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 : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been contacted by this company Mid- Michigan numerous times trying to collect a debt that is not mine. I have explained to this company over and over again this is not my debt. I filled bankruptcy on XXXX XXXX in XX/XX/2014 and it has been discharged and I never visited this doctor every again because the doctor was no longer practicing there. This is fraud and unacceptable. I have also written to this company asking for deletion on my credit report and for validation but company will not respond. This is keeping me from being able to get a home of my own because of this reporting. I have attached my letter sent to this company with no response back. I am recovering from a XXXX and can not be under any XXXX  and this is causing much XXXX in my life
Product: Credit reporting or other personal consumer reports

I am reviewing my credit report because I am in the process of buying a home and the report that I was given by the mortgage broker shows multiple account inaccuracies be it the payment history, account balance, date of last activity, and in some cases the very account number. So I am now requesting debt validation on these accounts, under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX | ACCOUNT : XXXX | {$710.00} XXXX XXXX XXXX ACCOUNT : XXXX | {$0.00} XXXX XXXX | ACCOUNT XXXX XXXX | {$120.00}
Product: Checking or savings account

On XX/XX/year> I received via XXXX a letter from NetSpend announcing that my new Netspend XXXX Account had been created in my name. A new XXXX debit card was attached. I am concerned that an unknown party XXXX have used my identity to open this account. I attempted to contact Netspend by telephone, but the automated system offered no way to speak to a representative about the letter. I then wrote an email to the Netspend customer service department outlining the issue and requesting a response. I have not heard back from Netspend, either by email or by telephone. Netspend appears to be acting in concert with the bank XXXX, XXXX as well as XXXX XXXX, XXXX.
Product: Debt collection

On XX/XX/2014 i got a payday loan it has not been paid. I have tried contacting the company but i was told it was closed down for good the company is no longer there, i tried to use the contact information i have on my XXXX account but the information belongs to a company name XXXX XXXX XXXX. At this point i dont know what steps i should take.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax credit bureau will not delete veridian auto loan off my credit report, XXXX and XXXX both have. The debt is paid, its XXXX XXXX XXXX and yet equifax still has it on my report. I have sent several letters to them and they will not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX, had violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a vehicle loan consumer credit plan as late for purpose or credit cards
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTING WITH SENDING ATTACHMENTS PROOF TO THE CREDIT BUREAU OF THIS ERROR TO BE CORRECTED, REMOVE FROM MY CREDIT REPORT AND HAS FAILED MULTIPLE TIMES
Product: Credit reporting or other personal consumer reports

Upon review of my consumer credit reports from TRANSUNION, XXXX, AND XXXX, I noticed the following errors : Outdated address information. Incorrect names, and Unknown employers. 

I ALSO FOUND THE FOLLOWING ERRONEOUS INFORMATION WITHIN MY XXXX, TRANSUNION, AND XXXX XXXX REPORTS : account from XXXX  XXXX opened XX/XX/XXXX. This account was opened fraudulently. An account from XXXX XXXX opened XX/XX/XXXX listed as an authorized user. I have never been an authorized user on and XXXX XXXX account. An account with XXXX XXXX XXXX XXXX XX/XX/XXXX. This account is fraudulent. An account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX. This account was opened fraudulently. An account with XXXX  XXXX XXXX  opened XX/XX/XXXX opened fraudulently. I have requested to be removed from a closes XXXX XXXX account opened XX/XX/XXXX as that account does not belong to me. An account that was sold to XXXX XXXX XXXX from original creditor XXXX  XXXX reported as opened XX/XX/XXXX is a fraudulently opened account. A collection account bought from XXXX XXXX by XXXX XXXX XXXX opened XX/XX/XXXX is a fraudulently opened account. An account sold to XXXX XXXXXXXX XXXX  by XXXX XXXX XXXX  opened XX/XX/XXXX is a fraudulently opened account. 
FRAUDULENT INQUIRIES IN MY XXXX CREDIT REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - reported by XXXX, XXXX XXXX XXXX - XX/XX/XXXX - reported by XXXX XXXXXXXX XXXX  XX/XX/XXXX - reported to TRANSUNION XXXX XXXX XXXX - XX/XX/XXXX - reported to XXXX, TRANSUNION, XXXX XXXX XXXX XXXX - XX/XX/XXXX - reported to TRANSUNION and XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX to XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - reported to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX to XXXX XXXX XXXX - XX/XX/XXXX - XXXX to XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - reported to XXXX XXXX XXXX XX/XX/XXXX - reported by XXXX XXXX XXXX - XX/XX/XXXX XXXX reported to XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX reported to XXXX Each account, and inquiry I have listed herein , are in fact fraudulent, as i did not provide consent to these companies to utilize any of my personal identifying information to establish an account, and/or provide services. 
I have been unsuccessful in my attempts to remove the fraudulent information from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exsperian refused to update and remove old addresses, phone numbers, names etc.
Product: Checking or savings account

