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

I entered into consumer credit transactions on various dates with the below listed accounts. I used my credit card ( Social Security Card ) defined under USC 15 1602 ( i ). XXXX, XXXX, and Equifax then furnished a report including these consumer credit transactions that stemmed from my credit card ( Social Security Card ) which should be excluded from the consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). XXXX, XXXX, and Equifax all are in violation for furnishing a report including the below listed account that were intimated with my credit card ( Social Security Card ).

XXXX, XXXX, and Equifax are also in violation of 15 USC 1602g, for reporting late payments on my consumer report when a finance charge was included in the consumer credit transaction they are reporting late payments on which should be the sum of all charges and a " late payment '' is not defined in the Fair Credit Reporting Act due to this fact. 

XXXX, XXXX, and Equifax were not given written permission to furnish a report on behalf at any point and if they were they have been unable to produce proof of this matter. These reporting agencies are only allowed to report what I Gove written permission to them to report and I have not given this permission! The consumer reports they have furnished on my behalf are unfair and they have caused damage to my reputation and ability to receive necessary credit to thrive and move the financial system forward! 

Account in violation : 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

I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH SANTANDER BANK IN XXXX AND IN FACT WAS IXXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX and 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, credit repair services, or other personal consumer reports

HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS. ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE.I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNT THAT I HAVE NOT RECEIVED. I HAVE DISPUTED 2 TIMES. ALL THREE BUREAUS ARE IN VIOLATION ON 15 USC 1681B. XXXX XXXX XXXX {$27000.00} I HAVE BEEN DISPUTING SINCE XX/XX/2021 ACCOUNT NUMBER- XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion through a 3rd party that they were not reporting my XXXX XXXX credit card properly and the amount listed was wrong. Transunion took the card off my account and did not correct the problem when contacted they said they can not put it back on my account because I was a secondary user. This card I have been used for over 6 months and have been paying the bills on it. When I contacted XXXX XXXX they said they gave it to Transunion and Transunion refused. This has affected my score, while other bureas have me at XXXX, Transunion has me at XXXX which is terrible. I want them to correct this and put the XXXX XXXX card back on my credit report
Product: Bank account or service

I was open a checking accunt in PNC Bank since XX/XX/XXXX and evry thing it is good and I pay my bills and work normally, but XX/XX/XXXX I was surprised that the bank want to closed my account, I asked them about the reason of that no one answer me,!!! after that I open new one in XXXX Bank and evry thing good too, but XX/XX/XXXX I received a letter from this bank that them need to close my new accont too!!!! and I asked them the reason and the same thing no one answer me!!!! Please help me what is wrong?? what I did? and I doing now?!!
Product: Mortgage

We applied for forbearance during The pandemic and now Im trying to get a loan modification. I was sent a letter last week saying that I was declined due to that I didnt have paperwork showing hardship and that the house will be foreclosed on XX/XX/22. I have not received any formal letter from the mortgage company, I was verbally told over the phone. I thought with the Cares Act they could not use the forbearance total to foreclose on your house. I was not given any other options but a modification loan. I have equity in the house that will cover the {$27000.00} that Im behind in. I have made the last 4 month mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple accounts and questionable items on my credit report. the items that are listed on my credit account shows different balance and dates which are not matching and have not received back anything in over 45 days for these accounts that are clearly inaccurate accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/XXXX 
XXXX The following information is being reported incorrectly. 
Date of last activity shows 3 different dates, and it shows that two different companies owe the same amount. With two different balances. 
XXXX XXXX Shows two different original creditors that are not matching. 
XXXX XXXX shows account status open and the other say closed that's inaccurate. information XXXX shows 3 different dates XXXX shows 2 different balances XXXX XXXX 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. 
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.
Product: Debt collection

Not only is this debt potentially not even mine.I have filed a dispute for this debtit is ON MY CREDIT REPORT and it says XXXX XXXX ( XXXX ) is whom is owed. I DO NOT KNOW WHAT OR WHO THIS IS. I get phone calls on early mornings during work and late nights and weekends.for again a debt I have never heard of and it appears XXXX  and has impacted my XXXX XXXX to the tune of XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

