23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to my privacy 15 USC 1681 Section 2 it also states a consumer reporting agency can not furnish an account with out my written consent Instructions.

15 USC 1666B A creditor may not treat a payment on an credit under an account open and a consumer credit plan as late
Product: Student loan

I have called 5 times requesting a forbearance due to the fact that they never processed my request for a repayment plan. Every time I call, they tell me they will process it but it still shows the same amount owed and a delinquent charge while I was under forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to report multiple accounts on my credit history without actual verification or proof of verification despite multiple disputes under citation of the FCRA, namely : XXXX XXXX for {$2400.00}, XXXX XXXX XXXX for {$690.00}, XXXX, XXXX for {$1200.00}, XXXX XXXX XXXX XXXX for {$16000.00}, and XXXX XXXX XXXX for {$4000.00}.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$780.00} from Creditor : CAINE & WEINER, 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 an account without my written instructions.
Product: Debt collection

On XX/XX/21 I received an email from XXXX indicating that I have a new account under my name. When I looked at the account, it indicated that the account was Sequium ( XXXX ) with descriptors of collections derog and was opened on XX/XX/21 with a balance of {$280.00}. I have no idea where this charge would have come from. From research, it indicated that the company tends to work with internet/cable providers so I looked into my previous and current internet companies ( XXXX-previous ; XXXX-current ), and those are fully paid. All of my other accounts and medical bills are paid. I have no idea where this charge would have come from. I also have not received any calls, emails, or letters regarding this collection. Relatedly, I have zero documents to attach to this complaint because I haven't received any. I believe they are falsely making this claim and highly damaging my credit score in the process. I would like this resolved and removed as soon as possible.
Product: Mortgage

Bank of America Mortgage Number XXXX Bank of America has been withholding {$78000.00} from insurance proceeds related to Hurricane Harvey. I paid for all the damage repairs out of my pocket and turned over all payments, receipts, explanation of work done, credit card statements and records to Bank of America. However Bank of America is refusing to disburse the insurance proceeds. This will make e default on my mortgage and lose my home. I can not afford to pay for home repairs out of my pocket and continue making mortgage payments.
Product: Vehicle loan or lease

I voluntarily surrendered my XXXX XXXX XXXX to Capital One, the vehicle sold and my account was immediately sent to collections. Once the collection agency acquired the account I settled with them for a lesser amount. The credit file indicates there is still an amount owed to Capital One and it's not indicating that the account was settled. The credit agencies show it is past due. I filed a dispute and Captal One Indicated that its report was correct. It is not and it needs to be changed to reflect the settlement and the notes need updated that it was paid as less than what was owed to be reporting accurately.
Product: Debt collection

I have attempted to contact this company via USPS Certified Mail on two separate occasions. Each attempt my correspondence was sent to the address listed with all three credit bureaus. The first attempt was XX/XX/XXXX which was received on XX/XX/XXXX. The second attempt was on XX/XX/XXXX which was received on XX/XX/XXXX. I was concerned to see a {$70.00} medical collection being reported by CCS as Ive never received any notification from the medical provider nor CCS. I was willing to settle the debt in full in exchange for a deletion from my credit report. Please find the enclosed letter mailed and the tracking numbers for each attempt.
Product: Credit reporting or other personal consumer reports

Have just been this account for almost a year I pay XXXX off and they put it in accurate information on my report I asked them for that validation of the debt they could not validate the debt or did they send me a copy of the purchase agreement I pay 11 payments of {$33.00} and then a lump sum sum of {$830.00} for a phone that was That was {$900.00}. They sent it to the collection agency then the collection agency sent it back to XXXX going back-and-forth they say they didnt get my money out of my account but its showing on my bank statement. Ive been going back-and-forth with Trans Union XXXX and XXXX and they have a duty to remove in accurate information. Not only is it in accurate each credit bureau has different reports different opening days, different closing dates and different Payment dates in XXXX have already removed it so how can they verify it as accurate? pursuit 605 a of the FCRA 15 USC 1681C I request that you delete this information from my credit report within five days from the date of the receipt of this letter. I have forwarded the same information to XXXX, XXXX and Trans Union as you are aware of section 6058 requires that a consumer agency share within five days after seating notice of this dispute from a consumer such as an investigation is as in reason to delete information from this file and notify me, I will now be pursuing legal obligations on the section I never owe them the {$680.00} on XXXX and on XXXX it showed it paid and it never should have went to collection because I didnt owe them anything when I paid them the {$830.00}. It is stopping me from obtaining a home and I am pursuing legal obligations for court causes pity damages, legal fees, emotional of distress because I cant. Im not in my home before XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT XXXX.
Product: Checking or savings account

