23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I setup recurring payments to pay down my credit card bill using their online automatic payment system intending to pay down my bill. Bank of America charged me a late fee every month I  made payments in increasing amounts. {$25.00}, then {$38.00} per month. 

After talking with a representative on the phone, they said my payments did not post on the right day. Monthly payment software system allowed me to make payments after due date. Payday loans also work in this manner. Allowing clients to post payments after the due date and adding late fees. There were also no phone contact with the company or messaging. I also explained that I have been a customer for 13 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT. 
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't being shared which is backed by15 USC 6801. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is a financial institution under the title 15 USC 6801. 15 USC 1681 section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and don't have my written consent. All consent to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never informed me of my right to exercise my non disclosure option. 15 USC subsection ( b ), 1681C ( a ) ( 5 ) states " Except as authorizedunder no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items, other than convictions of crimes which antedates the report by more than seven years. This account is an adverse account that you are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) a states " A person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. 12CFR 1016.7 states '' A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have requested multiple times the proof the accounts appearing in my report without me knowing.
Product: Credit reporting or other personal consumer reports

I want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 

XXXX XXXX  XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, 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 XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX ( XX/XX/2023 XXXX XX/XX/2023 )
Product: Debt collection

Navient reported to the credit bureau that my payments weee late which is false Because my loans were placed on forbearance at the time. They also put the incorrect amount doubling what is owed. I can not get a loan, rent an apt , or even buy a home because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( never provided by submitter ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Additionally, in accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to information being reported by the furnisher accurately and completely under Section 623 ( a ) ( 1 ) ( B ), Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number : ( never provided by submitter ) has violated my rights. Section 623 ( a ) ( 1 ) ( B ) states : If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I was never notified by the furnisher of this alleged account. The balance reported by the furnisher on XX/XX/22 states the balance is {$1300.00}, however a payment to XXXX of XXXX Florida was made on XX/XX/22 and the balance is only {$200.00}. I never received any written information from the submitter regarding this collection account. I sent an email to the submitter on XX/XX/22 to inform them the information reported is inaccurate, incomplete and therefore must be removed from my credit report immediately. I attempted to call XXXX and XXXX on XX/XX/22 and was told they are not responsible for accurately reporting information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through XXXX, Equifax, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. XXXX, Equifax, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.
Product: Credit card or prepaid card

In XX/XX/2022, I contacted Synchrony Bank and PA State Attorney General 's Office regarding the Adverse Action Synchrony Bank had taken against me by closing various accounts and/or lowering my credit limits, drastically. I informed Synchrony Bank of the damages they caused me by taking these actions and also gave them the opportunity to fix this issue prior to me filing a claim in Federal Court, as they have grossly violated my Federal Rights. A few weeks afterward, Synchrony Bank contacted me and refused to reopen my accounts. In their letter the stated, they are able to pull my credit whenever they want. I responded to them asking where was this information, and I also know that it is a direct federal violation to pull my credit without my consent. I also know that XXXX is in violation of Federal Law if they offer any updated information to a financial institution without my consent or request. 

On XX/XX/2022, I received an email from Synchrony Bank, that in a retaliatory action, they closed another one of my accounts. In the letter, they made mention of a credit score provided to them from XXXX. This was fraudulently done because I did not request my information be provided to them, nor did I authorize XXXX to release this information, nor did I authorize Synchrony Bank to pull my credit. In addition to, the term " credit score '' does not appear in any US Code or Statue, making this a fraudulently made up term on top of the fraudulent, unauthorized use of my social security number. Both parties were complicit in the fraud and discrimination against me, violating numerous rights outlined in the FCRA, CFR, EOC, Public Law, the Consumer Credit Protection Act and so much more. 

