23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/scrub> 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 ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXXXXXX 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: Student loan

I was attending XXXX XXXX back in XXXX if 2023 for XXXX, I ended up Not liking it so I transfered over to XXXX in XXXX /XXXX which is cheaper started in XXXX XXXX they said my grant will roll over to the next coarse now that I had a problem I didnt get to complete school they took the money & & XXXX XXXX XXXX for somethings I didnt do a week before I was supposed to graduate in XXXX. Now that they have what they wanted Im stuck here with lots of loans out of nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT ED 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
Product: Checking or savings account

When depositing my cash into Bank of Hawaii 's atm, I received a printed note that stated that there was an issue with the ATM and that I needed to contact the bank. I deposited a total of {$1500.00} into the ATM and my account did not reflect any of these transactions. I called the bank and created a claim while giving the banker all of the information off of the ATM slips that I had received. I later got the compensation into my account while they reviewed the ATM transactions. A couple of weeks later, the bank withdrew a total of {$1100.00} out of out my account with then made my account ( - ). When contacting the bank, they stated that in dispute they did not see any transactions that I had made threw the ATM.
Product: Credit card or prepaid card

RE : Synchrony bank says I didn't make my payments and charged me a late fee, I have cashiers check receipts for XXXX & XX/XX/XXXX Payments I received a statement from Synchrony MC/Syncb, XXXX XXXX XXXX, XXXX GA XXXX on Saturday, XX/XX/XXXX stating my account is over due by {$140.00}. On XX/XX/XXXX at XXXX XXXX, I called the phone number ( XXXX ) XXXX, got a representative by the name of XXXX, who refused to give me his id number. I asked to be transferred to a supervisor. 

Problem. I explained that the statement that I received for this month says that I am past due. I explained to this representative that I have a copy of a cashiers check showing that I made a {$60.00} payment for XXXX XXXX  payment which showed the minimum payment due was {$50.00}. This cashers check is dated XX/XX/XXXX. My payment due date for XXXX was due by XXXX XXXX, XXXX. I mailed my payment out XX/XX/XXXX which gave more that 15 days for my payment to be received. Synchrony charged me a {$29.00} late fee, when I used the statement address coupon slip that the company sends and this address is where I always send my payments. I explained to this company that there is a possibility that my payment could have been credit to the wrong account. Synchrony is not interested in finding out what happened to my payment, they found it easier to charge me the late charge of {$29.00}. They need to find my payment. I always make sure my account numbers are printed on the cashiers check. 

Headquarters XXXX XXXX XXXX, XXXX, OH XXXX XXXX File Opened : XX/XX/XXXX Years in Business : 88 Business Started : XX/XX/XXXX Accredited Since : XX/XX/XXXX Type of Entity : Corporation Number of Employees : 16000 Alternate Business Name Synchrony Financial Care Credit XXXX XXXX XXXX Read More Business Management Ms. XXXX XXXX, President/CEO Mr. XXXX XXXX Ms. XXXX XXXX Products and Services Synchrony ( XXXX : SYF ) is a premier consumer financial services company delivering customized financing programs across key industries including retail, health, auto, travel and home, along with award-winning consumer banking products. With more than {$140.00} XXXX in sales financed and 80.3 million active accounts, Synchrony brings deep industry expertise, actionable data insights, innovative solutions and differentiated digital experiences to improve the success of every business we serve and the quality of each life we touch. Our financial expertise spans key product areas, including apparel, electronics and appliances, home furnishings, automotive, power products and sports, jewelry and luxury, other retail, elective healthcare procedures and services, and more. Additional information can be found at www.synchrony.com and through XXXX : @ Synchrony. 

Sychrony Bank Customer Service - ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX http : //www.synchrony.com ( XXXX ) XXXX
Product: Bank account or service

I was a customer of Wells Fargo for many years. While I was a customer they requested at every chance they got for me to choose paperless statements, so I finally gave in so they would stop asking and to help the environment. Now that I have closed my account I have no record of any activity or history as all of the statements were stored on their site. I called today to ask for a copy of XXXX statement and they told me that because I had no active account to bill the {$5.00} serve charge, I would have to mail a request with a {$5.00} money order. I wish I would have known that I would have no access to my information BEFORE I closed the account. I feel as though they are holding my statements hostage.
Product: Credit reporting or other personal consumer reports

I am writing to urgently escalate a matter previously addressed in complaints filed on XX/XX/year> ( CFPB XXXX XXXX XXXX XXXX  ), and XX/XX/year> ( CFPB XXXX XXXX XXXX XXXX  ), concerning XXXX XXXX  incorrect reporting of a business credit card to my personal credit report. 

Despite multiple correspondences and complaint filings, XXXX XXXX has yet to provide a satisfactory explanation or adequate documentation that justifies the reporting of the XXXX XXXX XXXX XXXX XXXX XXXX as a personal liability. The responses from XXXX XXXX, including the most recent dated XX/XX/year>, have failed to address my specific concerns about the absence of a personal guarantee. Notably, after XXXX XXXX initial response in XX/XX/year>, where they did not validate the account as a personal obligation, the account was removed from my personal credit report, only to resurface recently, contradicting the previous resolution. 

