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 1681. 

XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # 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 an 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: Payday loan, title loan, personal loan, or advance loan

I applied for and accepted a {$7000.00} loan from Upstart in XXXX of XXXX. The loan was to be paid off in XXXX  years, for roughly {$140.00} per month. For almost XXXX years, Ive made on time payments with no issues. My loan due date is the XXXX of every month, for reference. 

In XXXX of XXXX, I was a few days late paying my loan, but paid it within the grace period and with no late fee, thank goodness. 

In XXXX of XXXX, I again was late paying my loan. I believe Upstart credits you a late fee after XXXX  days. XX/XX/XXXX, a late fee was added to my account. 

On XX/XX/XXXX, I paid my XXXX payment, but not the late fee. I paid the late fee on XX/XX/XXXX, still within XXXX  days of it being posted to my account. 

Now in XXXX, I log in and see my credit has taken a huge hit. I called Upstart immediately to figure this out, as I had made every payment within XXXX days of it being posted, to avoid anything being reported to credit bureaus and to remain in good standing. 

I had to call back multiple times, as nobody I spoke with could give me the information I was requesting. I asked what was reported as late, and XXXX person told me the XXXX payment, another told me it could have been the XXXX payment. Their customer service was deceptive and evasive, not giving a straight answer. 

After XXXX calls, I was able to connect with a representative that gave me an answer. She said that the late fee for XXXX needed to be paid within the XXXX cycle, as in before my XX/XX/XXXX payment came due. 

This late payment was reported as late to credit bureaus, causing immense damage to my XXXX XXXX. There is no way that a {$15.00} late fee counts as a late payment, and was paid within XXXX  days.
Product: Mortgage

My Mortgage was initially held by XXXX  XXXX  then sold to XXXX  XXXX  and then to XXXX XXXX  and then to XXXX XXXX. I was never informed my loan had been sold from XXXX to XXXX and kept paying XXXX XXXX  who collected the money. In XX/XX/XXXX I received a certified letter from XXXX saying I was in default and immediately paid three payments but they had already sold my mortgage to Bayview. I have paid the mortgage each month but Bayview states that I have not paid for XX/XX/XXXX. When I first called Bayview they said I owed XXXX dollars and then I was current. I paid the amount at that time. Now they are saying I am late for a payment even though I provided documentation that I had paid every month. XXXX reimbursed some payments but did not return all the payments I had paid them. Bayview says XXXX did not pay them the correct amount. I requested a transcript of calls with Bayview which they have not produced, I have also requested an answer to the documentation sent to them showing the payments I have made to all these companies and have received no written response. I am speaking to their escalation department again requesting and they are now saying that I requested a transfer from my escrow account which I have not made.
Product: Credit reporting or other personal consumer reports

I kindly request the removal of this late payment from my record as it does not accurately reflect my payment history, and I have consistently met all my financial obligations on time.
Product: Checking or savings account

the checking account has fraudulent activity that an altered check was cashed and fund withdrawn fraudulently. The case has been opened with the bank and police. The bank still has not returned the fund after one month and still not ETA. the amount is around XXXX dollars which can cause issue with paying monthly expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of hard hits on my credit that I have no clue How they got there or gave permission
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- PERSONAL ACCOUNT XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Checking or savings account

On XX/XX/year>, the Goldman Sachs Bank USA froze my online savings accounts without any prior notice or explanation. 

After many phone calls and many days the Customer Service and Security Departments permitted one withdrawal and told me they had corrected the problem.

After more than 16 phone calls to them and repeated statements that the problem would be solved, I still can not withdraw money from my savings account as of today, XX/XX/year>. 

The Bank is violating, in my opinion, Federal Banking Law and Consumer Protection Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX allegedly purchased a contract that i previously had with an auto dealer they refused to send proof of purchase and refused to show anything to show they owned it and the dealer lied about who they were originally, i never gave THEM my ssn, I have no idea how XXXX got it ans because of the amount of money the dealership charged me they didnt need my social nor was reporting to the credit bureau prior to XXXX purchases the account so this us identity theft and disclosure of my information to a 3rd party which is AGAINST LAW 31USC SS 3123,
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting a complaint about the Equifax hacking. The company kept my personal details in a non-secure form, allowing outside parties to obtain the information. It would appear the company did not take the proper precautions in order to protect my information, and from the reports, did not even attempt to. The hack occurred months ago, ( XX/XX/XXXX ) and has just been reported this month ( XX/XX/XXXX ).
I have already checked my credit report, and have taken the proper precautions that I am able to take on my side, but the fact remains that Equifax did not properly handle my information - whether on purpose or completely negligent.
Product: Consumer Loan

I went to a dealership on XXXX/XXXX/15 and chose a car from the few that he was willing to work with me on. He told me i had to put some sort of deposit down in order to even HOLD the car so no one else would purchase the vehicle. He also stated that he would not cash the money order until i brought the other portion of the down payment as well as the dealer services of {$99.00}. 