Ref : Filing Fraud Complain against Synchrony Bank Dear Sir/Madam , Despite my repeated request, Synchrony Bank XXXX XXXX Synchrony Bank has refused to settle my fraud complain for over XXXX year. Below is the brief description of the issues : XXXX. Synchrony Bank, along with its vendor XXXX XXXX, financed and installed a HVAC system in my home. 
XXXX. XXXX financed this for XXXX years with a monthly payment of {$300.00} which would have paid off the total loan amount of {$7200.00} in XXXX years XXXX. I was told on the phone that this loan was interest free XXXX. I was paying {$300.00} per month which would have paid off my loan in XXXX years. 
XXXX. My investigation revealed that the Synchrony Bank staff unilaterally reduced my monthly payments to {$170.00} per month after the first year. 
XXXX. Subsequently, they sent me the new bill with interest payment claiming that I didnt pay off {$7200.00} in XXXX years. Therefore, I must pay the interest. They said that was the agreement. I never agreed to any thing like that, nor I signed on any written agreement 7. I have repeated asked Synchrony Bank to provide me the written agreement. They said they cant find any written agreement. This is because they never intended to provide one. I never signed off on the interest terms claimed by them 8. I have asked Synchrony Bank to settle this issue amicably. They have never responded to my request in writing.

9. Please review the attached documents sent to Synchrony Bank by me at three different dates. 
I request that your office kindly investigate this issue. I believe Synchrony Bank has engaged in the fraudulent practices with my account. I wouldnt be surprised if they are doing the same to other consumers.
Product: Credit reporting or other personal consumer reports

I Have contacted the company several times and was given a balance and proof. They will not report to credit bureau to have removed since last year. I have disputed this and it comes back verified which is not the case so it still remains
Product: Credit reporting

There is a withdrawn Federal Tax Lien still showing on my report that was withdrawn in XXXX 2016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS release form XXXX that has been stamped and signed by the County Courts. I have attached a copy of this form with all court seals and sign off. Equifax continues to improperly report the liens and refuses to recognize the withdrawal which is against the law. The other CRAs ( XXXX and XXXX ) removed the liens from my credit report immediately.
Product: Debt collection

( Credit Bureau Systems ) at ( po box XXXX XXXX, KY XXXX ) has been sending me collection notices in the amount of ( {$170.00} ) the collection opened XX/XX/2017 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to FCRA 15 U.S. Code 1681i, I am requesting that XXXX not furnish any information about me concerning my credit file. I believe the information for Bank of America, Account Number XXXX XXXX XXXX is a result of identity theft ; thus, please stop reporting information about me to consumer reporting agencies. 

Please be advised that I am a victim of identity theft. My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of Bank of America, Account Number XXXX XXXX XXXX. 

As has been noted, an investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, XXXX XXXX did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. XXXX XXXX employees are no more than data entry clerks in the dispute and investigation process. XXXX XXXX did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors. 

I am requesting that all information about me and my accounts remain private. I want my name, address and credit data excluded from your marketing lists. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX
Product: Checking or savings account

Ive approached Huntington Bank Located in XXXX Illinois over XXXX times by going inside the branch and called numerous of times more then XXXX sadly .... Huntington bank is holding my funds and will not release my hard earned money. This is illegal seeing HOW NO OVERDRAFT BALANCE IS THERE. Huntington has No right or legality to keep my money when none is owed to them and The balance can be payed down. I had 5 accounts with Huntington, The accounts have a positive balance from DIRECT DEPOSIT FROM MY JOB this proven direct deposit always comes to this bank and the rest of the money in all XXXX accounts belongs to me also I AM THE OWNER. I need to be able to walk into Huntington Today and withdraw my money. XXXX I would like you to EXCLAMATORY push to Show the laws of the people to Huntington immediately enforcing them to release all funds to me if none owed and Id like you to push the notice that IF NOT I WILL SUE AS FAR AS LEGAL LAW ALLOWS. Please help me get Huntington Bank to release all funds positive to its owners
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX is govern by 15 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXXXXXX 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

