do not owe any debt to them ( nor have they ever properly verified or identified such ), tried hurting my excellent credit score ( which the reporting credit agencies finally removed ). I want them to stop and I will also sue them if they continue to harass me. I 'm hoping you can help. Do any type search of this company and you will find thousands of people harassed by them and them performing illegal activities. They use phone numbers XXXX and others.
Product: Bank account or service

Bank of America ( XXXX ) will not close the claim from 2012, they have also duplicated the claim which is causing me not to be able to get home owners insurance anywhere else at an affordable price. I have spoke to numerous of agents with XXXX and told that it has been taken care of and when I try to get insurance from another carrier the claim information from 2012 is still showing.
Product: Debt collection

SchoolsFirst uses their unique position as a branched bank to execute XX/XX/XXXX collection tactics, while skirting FDCPA and FCRA laws. Aprox. 7 months ago, my spouse visted the XXXX CA branch to apply for an auto loan for our daughter. This was an individual application with no co borrower. 

For reasons unknown, the agent told my spouse that I owed the bank money. My spouse was confused because she did not solicit any information regarding any accounts, balances, disputes or alleged debts not associated with her legal obligation of repayment. 

My name was not given, and I was referred to as " her husband. '' The agent had no idea of our legal marital status, and assumed that we were still married. 

After speaking at length with XX/XX/XXXX, one of which being XXXX, the branch XXXX from XXXX CA ( who basically stated that she questioned the validity of disputed debt disclosure in her branch ), it is absolutely evident that the Credit Union is practicing questionable tactics to recover disputed debts and skirting consumer protection and collection laws by divulging information to other bank members in hopes of embarrassing them or generating payment from disputed debts while calling themselves " creditors '' and acting in the capacity of a debt collector.
Product: Credit reporting or other personal consumer reports

XXXX XXXX provided me with a truck loan, loan XXXX. Theyre incorrectly reporting me 30 days late for XX/XX/year> to Experian and XXXX XXXX XXXX already got my dispute and correctly removed the 30 day late. What happened was for XX/XX/year> I made the payment on the XXXX day which was a Sunday, and since theyre closed on Sunday companies under proper credit reporting guidelines are supposed to give the payment until XXXX the following business day to post. My payment was not over 30 days late, it was made on the XXXX day, making it not over 30 days, which XXXX correctly reported. This incorrect 30 day late on XXXX and Experian is causing me to not be about to close on a home mortgage for my family. Ive never paid 30 days late on any account on my life, and this error is harming me and my family severely. XXXX XXXX is incorrectly refusing to remove the 30 day late with XXXX And Experian. XXXX attaching a copy of XXXX removal of the 30 day later from XX/XX/year> reporting.
Product: Money transfer, virtual currency, or money service

In 2021 I have lost thousands from using zelle from unauthorized transactions. Despite using zelle and reporting the problem my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was not going to happen and that tracking therse transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect me but has also allowed repeat offenders to exploit the system, leaving me and others vulnerable to scams.
Product: Mortgage

I XXXX XXXX, homeowner of XXXX XXXX XXXX XXXX XXXX have been submitting modifications for the past 10 years. Lawyers were used as mediators to work out the modification process and submission of documents. But still modifications were ineligible and denied. At the present time I have an attorney and a modification program was approved from {$3400.00} a month to XXXX a month starting on XX/XX/2023. 
I find this unfair and not a feasible mortgage payments. 

Bank of America is the Mortgage lender at the present time.
Product: Debt collection

Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX {$1500.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : PORTFOLIO {$1100.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX {$650.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX  XXXX XXXX {$130.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX  XXXX  XXXX  {$120.00} ACCT # XXXX I noticed that you are reporting the referenced account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately.
Product: Debt collection

Moxley & Associate LLC have failed to comply with my numerous prior validation request sent to them, in direct violation of Title 15 U.S.C 1692g.
Product: Credit card or prepaid card

XXXX  XXXX  sponsors XXXX  XXXX XXXX credit card. The credit card offer at the store is deceptive and offers a discount that customers can not attain. On XX/XX/18 I attempted to take advantage of the published offer and was told that I could not get 15 % PLUS the 20 % on my " entire first purchase. '' The store manager stated that it was either/or but that is not what their advertisement states. Please review the " in store '' marketing material and it clearly states that customers can get 15 % off when they use the credit card " Plus get '' 3 different deferral payment plans " or '' 20 % off the entire first purchase.
Product: Credit reporting or other personal consumer reports

Experian informed me via email about a major derogatory account that has been put on my credit report on XX/XX/2024 without properly verifying or without my written consent. This is not my debt and I have no knowledge of who the company is who reported the debt to Experian.
Product: Debt collection

I received notice from MIDLAND FUNDING about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND FUNDING on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent MIDLAND FUNDING another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND FUNDING on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

This account is now closed and was reported 60 days late on XXXX XXXX. It is impossible to report as on time for XXXX XXXX, XXXX XXXX, XXXX of XXXX and then 60 days late for XXXX XXXX???
Product: Credit card or prepaid card

This problem pertains to Discover credit card. 6 charges were put onto my account that I did not make. They were all through XXXX. They were all applied on XX/XX/XXXX. 3 were for {$190.00} each and 3 were for {$200.00} each. 

On XX/XX/XXXX 5 credits were put on my account - 3 for {$200.00} and 2 for {$190.00}, omitting 1 credit for {$190.00}. All of these charges so far were without my knowledge. I looked into my account a few days after all these entries had taken place. I then called the credit card company to find out what was going on. They initially tried to say that everything was reversed and my account was credited for all of the amounts. I told them that there was still one charge for {$190.00} remaining. It took some convincing to get them to see that the {$190.00} amount was still outstanding. After persisting, they agreed to give a temporary credit out on XX/XX/XXXX for the {$190.00}. That charge was reversed a number of days later when they said that it went into another dept. for further investigation. They did not show the day of the reversal, but attached XX/XX/XXXX to the entry. After calling about this reversal in early XXXX after checking my account every few days to see if anything new was applied, I spoke with a rep and they were going to credit the remaining {$190.00}. Instead they showed a credit for XXXX of the charges for {$190.00} and only 2 for the charges of {$200.00}. Basically, they reversed the credits to reflect that the {$190.00} was applied 3 times, but the {$200.00} at this time was only applied 2 times. Now my account has an error charge of {$200.00} instead of the original {$190.00}. I called on XX/XX/XXXX and spoke to the Fraud Dept of their company and got a lot of double talk. I told the rep that my account was credited wrongly again. This time a credit for {$200.00} was omitted, leaving me with an overage of {$200.00} on my account. She said that they had done the credits but missed that one and would make the change and it would go through in 48 hours. Each time I talk with someone at that company, they say one thing and do another to make the account look more and more confusing. I am keeping it straight by adding up my purchases and paying for those. I told the rep that I don't want any finance charges applied to whatever amount they omit as a credit for bogus charges ( {$200.00} as it stands now ). She said that there wouldn't be any charges for this. 

One more note. I have paid off the balance amount on this account each month that I have had it opened. I feel that they are disrupting things now to make some money to offset finance charges that they have never gotten on this account.
Product: Credit reporting or other personal consumer reports

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report Please remove SXXXX 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 These following inquires Immediately. 

I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed as this is not my account and was open fraudulently. 

XXXX XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.