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.

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 inructions 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX PM XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$640.00}
Product: Consumer Loan

Synchrony Financial offered a low rate financing program in connection with my purchase of XXXX furniture. I set up automatic payments on the account at XXXX % of the minimum payment. My payments were made in advance. One month two payments were processed so the next month I was charged a late fee. In addition they charged another fee on top of the late fee known as the minimum interest charge. I was surprised to see the layering of the fees. The total fees were more than my XXXX % extra payments so for the two past months I have received late fees and the extra charge. Given this cycle one would never be able to get back on track and enjoy the " special interest buying incentive. '' I fortunately am able to make the catch up payments however the common citizen may not be able to do so. 
I think this is a clear case of abuse by Synchrony. 
I would like to ask that the CFPC take a close look at this program.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2019, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with Seterus, Inc. for my mortgage for about XXXX years. I have been trying to refinance my home and Seterus has not updated my credit history in over a year. I have called Seterus once a month since XXXX XXXX to update my report and every time I call they tell me it will take a month to reflect on my credit report. As of XXXX XXXX, it still has n't been updated and I can not refinance my mortgage or my vehicle.
Product: Checking or savings account

On or about XX/XX/XXXX I filed a fraud claim # XXXX in the amount of {$2400.00}. As of todays date, Bank of America has not issued credits to my account for the above mentioned claim. Beginning in XXXX, XXXX, until XXXX, XXXX, an unauthorized individual used my debit card ending in XXXX to make charges through an online portal called Simple Practice. I contacted Simple Practice and was told my card had been linked to an account used by an individual named XXXX XXXX. I do not know this individual nor have I ever authorized this individual or company to charge my account. 

I am concerned that Bank of America will not adequately and timely resolve this matter as customer complaints pertaining to BOFAs handling of unauthorized charges indicates that the Bank routinely fails to properly address and reimburse customers for fraudulent charges. 

I have reached out to Bank of Americas Executive Response Unit but have not heard back. Please be advised that I intend to file a small claims lawsuit against BOFA in the amount of {$2400.00} plus any applicable charges should the Bank decline to reimburse me accordingly.
Product: Credit reporting or other personal consumer reports

There is this sprint bill on my credit report that I had removed from my credit report cause its not mine I never had XXXX and it was removed for a long time then it popped up again and I told Experian that it was not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX -- Account # : -- -- XXXX XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : -- -- XXXX XXXX XXXX Equifax Account XXXX : -- -- XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account XXXX : -- -- XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : -- XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX XX/XX/XXXX XXXX called Direct Express XXXX to check balance on card XXXX XXXX XXXX XXXX and it was invalid. I requested a new card on! XX/XX/XXXX and paid for expeditated delivery to get on XX/XX/XXXX I received on XX/XX/XXXX and called card XXXX XXXX XXXX XXXXDirect Express, calling from XXXX XXXX till XXXX XXXX on XXXXand was informed it also invalid that a card was sent to XXXX Texas and XXXX was activated about the time i got my card and they went to XXXX XXXX atm withdrew {$900.00} and the to XXXX atm withdrew {$85.00} and with 3 delivery at XXXX put me the negative of $ XXXX then requested a new card postal and got on XX/XX/XXXX XXXX XXXX XXXX XXXX knowing that I had {$3.00} I called Direct Express to activate card and AND THAT CARD IS HE SAME CARD SENT TO TEXAS . Direct Express was to send me papers to fill out for provisional payment i was to have them returned by XX/XX/XXXX or I get no payment They never mailed it out I called onXX/XX/XXXX about the, paperwork and was informed of that and told me to write out in my own words and to fax it .Today thinking I should have received the provisional payment found the card invalid { Same card to Texas XX/XX/XXXX } They wanted to verify me I answered the questions and was give n a code to e mail I gave the code and told me it was wrong never knew they sent a second code, I talked to supervisor and was then told I was refused provisional payment because I authorized the withdraws in Texas and authorized merchant purchases ' am in Ohio legally blind and never been to Texas never authorized the atm withdraws. I am now requestioning an escalation of disagreeing with dispute Help me out
Product: Mortgage

On XX/XX/XXXX, my home caught on fire and I contacted my mortgage for a loan modification or a hardship plan. During that entire time I have been sending in documents that they had requested and they were continuously rejected for one reason or another. 

On XX/XX/XXXX, my home sold at auction without my knowledge. That same day I called my mortgage company and they assured me that my house had not been sold and that they were still working with me on a loan modification. That was a lie. 

I had previously been and the forbearance plan due to Covid, and I resumed payments shortly before my house had caught on fire. 

For months, Freedom Mortgage told me that they were working with me in regards to modifying my loan. When I brought up the foreclosure, they assured me once again that my home was safe, and that they were still accepting my paperwork. 

When it came time to mail important documents, they were sent to the wrong address, and I never received them. 

Rejection letters were sent out weeks after they assured me my paperwork was accepted and I was given false information.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. This case was dismissed in XXXX XXXX superior Court for {$11.00}, XXXX Case # XXXX and it is still appearing on my credit report
Product: Credit card or prepaid card