Less than a week later on ( XXXX/XXXX/15 ). I have realized that i can not afford to get that car as it is a luxury vehicle and way out of my price range. I called the dealer and he told me that he had deposited the money order on XXXX/XXXX/15 and i would have to wait for this to clear the bank. 

I then called the bank and was informed that the money order had actually been cashed on XXXX/XXXX/15. He refuses to have a professional conversation with me over the phone and refuses to refund my money. 

I have not signed a finance agreement or contract or anything of that matter. I do not have a car. I have nothing to show for what is going on other than the receipts and the blank page that he sent me home with to get references for this deal.
Product: Debt collection

Current Creditor : Phoenix Financial Services LLC XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of XXXX XXXX : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, XXXX XXXX XXXX XXXX had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXXXXXX XXXX   XXXX is not owed this money hence the dispute. 

However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint. 

Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXX XXXX XXXX {$770.00} XXXX XXXX {$490.00} 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE IS ONE ADDITIONAL ACCOUNT THAT IS REPORTING LATE PAYMENT HISTORY WHICH IS IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my credit report blocked and continue to tell me they do not. I placed calls to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after multiple attempts to sign up for third party credit monitoring through XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Equifax during each call insisted my account was NOT blocked at all. Well, on Saturday XX/XX/XXXX I received an email from XXXX XXXX XXXX advising me that Equifax denied the request for monitoring which resulted in my having to cancel my account with XXXX XXXX XXXX. Then on Monday, XX/XX/XXXX I received notification from XXXX, via my Equifax credit report that there is a block on it. I am furious that multiple phone calls resulted in me being lied to. That is insulting and a waste of time! It 's bad enough you have caused MILLIONS of consumers grief with yet again ANOTHER system hack, but you lie to me when I asked a simple question. I consistently have to go back and forth with you on inaccurate data on my credit report, now you jokers have the audacity to block my file WITHOUT my permission. If this block is n't removed I will proceed with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a letter to XXXX XXXX to have my address updated to my current home, I have asked the company to send me there verification paperwork as to all collection accounts on my credit report and continue not to receive anything from them. If no accurate verification paperwork is presented where I signed please have it deleted off my report. I have asked this for the past seven months and Experian continues to neglect my wishes and keep reporting inaccurate information. XXXX  in less that thirty days complied and with verification deleted every item reported wrongfully on my credit report. AlI I ask is for XXXX XXXX to do the same, evidence will be attached. I can not establish any new credit with all the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband, XXXX XXXX, and myself have tried several times to correct an issue over the phone and through their Dispute process for Evergreen Home Loans. Evergreen Home Loans placed the loan in Forbearance for my daughter after loosing a job from COVID. Evergreen made a mistake of reporting the payment late when the loan for in Forbearence. They sent in a correction and XXXX and XXXX corrected it after much pressure. XXXX refuses and keeps making me supply more evidence that Evergreen Home Loan made a mistake. Evergreen Home Loan claims they have submitted several creations for all four names on the loan and there is nothing more they can do. So I turn to you to help me get XXXX to fix the issue.
Product: Credit card or prepaid card

