23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a XXXX dollars XX/XX/year>. Then I tried to withdrawl XXXX through and atm fee and got declined. Then I tried to withdrawl XXXX dollars and it got declined. Now I have XXXX dollars in my account. From these 2 transactions from 2 failed atm withdrawls. I tried talking to costumer services but the just forward me their atm rates and say I didn't have suffient funds. Thus isn't the first time it happened too. This is from cashapp.
Product: Debt collection

I didn't give the original creditor permission to sell my account to any 3rd party agency. This 3rd party creditor continues to call me 3 or more times a day, early morning or late night. I answer the phone and either no one response or I get a automated system talking. This is annoying and rude. I have never received any documents in the mail on payments or terms from this agency.
Product: Credit card or prepaid card

My credit limit with Synchrony Bank was {$3000.00}, I made a payment of {$1000.00} and the credit card company lowered my credit limit to {$500.00} stating it was due to my credit score, serious delinquency, proportion of balances, revolving accounts to high, number of delinquency, and length of time accounts have been established. 

Which is not true, I have been paying my creditors on time for well over two years, I have paid off have the balances on my accounts. 

Yes my credit score is low, but I am working on my credit.
Product: Debt collection

I received a letter from a company XXXX XXXX XXXX XXXX claiming that I owe debt to PayPal, Inc. Account Balance is showing {$130.00} My current balance with PayPal is XXXX dollars and I 've never had any issues with PayPal . At the same time PayPal does not seem to be taking this issue seriously. The letter I received from a debt collector seems to be a straight up extortion. Claims that if I do n't respond to the claim in writing within 30 days, the debt will become valid. 

I 'm not going to respond to them as I believe it 's a scam!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my complaint to the three credit reporting agencies, XXXX, XXXX, and Transunion, because they are reporting inaccurate personal information of mine on my consumer credit report and infringing my consumer rights pursuant to 15 U.S. Code 1681 ( a ) for continuing to report information on my consumer report without verifying the accuracy of the information first. I want it deleted from my consumer report for it is harming my reputation and I can't receive mails in those addresses nor am I reachable in those addresses. 

They also violated my consumer rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible Purpose for reporting information on my consumer report without my permissible purpose. They did not even reach out to me to confirm any personal information that only I can verify before they report it on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

various accounts been shownn up on my credit report
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.
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. 

Account XXXX XXXX  XXXX # XXXX Account XXXX  XXXX XXXX  # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX  Account XXXX XXXX XXXX # XXXX  Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also state 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 make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedate the report by more the 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 information is inaccurate.
Product: Checking or savings account

Chase accepted a check stolen without my signature the check was dated XX/XX/year> and was cashed at a XXXXXXXX XXXX XXXX XXXX branch. The amount of the check is {$2500.00}. 
Chase claim # XXXX XXXX XXXXXXXX XXXX XXXXXXXX case # XXXX Chase Bank has refused to credit my account for this amount Need assistance to get my money refunded from have Bank since they accepted an unauthorized check and was cashed without a signature.
Product: Mortgage

Our current credit report shows over many consecutive months of late payments to Acqura/Clearspring Loan Services for our loan that are completely erroneous and destroying our chances of refinancing before XXXX our mortgages come out of the interest only phase and/or variable interest rates begin to ramp up. 
XX/XX/XXXX becuase automatic payments and online payments did not seem to be available, we made a {$2000.00} pre-payment to Clearspring to pre-pay all monthly minimum payments through the remainder of the year to ensure that no late payments could possibly be reported. 
XX/XX/XXXX we continued to receive monthly statements from Clearspring showing that a payment of {$0.00} was due. However, in our current credit report, Acqura/Clearspring has been reporting our payments as 30 days late every month XX/XX/XXXX, save for XXXX. 
I can not tell you how frustrating this is as a consumer. We have been racing against the clock to refinance our XXXX homeloans and have been stalled twice now by XXXX 's reporting of late payments. Like many consumers concerned about late payment reporting, we consistently set up automatic payments and bank withdrawals with our lenders to avoid this very thing, however, XXXX 's online auto-pay sign up system has failed on numerous occasions XX/XX/XXXX without alerting me that the auto-pay function was not available to set up online. 
I then phoned XX/XX/XXXX to ask for auto-pay to be set up and paperwork was supposedly sent to me to do so. The forms never arrived and as a result, our XXXX payment was made after the due date further affecting our credit report. I followed up to ask for the paperwork again, which did finally arrive in XXXX. I completed the forms and returned to Clearspring and never heard back. 
XX/XX/XXXX I phoned XXXX to ensure that the payment would be made on time and found out that my auto-pay request had been denied. No one had attempted to contact me to inform me of that or why. During that phone call, I found our that XXXX declared my requested withdrawal date XXXX the XXXX of the month ) to be too far after the payment due date. What they did n't consider, for some reason, was that I was actually requesting the XXXX of the PRIOR month to be the withdrawal date to be extra precautious and to spread one of our automatic payments to a different time of the month. 
I am concerned that business practices at Acqura/XXXX place a too-high burden on its customers for making consistent, timely payments. At the same time, the company 's erroneous record-keeping and reporting are damaging people 's lives and threatening to further erode the slow gains the nation 's economy is making.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Equifax. I submitted a complaint to Equifax regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Equifax is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Equifax. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Equifax address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Payday loan, title loan, or personal loan

