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 XXXX, account # : XXXX has violated my rights. 

I looked at my Experian Credit Report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 card or prepaid card

XX/XX/XXXX I requested to redeem all my rewards through the app. XX/XX/XXXX I called to close the account and tried to reach a real person but only reached robots and the robots closed the account before routing me to talk to customer service as requested, because I had mentioned close account as the topic. Now the company says they never received my redemption request and is saying all my reward dollars are forfeited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX did not provide the credit reporting agencies with written permission to report any of these accounts and I am requesting the removal of the accounts listed below, from my credit reports. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). 

I did not provide the company reporting any of these accounts with consent to share my credit card ( ID, SSN, etc ) with another entity ( the XXXXredit reporting agency ) This is a violation of 15 U.S. Code 1681s-2.
Product: Payday loan, title loan, or personal loan

In response to the company response regarding complaint number XXXX, theyll receive notice via certified mail regarding the fraud in which theyve chosen to uphold at Advance America . Theres no such thing as XXXX XXXX XXXX XXXX which is necromancy, therefore they failed to state whether or not they are referring to a person or Natural Living Man. Theyve also refused to answer the question as to what language are they speaking in because they are aware that they are committing fraud by converting Men and Women into Corporate Legal Fictions. 

Theyve also refused to admit that its against the law to deny Man or Woman their own credit, therefore when employees of Advance America denies Man or Woman their credits, Advance America is stealing and extorting that Man or Woman of their life, liberty, enjoyment and pursuit of happiness to provide for themselves. Advance America conspires with other financial institutions such as consumer reporting agencies for financial gain which is a conflict of interest.

Advance America must answer the following questions : is Advance America the member of the XXXX XXXX XXXX Is Advance America ran, operated by Bar Members? Is Advance America the financial instrument which is in fact the instrument of the bar association via XXXX XXXX XXXX 

I look forward to receiving these responses post haste.
Product: Checking or savings account

XXXX XXXX XXXX XXXX  totaling {$3800.00} were made using my Chase debit card from an XXXX XXXX which used facial recognition. I have never owned an XXXX I have an XXXX  and have since they came out. Chase has put the money back in and taken it back out XXXX times saying I approved the transactions. They were all XXXX made same day from XXXX XXXX XXXX and I live in XXXX Chase refuses to settle my complaint even though I have submitted phone records showing apple phones, XXXX XXXX XXXX showing my debit card. I need this money back in my account and they just transfer me around with no solution.
Product: Credit card

My PNC XXXX was canceled XX/XX/XXXX due to fraud. I did not receive a new card until XX/XX/XXXX. The day I received the new card I immediately activated it. I saw that XXXX had not gone through and paid my statement balance. I asked them to waive the fee as I did not know XXXX was not in effect. They said they could not, because they had already waived a fee in XXXX. This case was also as a result of XXXX. I had XXXX in place for XXXX years. I never input an end date, but it ended in XXXX with no warning. 
The complaint was escalated to XXXX XXXX Complaints. I spoke to them over XXXX weeks, XXXX times and they said they needed to do more research. I also went to my PNC XXXX and they said they had no recourse. In the final call, they said they would neither waive the late fee or refund the {$75.00} in interest charged. They claimed I was told that I would have to address recurring payments, but I XXXX this to mean monthly bill payments, NOTAutopay. XXXX pays are set up in completely different parts of the system. As a customer of XXXX years who has never missed a payment, I feel this is unfair and fee gouging.
Product: Credit reporting

Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, date XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Product: Credit reporting or other personal consumer reports

My identity was stolen and used to damage my credit score COLLECTIONS ARE XXXX XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} HARD INQUIRIES ARE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Via Dealer XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Most of these collections don't even have the original creditor on the report and most information in not accurate I need all collections and inquiries removed immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX [ XXXX XXXX ] Subject : Dispute of Inaccurate Information 15 U.S. Code 1681 I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account was accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit reporting Act ( FCRA ) 15 U.S.C code 1681 which mandates a reasonable investigation. 

