23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Student loan

1. I did what Navient said to do, write on a piece a paper on which account you would like to make a payment to-instead of the normal payment, I wrote the amount the check number and wanted to pay off one of the loans in my consolidated loan. So I did, then got a statement showing Navient put the money towards both the loans, I called them not once but twice and talked with a manager they said they were sorry and that I would not have a payment until XX/XX/XXXX. 
2. Just received a letter for forbearance, which I did not request, I called immediately this evening and found out that a customer service agent did this, then XXXX the other service agent said the other service agent made a mistake. l asked her to send me a corrected letter and made sure that my loan, and my fixed interest stayed the same. 
I have had this loan for about 15 years it has been sold and bought many times, this is the worst company, I would like a different service provider.
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 XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attorney 's office, XXXX XXXX XXXX, and the original creditor, Capital One, are not accurately reporting the original balance on my credit report since the charge-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. I filed a Identity Theft Affidavit with Transunion, XXXX and XXXX. Their is a Bankruptcy on my Credit File that should not be there as I have never filed for a Bankruptcy. 

XXXX removed the Bankruptcy however Transunion and XXXX refused to remove it, AND ITS REPORTING " TWICE '' AS A DUPLICATE. 

I contacted the Court and they informed me that they do not have a Bankruptcy that matches my ID. 

They also informed me that they do not and did not report to any Credit Bureaus because the Court does not report to the Credit Bureaus. 

HOW CAN XXXX REMOVE THE BANKRUPTCY AND TRANSUNION AND XXXX DO NOT????
Product: Checking or savings account

This is an addendum to my previous complaint. I have been on the phone dealing with the fraud department and all their shifting me from one department to another. The upshot of all this was that no matter what I did they would not be able to make the transfer to my other bank, they could not close the account and send me the money. The REASON that the transfer was rejected was that THEY could not verify that the account was owned by me ( even though I identified the minor deposits and withdrawal that they did to verify my account ). I called the other institution and verified all that they said Chase couldn't. I suggested many times that if they wanted to verify my ownership of the account, I would be willing to have a three way call with the other institution in which I could give them my bona fides and they could then verify with Chase that I was the owner. They stated many times that this could NOT be done, even though one of their employees in technical support suggested it and bounced me back to the fraud department. Even if I resubmitted the exterior account and went through the verification of minor deposits and withdrawals, I still would be rejected. I asked them to send me a cashiers check, but they could not do that over the phone. The only option they gave me was to drive hundreds of miles to a Chase branch and take out a withdrawal. THEY ARE HOLDING MY MONEY HOSTAGE!
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XXXX at XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I, SENT EQUIFAX A NOTICE OF LIABILITY TO BLOCK AND REMOVE ALL INACCURATE AND INCOMPLETE INFORMATION BEING REPORTED ON MY FILE DUE TO IDENTITY THEFT, ALONG WITH MY FTC IDENTITY THEFT REPORT, OUTLINING MULTIPLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681c-2 ( a ) A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS. IT HAS BEEN PAST 4 BUSINESS DAYS, AND EQUIFAX HAS FAILED TO BLOCK THE REPORTING OF THE UN-AUTHORIZED ACCOUNT ( S ) IN REFERENCE THAT ARE STILL FRAUDULENTLY REPORTING ON MY FILE, WITHOUT PROVIDING ME WITH THE DOCUMENTARY EVIDENCE THAT WAS USED TO MAKE SUCH LEGAL DETERMINATION, TO CONTINUE TO FRAUDULENTLY REPORT INACCURATE AND INCOMPLETE INFORMATION ON MY FILE. PER 15 USC 1681b ( a ) ( 2 ) EQUIFAX HAD NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE I, NEVER GAVE THIS AGENCY MY WRITTEN INSTRUCTIONS TO FURNISH A CONSUMER REPORT AS THE CONSUMER. I NEVER GAVE THIS AGENCY MY WRITTEN CONSENT TO REPORT THE ATTACHED LISTED ACCOUNTS ON MY CONSUMER REPORT. EQUIFAX VIOLATED COMPLIANCE PROCEDURES PER 15 USC 1681e ( b ) ACCURACY OF REPORT AND FAILED TO CORRECT THE RECORD. EQUIFAX IS NOW WILLFULLY NON-COMPLIANT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

Hi, Ive been writing letters to the consumer reporting agencies office since XXXX concerning these 3 unfamiliar accounts they've added on my credit report. 

