23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXXXXXX XXXX  Dated : XX/XX/XXXX  Account name : XXXXXXXX XXXX Dated : XX/XX/ Account name : XXXX XXXX XXXX XX/XX/2022 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: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX  a month ago disputing some inquiries That did not belong to me.
Product: Debt collection

Repeated calls from Company Portfolio Recovery any time of day, any day of week to my cell phone for debts not mine, previous cell owner, and also for people I do not know. They call and hang up, they do not leave message. I block them and they call from a different number. I am on Do not call registry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The violent the fair The Fair Debt Collection Practices Act ( FDCPA ). I have been called before XXXX, and the will call every hour for the morning well into late afternoon. After I requested to not be called as early or as much. I now receive calls at XXXX XXXX  then every 2-3 hours after that daily Mon-Sun. I receive calls everyday.
Product: Student loan

XXXX 2016, Navient incorrectly reported a 90-day late to each credit bureau 4 times for the loans consolidated with their one company. I 've asked that they correct this or give a valid explanation, but they refused on both occasions.
Product: Student loan

I received a letter from Mohela stating that my student loans have been forgiven, as well as notification from XXXX, since XX/XX/year>. The balance on my credit report says XXXX, but it's open and affecting my ability to purchase a home. I've filed a dispute which they said was settled, but my credit report still says open!
Product: Mortgage

Wells Fargo is charging {$800.00} fees that I have called to get over turned they do not want. They just rip people off. My checking I had with them force my account negative to take out the mortgage payment and charge me a overdraft fee {$35.00} dollars every single month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third time writing you to update my personal information. I demand deletion of all personally identifiable information from my consumer credit report with the exception of my enclosed. 
1. My Full Legal Name 2. My Address : 3 Phone number included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax 7 times in the last 8 months to clear up a collection on my record. The collection was cleared. Equifax has not responded to my letters, emails and they have their online dispute system locked. Equifax has other misleading information on my account and they have not responded to anything.
Product: Consumer Loan

My payment was do on XX/XX/2017 I had previously setup a payment to be collected on the XX/XX/XXXX in which I transferred the money from one account so I could pay on line or over the phone which I did at which time the following morning I noticed they pulled twice from my account causing XXXX insufficient cash charges on my account for XXXX 's furniture represented by Wells Fargo retail services who went on to with draw another payment on the XXXX of the same month after speaking with them they said theirs nothing they can do both my XXXX an also my teachers federal credit union accounts have been affected
Product: Mortgage

Was placed on a repayment plan after falling behind on our mortgage. XX/XX/XXXX payment was late and Chase refused the payment ( made by XXXX XXXX ) and cancelled the repayment plan. People are sometimes late. As long as a payment is made within the month, they should be required to accept the payment and continue the plan. Now they are requiring us to go through the whole process again, whereby FORCING us to become further behind, incur more late fees and interest.
Product: Checking or savings account

A lender ( XXXX XXXX XXXX ) withdrew a specific amount {$750.00}. From my personal checking account, after they were already paid in full for the loan. I notified the bank, and they still authorized the transaction causing my account to be over drawn - {$750.00}. They are still charging me monthly maintenance fees as well. This is disheartening.
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 XXXX Account NumberXXXX 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

Early warning continues to keep fraudulent information on my consumer reports. I am a victim of identity thieves. They have open several accounts in my name. I have tried to dispute this information but I am told they cant dispute it. According to the FCRA they are required by law to verify every debt
Product: Debt collection

Synchrony/PayPal took an authorized payment from my checking account after I filed Bankruptcy.I never authorized a payment nor was I on ACH.
Product: Mortgage

My mortgage company sent me a payment change letter with very contradictory information. The interest rate is increasing, however the payment is not. The amount amortizing for the balance is changing as is the interest, but the payment is not. Then the letter says that " the interest rate can change each time by no more than 99.99999 %. '' Additionally, the letter says that the payment as shown will cause the loan to be negative amortizing. I have received this type of letter before from the lender-OCWEN and asked them about the information and to provide an amortization schedule-to no avail. Their system is most likely not in compliance with federal regulations regarding the notice of payment change. Please review the letter attached and provide some clarification as this is a formal complaint.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : National Credit Systems Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear National Credit Systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the same items off my credit report for the past year almost every single month and Equifax refuses to verify and validate the information on my credit report. I have submitted disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the same inaccurate items off my credit report. I have demanded a reinvestigation into all these items and Equifax refuses to do such coming back and saying that the items are " verified ''. Well how are they verified? when XXXX XXXX, XXXX XXXX, XXXX, and other third party agencies are frozen so how did Equifax verify this info when they have refused to supply me with the evidence proving this as they are supposed to do per the law? A blanketed statement that can be typed up by anyone is not proof of verification or validation. As they are supposed to supply me with the original form of indebture bearing my written signature which they have not done so. Credit reporting agencies are also supposed to verify info with the original creditor and not inaccurate 3rd party agencies which Equifax refuses to do so.
Product: Credit reporting

I have been disputing credit items with Equifax & XXXX for over a year now every month or so! I have never had a Mortgage with XXXX XXXX XXXX and there is no documentation proving this! I have asked numerous times to have this removed online and in writing! These credit reporting company 's have refused to provide the proof, there system is automated to send reply 's in there favor if information can not be provided. 
I had a Mortgage with XXXX XXXX loans!!!!!!!!!!
Product: Credit card or prepaid card

Synchrony Bank closed three of my credit cards. I have NEVER been late paying any of these cards and when I used them nor my other debts including my mortgage. They sent me a letter stating that I was " indicative high risk or failure to pay ''. When I tried to call asking them how they determined if I was high risk or failure to pay, I get routed to some call center in XXXX and the person could not give me any explanation AT ALL. As a result of XXXX credit cards being closed, my credit score tanked tremendously and I can not refinance my home. I read the disclosures and NO WHERE does it state if you maintain high credit card balances, your accounts will be subject to closed. Had I known this, I would have NEVER opened any accounts with this bank. I am screwed because my credit score went from XXXX to XXXX as a result of this bank closing XXXX accounts. I have read several consumers complaining of the same thing. What I noticed is many of them such as myself are in the process of refinancing and then they start closing accounts. Times are hard but I pay my debts and there are NO late payment or missed payments on my credit report. This needs to be looked at because people are suffering due to Synchrony Bank and their deceptive loan practices
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted TransUnion to remove inaccurate address on my credit report.The information is still on my credit report
Product: Checking or savings account

I saw a link online to open a new Citibank checking account and receive one of two bonuses : {$320.00} if I have {$3000.00} in direct deposits in 90 days, or {$450.00} if I have {$6000.00} in direct deposits in 90 days. That sounded like a good deal, so I proceeded to open the account. There was no further mention of the promotion, so I called Citibank twice the same night that I opened the account. Both times, I was told the promotion was attached. The second representative even read the description of the promotion to me! There was also a problem where the Citibank app was showing I was issued an ATM card and not a debit card, and the second representative supposedly fixed this. Today, I noticed the ATM card was still showing, so I called Citibank again. The representative today was able to see that a debit card was ordered. I also asked about the promotion. Imagine my shock when I was told not only was there no promotion attached, but that there was no way to attach it since the account was already opened. I elevated to a supervisor and was told the same thing. I believe this is unfair and needs to be reviewed, especially since I was told that the promotion was attached and the representative even read the description of the promotion to me last night. I was offered no option or alternative to get the promotion attached. I reviewed my web history and was able to trace back to where I visited the site for the promotion and then opened the account. Now, Citibank does not want to honor the promotion and is claiming it was never attached to my account and that there is no way to actually attach it. This is not right.
Product: Credit reporting or other personal consumer reports

I am demanding a deletion of the following account name XXXX XXXX XXXX  account number XXXX
Product: Debt collection

I had a family pass for bio XXXX XXXX. It was paid by auto pay from my bank account every month starting XX/XX/2022. Now Im getting a debt letter saying I owe for XXXX and XXXX. But it was paid up. I never used the membership and called XXXX XXXX about discount for following year. They were to send me something in mail and email. But instead I got a debt agency letter saying I owe money. When I called them they ask for whole year monies! Which was auto paid through my bank. XXXX XXXX XXXX is the one I was talking to and he kept changing amount of money to more and more. Bullying me to pay up. Then when I said this is fraud and I was going to report it He hung up. I tried calling back and it automatically hung up. 


He threatens my credit. Associated credit services account number XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Phone number XXXX
Product: Vehicle loan or lease

On XX/XX/2022, XXXX XXXX, I received an ads email from the bank of America that if I apply to refinance my existing auto loan with the bank of America. I will get 0.15 % rate reduction. Limitedtime rate reduction will be valid and reflected in advertised as low as rates for applications for all loan types submitted between XX/XX/2022 and XX/XX/2022. Applications submitted outside of these dates will not be eligible for discounted rates. 

My existing auto loan is with the Bank of America. However, today the bank representative of the bank of America called to inform my refinance application approved with the interest rate almost 1.2 % higher than current existing rate. 

Bank of America has misled the customers to apply refinance by providing the false ads. I tried to call the bank of America and was talking and being transferred to different department for almost XXXX hour without being explained the false and misleading information. 

My case number with the bank of America is XXXX Please help investigate, as they told me the false emails were sent to many customers
Product: Debt collection

This company keeps updating the collections file every month when they have NEVER communicated with me to update it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my report : XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$430.00}
Product: Checking or savings account

I disputed a transaction with Wellsfargo on XX/XX/XXXX because I was making payments to a company for my credit to be repaired, who wasnt doing the service as expected. My bank credited my account of {$450.00} and left my claim open til further investigation. I received a letter on XX/XX/XXXX stating they were going to reverse the {$450.00} withdrawal from my account on XX/XX/XXXX. I then called my bank on XX/XX/XXXX but claims dpt was closed and I was informed to call back on XX/XX/XXXX. When I called back at XXXX XXXX and spoke with claims. I stated my dispute with the guy and asked him why am I being held accountable, when I paid out money for service I didnt get and they are my bank and suppose to back me. The guy said the creditor submitted documents stating he did service for me. I said to the representative, how is that, when he doesnt have my signature and I have text messages saying if you drop the investigation, Ill pay you {$100.00} & send the letters to the credit bureaus!? Which he had me to believe for 4   months that he done so already. I got upset with my bank and told them I can not afford that reverse and I hung up. I later on did more investigation on the creditor XXXX XXXX to find out he was illegally charging me {$650.00} and is not license to do credit repair ( he was referred to me ). My last step was to file a complaint against my bank. They did not ask me for any proof. They just went off what the creditor said and left me to pay them back. Thank you for your time.
Product: Money transfer, virtual currency, or money service

I got an email from a buyer asking to purchase an item off of me for {$200.00}. He used Zelle and sent a fake email pretending to be Zelle and said I had to send {$300.00} in order to receive my money.
Product: Mortgage

This property is in some stage of foreclosure, but public records shows still in the owner 's name, not a Bank. They have discontinued paying assessments or maintaining the property and now have a large balance.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for remodeling work at my building which located in XXXX XXXX. I live in XXXX  and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. Payment was made to XXXX XXXX. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$5000.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to change the status or ad a statement saying that XXXX account was paid or is closed, not unknown. 

They have not fixed., They are very irresponsible toward citizens creditworthiness. The government should put more attention to the work ethic, treatment, and professionalism of this bureau.