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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXX Over the last several years, XXXX, Equifax, XXXX has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX  Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX & XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXX XXXX XXXX  Banks Inquiry for Individual XXXX XXXX, XXXX No Action.
Product: Checking or savings account

In XX/XX/2023 I deposited a few checks into my chase banks savings and checking account After that they restricted my account, The reason is they want to verify those checks I helped them buy given them the names and the phone numbers of checks writers. 
But they still have my accounts restricted. 
And the threatening me by saying they will close my accounts. 
Knowing that I have all my bills as an auto payment and all my credit card bills are auto payment too and I have all my money in those accounts Now I have a balance of XXXX in my checking account and XXXX in my savings account that I cant use because of their action. 
Now Im not able to pay my rent, bills and credit card they ruining my life.
Product: Mortgage

SO I HAD LOST MY JOB DUE TO XXXX, ALSO MY HUSBAND GOT DIAGNOSED WITH XXXX AND WAS UNABLE TO HELP PROVIDE AND I LET THE MORTGAGE COMPANY ( SWE HOMES ) KNOW OF THE SITUATION AND IF THERE WAS ANY WAY I CAN MAKE SOME TYPE OF PAYMENTS AND THEY REJECTED. I WAS A FIRST TIME HOME BUYER AND I CAN'T BELEIVE THEY WERE NOT WILLING TO HELP ME IN ANYWAY..THEY SENT 1 FORECLORESURE PAPER WELL AT LEAST THAT I RECEIVED AND I DID NOT KNOW ANYTHING. I DID NOT SHOW UP BECAUSE I DID NOT KNOW I HAD TO GO OR WHAT TO DO. I HAD RECENTLY RECEIVED A JOB 2WEEKS PRIOR TO THE JOB AND I HAD TOLD THEM TO GIVE ME TIME. I WAS ONLY 2 MONTHS BEHIND. I GET A CALL 1 WEEK LATER THAT WE HAVE TO VACATE THE PREMISES DUE TO ME LOOSING THE HOME.. PLEASE THESE IS UNFAIR! ..THEY LEFT MY XXXX YOUNGER KIDS UNDER THE XXXX XXXX XXXX AND MY XXXX  HUSBAND AND I WITHOUT A XXXX. IS THERE ANYWAY I CAN GET IT BACK? I WAS SOO CLOSE TO PAYING OFF THE HOUSE AND THEY DID THIS TO US.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over 8 faxes and 2 letters to dispute fraudulent inquiries on my credit report and all they did was delete 2 of the 7. They also deleted 3 accounts that I did not dispute. I don't know how they are doing their jobs but clearly, they are not doing a good job. This are the inquiries that they need to delete : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Hello about three weeks ago my Coinbase Wallet was hacked and compromised for {$30000.00} on Wednesday, XX/XX/2021. It was all of the money that I had saved over the past few years and the hackers were able to transfer my money to a private wallet without my knowledge or consent I was also not alerted until I checked my account and saw it was at zero! I have complained about this to Coinbase and they have stated that they have nothing to do with this and because its my private wallet that makes it a decentralized platform meaning you are your own bank and you are responsible for all the losses that come with it. I just want justice to be served and I am hoping that I will be able to receive my hard earned money this is been XXXX XXXX XXXX XXXX on my body and its cost me to tap into a XXXX  XXXX that Ive been battling with on and off since the event happened.
Product: Bank account or service

Citibank Texas NA was sold to XXXX XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I visited the branch on XXXX XXXX XXXX TX and learned that the bank was being sold. Due to my personal needs and my desired relationship with Citibank I wanted to know how to not have my accounts sold. I was told that I had the right to opt out and was provided a form to sign for that specific purpose. I was not provided a copy of this signed document by the branch employee ( I was in an office not at a teller window ). Part of my relationship with Citibank is access to money via their Citigroup while I am XXXX or not located near a bank. I do not have this option with XXXX XXXX XXXX and knew that I would encounter difficulty accessing my monies. 
On XXXX XXXX while logged into my online banking I became aware that my savings account was not showing up. I learned by calling the customer service center that XXXX of my XXXX accounts with Citibank was in fact sold to XXXX XXXX XXXX even though I had signed the opt out. 
To date I have spent 15 hours trying to resolve this issue. I have been on the phone to the XXXX response team more than XXXX occasion. The financial hardships, fees and costs related to this event are still accumulating. 
As a result of losing my direct deposit savings account - my Citibank account was charged a service charge it had never incurred the entire 4 years of my account. This caused the account to overdraw subsequently causing a NSF reporting to this account. Although Citibank refunded the monies associated to these charges my credit has been marred from its perfect internal status to one of now having a negative reflection. 
Citibank violated my privacy rights and forced me into a banking relationship that I never wanted. Citibank has now shared my personal financial information to a bank that had no right to ever know or see that information.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$0.00} inquiries ALLY FINANCI XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX Name : XXXX XXXX XXXX
Product: Mortgage

I have requested from Wells Fargo by Registered Mail proof Of Notice of Default and Notice of Trustee Sale and where it was mail. I never received any of the  following. 

