23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC168. And they violated my rights numerous if times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My loan services changed to Freedom Mortgage on XXXX. I was only notified a few days prior and was not provided a loan number to make my next payment. 

Ive contacted the company via email and chat and have been offered no help and their chat staff was not knowledgeable. 

I want to make my payment but can not and am incurring interest on the principal I want to lay down. Freedom Mortgage is basically ensuring extra interest income by withholding loan information required to make payments and I feel that is criminal.
Product: Debt collection

XXXX XXXX : As per my rights under the Fair Debt Collection Practices Act ( F.D.C.P.A. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe.

An explanation showing how the amount was computed.

Copies of any documents that prove I agreed to pay the alleged amount.

The identity of the original creditor.

Confirmation that the account has not exceeded the statute of limitations ( SOL ) period. 
Evidence that XXXX XXXX is a licensed debt collector. 
Evidence of XXXX XXXX license numbers and registered agent. 
Additionally, I request that you remove any outdated or unreachable addresses and phone numbers from my credit profile. Please ensure that my name is updated to reflect the only name I go by, which is XXXX XXXX. 
Please be informed that if your agency or the creditor you represent has reported unverified account information to any of the major credit bureaus ( XXXX, XXXX, Experian ), it constitutes a fraudulent action under both federal and state laws. If any negative item related to this account remains on my credit report without proper validation, I will be compelled to take legal action for the following violations : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ) Defamation of character Unauthorized use of my copyrighted property
Product: Bank account or service

I applied for a line of credit with care credit thru GE I as originally denied but was told I would be approved if I had a cosigner. I got a cosigner and was approved. I received a welcome letter and XXXX cards in my name. When the bank changed to Synchrony bank I received another letter. a few months later I called Synchrony bank due to not receiving a statement and I was told that I did not have an account. I argued with the rep to no avail. They said my cosigner was the only one on the account and I was just an auth user. The only info they have on my cosigner is name, ssn and dob. No phone number, no address, no employment was ever disclosed on the online application that was in my name. This was about a year ago. Now I call into Synchrony bank to get a payoff and they are saying again that I am not allowed to get any info. Also, I have been making more than the min payment amount and some months pay XXXX or XXXX payments a month. Synchrony bank does not credit my account for payment for the month paid if the payment is before the due date. that 's right. if you pay your account on the XXXX of the XXXX for your XXXX bill which is due on the XXXX your payment is posted to XXXX and you are then considered late pay and hit with a late fee and additional interest. I pulled the payments on line from both my bank statement and the payment postings on my Synchrony statement they all do show up each and every month, not missing a month and some times XXXX or XXXX payments a month but some were posted before my due date so they were not applied to that month. So I am being punished for making additional payments during the month to pay off the loan sooner and Synchrony stealing from me. I am not trying to pay months ahead I pay each month for that month and add more payments to lower my total amount to be charged interest, I am sure that I am not the only person this is happening to I have read many online complaints and it seems to be their standard practice. I totally see and will seek a class action law suit against synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 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: Mortgage

XXXX XXXX is attempting a short sale with PHH. Over the past few months XXXX XXXX has been calling in to get a status on the short sale. The seller is deceased and the correct executor documents have been send to PHH and reviewed and accepted. The file was reviewed for a loan modification and denied XXXX. When XXXX XXXX called in XXXX, XXXX XXXX was told the short sale was initiated and the appraisal was ordered. XXXX, PHH said the short sale has not been initiated and the appraisal has not been ordered. The manager said he will initiate the short sale and order the appraisal. XXXX PHH said the file has not been reviewed for a loan modification yet and needs to be reviewed for a loan modification, the manager got on the phone and apologized as XXXX XXXX was given the wrong information again and the short sale will be opened for review and the appraisal will be ordered. XXXX. PHH said the short sale has not been initiated yet, but has been escalated and the appraisal will be ordered. XXXX PHH said the file has to be reviewed for a modification and can not be reviewed for a short sale until the file has been reviewed for a loan modification, the manager XXXX XXXX ID # XXXX said the file has not bee opened for a short sale and she will escalate the file to be opened for a short sale and for XXXX XXXX to call back in 2 days. XXXX PHH said they don't have the executor documents and can not move forward with the loan modification until they have the correct executor documents. The manager XXXX ID # XXXX said that he doesn't have the executor documents that were sent in XXXX and XXXX. He looked into the file and he does see that PHH has the executor documents. He said the file will be opened for a short sale and the appraisal will be ordered. XXXX XXXX has been told that multiple times over the past 4 weeks from multiple managers. Can someone please help?
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 a consumer report containing any of the following items of information. Any other adverse 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 calls to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are taking too long to respond to an investigation I requested on XX/XX/XXXX. They were supposed to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax numerous of times in regards to creditors not being able to access my credit report. This has been going on ever since they were hacked. I was given the run around with getting any answers in regards to solving this problem. i am unable to use my credit due to the fact that most companies use this credit reporting agency.
Product: Credit card or prepaid card

I XXXX XXXX XXXX HAD MY EDD BENIFITS STOLEN FROM.XXXX XXXXXXXX TILL XX/XX/XXXX. SOMEONE STOLE MY IDENTITY AND STOLE MY EDD PREPAID BENEFITS CARD AND STOLE ALL OF MY BENEFITS. BANK OF AMERICA CALLED ME TO IDENTIFY MYSELF IN THE BANK WHICH I DID AND FOUND OUT THAT MY EDD MONEY WAS STOLEN. I WAS DENIED MY CLAIM FOR BANK OF AMERICA TO RETURN MY FUNDS THAT QERE STOLEN. I HAD NO KNOWLEDGE OF THE PERSON WHONATOLE MY FUNDS NOR DID I GIVE NO ONE PERMISSION TO USE MY CARD OR ACCOUNT. I APPEALED THIS ON XX/XX/XXXX WITH EDD AND BANK OF AMERICA. 
XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have paid off my XXXX XXXX 's consumer loan accounts and XXXX XXXX as of XXXX/XXXX/2015. It 's been over 5 months and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo XXXX should say, copy and paste this 23 %
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX XXXX, XXXX, XXXX Violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ). Delete these accounts or remove the late payments to protect your company from lawsuits.

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, Equifax & XXXX consumer report, and I noticed you XXXX XXXX XXXX XXXXXXXX are reporting my transactions and experiences specifically late payments that you have posted on my consumer report from multiple accounts : Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXXXXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 


Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company.
Product: Debt collection

I am writing to formally dispute the debt listed below, which appears on my credit report and is being reported by your company. I believe this debt is inaccurate and/or unverified, and I am requesting a thorough investigation to resolve this matter. 
Debt Reference Number/Account Number : XXXX Original Creditor : PORTFOLIO Amount in Dispute : {$430.00} I have reviewed my credit report and have found this debt to be inaccurate or unverifiable for the following reasons : I do not recognized this account Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Provide written validation of this debt, including the original signed agreement or documentation showing I owe this debt.

2. Investigate the validity of the claim and remove it from my credit report if it can not be verified.

3. Provide me with a written statement of your findings and the steps taken as a result of this dispute.

If you can not verify this debt within the legally required timeframe, I request that you cease collection efforts and remove it from my credit report immediately. 

I look forward to your response within 30 days, as required by law. Please send all correspondence regarding this matter to my address above. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau. The documents needed are a picture Id, XXXX, a group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  -De XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant Reporting Act. I have given you my identification as we are required by law. I have provided all needed documents and determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is still reporting inaccurate information regarding my name. This is my 3rd attempt trying to have this information removed. 15 USC sec 1681 ( a ) ( 1 ) in the Confessional Findings stresses banking system are dependent on Fair & Accurate information. TransUnion is reporting severe inaccuracies regarding the spelling on my first name. This is a violation of my rights. Without my consent and without permission to publish information they have no clue is accurate.. they are still reporting inaccurate information. Pursuant to 15 USC 1681 ( a ) ( 2 ) .. TransUnion is an automated, non-human mechanism that is assembling information about me that is inaccurate and has an unfair advantage over me. My disputed are not making it to a living person who can assess my request. They are not worthy of the viral role they have assumed. They take on a grave responsibility and are careless and reporting fraudulent information. Causing negativity on my consumer reports.
Product: Vehicle loan or lease

