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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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. XXXX ( 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 or other personal consumer reports

Among many other things, herein attached to this complaint is very specific and exacting exhibits and proof i.e. cancelled checks, credit card statements, copies of old statements with paid off dates. 

Most aggravating of all is EXPERIAN HAS CONTINUED TO LOCK ME OUT OF MY CREDIT FILE FOR MORE THAN TWO YEAR! I furnished a screen shot showing their lock out statement and a phone number to call which is NOT ANSWERED! This is a violation of law. 

CONSUMER FINANCIAL PROTECTION BUREAU shall step in and correct these issues. I am contacting my congressman and senators with a copy of this letter and the previous ones. Please see this is corrected. 

Thank you, XXXX XXXX
Product: Mortgage

On XXXX I paid off my current mortgage with Freedom Mortgage because it was required per my XXXX XXXX. The payoff was almost {$3000.00} too much because I was told they couldn't subtract the Escrow amount and I would get a refund for that. On XXXX I called Freedom because I had not seen that check and I realized that my Ex had put his out of town address on statements that he was getting mailed to him. I told the Freedom rep that if he gets the check he will forge my name and cash it. I was assured that he was not mailed the check and that it went to me at the property address. On XXXX I called again because the check had still not arrived and I was told it was in the mail and the USPS was to blame because they are slow. I again insisted they confirm that the check was in fact mailed to my address, and once again I was assured it was mailed to me at my property address. Wednesday XXXX I was not feeling good about this whole thing, so once again I called Freedom and I was told a totally different story. The check did go to the Ex 's address and I would have to wait 30 days from the date the check was issued ( XXXX ) to stop pay and have another check issued to me. No one can tell me if the check has been cashed, until that 30 days. So my Ex gets my money once again. The lack of customer service, the different story each time I call and the fact that there is no regard to my money getting returned to me in a timely manner is unacceptable. The bank charges me daily interest, where is my daily interest on my refund?
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and permanent deletion of fraudulent accounts and inquiries that have been added to my credit file without my authorization. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently pulled my credit report and noticed an account youre reporting, The status states, Account charged off. {$14000.00} written off. Date opened XXXX. 

For this charged-off/written-off account, I never received a XXXX ( Cancellation of debt ) form nor a debt validation letter. Please send me a XXXX form and a debt validation letter to the address you have on file, email me a copy, and permanently remove this account from my credit report. 

FCRA XXXX ( XXXX ) ( b ) and 15 U.S.C 1681
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024, TRuist reported my credit card 60 days past due. I paid the amount owed back in XXXX leaving the account with a XXXX balance. i paid it with my debit card and my bank statements can prove the transaction was successful. Additionally, TRuist has the account as paid with a XXXX balance in their system when i contacted them. They said the collection department reported the wrong balance in error. I have an internal dispute filled within Truist to clear up the 30 days late. Now they reported my account 60 days late for a balance of XXXX that I paid on XX/XX/XXXX ( XXXX dollars ) and XX/XX/2024 ( XXXX ). This account has never been late. This needs to be corrected asap. 60 days late is killing me. see proof attached. Thank you.
Product: Credit reporting or other personal consumer reports

A dispute letter was sent in on XXXX XXXX I contacted Experian to make sure letters was received. I spoke to several representatives that were rude and one even to me that Experian is a private company and the make there own rules. The dispute department has refused to process my written dispute which is in violation of the Fcra guidelines. The following items need to be disputed immediately XXXX XXXX XXXX- this account is being reported incorrectly XXXX XXXX XXXX this account is being reported incorrectly XXXX XXXX XXXX- this account is being reported incorrectly XXXX XXXX XXXX -duplicate account XXXX XXXX never had a contract wit. This debt collector XXXX XXXX never had a contract with this debt collector XXXX XXXX late payments ( 15 usc 166b ) a creditor cant treat a late payment as late for any purpose XXXX XXXX XXXX-late payments ( 15 usc 166b ) a creditor cant treat a late payment as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I would like to file a formal complaint against Equifax for the following reasons. I'm providing my XXXX XXXX information that was submitted to defend against constantly delayed data updates and proper reflection that I'm a highly credit worthy citizen. NOTE : I have a perfect payment history, not one day late on paying anything. 

1. Equifax has consistently been reporting 30-50 points below XXXX and XXXX for no justifiable reason. 

2. Equifax has been significantly lowering my score for small increases and refusing to re-adjust after major decreases, lowered balances and paying offs. 