XXXX was taken out of my account Fraud I never lost my card and nobody has my number So Im assuming it was a hacker So Wells Fargo bank offered me fraud protection When I signed up I submitted a claims report That got denied I assume because its a large amount There reason for denying is because I logged in to my account and didnt catch it the first time They never flagged my account or asked if these purchases were made by me The activity on my account was so ridiculous Its hard to believe they didnt catch it It was with 3 websites Money was being drained for about 3 weeks Im asking myself isnt that the banks job to protect my money? 

They closed my claim And told me tuff luck
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Equifax since XXXX over then furnishing XXXX XXXX on my credit report. 

Equifax has violated 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Equifax has furnished misleading information that has caused extreme financial harm to my financial reputation, and has violated my consumer rights. 

Equifax is reporting on time payments on I printed my credit report on XXXX, and it shows a payment history of XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 

Then I purchased another report on XXXX, and it shows a payment history of XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 

My report says I'm late 120 days, but my past due amount is XXXX Account status is paid. Who paid it, how much did they did pay. 

All this information is inaccurate and needs to be removed immediately Who made payments to this account, if it was already paid to a XXXX balance. 

All this information is inaccurate, please remove immediately. 

Also, Equifax never responds to me inquiry with a written response. They claim they have, but they haven't. And if they have, where is the tracking number for proof. 

Please ask them to remove this account now
Product: Credit card or prepaid card

On XX/XX/2019 I requested made an online credit line increase for my Discover credit card account number ending in XXXX. I proceeded through the process of answering several questing pertaining to my finance until I reached the step where I was given an option to continue by clicking " OK '' or " CANCEL '' to the statement " a further review is required, do you agree to hard pull ''. I immediately selected " CANCEL '' and did not receive any further message regarding the request. Several minutes later a received alerts from both XXXX and XXXX XXXX that there was a recent credit inquiry on my account. I accessed those two credit reporting companies where the Discover Card Inquiry appeared. After contacting Discover Card, I was initially told by the representative that she did see the request did not proceed and apparently cancelled. After further disputing with that agent she directed me to a supervisor who agreed to initiate a dispute to XXXX to remove the Inquiry. The inquiry was definitely unauthorized.
Product: Debt collection

They call literally every single day, many times after XXXX XXXX, sometimes even after XXXXXXXX XXXX and occasionally before XXXXXXXX XXXX. It's always a robo call, too. This has been going on for about a year now, every single day, including Saturdays and Sundays as well. I have their number blocked but they still leave robo voicemails every single time.
Product: Credit reporting or other personal consumer reports

The 3 credit bureaus have my name listed multiple times and spelled incorrectly. My name is XXXX XXXX. I have sent copies of my name and social security card to no avail. I have also attached it here for your review. 

All of the 3 credit bureaus have the following spellings for my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These spellings do not belong to me.
Product: Credit reporting or other personal consumer reports

Hello, I have taken ZIP loan ( Line of credit ) from XXXX XXXX which was managed by " XXXX XXXX XXXX XXXX '' I have repaid amount and initiated account closure from their end. 

I received confirmation from the XXXX support team, but upon checking my credit information, my account status was not updated accordingly under credit bureaus. I have spoken with the respective team and got the conclusion that information is to be updated from " XXXX XXXX XXXX XXXX '' end. 

