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 Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 seven 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 or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest LLC is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from bridgecrest, I purchased it from XXXX XXXX which was then bought out by bridgecrest. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.
Product: Credit reporting or other personal consumer reports

I have tried to dispute some items on my Transunion credit report but each time i try to access it online it gives me a number to call XXXX XXXX XXXX to call Monday-Friday. I know that there is a lot of inaccurate information on my credit report such as collections AND inquires. 

I feel as though Transunion is possible jacking up my credit report and I need several items removed.
Product: Checking or savings account

I have an account of 'Wise ' and I found the account was deactivated and closed suddenly. I could send money 10 days ago and after that I haven't logged in the account.
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. 

XXXX ) XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
Account number XXXX has violated my rights. 

XXXX ) XXXX XXXXXXXX XXXX Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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: Money transfer, virtual currency, or money service

On XXXX XX/XX/2024 I initiated a international wire transfer from the Pentagon Federal Credit Union Branch on XXXX XXXX to pay for XXXX vehicles. I provided them with the dealerships company name and address along with the banks Swift code - branch number and address. The attached document shows that the teller entered the beneficiary country as XXXX and state as CA. The teller also misspelled the beneficiary address and did not include the bank branch number on the Swift code. She stated that it did not matter as long as the Swift Code and Account number were correct. The Penfed receipt for the wire transfer shows the transfer amount of {$16000.00} USD will be exchanged into XXXX EUR. I requested exchange into XXXX XXXX not XXXX The dealership never received the funds so I had to pay another {$16000.00} dollars ( paid in XXXX ) to obtain the vehicles. On the XXXX of XX/XX/2024, I request a trace be done to determine where me funds are or ended up. To date PENFED has not provided me wit this information. They keep telling me the " Wire Department '' is looking into the issue. I have no way to directly contact the " Wire Department '' and the customer service is playing phone / email tag with this " Wire Transfer '' department. Meanwhile I my funds have not been returned or located. I would like a refund as it appears PENFED did not fill out the wire transfer correctly and the funds have been lost or misspent.
Product: Credit reporting

There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in XXXX and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Date Opened XXXX {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Mortgage

I had an FHA mortgage from XXXX XXXX XXXX. I was divorced and my husband gave me the house in the divorce settlement. I tried to get a modification from XXXX XXXX XXXX, but it was denied. Then, my mortgage was somehow sold to Rushmore Loan Management Services. It 's no longer an FHA mortgage, and they WILL NOT work with me to complete a short sale. They are demanding that I find a buyer willing to pay MORE THAN the original outstanding principal balance, and MORE than the current appraisal value. This will go to foreclosure auction on XXXX/XXXX/2015, and I will be forced to declare bankruptcy if they come after me for the deficiency, which I can not afford. How was XXXX XXXX XXXX allowed to sell my FHA loan and convert it to a conventional loan, and why was a non-HAFA participant allowed to acquire my mortgage? Rushmore has been totally uncooperative and expects this house ( with non-insurable aluminum wiring and in need of a new roof ) to sell for MORE than it 's worth and far more than I ever owed.
Product: Credit reporting or other personal consumer reports

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. PAYMENT HISTORY OUTRAGEOUS ONE PICTURE FROM XXXX JUST TOO SHOW WHAT THERE DOING
Product: Credit reporting or other personal consumer reports

My information was leaked in several data breaches and I have fraudulent inquiries as well accounts created in my name.15 U.S.C . 1681 is part of the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer reporting agencies ( CRAs ) access and use consumer credit reports. The FCRA 's purpose is to promote accuracy, fairness, and privacy of consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the Credit Reporting Agency for sometime now, over accounts that are being reported as inaccurate on my credit profile. The said accounts have not be properly verified nor has any documentation have been presented to me. This has been going on for sometime now and its becoming mentally stressful. Numerous dispute letters have been sent Via XXXX certified mail.
Product: Mortgage