( -20 ) XX/XX/XXXX - for a XXXX loan I paid off in full ( -9 ) XX/XX/XXXX - for decreasing a balance {$180.00} ( -51 ) XX/XX/XXXX - for a new card I opened that is now below 35 % ( -16 ) XX/XX/XXXX For a {$1900.00} balance increased that is now paid down well below 35 % ( -22 ) XX/XX/XXXX for a XXXX XXXX card I opened which is now paid down over 35 % ( -12 ) XX/XX/XXXX For paying off XXXX XXXX loan of XXXX ( -46 ) for credit utilization which are now all below 30 % -50 % lowered. 

( -5 ) XX/XX/XXXX for decreasing a balance {$72.00} ( -21 ) for XXXX balance that increased by {$140.00}. XXXX payments are never missed 3. Equifax is projecting that I'm not credit worthy and interfering with my ability to lease my XXXX that I've waited 6 months to be receive. I will lose this car if you don't properly report data, my credit worthiness and score. 

TIME SENSITIVE : Their reporting is ruining my lease with XXXX XXXX and is going to keep me from picking up a car I've been waiting for, for over 6 months. This is feels like Torturous Intrusion against my right to credit and to live.
Product: Credit reporting or other personal consumer reports

i received a copy of my credit report from my loan officer noticing XXXX XXXX account opened XX/XX/XXXX and XX/XX/XXXX for the amount of {$440.00} and {$640.00} fraudulently using my personal information. also, on XX/XX/XXXX there was a XXXX XXXX taking out using my personal information fraudulently for the amount of {$3600.00}. there is a fraudulent account by the name of XXXX XXXX taking out on XX/XX/XXXX fraudulently using my personal information
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference. 

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account.

A thorough investigation into the root cause of the delay to prevent similar issues in the future.

Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay.

I expect this issue to be resolved within the exact timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. 

I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$8100.00}.
Product: Credit card or prepaid card

Barclaycard blocks consumers from using third party products to access their financial data. I have a right to manage my finances as I see fit.
Product: Mortgage

In XXXX of XXXX my husband lost his job due to XXXX. My mortgage went into the COVID forbearance program that was offered. Once it was in forbearance, I was no longer given access to their online system to view my account and thus had to pay via check. My husband and I both started new jobs in XXXX of XXXX, where I took a large pay cut but trusted it would be okay knowing there would be two incomes again. Shortly after he started working there, I found out that he had lied about most of his past and that he had run up debt on my credit cards. We immediately XXXX and I was faced with providing for me and XXXX XXXX children on half the income I used to have. 

When the COVID forbearance came to an end, my mortgage company wouldn't let me modify my loan without my husband 's driver 's license number, which I didn't have because he told me he moved out of the state and refused to give me any information about his location. His name has never been on my loan and I don't know why the mortgage company was insisting they have his information. The only other option they gave me was to modify the loan with a divorce decree. Without his location, I could not serve him with divorce papers in order to provide that information to them. I got very behind in payments because of my income drop, the credit card debt and not being able to proceed with the divorce. 

In XXXX of XXXX, I was able to get a higher paying job in order to provide for my XXXX and I. I did send mortgage payments when I could but the mortgage company did not apply them to my loan at the time they were sent. They cashed the payments yet did not apply them to my loan until a lump sum was deposited in XXXX of XXXX. On XX/XX/XXXX, I received notice of default on the loan and they were requiring me to pay {$25000.00} within 35 days. There was no way I could pay that and have since been trying to figure out how to cure my mortgage. I have been paying the mortgage consistently in the recent months but they started sending my checks back telling me that it's " illegal '' for them to accept my payments. They also have not been forthcoming regarding the foreclosure process and timelines.
Product: Checking or savings account

My previous complaint needs to be re opened. Bank of america and clearly you guys don't know peoples name. I do appreciate being send wintworth and oreal hudsons personal bank statements though. Get it together. RE OPEN MY CLAIM
Product: Money transfer, virtual currency, or money service

Yes my Cash App was breached and apparently I was giving Cash App my personal information when this scandal was going on. I was hacked out of {$3800.00} as a whole and I quite find the situation unfair. As I reported it to Cash App they auto declined my dispute and banned my account immediately without any of my control and never got back to me on the situation or has told me anything. It was hard to go through this in general without speaking to someone to help. I also am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX ( XXXX XXXX XXXX ) {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is inaccurate and incomplete information is reported differently on XXXX, Equifax and XXXX. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.
Product: Credit card or prepaid card

This particular issue has not yet been brought to the attention of the Consumer Financial Protection Bureau ( CFPB ). Unlike my prior attempts, which were swiftly concluded with the inaccurate assertion that " The CFPB has dismissed this complaint due to its prior handling of your grievances regarding this matter, '' it's essential to clarify that this is an entirely novel concern necessitating resolution. It is evident that this issue is distinct from any previous problems and warrants a thorough and separate examination. Your prompt and accurate attention to this new matter is greatly appreciated. 