Lost below is the account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX LVNV FUNDING LLC I am writing to formally dispute an item on my credit report that I believe to be inaccurate. In accordance with the Fair Credit Reporting Act, specifically 15 U.S. Code 1681, I am requesting that you investigate accuracy.

As required under the Fair Credit Reporting Act, I request that you conduct a thorough investigation of the disputed item and update my credit report accordingly. If the information is found to be inaccurate or can not be verified,
I request that it be removed or corrected.

In accordance with 15 U.S. Code 1681i, I also ask for a copy of the results of the investigation, and if the disputed item is not corrected, I request that you provide the name and contact information of the parties who supplied the inaccurate information.

Please let me know if you require any additional information to facilitate the dispute process. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. 

Sincerely, [ XXXX XXXX ] This letter follows the guidelines provided in 15 U.S. Code 1681 ( specifically Section 1681i ) that requires credit bureaus to investigate disputed information within 30 days and to provide the results of that investigation.
Product: Payday loan, title loan, personal loan, or advance loan

This is the second time Ive tried to pay a loan back and the system wont process my payment then I get charged lates fees because of their poor system
Product: Mortgage

I closed on my New York co-op apartment in XX/XX/XXXX, with a mortgage through XXXX. 


During XXXX, I was granted a forbearance for an extended period of time. Late in XXXX, XXXX, which had been renamed XXXX Bank following its acquisition by XXXX, offered me a loan modification. 


The terms were very favorable, including a lower fixed interest rate, for a 40-year fixed term, and capitalizing the unpaid interest and principal into the loan balance. The end result would be lower interest and lower monthly payments. The new payment amount started in XXXX of XXXX and I have paid each month on time. 


Needless to say, I was very thrilled and pleased with myself but then XXXX sold off most of its residential mortgage portfolio to PNC Bank and that's when the trouble started. 


PNC on multiple occasions sent me loan modification documents to sign and notarize. I dutifully executed them but they also wanted a representative of the co-op to sign them, which the co-op lawyer adamantly refused to do so saying that it was the wrong form. 


After much back and forth, and my own research by speaking with several XXXX mortgage bankers and real estate lawyers, the consensus opinion is that the PNC form is fine but that there is no reason for the co-op to sign it because they have already executed the recognition agreement aka the " XXXX form '' at the loan 's inception. I provided a copy of this to PNC in case they lost any of the files in the handoff from XXXX. 


PNC says that the co-op needs to sign because they are on the deed to which the consensus response is that the deed is irrelevant because the real estate is not the collateral but instead the cooperative shares and proprietary lease are. PNC can't get that through their head and I'm not sure what to do. Part of me wants to sue them or raise a stink on XXXX. 


One lawyer suggested getting in touch with their collateral lawyer who would understand this problem but I can't get past their customer service people who seem clueless about cooperative apartment lending in XXXX. 


This is becoming very urgent because PNC wants to pull the loan modification offer, which makes perfect sense given the very favorable rates. If they do, I will either have to write them a check for over {$40000.00} ( no easy task ) or face potential foreclosure in the next few months. Also, at this point, I can't just refinance because rates have gone way up, which would make my already expensive mortgage, all the more unaffordable. 


So in summary, XXXX offered me a loan modification, which I accepted and then have made all the requested trial payments and continue to do so, but now the rug is being pulled out from under me and nobody seems willing or able to help me. I am really at my witts end so any assistance you could provide would be greatly appreciated. 