Additionally, this account never reported to my personal credit while it was current. It only appeared on my personal credit report after the business defaulted on the payment, which was later paid in full. The business associated with this card has fully paid the owed amount. Despite this, the account is erroneously being reported as a charge-off on my personal credit report. 

The re-emergence of this account and its incorrect status on my personal credit files is perplexing and alarming, especially since the documentation provided, including statements and a copy of the application information, does not constitute a binding personal agreement or evidence of a personal guarantee on my part. As the card was signed and used strictly in my capacity as a company XXXX XXXX XXXX XXXX, and no personal guarantee was signed, it is inappropriate and erroneous to report this business debt on my personal credit files. 

Furthermore, XXXX XXXX has failed to validate this account properly, violating the Fair Credit Reporting Act ( FCRA ) multiple times. In their validation attempts, they merely sent statements, which do not prove that I personally guaranteed the account. This alone is sufficient reason for the immediate removal of this account from my personal credit report.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX  days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be XXXX!!!!!
Product: Credit reporting or other personal consumer reports

MY PERONAL INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE XXXX XXXX BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT XXXX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND XXXX HAS DONE NOTHING TO FIX THIS. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS AND ADDRESS FROM MY CREDIT REPORTS. 

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 {$820.00} i have not lived at this address XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the unauthorized reporting of the accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681 : 1 ) Account name : XXXX XXXX XXXX 2 ) Account name : XXXX XXXX BANK XXXX 3 ) EXPERIAN 4 ) XXXX XXXX ) XXXX The companies listed above have 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

under Experian membership program offers are sent to apply for credit without effecting credit score, but the instant you apply it effects/decrease score. I have called Experian and spoken to XXXX representatives from membership to Disputes and none helped, they kept giving me different numbers to call.
Product: Debt collection

I wish to express my concern regarding Nelnet, a student loan collector, persistently attempting to collect an alleged debt through email. As per the Fair Debt Collection Practices Act ( FDCPA ), Nelnet is classified as a debt collector. 

Proof of receipt shows that Nelnet received my cease and desist letter via mail on XX/XX/2023. Despite the receipt of the cease and desist letter, Nelnet continues to violate my consumer rights by consistently attempting to collect the alleged debt through email. 

I am prepared to provide the necessary evidence to substantiate these claims and emphasize the direct infringement on my rights as a consumer.
Product: Consumer Loan

PayPal charged XXXX small fees to my bank account because I registered this bank account with PayPal to make payments to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy under 15 U.S.C 1681. 

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 U.S.C 1681 section 602 A. States that 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items 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 have a hard inquiry on my XXXX report from 800 LOANMARTXXXX  on XX/XX/2024 which I do not recognize or authorize and I want it to be immediately deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.
Product: Mortgage

Freedom Mortgage has my account as discharged through a XXXX XXXX and derogatory in the comment section. I sold my house and paid the mortgage in full in XX/XX/2021. I paid all payments outside of the XXXX XXXX plan. There was a payment included in the XXXX XXXX. I also made that payment outside of the plan and Freedom Mortgage receive that payment through the plan too. I spoke to Freedom Mortgage representatives they stated that they can report it discharged through the XXXX  XXXX even though the mortgage was paid through a real estate sale.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : EXPERIAN XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00} XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX XXXX {$410000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX BALANCE {$620.00} XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX BALANCE {$13000.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX BALANCE {$41000.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX BALANCE {$8200.00} XXXXXXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX BALANCE {$620.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX BALANCE {$13000.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX BALANCE {$41000.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX BALANCE {$8200.00} XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX BALANCE {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00} XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX BALANCE {$620.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX BALANCE {$13000.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX BALANCE {$41000.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX BALANCE {$8200.00} XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX BALANCE {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00} XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Mortgage

Hello. Around XXXX XXXX or so of this year I submitted a complaint about poor mortgage loan servicing for a modification from BOA. They have since responded to the CFPB 's requests, but now there are new issues with them. In calling me in response to your requests they affirmed me I can re-apply for the modification. I asked specifically, once again, " do I meet the baseline requirements to even apply '', she said yes. I then received a callback from XXXX XXXX, my new account manager on XXXX/XXXX/16 at XXXX, after giving her a quick synopsis ( the documentation I sent you from the original complaint ). I asked AGAIN, the third time " Do I qualify for assistance based on meeting certain prerequisits '', and she said yes I do. 
After doing a little research online I did find there is a 24 month waiting period between modification applications. I reached out to BOA on XXXX/XXXX/16 XXXX. I spoke to another acct. mgr. XXXX and asked if what I am reading is correct. She told me, within 5 mins, that I would not be eligible for mod before 24 months. She then advised me to wait to submit the application till XX/XX/XXXX. 
So CLEARLY, once again I am being set up to fail, had I not made this call to the bank I would have submitted my paperwork too early and denied, putting my situation even further out of affordability of a Chapter XXXX repayment. 
So far I have gone through XXXX different account managers in just a few short weeks. 
XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 " XXXX '' XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 I did not write her name down, will show in notes at BOA i 'm sure. 
XXXX/XXXX/16 Back to XXXX. 
This continues to be a ridiculous circus with the bank all before I even send the application out! Each acct. mgr. with different information of the base requirements. I am at the point I may need to find legal counsel which I really ca n't afford, so I am really hoping you can followup with them and find out what their excuse is this time. 
Thank you, XXXX XXXX XXXX