Synchrony Bank has a pattern of reviews related to fraudulent activity and consumer abuse. And XXXX also has a history of publishing unauthorized consumer reports.
Product: Debt collection

Wells Fargo account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with Wells Fargo but that was closed. Nothing owed. 
Could this be another fake Wells Fargo account - at a different level? The debt collection company name is : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect Wells Fargo Bank account number XXXX. XXXX file # XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Cb Indigo is reporting inaccurate information on my credit report on all XXXX bureaus. They are reporting the last day active different on each bureau and reporting the account late XXXX and XXXX of 2019 at the same time. They are not reporting accurate according to the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Services is reporting inaccurate/unvalidated information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Account Services has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Product: Checking or savings account

When initially opening account, Chase ( consumer bank ) held my direct deposit personal paycheck for several days. This caused a delinquency in bill payment. 
Today, XX/XX/year> they are also putting a personal transfer from my own savings account into my Chase checking account on hold. This will make delinquent and delay a mortgage payment. Despite spending an hour on the phone with their customer reps in each case, weve not been able to remedy this or the associated fees caused by their arbitrary holds. 
Neither transfer was near or in excess of the {$10000.00} limit. In the first instance, we were told this is a one time occurrence to ensure proper delivery of future payments given that we had recently opened an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is in reference to the information provided by the  Collection Agency   XXXX   XXXX   XXXX  in response to my most recent Complaint against the Agency ( #  XXXX  ; see attachments ) regarding the fraudulent debt assigned to it by  XXXX   XXXX   XXXX . I have attached t he USPS tracking inf ormation for Article #  XXXX , which the Agency alleges constitutes proof that I was indeed sent notification by the Creditor via Certified Mail of its plans to impose a claim upon my deposit, as required by Florida Statute  83.49 ( 3 ) ( a ) . Note, however, that this mailing was initiated on  X/XX/2016    -- or more than 2 months after the debt had been submitted to th e Credit Reporting Agencies -- in a blatant attempt to cover for the Creditor 's failure to comply with Florida Statutes well after the fact. As for the Agencys further allegation that Florida Statute 83.49 ( 3  ) ( a ) does not apply in situations where the tenant has " abandoned '' or " vacated '' an apartment, clearly the fraudulent notice sent by the Creditor via Certified Mail -- which must have been intercepted by the Creditor itself ( also a violation of Federal Law ) in an effort to prevent me from obtaining proof of its efforts to circumvent Florida Statutes, or else it would have been forwarded to me at my grandmothers residence, as specified in my change of address Confirmation -- is indicative in and of itself that Creditor is keenly aware that the concepts of " abandonment '' and/or " vacating '' are not applicable when the Courts have evicted a tenant and ordered the loca l Sheriffs Office to take possession of an apartment on behalf of the landlord, as the Collection Agency has freque ntly pointed ou t (  see attachments ).
Product: Mortgage

For over 20 month I was unemployed and I was behind with my mortgage. Original mortgage servicer was XXXX XXXX XXXX and the mortgage was transferred to Poundpoint Mortgage. 
XX/XX/XXXX I received a trial modification plan. 
I paid the trial plan on time XX/XX/XXXX when mortgage was modified. 
In accordance with Making Home Affordable program if the mortgage is modified the late payments shall be removed from the Credit Reports. 
Roundpoint Mortgage is still reporting my mortgage delinquent impairing my credit score and preventing me from getting credit. 
Roundpoint Mortgage is violating the clients wrights see the link below for victims XXXX XXXX
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. 
Account name : XXXX 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 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

So XX/XX/XXXX chase bank closed my account for suspicious activity.. 
I called and was told to go to branch to resolve issue..when I got to the branch a rep called their fraud department and I was told my account will be closed and I will receive my balance as a check in the mail after the account fully close in 10 days ... 

After 10+ days I called to check on my refund and was told that my account is under investigation I asked chase reps ( recorded convo for my own records ) if there is any specific transaction or details they need Im more than willing to assist. 

I was told the investigation was about my ACH {$500.00} & {$600.00} weekly deposits as they believe that funds is meant for someone else and not me I told the rep that that money was from my NYS unemployment benefits. 

I went to a local branch next day with my unemployment details including payment history with my name and last four of SS at the top. 
Branch manager & banker at location agree everything match and notified the fraud department. the documents were scanned and fax over to chase Rep over the phone accepted my proof and advised she will request for my funds to be released. 