Is Marcus by Golden Sachs having issues with the Federal Reserve? I have been trying to withdrawal money since the XXXX. & they state they are sending it but it take 3 days which we all know it does not take 3 days to send money by ACH or Wire. They have caused me to loose my interest rate. Plus the stress is unreal for them not releasing my funds. I still have not received this money and I have tried 4 times to withdrawal money
Product: Credit reporting or other personal consumer reports

Recently I found some account and inquiries which I neverautorize. For sure all of them are froud and must be remove frommy credit report as soon as you can. Please investigate andremove these accounts from my credit report or I will have torefer the matter to my attorney and take immediate legal actionagainst you. The constant judgments awarded against youcertainly demonstrate that courts are will not tolerate yourbullying tactics.I have made a lawful request of you to verify areport about me in my credit files. CC : Federal TradeCommission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOffice of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Advocates for FairCredit Reporting Department of Banking and Finance
Product: Debt collection

I recently, XX/XX/XXXX, had XXXX and was out of work for XXXX months. I could not drive nor do anything that may aggravate my XXXX while it heeled. This is why I fell behind in my finances. However, once I went back to work, my wife and I sought some help from a financial planner. She was able to get us into a situation where we were able to put food on the table and not worry about our finances. That is until the phone calls started from the credit agencies that we could not budget into the finances. We constantly kept asking the financial planner about paying others but she stayed the course and so far we have been able to pay off XXXX credit cards. We are by no means trying to get out of paying our debt. We just have to take small steps to get it all taken care of. 
On XX/XX/XXXX, I received a call at work from XXXX with XXXX XXXX. She is attempting to collect a debt for XXXX. I explained to her that I would have to discuss certain payments and see how we can pay this off. She came back and said normally they expect the full amount but in my case they XXXX make an exception and want XXXX % up front and we can work on the rest. I then had to mention that if I could n't pay the minimum due, how do you expect me to pay XXXX %? She has since contacted my home phone XXXX times to get a response from my discussion with my wife. This is considered harassment in my opinion. However, when you talk to XXXX she will phrase sentences in a way that makes you tell her when a good time to call is and that she was just doing as you instructed. I understand they are collecting a debt and that a lot of people have XXXX excuses. I guess I just blend in with the rest. But, I had worked my XXXX off to get a credit score above XXXX and in XXXX months watch it dwindle to XXXX. Not happy about it but I can probably bounce back as long as I do not get harassed about it. It is embarrassing enough to deal with the problem at hand. I do not need someone to rub it in.
Product: Mortgage

I 've contacted Guild mortgage multiple times to address bringing my past due mortgage current. I contacted them on XXXX XXXX two times and had a question regarding unapplied funds and partial payments. In speaking with both agents, when asked about this issue they seemed to be uneducated. When I asked why I would not be able to make partial payments, or use the money which is in my suspense account to make a full payment, I received basic answers like this is just a policy. The second agent I spoke with continued to talk over me, rather than listening to my actual question. I was unable to get any answers as to why I can not make a partial payment to make up a full payment using the money which is in unapplied funds. I wanted to know if this is an FHA loan guideline, or a company policy. Neither agent could sufficiently answer this question. It seems to me that if I have money in unapplied funds, and I have enough to make a full payment using MY MONEY, that is sitting in unapplied funds for that exact reason, I should be able to do that. Neither agent could calmly answer my question, and both became confrontational without listening to me. If this is an FHA guideline, I 'd like to be advised of that. If this is a company guideline, I would have asked to speak with a supervisor who would be able to override this nonsense rule. 