I looked at my XXXX credit report on XX/XX/year> 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 ( 5 ) 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, 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 {$31000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX CARD SERVICE with ACCT # XXXX opened on XX/XX/2015 with a balance of {$31000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX  Balance : {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XXXX of XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, TX to XXXX Georgia in XXXX, XXXX. I have NEVER attended ANY schools in Oklahoma period. 

XXXX XXXX, XXXX, My Mom received a notice from XXXX Oklahoma Student Authority, XXXX Central XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, OK XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.
Product: Checking or savings account

I only received notice my Credit Karma spend account was frozen and to contact customer service and Credit karma only tells me they escalate the issue to a special team that will reach out through email, and they never have and when I call them they tell me I cant speak with anyone else about the account and they will leave a note.
Product: Checking or savings account

Citibank closed my account for absolutely no notice at first they told me that I had money deposited then they told me the money was fraud and didn't deposit the money AND then they told me they denied the deposited money for {$500.00} and then AGAIN they claim I owe them {$200.00} why? I have absolutely no clue
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed complaint on XX/XX/XXXX regarding a late payment with XXXX XXXX and late payment is still listed XXXX XXXX Last payment XXXX, XXXX Account number XXXX View full complaint Previous case complaint # XXXX
Product: Mortgage

Citizens One of XXXX, RI, has fraudulently collected unearned interest 3 months in a row. After selling previous residence, I made large payments to reduce the loan balance. In XXXX I sent a check for {$200000.00}, along with the payment coupon for XXXX with instructions to apply the overage to principal balance. Instead, they took the XXXX payment, in addition to the XXXX payment. This included over {$700.00} in interest, even though interest due in XXXX amounted to less than {$50.00} because of the {$200000.00} check received on XX/XX/XXXX. In XXXX. I sent a payment for {$10000.00} for XXXX payment, and they repeated the mistake a 2nd time, charging me in advance for XXXX, including an inflated interest amount that did not reflect the reduced principal balance. The following month, the same thing happened, even though I had complained each time that I wanted the overage applied to principal and that I never authorized future payments to be withheld. Each time they did respond by reversing the payments they took in error, but they collected interest on the future payment as of the date the error was corrected, not the date the payment was first received. 

This scheme clearly is an attempt to collect unearned interest and to delay the consumer 's attempt to amortize more quickly. I challenged Citizens One on this practice and they did reverse most of the erroneously collected and misapplied amounts. I am a retired banker, but I feel this scheme might adversely affected a consumer who may not they can and should challenge this practice. I am retired and have the time to monitor erroneous activity and navigate corporate barriers. This company 's practice has the ability to cause harm to others who may not have some of the luxuries I have.
Product: Credit reporting or other personal consumer reports

I am sending to notify you that the following companies have made unauthorized inquiries on my personal credit report. I have listed the company names and the corresponding dates of the inquiries below. 

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

XX/XX/XXXX, Transunion and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Product: Debt collection

I set up a payment arrangement they called me after saying they deleted it and forced me to pay the full amount due. Because they said they sued me after they agreed to the payment plan they said the deleted my payment plan after they agreed and set it up with my card info.
Product: Credit reporting or other personal consumer reports

I believe that your company has violated provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( regarding validation of debts ) and 15 U.S.C. 1692c ( regarding communication restrictions ).
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX self inc XXXX Accounts are paid and I never received any opt out notice.
Product: Debt collection

They are scammers who took my information without informing me and signed up for their service, I contacted them many time but they are not picking the calls and now the number is not reachable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Debt collection

On XX/XX/XXXX, I sent a letter directly to Capital One Auto   Finance account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/2019 Capital One received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. They are still continuing to report this account on my credit reports and they do not have the legal documents to do so.