Sincerely yours
Product: Credit card or prepaid card

The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because a single payment was returned. THAT IS AN ACT OF DISCRIMINATION. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction or because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately the agent held her position that the company would not be able to reopen the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A derogatory mark was entered on my credit file as per credit check total. this account was transferred or sold and I am no longer responsible for it. this company did not verify this debt before listing it on my file. they did not have my written permission to list it. also they have not sent me any written contracts with my signature. They are violating my rights as per Fair Credit Act. Sending a bill without a written signature of mines does not qualify as validating a debt. Anyone can send a bill to someone. According to FCRA, Afni inc is in violation of my rights. I am requesting legal action to remove this account immediately.
Product: Payday loan, title loan, personal loan, or advance loan

One main financial Gave me XXXX as loan and I have being pay from them XXXX every month close to XXXX years, on the loan they added some stupid gap insurance on my car. I being fixing my car without disturbing the insurance they added with me. So my car have issue I try to call the insurance and that started giving me a lot of excuses. So they lied online from XXXX. Every thing they said is truly lied The I told them to cancel it which they did and refund me {$300.00}. So all the money I have been paying to XXXX main financial close to XXXX still increased to XXXX XXXX plus which they reported to my credit. So I don't know how they transfer XXXX as the loan to my bank account, then I have been making my payments XXXX very close to XXXX and the money still goes to XXXX XXXX plus. 
And this is affecting my credit history so bad. And I believe that my data compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I sent a dispute to the major credit bureaus for XXXX XXXX XXXX  XXXX I do not owe these people a single XXXX they're trying to collect on a debt that I paid my entire 3 year contract. I sent a debt validation letter to the collection company and never received a response. 

I also made the credit bureaus aware of this mistake and did not receive a response. I realized in XXXX that more than 2 months had went by so I sent the credit bureaus a 30-day no response letter XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Hello, I was not able to provide a lot of information on the company I am filing a complaint against ( Complaint Number : XXXX  ), because I was not able to find anything on the company, but thanks to the XXXX  XXXX  XXXX, I have found their alternative company name, the owner of the company, and the address of the company in question : XXXX XXXX or Activehours, Inc. 

Business Details Location of This Business XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX   File Opened : XX/XX/XXXX Years in Business : 5 Business Started : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in CA Accredited Since : XX/XX/XXXX Type of Entity : Corporation Number of Employees : 150 Alternate Business Name Activehours, Inc. 
Business Management XXXX XXXX, CEO XXXX XXXX, Vice President of Customer Service Attached is a Word Document & the PDF version of my bank statements regarding the previous claim # XXXX-XXXX.
Product: Debt collection

{$2600.00} account on items I do not have/own. Nor did I sign, or owe anything to Consumer Adjustment Co. No agreement with them either, no contact made from the supposed company collecting for and no info provided from them since they cant find this in their system at all when I call the XXXX XXXX
Product: Debt collection

1. This debt company is that they have never contacted me to stated that this debt was owed by myself or given me the opportunity to dispute this false debt!

2. The only persons debt that this could be is my deceased fathers, we have the same name.

3. The debt is from more than seven years ago.
Product: Money transfer, virtual currency, or money service

Dear CFPB Team : I felt victimized by the syndicate of Bank XXXX XXXX XXXX times now. 

Even though I login securely to my US Bank ( usbank.com ) account & did my XXXX transfer there on XX/XX/XXXX to my legitimate recipient, still she did not receive the money about 7 business days after. The US Bank website disclosure promised in the that the funds will be received in minutes or on standard way is XXXX business day. 

Immediately after I confirmed and it the SEND button, the USBank N.A. website displayed a message to me that the funds was SENT ( please see the screenshot attached ). 

It has been a week now, my funds was taken from my account but never got to my intended recipient. 

I called the # USBank to file a FRAUD claim but they were giving me a cold shoulder as if I am blamed for authorizing the transfer even though, US Bank introduced me to XXXX tool and that my recipient is not a scammer as she was my assistant. 

Today, since I filed for a FRAUD with US Bank N.A. they said that they may deposit a provisional reimbursement only after 10 days from the time I filed for this FRAUD complaint. Also, my business account that has been opened since XXXX has to be closed out and I had to go to the physical branch to reopen a new business account. 