I applied for a loan modification with Ocwen Loan Servicing on XXXX/XXXX/XXXX after receiving a notice from Ocwen that my payment was going to increase 80 % effective XXXX! The initial response from Ocwen was a request for additional supporting documentation. I complied with the requests and each time I submitted documentation we scheduled a meeting with a relationship manager which was typically scheduled 3 weeks from each contact. By XXXX/XXXX/XXXX the meetings with my Relationship Manager ( of which I have had 3 separate individuals instead of a single point of contact ) became petty. In this particular meeting he asked me to complete the XXXX form by adding " XXXX '' in the blank space. I advised him my XXXX tax return has been extended and I had already provided documentation of such about 30 days prior. On XXXX/XXXX/XXXX I was advised a specific section of the application only had my first and last name. I was asked to insert my middle name and resubmit. My file was then bumped out 3 weeks for my next meeting with the relationship manager. My most recent meeting which occurred on XXXX/XXXX/XXXX and was with a XXXX Relationship Manager. She was not familiar with my file and began to ask me why my application had been pending since XXXX. She placed me on hold XXXX separate times in order to familiarize herself with my account but by the end of the call she said all of my documents are older than 90 days and therefore I will need to start over by submitting a new application. I attempted to explain to her that I have submitted the same documents on multiple occasions and had it not been for the 3 week delays every time I submitted a document then the application would never have taken so long. My mortgage is still scheduled to increase by 80 % on XXXX/XXXX/XXXX and I am under the impression my application was intentionally delayed in order to capitalize on my increased payment.
Product: Credit card or prepaid card

I have had my XXXX XXXX/Bank of America Credit Card for XX/XX/XXXX. For the first year, I would call in every month and make a payment on the credit card. I was finally sick of calling in each month so in XX/XX/XXXX when I called to make my payment, I asked if they could set me up for reoccurring payments each month. The man that I spoke with was very hard to understand and there was a little bit of a language barrier. I politely asked him to speak with someone else and he insisted that he understood what I was asking for and he could help me. I asked the man to set up reoccurring payments for the minimum payment due each month. He insured me that he did so, and the conversation ended. Stupidly, I put my trust in Bank of America to put the right people in place to DO THEIR JOB and I did n't check on that card for another four months or so. Because I do n't regularly use that card, I did n't feel the need to check on it. ( Keep in mind ) I have proof that my account was current and all my payments were made prior to this man setting up my auto pay. Long story short, the man that set me up for auto pay DID NOT put in the minimum payment amount, he put in a payment amount that was just under the minimum required amount. So for six months Bank of America has been taking {$40.00} out of my checking account and applying it to my credit card, THE PROBLEM IS that this is not the minimum amount, so for six months my account has been getting charged late fees and interest. I went into the Bank of America office in my city and they could not believe what was going on. They continued to apologize and they called the customer service line for me while I was there. Bank of America acknowledged that they were wrong but they still wanted me to pay over {$400.00} up front to get my account back to current, and then they would credit my account two months later. This is the most ridiculous thing I have ever heard, I 'm hoping and praying that someone can see that this is FRAUD! Recently Bank of America closed my account, but they are still taking out the {$40.00} a month. I understand that mistakes happen, and it was the ignorance and lack of focus of one individual in that company that caused this problem. I also want Bank of America to file a dispute to fix my credit.If this is n't a class action law suit, I do n't know what is.
Product: Credit reporting or other personal consumer reports

Time and again I have approached EXPERIAN about its negligence AND NOW, INDIFFERENCE AND FRAUDULENT REPORTING OF INFORMATION. An account XXXX XXXX XXXX REPORTED XXXX YEARS AGO AT A BALANCE OF {$180.00}. THE ACCOUNT WAS CLOSED AND CHARGED OFF NO ADDITIONAL BALANCE WAS PRESENT FOR THE TERM OF XXXX MONTHS EXPERIAN, XXXX, and XXXX all allowed feloniously and fraudulently said company to report monthly an additional balance of XXXX dollar to XXXX dollars monthly charged off balance resulting in today the balance being XXXX I disputed this via phone and dispute centers of the companies numerous times them to light of the Erroneously and fraudulently reporting on my credit file to date XXXX, Is the only company that has satisfactory relies their negligence and mistake and remove the company experience continues to modify disputes made investigation as well as had abusive statements to today change the status in history from charged off {$180.00} written off at {$180.00} and a past due amount of XXXX. To date I have asked for investigative details on how the allowance of this fraudulent reporting of occurred balance to a closed account has been allowed, resulting in numerous substantial injuries to my credit credit worthiness and personal and business lives as well. These tactics are abusive felonious fraudulent and deserve to be investigated fully, and the companies held responsible and made liable for my injuries from this abusive long standing injury and misuse of my credit report.
Product: Credit card or prepaid card

I was a victim of identity theft on XX/XX/2022. 