XXXX XXXX  Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX Please know that this XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Account # : XXXXhas long been deleted in XXXX and XXXX  side but Equifax still shows this in their record. I'm not also familiar with those other two accounts. Kindly help me in the removal of those accounts.
Product: Mortgage

First of all, i received my phone call from my hazard insurance agent about our annually insurance not yet been received. I contacted Shellpoint ( my mortgage servicer ) and customer service agent told my payment was sent out on XX/XX/year>, BUT not yet received by our insurance agent. At the same time, customer service agent told me that there is " extra money '' of {$9600.00} on escrow account which is supposedly to pay to XXXX XXXX XXXX and hazard insurance. This is how we found out our property tax wa n't not pay in the whole XXXX Year. 

I spoke with Shellpoint Tax Dept., on XX/XX/year>, and open a case which will take about 14 days maximum to investigate. I insist Shellpoint to expedite our tax to pay to XXXX XXXX because i don't want to have any delinquency on my credit history which will effect me in the future. Just frustrated their incapability of the mortgage servicer not able to do the right job. Any dispute/penalty/delinquency shouldn't be on my as a home owner. I have another property in city of XXXX for last 10 years and NO late mortgage payment nor proper tax payments are never LATE. 

Personally, i will visit my XXXX XXXX XXXX office to advise them about this situation. All my fund for property tax are tied up with Shellpoint which still under " investigation ''. 

P.S. As of XX/XX/year>, my insurance agent still hasn't received my XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies Volenti Nonfit Injuria and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX  # XXXX Please Delete from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , USCA-02-C-0072, 7th Circuit Court , XXXX XXXX. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 
Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any and all obligations of your reporting bar none. 


Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Late Payment Date : XX/XX/XXXX Late Payment Date I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for accountXXXX to report ON-TIME and/or CURRENT payment in XXXX. 
If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Product: Debt collection

Looks like a zombie debt purchase. They are trying to collect for a subscription to a water service which we did not have, and certainly did not authorize at the time of the collection date. I requested proof of debt, I've never received it because the debt is older than what they state it is. I disputed the debt a long time ago ; they just rubber stamped it as valid without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX  XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Subject : Second Dispute Regarding Inaccurate Late Payments Dear CFPB, I am writing to follow up on a previous dispute regarding inaccurate late payment information reported on my credit file for the XXXX XXXX account ( Account # XXXX ). Despite submitting my initial dispute and your agency 's completion of an investigation, the inaccurate information remains unchanged. As such, I am requesting a detailed description of the investigation process, as required under the Fair Credit Reporting Act ( FCRA ) 15 USC 16811 ( 7 ). 
Disputed Information : The following account contains inaccuracies in the reporting of late payments that are inconsistent with my payment history : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : XXXX XXXX XXXX, Equifax Type of Account : Real Estate Mortgage Specific Errors Identified : Late Payment Reporting : Equifax XXXX Reports a 30-day late payment in XX/XX/year>. 
XXXX and XXXX : Report a 30-day late payment in XX/XX/year>. 
Status Discrepancies : The account is marked as " Closed '' and " Paid, '' yet late payments are reported without any supporting evidence. 
Remarks : Conflicting and vague comments across bureaus, such as " XXXX XXXX account '' ( Equifax ) and " Closed '' ( XXXX ), do not provide clear information on the status of this account. 
Impact : These inaccuracies directly affect my credit score and do not reflect my financial responsibility. 
I have attached my credit report with highlighted discrepancies for your review. 
Summary of the Issue : To the best of my knowledge and records, I have consistently paid this account on time, in accordance with the terms of the agreement. The reported late payment in XXXX XXXX XXXX XXXX is incorrect and must be removed. I am also requesting clarification on why this error persists despite my initial dispute. 
Legal References : Under the FCRA : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports should not contain inaccurate information related to transactions between the consumer and the data furnisher. 
15 USC 1666 ( b ) : Procedures must be in place to ensure periodic statements are mailed no later than 21 days before the payment due date. 
Requested Actions : Conduct a reinvestigation of this account and provide a written description of the process used to verify the reported late payment. 
Remove all inaccuracies from my credit report and update the account status to reflect Paid As Agreed Never Late.