On XX/XX/XXXX an order was placed online on my XXXX XXXX account for the amount of {$940.00}, which was not done by me. I called immediately to report this charge and spoke to the fraud department. I was told my card would be cancelled and I would be issued a new one, which was done. I was told that the charge would be removed during the investigation process. I received a letter from XXXX XXXX   asking for what happened along with a copy of my picture ID. I mailed that back. I called XXXX XXXX and my correspondence was received on XX/XX/XXXX. I started called XXXX XXXX in XXXX because the charge is still on my account and due to the charge my monthly payment is higher and the interest being charged is also higher. I have called numerous times trying to get this issue resolved because I shouldn't have to pay a higher monthly payment and higher interest rate for something that I did not purchase. I keep getting the same response that it is under investigation. I was told the second time I called that it takes 7 to 10 business day. I called today XX/XX/XXXX and was now told it can take 90 days. During this time I still have to pay for this fraudulent charge, which should not be the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is stonewalling consumers attempting to place a credit freeze.The other 2 allow a freeze to be placed online virtually hassle-free. Equifax delayed for a week to send a verification code by 1st class mail. They then still demanded a phone call. I refuse to waste my limited minutes and incur an additional expense. I've had problems with this awful co. in the past. They illegally placed a bogus claim on my wife 's report, and it took the threat of a lawsuit to get it removed. I wonder if that's why they're giving me such a hard time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's accounts on my credit report that I don't recall having knowledge about. I would like to have them removed as soon as possible indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated 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 that a consumer reporting agency can no furnish an 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 or other personal consumer reports

My wallet was stolen during a football game in 2019, that included my driver 's license and social security card. I made a police report right after and was advised to place a fraud alert on my credit. I recently obtained a copy of my credit profile and noticed an account and credit inquiries that I have no affiliation with or knowledge of. I reached out to the XXXX XXXX XXXX requesting verification and that these inaccuracies be removed from my credit profile. Furnishing this account and information to my profile is in violation of 15 USC 1681, not only have I not given any permission or written consent, but fraudulent accounts are being reported on my profile due to identity theft. The impact this account is having on my credit profile is preventing me from accessing new line of credit. The creditor that I have no knowledge of that's reporting to my profile is, Resurg Coll. I also noticed a series of inquiries from XXXX XXXX  that I never authorized.
Product: Checking or savings account

Back in XX/XX/XXXX I closed my accounts with Wells Fargo completely. I have an email from XX/XX/XXXX stating my account ending in # XXXX had been closed effective XX/XX/XXXX. I now keep getting reoccurring emails about the balance of my account ending in # XXXX. I never had an account ending in # XXXX ONLY # XXXX. 

I never gave permission to keep an account or open a new account. I have closed all my accounts with Wells Fargo in person with local Wells Fargo branch. 

I have every email up to the present month of statements for the new account and I can provide proof of them if needed.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Resolution and Compensation for Illegal Reporting Practices and Resulting Harm Complaint Details : I am filing this formal complaint regarding the blatant disregard of consumer protection laws by credit reporting agencies and/or creditors in their continued reporting of inaccurate and unlawful information on my credit report, specifically related to : XXXX, Account # XXXX, and the alleged late payments unlawfully listed. 
This ongoing and illegal reporting of alleged late payments has caused undue harm to me and my family, both financially and emotionally. The failure to comply with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws has directly resulted in : Stress and mental anguish : The repeated denials for credit have caused significant distress as I struggle to provide for my familys basic needs. 
Inability to secure necessary household resources : Due to the negative impact on my credit, I have been unable to obtain financing or approval for essential items such as housing, transportation, and utilities, creating undue hardship for my family. 
Defamation of character and financial reputation : The inaccurate reporting of alleged late payments has tarnished my credit history and financial standing, impacting my ability to live with dignity and security. 
Resolution Demanded : To resolve this matter, I demand the following : Immediate and permanent removal of all inaccurate and unlawful entries, including the alleged late payments tied to XXXX, Account # XXXX, from all credit reporting agencies. 
Written confirmation that my credit report has been corrected and is now accurate and in full compliance with the law. 
Compensation for the harm caused by this blatant disregard of the law, including but not limited to : Emotional distress : Compensation for the mental anguish and stress caused by this issue. 
Financial damages : Compensation for the inability to secure necessary household goods and services, as well as any fees or higher costs incurred due to the inaccurate reporting. I am seeking compensation in the amount of {$25000.00} for the cumulative harm caused. 
Should this matter not be resolved promptly and satisfactorily, I will escalate my complaint to other regulatory agencies, including the Federal Trade Commission ( FTC ) and state attorneys general, and pursue legal remedies to ensure my rights as a consumer are fully upheld. 

I trust you will treat this matter with the seriousness it deserves and respond promptly to address this issue and provide restitution. 

ATTACHED IS FTC AFFIDAVIT Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX - XXXX. XXXX5 USC 1681 Section 602A, states I have a right to privacy. 15 USC 1681 Section 602A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 ( a ) ( 5 ) Section 2, 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 conviction of crimes which outdates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency the person knows or has reasonable cause to believe that the information is inaccurate.