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. Specifically : - 15 U.S.C 1681 Section 602 A affirms my fundamental right to privacy. 
- 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my explicit written instructions. 
- 15 U.S.C 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include certain types of information in a consumer report, which includes adverse items of information beyond seven years. 

Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) emphasizes that no one should provide information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. These provisions collectively safeguard my rights and underline the importance of accurate and confidential reporting.
Product: Credit reporting or other personal consumer reports

XXXX Late payment. XX/XX/2023 In accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I received a legal document in the regular mail that was a Second Notice to Defendant with XXXX XXXX XXXX XXXX, now signed by attorneys for XXXX XXXX XXXX. Stating the Court issued a Continuing Writ of Garnishment on my employer. I have never received anything about this case until now ever! I looked up local court records under my name and apparently there was a default judgment issued against me and for Asset Acceptance LLC on XX/XX/2010! This has never even been on my credit report! I have no knowledge of this matter at all or what it was for. What should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transunion XXXX another violations by them above
Product: Bank account or service

I am writing to you in regards to lost TD gifts cards and my inability to get proper customer service from the XXXX bank branch and from TD bank telephone customer service. On XXXX XXXX, XXXX, I bought {$2000.00} worth of gift cards from TD bank located in XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. Unfortunately, I lost XXXX cards ( XXXX for {$100.00} and XXXX for {$50.00} ). I immediately called TD customer service to report the lost cards. They said that they would put a " freeze on them ''. After a great deal of time and effort and many phone calls, I was told that I could go to any branch and get replacement cards or a return of my money ( {$150.00} ). When I went back to TD, the manager and another office worker said that they do n't return cards/money. In fact, they had no idea of the procedure when someone loses a gift card. They proceeded to call various numbers for information. They were put on hold for long periods of time. They asked me to come back. I returned hours later and they still did not know how/when I would be refunded. Eventually they said I would be mailed XXXX new cards. I went home and called customer service again, and they confirmed that I would receive the cards in 2 weeks. I have been calling TD customer service since XXXX and each time I call, I get a different answer as to how I will get my money back. It seems no one understands the policy involving lost TD gift cards. Yesterday ( XXXX/XXXX/XXXX ), I received a call from the manager of the XXXX bank and he asked me if I had " registered the giftcards ''? I had no idea what he was talking about. He said that, " If you had registered the giftcards, then we " could '' have given you your money back. '' However, it is not our policy to give the money back unless they are registered. I purchase these cards every holiday season for gifts. In fact, I buy {$2000.00} worth of cards each year. NEVER has anyone ever suggested that I register these cards in case of lost. I am so frustrated and disappointed in the lack of professionalism and knowledge that the manager and staff display at TD. I have invested a lot of time and effort in trying to rectify this problem, and the " run around '' treatment I have endured over the past 3 weeks is disgraceful. And to make matters worse, I have now been told that I will not be refunded for the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Mortgage

1st the lender failed to comply with XXXX XXXX when mailing of the 90 day notice jointly addressed to both borrowers in a single envelope. 
A recent appeal presented an issue of first impression before this XXXX as to whether a plaintiff in a foreclosure action may satisfy the requirements of XXXX  XXXX by mailing a XXXX notice jointly addressed to two or more borrowers. In Wells Fargo Bank, N.A. v. Yapkowitz decided XX/XX/2021, the XXXX held that this practice was insufficient to satisfy the requirements of XXXX XXXX, and that the plaintiff is required to mail a 90-day notice addressed to each borrower in separate envelopes as a condition precedent to commencing the foreclosure action 2nd Lender failed to correctly serve my XXXX  Attached is the Original Loan application and deed with the correct spelling of her name. The Mortgage & Note lack standing because the foreclosure if not against my ex-wife, they did not serve her a correct copy they served her a misspelled copy. I did not cause the issue I attached a my loan application with the correct spelling of my name. This was a bad name failure to serve the correct party. 

3rd the mortgagor failed to comply with XXXX XXXX, XXXX & XXXX Finally, I would like a full copy of my mortgage records to be forwarded to me from the lender, which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws
Product: Credit reporting

After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Product: Checking or savings account

Bank of America has allowed someone to cash a fake check on XX/XX/2022 in amount of {$200.00}, although they gave me temporary credit the issue was never solved. 