Provide documented proof supporting the reported late payment, including specific dates, amounts, and correspondence. 
If you are unable to validate the late payment, I demand that the inaccurate information be corrected immediately. Please note, failure to rectify this matter within the legally mandated 30-day timeframe will constitute a violation of the FCRA. 
Thank you for your prompt attention to this matter. I expect a resolution in line with the FCRA and a written response regarding your findings. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an accounts that I was never late for Consumer Reporting Agencies have assume a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : DPT EDXXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Money transfer, virtual currency, or money service

Was contacted by someone via text claiming to be looking for friends who turned out to be a crypto currency scammer. They XXXX  me to gain my trust before suggesting I try short term crypto trading with them. They referred me to a fraudulent crypto platform to make trades on and convinced me into sending a total of approx. {$9000.00} worth of XXXX cryptocurrency to the fraudulent platform via my coinbase account. We would make " trades '' and it appeared my portfolio was increasing. I started becoming suspicious once the scammer continued to relentlessly try to convince me to trade larger and larger sums of money. I found out about something called a pig butchering scam online and became suspicious I could be a victim of something similar.

I then tried to withdraw the funds from the fraudulent platform the scammer referred me to, at which point I received a text message stating I had to pay a withdrawal fee of 50 % of my account balance to withdraw my crypto funds. At this point it was abundantly clear the platform was fraudulent, so I did not pay the withdrawal fee. My money has been in the possession of the scam platform ever since. The scam platform was called XXXX
Product: Credit card or prepaid card

My MERRILL+ Visa Signature card was used to set the autopay, but I don't know why it doesn't apply this time, and BOA charges me {$0.00} interest on XX/XX/XXXX even though I paid the statement balance as soon as I notice this problem. I don't think I should be responsible for this interest charge since all my accounts have set up the auto-pay before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has repeatedly reported inaccuate information that has negatively impacted my credit reports and scores. The Company failed on numerous occasions to VALIDATE debt from XXXX  XXXX XXXX. The Companys website lags tremendously, and I am no longer allowed access to dispute forms. The Company also has continued to report accounts ( XXXX, XXXX, XXXX, ). These accounts were successfully disputed after being sold to XXXX XXXX and XXXX XXXX XXXX. Transunion has yet to remove the accounts from my credit reports.
Product: Checking or savings account

TradeStation is falsely claiming that they are unable to withdraw my funds to my linked bank account XXXX XXXX XXXX XXXX XXXX. I have had this bank account for over a decade and I do weekly ACH transfers. There is absolutely no reason why my withdrawal / transfer request should not be processed. 

Because TradeStation falsely claims they were unable to process the ACH transfer / withdrawal of my funds, I was informed over chat by TradeStation that they have DISABLED ACH transfers for my account. 

All of this is unacceptable. I want to withdraw my funds from my account into my bank account immediately. 

Furthermore, there should be {$610.00} in my TradeStation account but when I checked my account balance after this " issue '' started, it is currently showing me a {$580.00} balance. I don't understand what is going on. The ACH " SmartTransfer '' ( ACH ) issue is on TradeStation 's end. It's the same bank account that I have used for over 10 years, every week for transfers, I have never had a failed transfer. There is an issue on TradeStation 's end. 

I reached out to this company multiple times and they did not provide any help or resolution. Nor were they understanding at all.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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: Debt collection

CB/indigo is a credit card company on my credit report even though the debt says paid on my report this is a fraudulent report. I have never applied for or owned a CB/indigo credit card before. I am asking for this report/collection to be removed off of my XXXX credit report. The report number is XXXX.