I also requested by Registered Mail before my home went into Foreclosure Proof of the Series bonds back and front. I was talking to some one for weeks about the situation and they was telling me over and over every day for over a month they was getting the information requested. I was calling at least 5 times a day according to my phone records of both my Cell phone carries. It was some weeks over 60 calls.
I spoke to the same man about the situation and I was getting the run around for what I had requested.
Wells Fargo had my address update and sent me a letter stating that they had on file to mail all important mail so why is it I never got a Notice of default or notice of sale.
I also have other issues to my loan documents that I have when I first closed was not all sign and I have all the papers that was giving to me and it 's like 24 sign lines not sign by me left blank. I have discuss this with some one some where else to this situation as well. Wells Fargo has yet to explain all these issues I have a lot of Registered Mail to them going back to these issues at hand about all these issues.
Nothing but the run around or they mail things you do n't ask for and a bunch of papers that have nothing to do with what you ask for.
talk to the office manager in XXXX about how the association would not let me in at my own property. that issue went own I was paying the payment and could not even get in I was told Wells Fargo did not answer the notice that was sent to them. I call and they kept sending me around in a circle about that issue I was told by the manager at the XXXX office I was still the owner it was one lie after another with Wells Fargo My next issue was with the IRS tax lien on the property and it was for {$34000.00} on the property and I was told you can not remove a tax lien by the IRS once place on it.
Product: Credit card or prepaid card

Several months ago, Bank of America changed their processing of AutoPay billing. I have been a client of BoA for over 20 years and for at least 10 have used the AutoPay feature to pay my BoA credit card with my linked BoA checking account. Within these last 6 months I have noticed that my AutoPay did not function as it did in the past and missed payments. I contacted customer service and they advised me to update my AutoPay which I believed I had done. It turns out that after 20+ years of paying my bill on time, in full, with no overage charges that I continued to miss statement payments and was incurring interest fees on the rolling balance. After a conversation with a BoA representative it appears I was enrolled in AutoPay and paying my " Amount Due '' which was a {$25.00} minimum payment, not my statement amount due balance. There is another, new, option called " Account Balance '' which pays the entire account balance NOT the balance due on my most recent statement. There is no readily available description of these differences to the consumer during the selection process. 

I feel this is a deliberate attempt by Bank of America to intentionally confuse and mislead consumers to not pay their bill and therefore profit from the incurred fees, in addition to harming the consumers credit. 

I previously mentioned - I had DECADES of successful on-time and in-full payments and now I do not because of changes Bank of America made.
Product: Payday loan, title loan, personal loan, or advance loan

I was facing eviction and desperate. I looked online for loans I was eligible for and signed up with the only one that would approve me at the time. Personify funded me {$6600.00} through XXXX XXXX XXXX XXXX a staggering 57 % interest rate. According to the payment plan and their amortization calculator, I would have had to have paid more than {$13000.00} over the course of XXXX years just to pay off interest and principal. That is unacceptable and illegal. I did end up paying the loan off early by my own personal selling stock, and clearing my savings. Now I see they did not comply with Florida law by illegally charging way more than the maximum of 36 % interest for loans up to {$25000.00} and their practices are seemingly very predatory. I demand restitution for the excess interest paid since XXXX of XXXX. They clearly hope to take advantage of desperate people who dont have knowledge of the law, to blindly agree to their terms, and hopefully never question if theyre being cheated.
Product: Checking or savings account

A bank account was opened in my name at XXXX that I had no knowledge about. I only found out due to getting a statement in todays mail ( XX/XX/2021 ) I called the phone number on the statement XXXXUS BANKS ( XXXX ) and asked some general questions. I was asked for the Account Number which I was able to provide being that it's on the Statement. I was asked my DOB and last XXXX of my SS # and they had all of that information about me. The account was opened via the internet on Wednesday, XX/XX/2021 and Closed Monday, XX/XX/2021. I filed a Consumer Report To The FTC ( Federal Trade Commission ) Wednesday, XX/XX/2021. My FTC Report XXXX is XXXX.
Product: Debt collection

The debt collector tries to collect a debt for {$1100.00}, which was incorrect. I took the original company to court because I did not receive any notice. After all, it was false. Even though they were aware, they report to the credit bureau. After winning in court and paying the correct amount of {$500.00}, they refuse to update my account with The credit bureau.
Product: Student loan