It's a Capital One XXXX XXXX I was making a payment for {$300.00} on their app XX/XX/2023, and I changed my mind about the amount so I cancelled it, the app acknowledged the cancellation, so I thought I was fine. Then I went back on and made the minimum payment instead minutes later. My bank can confirm this. Later I went onto my bank account and noticed it had gone through for the {$300.00} payment in addition to the other payment. I called Capital One immediately, they said they had no record of the cancelled transaction. I asked them why I would make a {$300.00} payment and then a minimum payment? They had no answer. They then said in order to refund my money they'd have to send a check but it would take weeks. I do not believe this is a glitch in the app. I believe it's intentional. I believe it's a way to keep the extra money because people can easily make typos on an app. In this instance, that's not the case. There was no typo, I cancelled it. I should have taken a screen shot of the cancellation message. On the app it's called " XXXX '' and I believe this is a way to scam people out of unintended payments because they'll just not escalate the situation to wait weeks for a check to come. My bank is going to refund the money for an unauthorized transaction, but I felt this should be reported as it's definitely a scam by Capital One. This app, I believe was set up to not cancel a transaction as it says it will. It asks to confirm or cancel or something to that effect and I clearly hit the cancel button, it said it was cancelling the payment, but did not. It wouldn't surprise me at all if this has happened to many others the same way. I've included a screenshot of the two transactions without revealing bank information, and redacted my name and numbers of certain information.
Product: Credit reporting or other personal consumer reports

XXXX reporting inquires on My credit on dates of XXXXXXXX XXXX, XXXX inquires reported from my bank I have good standing, having no phone provided for it with being subject to being burdened on credit and me wanting it resolved. 

Isnt XXXX is obligated by the FCRA to report accurate accounting. consumer has advised All the inquiries reported was fraud. Said company Had 4 Day according to Law to remove XXXX has 15 days to provide me with the name of the person spoken to. Documents user signed application with consumer wet ink signature. Consumer in not asking e-XXXX report. If XXXX does not have documentation to show there were in fact authorized it must be removed asap. Said company is liable under SEC to follow certain rules.
Product: Checking or savings account

I withdrew XXXX & I only receive XXXX I called cash app several time they decline claim I called the police because I felt like I was being rob I already been rob before when my brother was killed in front of me so it brings me memories because somebody always taking from me Bank of America stole form and they didnt do anything to help me I didnt receive a receipt I will appreciate if cameras were check.
Product: Debt collection

Capital Accounts failed to notify me of any alleged debt with their office. The account appeared on my credit reports to my surprise. On XXXX XXXX, 2016, I authorized XXXX XXXX XXXX , XXXX to dispute the alleged debt with Capital Accounts. Capital Accounts failed to validate the debt in accordance with 15 U.S. Code 1692g.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax failure to provide me with verifiable proof required to post the accounts listed below proves that it does not exist and is therefore Unverified. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616, Section 617, False derogatory and defamation of character. If the UNVERIFIED items listed below are not deleted within 5 business days. Copies of this Affidavit of Identity theft report FTC Fraud report, Consumer Financial Protection Bureau complaint and etc letters as well as copies of written letters sent to XXXX, XXXX and Equifax previously will also become part of a formal complaint to the Federal Trade Commission and also shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Equifax Delete the fraudulent accounts. Despite all my documents and written requests, the unverified fraudulent items listed below still remain on my credit report in violation of Federal Law. In the results of XXXX, XXXX and Equifax investigations, XXXX, XXXX and Equifax stated in writing that you Verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during the re-investigation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, XXXX, XXXX and Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - Experian, XXXX and Equifax are required to ... promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

Experian Violated Congress codes and According to Federal Law, Experian is required to comply with the codes listed : 15 U.S.C 1681a ( 2 ) ( Ai ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681 602 AStates I have the right to privacy. 
15 U.S.C 1681 604 A Section 2-Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any 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. 

I previously did not request for Experian to Verify the Accounts listed below, but Experian did it anyway, which is a violation of my rights under the Fair Credit Reporting Act. I requested for the companies to be removed from my Experian Credit Report due to violations listed above. As a National reporting agency, Experian is governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers. Businesses paid Experian and Experian accepted payment to report information ( transactions/experiences ) between consumers and persons, which is Violation of Congress Law Exclusions 2 ( A ) ( i ) ) report containing information solely as to transactions or experiences between the consumer and the person making the report, that Experian violated . In addition with the rest of the codes listed above. 

Accordingly, I request the Companies below must be deleted, Not Verified and completely removed from my credit file within 7 business days as Experian is non compliant of the 30 days response. In addition, a copy of such deletion request shall be sent/mailed to me immediately. I will continue to monitor if any action and or credit reporting repository is taken which could be considered detrimental and inaccurate to my credit report. 

Accordingly, I also request send notices of corrections to who received my credit report in the past 120 days ( 4 months ). 

Companies to be deleted : XXXX : Opened XX/XX/XXXX XXXX : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information being reported by Transunion on my credit report. The details of the incorrect information are as follows : Account Name/Number : XXXX Nature of the Inaccuracy : Charged account reporting a balance Date of OccurrenceXXXX I have already attempted to resolve this issue by contacting Transunion directly, but they have failed to correct the errors or provide an adequate resolution. Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681e : This section mandates that credit reporting agencies ensure the accuracy of the information reported. If they report incorrect information, they must investigate and correct it. Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis XXXX Report ( XXXX ) to XXXX regarding the outdated Drivers License Information that LexisNexis is reporting on my LexisNexis XXXX Report ( See attached Supporting Document # XXXX ). 

On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( XXXX Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). 

On XX/XX/2023, LexisNexis responded to XXXX Complaint # XXXX with an attached letter titled XXXX XXXX ( XXXX KB ) ( See attached Supporting Document # XXXX ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his XXXX report can not be removed from his report. 

The information that LexisNexis is reporting is outdated. Instead of updating the outdated information, LexisNexis nonsensically attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis XXXX Report is not governed by the FCRA, contrary to the definition of the FCRA.
Product: Debt collection

XXXX XXXX continues to report that I owe them money on my credit report and they are reporting incorrect information. I owe them nor anyone else the money they are claiming I owe them. They responded to you without correcting any information. This is the last time I am writing a complaint before I take them to Small Claims Court and sue them for reporting incorrect information on my credit report.