Next morning I get a call from chase stating another department XXXX back office ) told them to hold off on releasing the funds until their investigation is complete however my proof will be taken into account..rep have no time frame.. 
Can be days, weeks, months or years. 

Fast forward I got a call from a rep from the executive office who said shell assist me in getting the funds released ... 

Few days later the rep left me a voicemail ( I have proof ) stating your funds have been approved for release and Im waiting on the final expense so I can send you a cashiers check I didnt hear back again so I followed up again with the executive office and was given a new rep name as my current file handler.

Yesterday I got another voicemail from this new person stating back office investigation is still ongoing so we can not release your funds & in addition theres no timeframe Now my concern is I start grad school next month and need the money to cover my tuition expenses Im willing to corporate and clarify any transaction chase bank have issues with however nobody is giving me a direct answer. 
The fraud department treat me like a criminal. 

I feel like they have labeled me guilty and I have to prove my innocence. 

If there is any other transaction in question Ill love to discuss that with chase reps other than that, I just want my balance ( my own money ) I feel like Im been discriminated against because XXXX XXXX, XXXX and from the XXXX. 

You close my checking acct & hold my funds but allow me to still maintain and use my chase credit card Someone please help me resolve this issue with chase Bank. It has been more than 30 days now
Product: Money transfer, virtual currency, or money service

PayPal has disable my account so I am no longer to access the dates of the transactions. I have access to the 6 fraudulent transaction amounts. 
1. XXXX 2. XXXX 3. {$1.00} 4. {$0.00} 5. {$34.00} 6. {$30.00} I was only made aware of these transactions when I received a letter from a 3rd party collections agency. I have never funded or used that PayPal account, I simply created the account and never used it. I found an old email stating that the email on my account was changed, so I wouldn't get any updates of the transactions that took place. PayPal never contacted me via my phone number on the account that my email was changed, that these suspicious transactions were taking place, or that I had incurred a negative balance. PayPal acknowledged this occurred and allowed me to submit a dispute/claim. Within 18 minutes of submitting this claim it was denied. It is impossible they actually investigated this claim in 18 minutes of receiving it. This is going to effect my employment as I now am in collections. I will continue to contact PayPal and the collection agency to remove this.
Product: Debt collection

I have a current complaint with you regarding Wakefield and associates. I have also disputed the debts with credit reporting agencies. 

In what appears to be retaliation for filing these complaints, Wakefield and associates increase the debt amount and continue to report false information to the credit reporting agencies. 

Wakefield and associates refused to provide me with any documents when requested but continue to try to " punish '' me for not complying with their extortion tactics. 

I further feel the credit reporting agencies are not properly investigating my complaint. If Wakefield and associates will not provide me with the requested documents are they providing it to the reporting agencies? If so why can't the provide it to me? 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I received Information that there was potential fraud on my credit report I noticed that there are several accounts I did not authorize I reached out to To these companies requesting that they provide physical documentation showing my original wet signature authorizing each one of these transactions none of these companies have been able to provide me with this information I reported this to the credit bureaus XXXX XXXX Equifax and XXXX however it is still being put on my credit history even though it has been reported to the federal agency FTC including two local law-enforcement agencies this is a violation of my rights under the FCRA I also fully intend on pursuing this matter through litigation as I am a litiglous consumer and this has been harmful to my character, my job, as my credit history does play a part in my employment my abilities to carry out certain task such as open a bank account get a loan start a mortgage etc. I fully intend to Hold XXXX XXXX, Equifax and XXXX responsible for the harm that this false information has caused me. as it is their responsibility to confirm, the information is accurate before applying the information to my credit history _ ] According to the clerk of courts they informed me that they DO NOT disclose information to any third party companies due to the Privacy Act, 5 U.S Code 552 A ( B ). The information listed below by your company is completely false information and is violating my rights under the Fair Credit Reporting Act and Privacy Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$68.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$930.00} XXXX   XXXX  XXXX {$15000.00} XXXX/XXXX  XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX  XXXX {$780.00} XXXX   XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}