This similar scenario has happened to me last month with XXXX Bank XXXX XXXX where XXXX hoarded my {$1000.00} funds. 

This MUST BE STOPPED, INVESTIGATED, REGULATED and INSURED prior to the banks promoting any 3rd Party for us costumer to subscribe to. 

One of the many Consumers who get FRAUDED by XXXX and the Bank, XXXX XXXX. 
XXXX, CA
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed a series of credit inquiries I did not authorize and have no knowledge of. I reached out to Equifax, XXXX, and XXXX via phone when I noticed to alert the companies that somebody has been using my personal information without my permission. I also stated to them that furnishing information to my account that I have no knowledge of and that's also due to identity theft further violated the FCRA and was governed by 15 USC 1681. I seen a huge impact on credit report from these inquiries, and it quite frustrating because I am not the one who has applied or attempted to get a line of credit. The inquiries I noticed are from the following companies : 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  I've counted of 30 inquiries on my credit profile that I have not authorized.
Product: Credit card or prepaid card

Hello- On XX/XX/2021, I had submitted a fraud dispute to TD Bank for a XXXX purchase that I did NOT make. Someone had hacked my XXXX online account and purchased an item for {$200.00} and shipped it to North Carolina. I live in Pennsylvania and did NOT make this purchase. I noticed the fraudulent activity on my account because XXXX sent me a shipping confirmation and I saw the charge was pending on my TD Bank Credit Card dated XX/XX/2021. I immediately called TD Bank but they said I can not formally submit a fraud dispute until the charge was posted to my credit card. They advised I call XXXX directly. I called XXXX and they said the item was already shipped to North Carolina and they could not do anything about it. I told XXXX to cancel my account with them to prevent any more hackers from mis-using my account. Once the {$200.00} was posted to my TD Bank Account, I called TD Bank back to formally submit the fraud dispute. It's been 3 months ( as today is XX/XX/2021 ) and TD Bank has not made any progress on this fraud dispute with XXXX. To this day, the {$200.00} is sitting on my Credit Card as a fraudulent charge. Please assist in resolving this matter. Thank you!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : -- Late/Closed XXXX XXXX XXXX XXXXXXXX Balance : -- Late/Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance Owed : {$8900.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00}
Product: Mortgage

My brother died on XXXX XXXX, XXXX. He had an apartment in the District of Columbia. I am my brother 's last surviving kin and also the Personal Reprentative of his Estate in the DC Probate Court. I was not named the Personal Reprentative until XXXX, at which time I began trying to get through the process of Truist Bank 's Morgage Department to take over the loan. I learned from my brother 's credit report that despite being advised that my brother had died ( after I sent them his Certificate of Death ), on XX/XX/XXXX, Truist Bank closed my brother 's account and began the process of trying to Forclose. They would not communicate with me for months, despite my calling over 20 times, submitting all of the necessary paperwork, and trying to make payments. Then, in XXXX, they informed me that the apartment would be scheduled for a Foreclosue Sale. They finally gave me the name of the " XXXX XXXX XXXX '' that I needed to contact to deal with the situation. They forced me to make the payment below on XXXX XX/XX/XXXX, which I did. 

Payments : {$14000.00} Late Charges : {$740.00} Total : {$15000.00} Corporate Advances : {$1100.00} Title Costs : {$170.00} Attorney Fees : {$960.00} I was told the loan would be " reinstated. '' Its been almost two since I made the payment to reinstate the loan. I tried making a payment on XXXX and XXXX XX/XX/XXXX. On XXXX XXXX, I was told it had be reinstated by the Mortgage Loan rep, but that it still had to go through additional processing. On XXXX XX/XX/XXXX, I was told it was back in Forclosure. 

If Truist Bank is doing this to me, I believe they must be doing to others. When people lose a loved one, they want to grieve. I still have not been able to do so, because Truist Bank is trying to steal all of the equity that my brother paid into the loan. Please help.