THE COMPANY HAD TOLD ME SEVERAL MONTHS AGO THEY WOULD TURN ME OVER TO GARNISHMENT BECAUSE OF DELINQUENT IN MY PAYMENTS. THIS WAS BECAUSE OF SHORT TIME AND SICKNESS OF MYSELF AND A FAMILY MEMBER. I WAS ASKED TO BRING IN XXXX DOLLARS THAT DAY OR BE GARNISHED. I TOLD THEM I DIDNT HAVE IT BUT WOULD GET PAID THE FOLLOWING FRIDAY, NOT ACCEPTABLE SO I HUNG UP. THE NEXT FRIDAY THEY CALL FOR A PAYMENT AS IF NOTHING HAD HAPPEN SO I PAID AND PAID AND PAID THE AMOUNT WAS XXXX XXXX.WHEN I QUESTION THEM ABOUT MY BILL SHOULD BE PAID OUT THEN THEY TELL ME ABOUT THE LATE CHARGES, SO I STARTED PAYING {$100.00} EVERY TWO WEEKS, ON THE PAYMENT THAT I QUESTIONED I PAID XXXX AND THOUGHT THAT WAS IT, THEY INFORMED ME I STILL OWED OVER 200 DOLLARS MORE. I STOP PAYMENTS AND TOLD THEM WHEN THEY COULD PROVE I OWED THAT MUCH WE COULD TALK. NOW THEY ARE CALLING MY CHILDREN MY FRIENDS AND BLOWING UP MY PHONE AT WORK THIS HAS TO STOP OI I WILL SEEK FURTHER ASST. THE COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well at this moment I fell so violated and treatment is horrfic. 
In accordance with the fair credit Reporting act XXXX XXXX XXXX  has violated my rights. 
15USC1681 section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC16668 A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Report requested by XXXX XXXX XXXX  for a mortgage XXXX  XXXX obtained a report from XXXX XXXX in XXXX, PA. 

The report provided the credit score from each agency, XXXX, XXXX & Experion. 
For each agency there were scoring descriptors that were incorrect and that could not be substantiated by the data. XXXX XXXX was contacted and explained that the scoring model is originated by XXXX XXXX XXXX. 

After contacting XXXX XXXX, XXXX and FICO, no one accepted responsibility for the errors. 

Descriptors used - " level of delinquency on accounts '' " too many consumer finance company accounts '' " insufficient length of revolving credit history '' were inaccurate. 
I have {$0.00} balances, XXXX delinquencies and my revolving accounts have aged beyond 15 years. 

These descriptors impact the credit score which impacts the lending agencies decisions.The data analytics require correcting and the reporting agencies including XXXX XXXX are equally responsible.
Product: Debt collection

I have no knowledge of said debt and I would like it removed as it is reporting negatively to the credit bureaus and causing catastrophic damage to my credit report and financial freedom.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed a bankruptcy on my Experian credit report. I sent in information to Experian from XXXX stream that shows there is no bankruptcy showing in their records either. Even with that information, Experian is still saying that the bankruptcy is still being verified by XXXX. I'm convinced these credit reporting agencies aren't really doing a complete and accurate investigation into these disputes. It's unfair and damaging to my reputation. I would like for the company to do a better job at investigating my disputes. How is it possible to continue to say XXXX is verifying information that they themselves do not have?
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests via mail and telephone to resolve my credit reporting errors to the companies in regards to late payments on my account. I have sent my personal information along with a copy of The Heroes Act and explained that I was negatively impacted by Covid 19 and per the Heroes Act be protected from it affecting my credit score. I have sent requests in XX/XX/2022, XX/XX/2022, XX/XX/2022 and also had several phone requests without any resolution into the matter. This is severely impacting my credit and which in turn is not allowing me to purchase a new home and it was beyond my control and again per the The Heroes Act I am requesting that the late payments that were reported during the Pandemic be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 : DEPT OF EDUCATION/XXXX XXXX Balance : {$6500.00}, XXXX XXXXXXXX Balance : -
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

mY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB is XXXX my SS # XXXX. I am having issues with inaccurate information on my credit file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current EMPLOYER/ JOB : XXXX XXXX ar XXXX XXXX XXXX XXXX following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX  : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ First Progress ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry.

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card

I just reviewed my credit report in XX/XX/XXXX and noticed a inquire from XXXX XXXX XXXX. I did not open any account or have any knowledge of how this account is open. I sent all my documents into Transunion and have not heard back anything. I been getting ignored and do not know what to do. Can you please help? 

Transunion XXXX XXXX XXXX XX/XX/XXXX