Today I called the Fraud department of Fifth Third Bank and the customer service department and asked to have a security password placed on my account. They told me to visit a branch location. I advised them to look at my address, I reside in XXXX XXXX  area and there are no branches near me, so what is the process for those customers residing outside the bank footprint? They said there is nothing in place. 

I consider this an act of a privacy issue. I want to secure my credit card and they have no options for me thus to me, creating a privacy risk for those that have a 5/3 card but reside outside of a banking area. This is a compliance issue and a regulatory issue, especially when I advised them I was a victim of identity theft and needed additional security protections on my card. 

This shows a gap in their privacy, compliance and risk management policies and procedures. Customers like myself can not be protected is what they are telling me and that is not an acceptable answer. 

The CFPB should investigate this bank for the lack of risk measures to assist card holders outside their banking locations with a process to secure our credit cards. This shows a lack of judgment on their part and a total lack of not protecting my privacy to secure my credit card after an Identity Theft situation or any situation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their refusal to properly investigate and reinvestigate my dispute regarding inaccuracies related to an auto loan account reported by XXXX XXXX XXXX XXXX with the account number ending in XXXX. 

The following are the specific concerns : # # # XXXX. Account Details and Discrepancies** - **Account Name : ** XXXX XXXX XXXX XXXX  - XXXX Type : ** Auto Loan - **Terms : ** 36 Months - **Date Opened : ** XX/XX/XXXX - **Status : ** Repossession as of XX/XX/XXXX ( with prior delinquencies in XX/XX/XXXX and XX/XX/XXXX ) and " 30 days past due '' as of XX/XX/XXXX. 
- **Resolution Status : ** Experian indicates that the account is ** '' Paid, Closed '' **, yet it also lists repossession and delinquencies inconsistently without a clear record of resolution. 

# # # XXXX. Failure to Investigate and Reinvestigate** - I disputed this account with Experian due to multiple inaccuracies in its reporting, specifically related to : - Inconsistent reporting of repossession dates.

- Inaccurate payment history and delinquency information. 
- Lack of clarity on whether the account was fully resolved or closed in good standing. 
- Despite my dispute, Experian updated the account in XXXX XXXX without adequately addressing the inaccuracies or providing sufficient evidence to support the information on record. 

# # # XXXX. Incomplete Reinvestigation** - Experian failed to comply with the Fair Credit Reporting Act ( FCRA ) by not conducting a thorough and reasonable reinvestigation. 
- My dispute explicitly detailed these discrepancies, yet Experians response simply stated that the item was updated without any resolution to my concerns or verification of the informations accuracy. 

The inaccurate reporting of this account, particularly the repossession and delinquency status, has caused significant harm to my credit profile. These inaccuracies have negatively affected my creditworthiness, making it more difficult to obtain loans, housing, or favorable interest rates. 

I request the following actions to resolve this issue : 1. A complete and thorough reinvestigation of my dispute regarding the XXXX XXXX XXXX XXXX  account, including verification of payment history, delinquency reporting, and repossession status. 
2. Correction or removal of this account from my credit report if XXXX XXXX XXXX XXXX can not verify the accuracy of the information. 
3. Assurance that Experian complies with the FCRAs requirements for investigating and addressing consumer disputes in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit Bureau disputing late payments they are furnishing that is not accurate. I have disputed this account 3 times and all 3 times they are saying it was verified as accurate which they did not send me documentation of how they verified this account was late since the company confirmed i have never paid this account late. Which is direct violation of my consumer rights under the FCRA 15 U.S. Code 1681 ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Which was never provided to me. Also The dates they are stating i was late falls under SEC. 4021. CREDIT PROTECTION DURING COVID19. 

Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. 
( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) COVERED PERIOD.The term covered period means the period beginning on January 31, 2020 and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on March 13, 2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.. They are negligent and this is causing harm and i will be seeking damages since there negligence is costing me and reputation by them choosing to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 - Citibank NA, Best Buy checked my credit without my permission. I was a victim of Identity Theft. 
Also, on XX/XX/2020 - XXXX / XXXX attempted to give me a loan. I did not authorize this company to check my credit. I contacted them already as well to decline any application. I was a victim of Identity Theft.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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