On XX/XX/2022 Bank of America allowed someone to pay their power bill to XXXX XXXX XXXX in amount of {$440.00} On XX/XX/2022 Bank of America again allowed someone to pay their power bill to XXXX XXXX XXXX in amount of {$350.00} The issues were never resolved and my account is currently negative - {$930.00} There were several overdraft fees that were also charged. I can not use this account again fearing the same thing will happen. Bank of America can NOT be trusted
Product: Debt collection

National Credit Systems is listed on my credit report. Reported by XXXX XXXX XXXX in XXXX SC which I never lived there. I sent them a certified letter to provide me proof that this bill is in fact mine. I asked for copies of a lease agreement with my name and other items to provide me proof. I sent the letter about 3 weeks and no response yet. I want this removed from all three credit bureaus effective immediately. They are very rude and disrespectful.
Product: Credit card or prepaid card

In XX/XX/2019, I close my account with regions secure credit card. They took my secured deposit of XXXX which my balance was approximately {$1100.00}. I was being charged fees after fees for using my credit card on daily purchases. around that time they missed credited XXXX dollars and i was not given an explanation of the funds. My account should have been resolved and paid around that time. I left the country because of a family emergency. recently came back to find various corresponds of fees added to my account. I have tried to resolve the account over the phone. Either I get disconnected or transferred to the incorrect department. I have invested hours. I am willing to pay the balance without the fees. I should not be punished for the lack of training regions customer service employees lack. as a consumer, I should be able to trust an employee of regions in their adequate expertise. I am sure that I'm, not the only one being charges an excess amount of fees.
Product: Mortgage

This is the FOURTH time this complete loan mod file has been sent to Bayview. I will be filing further complaints against Bayview with the OCC and the CFPB as Bayview clearly is not reviewing the modification accurately. 

This is a XXXX-year woman in fear of losing her home with nowhere else to turn. She qualifies for a modification if Bayview could accurately underwrite the file and stop asking for erroneous  information that does not apply to this account. 

THERE ARE NO PAY STUBS STOP ASKING FOR THEM SHE IS ON SSI AND SELF-EMPLOYED XXXX XXXX IS NOT ASSOCIATED WITH THIS LOAN STOP ASKING FOR HIS INFORMATION ON THE RMA This may be under the umbrella of elderly abuse, as these documents have been provided repeatedly and no one is reading them, as the same documents are requested over and over and over again. I will take it up with outside agencies as I have had enough of Bayviews incompetenceit is appalling and you should be ashamed of yourselves. 



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

There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX/XXXX  - Acct # XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$21000.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$9900.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX  XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX  XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  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 XX/XX/year> 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all XXXX credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, INDIANA, XXXX ( XXXX ) XXXX XX/XX/XXXX Dear TRANSUNION/INQUIRIES, I, XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed no longer outstanding for the following item : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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  Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am Disputing these ACCOUNT/INQUIRIES : I HAVE NO KNOWLEDGE OF THESE ACCOUNT/INQUIRIES. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.

This is my official request to have the aforementioned item to be deleted off my credit report. In accordance with the fair credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

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

I took out a loan with XXXX XXXX XXXX. The company closed and I was informed that SST ( System Services Technologies , Inc ) would be taking over the account. I have this account set up on auto  draft that XXXX said to keep in place and that all things would be transferred and set up. I kept all things as agreed by XXXX. In XX/XX/2019 SST continuously tried to take money out of my personal checking without my authorization. Tried calling to get a answer and they did not know but said they did receive my allotment. They then started charging my account XXXX late fee which I never signed for a loan with them and in my old contract there is not a late fee of XXXX. This fee then made my account looking like it was pass due and they are reporting me and being 30 days late. I have made extra payments and my allotment is set up for XXXX which my payment by contract with XXXX is XXXX. I have called this company every month requesting a statement of the applied payments and that to remove late fees since its not in my contract. They tell me to look online and I have told them I want a physical statement sent my house. Last time I spoke on XX/XX/XXXX they were sending one out and I have yet to receive it like every month they tell me they are sending. This company is breaking many lending laws and practice is very shady. I want this removed of my report and my account to be corrected of late fees and a statement sent to my house.
Product: Credit reporting or other personal consumer reports

Theirs a FL address add on my credit report that Ive never lived at
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXl XXXX, XXXX XXXX of EdXXXX XXXX, US dept of EdXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Below is the list of companies that I contacted due to the enormous amount of unauthorized inquires that is on my credit report. I contacted these creditors only for them to tell me that there is no open credit card in my name and they do not see the inquiry on there end and for me to dispute it with the credit bureaus. I disputed all of the accounts listed below with the 3 credit bureaus ( transunion, XXXX, XXXX ) all of them came back as verified. The cra 's DID NOT VERIFY anything because I  talked to all of the companies before disputing. The inquiries are fraudulent and I want them removed immediately! This is my last and final attempt to resolve this issue before obtaining legal advice. These unauthorized inquires is a strain on my credit and I am in the process of looking for a home. Do not send me some pre-made letter again stating this was verified because that is a lie! No one from the cra 's called any of the creditors to validate this information because they do not have it in there system. I have listed the names and phone numbers of the creditors to contact concerning these erroneous accounts. Here are the inquiries that need to be removed immediately : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Contractors ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX  XXXX   XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX