23daVinci/CFPB_Complaints huggingface dataset:
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 16 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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: Debt collection

I am concerned w  ith two things regarding Synchrong Bank.
# 1 The envelope they sent to an incorrect address, this address is a family member 's house, but not my address.
# 2 The Envelope contains various FDCPA/RFDCPA Envelope Violations. 15 U.S. Code 1692f ( 8 ) # 3. Please see attached letter request, waiting for a response from Synchrony Bank.
15 U.S. Code 1692f ( 8 ) - Unfair practices. Using any language or symbol, other than the debt collectors / creditor 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Please find the burden of proof attached.
I do n't wish to litigate this matter, but I would be entitled to {$1000.00} in statutory damages at the very least and attorney fees should this matter not be resolved in a timely m  anner by synchrony bank.
Product: Credit card or prepaid card

When I canceled a Citibank AAdvantage credit card with a fee, I was informed that if I wanted a credit card, I should go with the mile up credit card because there is no fee. There was also a promotion of XXXX miles and a {$50.00} credit if you spent {$500.00} within the first three months. 

When I contacted them about the promotion, I was told I did not qualify because I had canceled the card with the fee.
Product: Credit reporting, credit repair services, 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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX WOLF XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX PREMIER XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXX RAN ) XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX {$64.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Cash app has refused to provide a legitimate customer support service and my information was taken several times in the past. They force you to talk to an AI model or a low rate third party. 
Cash app has failed to resolve these issues in a timely manner and showed zero urgency, leaving my account vulnerable & unprotected, thats unfair & deceptive Under the electronic fund transfer act or EFTA and regulations as well. That caused significant financial loss. I seek redress for these violations.
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 Name : XXXX XXXX # XXXX 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: Checking or savings account

No matter what happens chime tells me Im at fault for something and wont be credited .. 

The XXXX XXXX XXXX XXXX XXXX dispute I have i need to be credited for The XXXX dispute I had I should be credited for theyre system doesnt tell you whos account is connected to a number until after You send it and then they tell you its nothing they can do I didnt notice I put the wrong number and do now Im just out of my $
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The following accounts have violated my federally protected 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 Upon reviewing my Equifax credit report on XX/XX/year>, I found incomplete and inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to ensure the utmost accuracy of information in consumer reports ( 15 USC 1681 ( e ) ( b ) ).

Under 15 USC 1681 : Consumer reporting agencies are required to promptly delete or correct inaccurate or unverifiable information after a consumer dispute ( 15 USC 1681i ).

They must promptly inform the information provider if any information has been modified or deleted due to a dispute ( 15 USC 1681i ). 
Consumer reporting agencies are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe it is inaccurate ( 15 USC 1681s-2 ).
Product: Credit reporting or other personal consumer reports

Date XX/XX/year> I have submitted several disputes through XXXX and XXXX. The issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX  Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/year> was made on time, which falls well within XXXX 's 15-day grace period. The payment was not 30 days late, and therefore, it should not have been reported as such. 
Clerical error by XXXX : The creditor processed my payment on time, but due to an internal system error, the payment was incorrectly marked as late. This caused an inaccurate 30-day late report to the credit bureaus, despite timely payment. 
Evidence provided : I have attached the bank statements and payment confirmation emails, which clearly show that the payment was processed on time. This evidence confirms that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

A notice of hearing has been filed to occur prior to an illegal attempt at foreclosure of a deed of trust " in the matter of a Deed of Trust executed in the original amount of {$90000.00} dated XX/XX/XXXX, recorded in Book XXXX, Page XXXX, XXXX XXXX XXXX '' by XXXX XXXX XXXX XXXX XXXX represented by " XXXX XXXX XXXX '', XXXX XXXX XXXX, XXXX, XXXX, XXXX. Details of the notice and the original deed identify XXXX ( XXXX ), FKA XXXX, as Trustee to the certificate-holders of the XXXX XXXX XXXX XXXX ( XXXX, XXXX ) ASSET-BACKED CERTIFICATES SERIES, XX/XX/XXXX-XX/XX/XXXX, also DBA a debt collector for XXXX XXXX XXXX, named Specialized Loan Servicing , LLC ( SLS ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX being named defendant in a Federal class action by XXXX states, is still in the process of disseminating funds and other loan modifications to it 's customers who were deemed by the United States Department of Justice to have been damaged. Court documents and the XXXX Attorney General XXXX XXXX, along with the other states are directly involved with monitoring and assuring compliance by the banks and loan servicers to satisfy the disbursement of funds and mortgage modifications as ordered by the DOJ to give relief to these borrowers. Information can be obtained at the XXXX Attorney General 's Office of Mortgage Settlement Oversight at their website XXXX Attachments will show a brief summary of what is being accomplished, and final appeals and final settlements and actions by the courts against XXXX have only recently been reached and loan modifications will continue for the remainder of XX/XX/XXXX into XX/XX/XXXX. In addition, a lien is held on this specific property by the State in the approximate amount of {$11000.00} in the form of a grant obtained by the XXXX Housing Finance Agency and is backed by Federal government money in order to prevent a foreclosure. Any enforcement of foreclosure on this property would directly nullify the agreements already in place and legally obtained by the State of XXXX, the United States Department of Justice, the XXXX Department of Justice, and would further violate and upset the settlement agreements afforded to and established for this individual as so ordered by the Superior Court.
Product: Mortgage

Regrettably this case is not closed, nor will it be until Ditech responds with accurate information. This property was not discharged in my bankruptcy proceedings as purported so your accounting based on that inaccuracy is suspect. I can produce valid documentation to prove I have paid my mortgage as agreed. Harassment must cease immediately. I intend to pursue all remedies available to me under the law. For the last time, review my loan documents and produce proof of your explanations as I am prepared to do.
Product: Credit card

during XXXX there have been made a ballance transfer from a credit card to Wells Fargo in sum of {$3000.00} with the following adversized features : XXXX month credit - no interest computed on this credit My Understanding was that for 14 month I could pay {$0.00} and pay ballance in month XXXX I actually decided to pay a monthly $ XXXX In XXXX I needed to use the overdraft that during XX/XX/XXXX and XX/XX/XXXX in XXXX accrued to {$630.00} of which the transaction on the XX/XX/XXXX was payed the next days on XX/XX/XXXX Wells Fargo , was putting the XXXX credits in the same bucket as a credit, although one was interest free and the other one was not. 

In this way, the payment I made on XX/XX/XXXX ONLINE TRANSFER REF # XXXX TO XXXXXXXX XXXX XXXX XXXX ON XX/XX/XXXX {$550.00} and the XXXX XX/XX/XXXX ONLINE TRANSFER REF # XXXX TOXXXX XXXX XXXX OVERDRAFT CREDIT {$50.00} were covering the total of the overdraft Having all credits in a bucket, Wells Fargo considered all this money as part of the Ballance transfer and not for Overdraft. This way, after 3 month from that time, I still have a ballance of cash advanced of {$52.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of XXXX, XXXX & XXXX of XXXX to access the " free '' dispute option on the Experian and XXXX websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access XXXX and initiate the process. This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with XXXX do not update this account delete immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX Continues reporting information more than 30 days after investigation of debt verification XXXX , XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Product: Debt collection

Wrote companies on XXXX, XXXX, XXXX, XXXX, and XXXX, informing them that these accounts are not mine and requested that the original contract with my wet signature and date be sent to me, and I have not received them. I also discovered that neither company is authorized to collect in the state of Florida. 

Companies that are wrote : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I am sending this letter to inform you that on XX/XX/XXXX at approximately XXXX I called XXXX ( XXXX ) XXXX to speak to the fraud claims department regarding my accounts. I was lead to believe this was to whom I was corresponding to for the entire duration of which began at XXXX, and ended at XXXX XXXX. During this time I spoke to two representatives, one male & one female, to which I fully disclosed all information requested, and in great detail. At least I did so as much as one can detail two transactions in a 178 minute time frame. I was not only told, but " assured '', " guaranteed '', " promised '', to list a few of the words used, that this claim # XXXX & # XXXX would be fully resolved upon calling the next morning. Infact, its documents. Evidenced by the following representative 's narrative. On XX/XX/XXXX at approximately XXXX I called+XXXX  ( XXXX ) XXXX pursuant to the instructions given to me. Upon calling twice more, I was given different information, with out any explanation that would vacate or contradicting the information given to myself the previous day from the same department. Infact, my questions regarding account activity, obtaining fully disclosed reports, ways in which my information has and is being used, and the reason for requiring the information asked, are still unanswered. This being despite my efforts. I have much enjoyed being a Wells Fargo customer since XXXX, having utilized Wells Fargo educational services. In regards to my most re cent experience, my privacy & involvement in how my private information is used is very important to me as well as how I feel I am being treated from the entity I have chosen to do business with. As such, I do not appreciate this deceptive manner of conducting business nor do I accept being manipulated in any fashion. This problem specifically concern the below departments : Fraud Claims Debit Claims Online Claims.

In addition my ledger and Statement is not accurately stating information. After multiple, multiple attempts to explain this, even with hard copies as proof, I am treated a 3rd class citizen.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX XX/XX/XXXX -- {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5000.00}
Product: Mortgage

The company was once Washington Mutual and is now J.P. Chase Mortgage. May years ago, my mom and I were talked into a Home Equity Loan as a means to reduce my mortgage payment. This was deceptive and as a result, I have been making payments and none of the payments have been going to the principal. Therefore, I still owe the same amout many years later. 

I do undertand that there have been multiple successful complaints lawsuits through FDIC, XXXX, US Court for District of Columbia and US District Court for the Northern Georgia Atlanta Division.

Many people have been relieved of the mortgage debt and I'd like to be one of them. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to contact the bureau in order to correct the eroneous items on my credit report. I have either not received a response within 30 days and most recently it has been over 60 days without a response or the items have not been investigated due to the fact the dates did not update. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have not been filed and the bureau refuses to correct or send proof of these accounts belonging on my report. It is not fair that I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.