ON XXXX XXXX I NEVER BEEN LATE FOR A CAR LOAN I OWED TICKETS TO THE CITY OF XXXX THE FINANCE COMPANY TOOK THE CAR I WAS WILLING TO PAY THE FINANCE COMPANY FOR BOOT AND TOW FEES BUT THEY PUT REPO CHARGES ON THE CAR HOW IS THAT I DONT OWE THE FINANCE COMPANY SO I AGREE WITH AUTOMOTIVE CREDIT COPORATION TO GIVE THE MONEY TO THEM XXXX XXXX AND THEY AGREE THEY WONT REPORTED TO THE CREDIT BUREAU THEY BROKE THE AGGREMENT WITH ME MY CREDIT ALREADY DEEM SO ONLY THING IM WILLING TO PAY IS BOOT FEES NOT NO REPOSSESSION BECAUSE IM NOT LATE ON CARNOTE I TRIED SEVERAL TIMES WITH THEM XXXX XXXX THE MANAGER HAS REPEATLY GIVEN ME PROBLEMS
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive repeatedly requested to have them to stop reporting any past due of {$59000.00} on a XXXX XXXX Account on my credit report. I continuously send information to them showing that the account was closed XXXX 2012. I do not have a past due balance, this is not a FHA Real Estate Loan, Im not in foreclosure. Every time I dispute the information, its taken off my credit report, then put back on a few months later. I have submitted a statement. The another credit reporting agency ( XXXX XXXX ) that pulls credit reports on behalf of FEMA submitted the information to Equifax and they refused change it .Im submitting the e-mail, copy of credit report, Letter from FEMA regarding credit report and Denial of employment regarding credit report Please block XXXX XXXX from reporting on this account. By the credit reporting agency allowing this to occur, I was denied employment from FEMA based on the derogatory information on my credit report. Im enclosing the supporting documentation.
Product: Credit card

XX/XX/2023 charge to my AmEx credit card for {$30.00} labeled as XXXX XXXX XXXX XXXX XXXX XXXX '' with a same day reverse of the charge for the exact amount labeled as " XXXX XXXX XXXX XXXX ''. The description is nonsensical and most any layperson not in the finance industry would not have a clue what that is. I requested an explanation but really didn't get one other than it was an internal error and they corrected it. That's fine, but why was I not proactively informed? What is the root cause of this error? What my credit card info compromised in any way due to AmEx 's error? What is being done to fix it? Was it a human error? Was it a tech error? Again, what is the root cause and why was my credit card affected, and why was I not notified? AmEx had no explanation for this- just repeating back " they fixed it ''. Was this mysterious charge for {$30.00} from another person 's credit card charge? How and why did this {$30.00} come about?
Product: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX, that on XXXX18, I went to my bank to attempt to resolve a fraud case that I had filed with my bank concerning unauthorized withdrawals. I have already files complaints with FCC and Florida States Attorney General against XXXX, XXXX. This company/chase bank are taking advantage of myself and wife that are elderly folks. In all we have lost {$120.00} from our little savings that we keep in the checking account being discussed. The bank manager was very helpful but the fraud and claims department at chase bank would not reopen my claim, he even attempted to call the company but he had no luck. I want my bank to recognize that I was ripped off, which at this time they say is my fault. Please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX XXXX XXXX  # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 
the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

Re XXXX I attached the debt verification letter that was sent by my request. I highlighted the name addressed on the doc. That's my maiden name, I have not used my maiden name since XXXX, the statement is for services for XXXX. The name that would of been provided would of matched my insurance card and drivers license with my correct last name. I also attached a pdf of my XXXX insurance card with ID # I've had since XXXX. The document provided has inaccuracies as well as missing insurance information that I would have had at the time of services if this debt was mine. The letter states medical information that violates the HIPPA Act. I never signed a HIPAA form to authorize you to have access to the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

XXXX XX/XX/XXXX at XXXX I received a call from someone posing as Wells Fargo fraud , they state they detected fraudulent charges they were concerned about and then procede to help close debit card and open new debit card, they receive acount details and order new card XXXX XX/XX/XXXX they add new card to XXXX XXXX, with proof that it wasn't from my phone or number -XXXX  XXXX fraudulent transactions made to " XXXX XXXX '' 1 in the amount of {$10.00} and the second XXXX and supposedly declined according to Wells Fargo email, receive email notifying me card is being shipped ( same card used to make transactions, vendor says card and chip were present how when its just now being shipped? ) -XXXX  XXXX charge is noticed and claim is made, changed account numbers and cards Attached photos show XXXX XXXX and mobile account links with Wells Fargo come from phone that isn't mine Show the initial call from fraudsters either working in or using Wells Fargo cust service number Show card being shipped the day after it was supposedly used to make transaction, according to Wells Fargo investigation that's what the merchant said card was present, clearly XXXX XXXX was used