Capital One 's decision to close all four of my credit card accounts was based on the occurrence of returned payments on three out of the four accounts. I promptly rectified the situation on my own, addressing the issue without delay. It is important to emphasize that prior to this incident, I had maintained a flawless payment history and had never missed a payment. Despite these facts, I find it perplexing that Capital One has taken such drastic measures without providing any form of communication, whether through phone calls, emails, or notifications. 

In my interaction with a customer service representative, I was informed that there seemed to be no avenue for recourse in this matter. I was advised to direct my concerns to the general correspondence department, an action I have already taken. Regrettably, even after following the prescribed course of action, I have not received any acknowledgment or response from Capital One. 

Given these circumstances, I implore Capital One to reevaluate its stance on this issue. It is evident that my immediate correction of the returned payments demonstrates my commitment to responsible financial management. I am left feeling both perplexed and unsupported due to the lack of communication and avenues for resolution. I respectfully request a comprehensive review of this situation and a timely response to rectify this matter. Your prompt attention to this issue would greatly alleviate my concerns and help restore my confidence in Capital One 's customer service.
Product: Checking or savings account

XX/XX/27 I filed a claim with td bank for unauthorized charges FOR XXXX. And it was deny Over 5k in charges! back to back to back big amount. How can td allowed that! I never heard of this recipients in my life. 
More then 1 device was logged on to my online banking. 

My phone number was change My email was change Different ip address where signed in to my account. I couldnt even log in to my OWN ONLINE BANKING, because they send the security code to the hackers number! 

Td close my checking and told me to open another one, and still deny my claims? 

Police report XXXX claims, I really need my hard working money back, this is unexplainable, please help.
Product: Credit reporting or other personal consumer reports

Due to a database breach from XX/XX/XXXX. My personal information was compromised. Such as my name, social security number, and date of birth. After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. I've notified credit bureaus by phone, mail and online. regarding inquiries several times. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I must inform you that I am NOT responsible for the above listed inquiries as I have been a victim of identity theft. I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please remove these erroneous items immediately and send me an updated copy of my credit report.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them and they just decided to close my account right away without giving me the chance of defending my side, " stating that the decision has already been made final '' in an instant without due process. However I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Vehicle loan or lease

I have reached out to the Financial department of Westlake 's Financial Services to apply for my SCRA benefits as I am a XXXX XXXX back in XX/XX/XXXX letting them know that my XXXX XXXX start date is XX/XX/XXXX. 
I have repeatedly called them because the interest rate and new payment was not applied to my account until XX/XX/XXXX. I have been hung up on by staff and supervisors when I request the break down of how my interest rate was applied. My command sent me to a financial counselor who called the company and spoke with XXXX. we were placed on hold multiple times with an end result of them explaining that they would fax the paperwork requested and that their record shows this was applied on XX/XX/XXXX. We have yet to receive a fax showing the breakdown.
Product: Payday loan, title loan, personal loan, or advance loan

Recently I submitted a business loan application with Truist, for marketing. The bank manger XXXX XXXX assisted with submitting the application and we were told that it took about XXXX XXXX hours to find out the decision. After waiting XXXX days i contacted XXXX XXXX to confirm what the decision was, i was informed that i was denied due to a low XXXX XXXX and delinquent payments which i couldn't understand because i constantly check my score, i also pay for premium version of XXXX an XXXX. She then explained that i would receive a letter in the mail and that i need to check with XXXX if i had any concerns. But as explained to XXXX XXXX i know all three of my scores and i know they all range from XXXX to XXXX. I then received the letter from the bank stating the pulled my credit and it was XXXX which i knew was impossible because i had just pull all three of my credit scores and i pay for the premium services. Which i then i called XXXX and ask to speak to a supervisor because my score online said XXXX. I need up speaking to the supervisor XXXX ( confirmation # XXXX ) explained too me that he could see my score and it said XXXX which is a XXXX difference from what Truist is stating they pulled directly from XXXX, the supervisor also stated that he wasn't sure why there would be that much of a difference in the score that they pulled verses what was shown, but that i needed to reach back out to the bank which i did. Once the bank supervisor verified everything she also stated that she couldn't understand why they were reported a XXXX difference in XXXX XXXX but to reach out to the CFPB because there was no way for her to submit for an issue with the application