I am seeking to participate in a class action lawsuit against the major student loan companies ; XXXX XXXX and Great Lakes. I have been repaying student loans off and on for 23 years, and my loans continue to inflate. I have always worked in XXXX XXXX but have been so misinformed by these companies that I have only been in the right program for 1 year now. I am on an IBR plan now. At times I was told I would qualify for PSLF as the XXXX XXXX program ( I am a school XXXX ). Now I am told I do not qualify but could under the PSLF program but only for the last year that I have been in the correct repayment plan. For years I contacted these companies and others trying to get help and they gave me incorrect information. My public service work goes all the way back to XXXX. I would like to see some of that work time count for the service instead of only after XXXX. I have been mislead at every turn and I can't get ahead of this loan. I now have about 5 years that would qualify under PLS but I was not in the correct plan. I was paying more a month then than I am now under the correct IBR plan. What sense does that make?
Product: Credit reporting, credit repair services, or other personal consumer reports

I write in response to a fraudulent American Express account that was opened using my name and social security number. I discovered this account on or about XX/XX/2023 when I went to lease a new vehicle. The dealership ran my credit report and informed me that an American Express card was adversely impacting my credit. I immediately called American Express to file a fraudulent application / account report. I was informed that I would receive correspondence confirming that the account was closed, canceled and removed from my credit report. I did not receive any such correspondence. When I called to follow up on the status of this matter, I was informed that my claim was denied and that I would be responsible for this account because a valid payment had been made on the account. I have never applied for nor had any American Express account. I do not know who made a payment on this account or that if the payment was valid or not. I am hereby demanding that American Express comply with its obligations under the FCRA and to remove this account from my credit report immediately otherwise I will no choice but to proceed with legal action. Thank you
Product: Credit card

I had applied online and got approved for a Chase XXXX XXXX online. Received the card on XXXX/XXXX/16. For whatever reason, 4 days after receiving the card, Chase chose to suspend the card in the name of " fraudulent application ''. At my request, my husband an authorized user went to a branch, and the branch manager stated we should hear back in XXXX48hours. I called Chase, 24 hours later, and after confirming many answers, was told to wait XXXX48 hours. Subsequently, another 48hours later, I spoke to a Fraud supervisor, and she mentioned that I would have to wait XXXX10 business days till a case worker was assigned. This process does not seem to have an end, or a method to the means. I applied online, I receive a card, and then without asking me ( although I answered many security questions Chase deemed this application as fraudulent ). They are not telling me why? Is this an abuse, by accusing me of doing a fraudulent application when I did apply and verify? Now the Fraud supervisor says the Recovery Department will call me in XXXX10 business days. Also, I have made valid charges, which if not paid can affect my credit, and I have no way of paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is violating my consumer rights, and federal law, by reporting a late payment onto my credit report. Pursuant to 15 USC 1666b, payments can't be reported for ANY reason. This is against my privacy, which is also a defamation of character. 

I've informed them more than 5 times to remove this, as it violates my privacy and is defamation! It has hurt my character, which has hurt the banking system. Navy Federal 's reporting of my payment history goes against the intent of the congressional purpose, pursuant to 15 USC 1681.

I've also informed the Credit Reporting Agencies of this illegal activity, in which they continue to violate my consumer rights and federal law by reporting this.
Product: Checking or savings account

I tried to connect XXXX to my PNC checking account today. ( XXXX ) Previously I had been able to do this. Now, even with login  and pin, pnc denied XXXX access. 

I haf similar issues trying to connect XXXX  app a few months ago. 

I get not wanting to allow competing financial products access to my money, but it is my money, and I am just trying to send money for funeral flowers and save XXXX $ a month in a side account, these are not big bank projects, or at least not big bank projects that PNC does well. Hence allowing authorized apps access ...
Product: Student loan

I was approved for 100 % discharge via XXXX v. XXXX. XXXX had my loans unconsolidated, and they showed discharged. Now, they show them reconsolidated ( into 2 big loans ) and with a due date of XXXX. Yesterday I received a letter yesterday showing a new due date of XX/XX/XXXX. I can not get any answers as to the status of my loans and when they will be discharged per the BD ruling or why they were discharged and then added back as consolidated. Their chat is down, the phone wait is days and they do not call back, nor do they respond to emails or FB messenger. XX/XX/XXXX is fast approaching and I do not understand why nothing is happening and/or no one is responding in any fashion. It's ridiculous and terrible service.
Product: Debt collection

I recently received a letter dated XXXX XXXX, 2015 from " REAL TIME RESOLUTIONS, INC ''. The letter states I owe a debt of {$3200.00}. The letter states the creditor is XXXX XXXX XXXX. 

On XXXX XXXX, 2015 I sent a certified letter to REAL TIME RESOLUTIONS, INC informing them I have no loan agreements with XXXX XXXX XXXX and I do not have a loan debt in the amount of {$3200.00}. I requested any future contact regarding this matter be in writing. 

A XXXX search reveals both companies are supposedly owned by a man named XXXX XXXX XXXX. I have not had any direct business dealings with this person.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) ( XXXX ). 

Despite my request, XXXX has failed to provide any verification of this debt or respond to my inquiries within the required time frame under the FCRA. As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. 

Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. XXXX has not met this obligation, and as such, the collection account should be removed from my credit report. 

The details of the collection account in question are as follows : Collection Agency 's Name : XXXX Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.