I coordinated both of them and received response as they have updated information as closed but still its showing as Active status under my report I have attached confirmation chats from XXXX support and the latest Experian report for your reference. Its been ages, and the issue still persists, Due to this, my financial planning has been impacted, and I couldn't go for a new loan. When I tried to go for a new loan application, it got rejected and impacted my score again. I really exhausted explaining things to credit bureaus, and I need compensation and also resolution from both ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Have all 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 or other personal consumer reports

These inquiries are unrelated to me, and I have no association with the creditors involved.
Product: Money transfer, virtual currency, or money service

I payed the auto parts company with the number ( XXXX ) XXXX {$290.00} for a rear differential part. I noticed after the original payment another attempt of {$290.00} was made then another {$100.00} attempt was made but declined due to insufficient funds. I was told this was an accident. The sellers name shows as " XXXX '' in my bank statements. After receiving no confirmation, tracking, order #. I was convinced this was a fake organization and quickly canceled my card. I got with Chime and created a " Non-reciept of goods '' dispute for the {$290.00} it was denied after being looked at by Chime " no error occurred. '' I managed to call the XXXX number again and they told me they would refund me so I gave them my temporary card while my new card is being shipped. Instead of a refund they boldly attempted to take out {$290.00} and then {$100.00} again. In a rage I called back with no answer. I then called Chime again to handle this, they created a separate dispute claim this time as " Credit not posted '' ( a refund from the seller. ) In the same day they told me the information I provided did not change they're decision and Chime closed the case again. There is no sign of a refund in my Chime account from " XXXX '' I have been scammed out of {$290.00} and they attempted to take money out my account if Chime has looked at what happened they would see that I have in fact been scammed. I just want my {$290.00} back. The XXXX number isn't answering and I refuse to give them my new debit card because they will continue to try and take money out my account.
Product: Debt collection

ENHANCED THEIR LAW OFFICE SETLED THIS MATTER OUTSIDE COURT! ON XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX APPEARED AGAIN ON XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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
Product: Credit reporting

I am an identity theft victim ; credit bureaus, XXXX and NCTUE are not clearing the fraudulent information from my history. Has been XXXX months.
Product: Mortgage

The problem began in XX/XX/2017 when the Escro amounts changed in my monthly payments. It was found that there was an Escro shortage. I was given the option to spread out the amount of Escro shortage over 12 months. Changing my monthly payments from {$990.00} to {$1000.00} due in XX/XX/2017 and then {$1000.00} for the remainder of the shortage. NationStar AKA " Mr. Cooper '', recieved and cashed my check on XX/XX/2017 for {$1000.00} as per new agreement. The Nation Star then decided to attempt to pay the full shortage for {$310.00} causing the principle and interest amount to be $ XXXX.Because they did not follow the agreement to spread it out over 12 months, it created a shortage in the payment, causing it to not be able to be applied. The payment not being applied caused me to send another check for {$990.00} on XX/XX/XXXX to cover the payment for XXXX. This caused for {$750.00} to be left un-applied. I then made another payment XX/XX/2017 for {$1000.00} as per the new agreement to pay for the new Escro shortage. On XX/XX/2017 I was forced to issue a stop payment for a check that was cleared on XX/XX/XXXX that was never applied to my account. I was reported late on my credit report for every one of those payments, as a 30-day late payment. This is the reason for my complaint, because payment history shows that I was not at fault. Unfortunatley, these errors are negatively affecting my credit and ability to refinance this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent disputes to each of the three Credit Bureaus in an attempt to update the following items. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Received negative credit report with no notice or contact from company whatsoever prior to delinquent report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 4 1/2 years straight I paid all my bills on time XXXX score would never go over XXXX but my income change in XX/XX/2023 so I have some 60 days late and my credit score was dropped by 31 points. They never gave me 31 points when I was 4 straight years on time also within those all paid on time bills the decrease my {$2000.00} with XXXX XXXX to {$1200.00} which was my balance when they decreased so that made my debt to ratio high. Just 31 points is outrageous but I never advanced with the 4+ years been timely. Please help me this feels unethical wrong.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

Bank of America charged {$51000.00} to my XXXX XXXX for a balance transfer that I did not authorize, and that there was not even an existing balance to pay on where they claim they made the payment to.
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting multiple XXXX XXXX XXXX accounts reporting somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b 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 whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 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 section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Debt collection

I initially did a dispute through XXXX and XXXX and XXXX to verify this account. It was considered unverifiable and removed from my credit report in XX/XX/XXXX, After sometime the account was readded without notice.