Also, I was on hold for more than 20 minutes before being able to speak with an agent. I understand it is the last day of the month and a lot of people are getting payments in, so I understood that, but feel it is worth mentioning considering I used to work for a loan servicing company and whenever our Average Hold Time ( AHT ) was over 2 minutes there was panic in the office to get on the phones, and opportunities to work overtime. We do n't want people waiting that long!!
Product: Credit reporting or other personal consumer reports

To my dismay, I noticed unauthorized inquiries on my credit report tonight, and Im completely in the dark about how they appeared. I usually check my credit report without any issues, but this time, these discrepancies caught me off guard. I tried refreshing the page, thinking it might be a temporary glitch, but the inquiries stayed. I urgently ask for a detailed review of the documents I've submitted to resolve this matter so I can stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of my rights. 
XXXX XXXXXXXX XXXX XXXX : # XXXX. 
XXXXXXXX XXXX XXXX  : # XXXX. 
XXXX XXXX XXXX XXXX : # XXXX. 
XXXX XXXX XXXX : # XXXX. 
XXXXXXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting or other personal consumer reports

After carefully reviewing my most recent credit report, I noticed that there are several accounts that I have zero knowledge of. I did not give my signature to authorize any of these accounts. Here are said accounts that should not be on my report 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Two mortgage payments were lost via Online pay. On XX/XX/XXXX I was told by my mortgage holder that my mortgage was directed somewhere else. I had to borrow money to pay my XXXX mortgage a second time. Chase failed to protect my funds by helping retrieve them from the wrong recipient. I now have a second mortgage that didn't arrive to the right mortgage company. I didn't do anything different from what I had done it the pass years. There's definitely an internal problem which Chase and will not assist me to retrieve my funds.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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: Money transfer, virtual currency, or money service

Capital One Bank aided a fraudulent client called XXXX XXXX defraud me of {$2200.00} when he promised buying my timeshares and asked me to wire the amount as closing cost into his account. When I realized it was a scam and contacted my bank to re-call the wire. Capital One informed my Bank they had put a hold on that customers account and that I should complete an Inter-Bank Hold Harmless Agreement and they will send me back my funds but when I did so they only sent me a check of {$680.00} without any explanation. Up till a couple of weeks ago I was never told when I will get the rest of the {$1500.00} back but they rather sent me a letter saying they had close the case. Their resolution of the matter is unacceptable as they have not given details of how the funds held in the said fraudulent account was disbursed. Before I signed the said form I was told by the XXXX representative who was working with me to retrieve my money, through an email that the said fraudulent account had be put on hold and all I needed to do was to sign the form and my funds will be returned to me. But after signing I was sent less than half of the amount sent. I have the right to know how much was in the account when it was put on hold and the details of the disbursement of the funds from the account. I 'm also by this email requesting an investigation into the circumstance that led Capital One to open a checking account for this customer without doing their due diligence under the " Know Your Client '' regulation under the Patriot 's Act. Above all, allowing the said account to receive multiple wires into a personal account that was NOT opened as a cashing business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i was denied a auto loan due to a negative account that was appearing on my credit report from a company called XXXX XXXX XXXX XXXX account number XXXX i don't know who opened this account under my name.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

Transunion is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my CFPB complaint # XXXX regarding Equifax continuing to report 4 accounts from XXXX XXXX XXXX XXXX XXXX that have not been validated and that contained the wrong address and phone numbers to contact the collection agency. Equifax responded on XXXX XXXX, XXXX, that " The following disputed items have been removed from the Equifax credit file : XXXX XXXX XXXX XXXX XXXX account number ending in XXXX, XXXX  XXXX XXXX XXXX XXXX account number ending in XXXX, FXXXX XXXX XXXX XXXX XXXX account number ending in XXXX and XXXX XXXX XXXX XXXX XXXX account number ending in XXXX. '' However, the credit report Equifax sent to me, dated XXXX XXXX, XXXX, still showed the same 4 accounts with the incorrect address and phone number. Also, I printed out a recent report today, XXXX XXXX, XXXX, and the accounts are still showing on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANIES VIOLATING RIGHTS AFFORDED TO ME VIA : 15 USC 1681 ( PRIVACY ) 15 USC 1681 604A ( WRITTEN CONSENT ) 15 USC 1666B ( PAYMENT HISTORY ) XXXX XXXX XXXX XXXX ( REPORTED NAME ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX ( GEORGIA )
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports