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. 

XXXX OF XXXX Account # XXXXXXXXXX XX/XX/2021 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

Hi XXXX, Equifax, and XXXX ; I was going through my credit again today and noticed XXXX negative accounts on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Each of those accounts is reporting multiple inaccuracies such as different dates from last active, last reported last payment, questionable balance, and the charge off balance are questionable. 

How come there are accounts in charge-off but I never received XXXX from the original creditors? How come you said you verified these XXXX accounts but yet it continues to report with multiple inaccuracies and violations? 

XXXX # XXXX Collection {$3000.00} ; XXXX OF XXXX # XXXX Charge-off {$83.00} ; XXXX  XXXX # XXXX Charge-off {$3700.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX  XXXX XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Checking or savings account

On XX/XX/2024 JP Morgan Chase Bank decided to put my funds on hold without an explanation they say they dont have to tell me anything or the reason as to why. In my Checkings account I had over {$8000.00} dollars, and my Savings over {$1000.00} dollars. This is very unfair to me I have bills to pay and cant access any of my money. All of my money is literally in this account. Its so unfair that they are able to do this with no explanation. It doesnt even feel safe to have money in banks anymore. I hope this matter can be resolved as soon as possible.
Product: Debt collection

I've tried to pay this debt. On my credit report I have three different debt accounts from this debt collection company. One debt say XXXX, {$180.00}, and {$70.00}. However, when I call they say I them owe {$1000.00} for medical biils. I refused to pay them because I'm only responsible for what's on my credit report. What they're doing is illegal. Someone has to call them, and prentend to be me, so you'll get to the truth!! I'm only willing to pay what's on my credit report, and that's it!! Here 's their information EVERGREEN PRO RECOVERIES XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX ( XXXX ) XXXX. 
I've tried a couple of times, but they claim that I owe them {$1000.00}, but my credit report states a different amount.
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/XXXX I notified TransUnion credit bureau that I was having trouble getting online access to my credit information. After much discussion I was informed that my on-line access was blocked permanently. I inquired why this is and no one, at first, could explain the reason. After more phone calls a little bit of information came out. Transunion claims that something " possibly '' fraudulent took place with my account in XXXX. I was never informed of this nor was I given a chance to help resolve the problem and the permanent block was placed permanently on my on-line access. I explained that I wanted the block removed immediately and they refused and even hung up on me during a phone call. They will tell you that I have telephone access to my information but I don't feel secure in discussing credit information and details of my credit history over the phone. I only found out about this block when I saw credit information at closing on a new house. Where the other XXXX bureaus provided credit scores Transunion had replied " Blocked '' to the request for credit information. This peaked my interest and that was when I started calling Transunion about the situation. It didn't stop my wife and I from getting approval on the new house because the other XXXX scores are excellent and my wife 's scores are excellent also. However recently I applied for a car loan and XXXX XXXX denied me a loan due to incomplete credit information. I can see how this will be a problem in the future if a need for credit comes up again. I have been unable to get Transunion to change their position on this with no explanation on why the block exists. They will tell you that this is for my protection. I disagree. they are not allowing me access to " My '' information on-line and I want the freedom to access " My '' information on-line restored immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Account ACCOUNT # XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT KEEP REAPPEAR ON MY CREDIT, I FEEL THIS IS BEING DONE ON PURPOSE.
Product: Money transfer, virtual currency, or money service

On XX/XX/26 I paid my landscaper thru zelle. He said he didn't get the transfer. I showed him the notice that they sent saying they sent the money. The a few minutes later got another email from them saying that it will be on hold for 24 hrs and he will get it the following day. Two days later he called to let me know he still has not received the funds. I called them on the XXXX at approx XXXX and they said then he would have ot this morning in his account. And still has not occurred. They took the money the second I sent the transfer request and have been giving a run around ever since. 

Thanks for any assistance you can provide.
Product: Debt collection

For more than a month I have been receiving automated dunning calls from XXXX. The caller purports to be calling from Caine & Weiner, a California collection agency. The calls are directed to my cell phone. The call is directed to XXXX XXXX and asks for a call back to XXXX extn. XXXX. No caller name was provided. The latest of these calls occurred at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and today at XXXX XXXX XXXX, all XXXX. The debt is not mine. I do not know a XXXX XXXX. On XXXX XXXX I sent an email to XXXX, president and CEO of the firm, directing him to stop these harassing calls but they still persist. The email went unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with my bank and find out that there has been a freeze or fraud alert put on my accounts with experian and equifax. I contacted both reporting agencies and they said the I or another credit reporting agency requested to have this fraud alert placed on my credit and they refuse to remove it without sending a complicated letter including tremendous amounts of information making it extra difficult for myself to access my credit. Why they do this I am not sure but from my research this is happening to alot of people. 
Really all I want is the freeze or fraud alert removed from my experian and equifax credit reports. 


Thank you XXXX XXXX Safety Engineer XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX  MO, XXXX 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: Checking or savings account

I have automatic payments in my account and also banks alerts when my account is below {$50.00}. The cut off time for my Bank is XXXX eastern time after this time if I make a deposit or transfer will be post it on my account the next business day, however Chase bank allows a merchant to post on my account between the XXXX and XXXX to charge insufficient fund fees on the account, we didnt received the alert on the account and not ODP. Today we received an alert from chase bank letting us know that the account was negative with 2 insufficient funds fees, when I called the bank for the bank error, they told me that was not an error and they will not reversed the fees because is a bank policy and is nothing they can do. This not the first time I had issues with chase, sometimes I make the transfer or deposits before XXXX eastern time and they charge me insufficient funds fees, sometimes they reversed but not as a bank error, they said is a courtesy but that not rigth they charge fees to the clients to get some money from us. Even if we do n't get our fees back, I would like an investigation to chase with the consumer accounts, I am pretty sure they following the steps of XXXX XXXX XXXX, charging unfair fees to the clients.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equivalence to have account removed from credit report citing violations pertaining to my consent and privacy Siting these US Codes Title 15 Chapter 41 1681b Permissable Purpose Title 16 Chapter 94 I was like accounts removed from my credit report. 

Equifax and XXXX acted fraudulently and on my behalf and I did not knowingly consent to these partial practices as they are violations of my consumer rights
Product: Credit card

On XXXX XXXX I became XXXX  XXXX. I have 3 credit cards that were issued by a Genesis FS Card Services that has been recently taken over by Concora Credit. I have credit protection on all three cards. I contacted the company and uploaded the information as requested to initiate credit protection on my accounts. Benefit payments were not being paid so I contacted the company again. The agent stated that the request was still being processed. It is now the end of XXXX and credit protection benefits are not being made.
Product: Debt collection

Midland Credit Management sent my debt summons to XXXX XXXX XXXX on XXXX. XXXX responded bas with no deposits no account. There were no reasons why Midland Credit Management sent my information that was on the summons to a 3rd party I had no connection to. I feel my information was compromised. Also it was deceptive and unfair practice under the Fair Debt Collection Practices Act
Product: Mortgage

On XX/XX/XXXX my repairs contractor signed a " lien waiver and release '' form, supplied by my Sun West Mortgage, as a condition for them to release my insurance funds, allocated for my pool repair, which falls under the " other structures '' coverage of my insurance policy. The Lien Waiver and Release form states, " The total of all charges for, and in connection with, all such services, labor and/or materials performed or furnished by Contractor will be paid in full to Contractor upon receipt of completed lien waiver ... '' My mortgage company did not abide by their own contract to release funds, in full, per the contract. I did not complain about it then, but feel I must bring this, likely, UDAAP violation to the CFPB 's attention because on XX/XX/XXXX, I requested the release of additional funds to my repairs contractor and was told an inspection was required prior to the release of funds. An inspector came out on XX/XX/XXXX and performed the inspection. I followed up and was told the inspection had not yet come in. Eventually, when I followed up on XX/XX/XXXX, I was told that the inspector, sent by Sun West, did not do a sufficient enough job with the photos for funds to be released and Sun West requested that I, personally, provide additional photos as the aforementioned inspector didn't provide proper documentation for my funds to be released to my contractor. I supplied the requested photo on XX/XX/XXXX. When I followed up on XX/XX/XXXX, I was told that a supervisor had to review the request to release funds to the contractor and it would take an additional 3-5 business days for the review to take place. When I mentioned that my contractor signed a lien waiver and release form stating the contractor would be paid in full upon the receipt of the lien waiver and it didn't happen, I was told it didn't matter what the Lien Waiver and Release form stated and that Sun West Mortgage had a right to verbally impose additional requirements before releasing any funds. I ask that the CFPB investigate this as it seems to violate the CFPB 's Unfair, Deceptive, or Abusive Acts or Practices policy due to Sun West Mortgage not abiding by their own Lien Waiver and Release contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling with XXXX XXXX and than XXXX since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a XXXX XXXX XXXX XXXX all XXXX, XXXX, XXXX, XXXX I had all XXXX XXXX XXXX XXXXXXXX and couldnt leave the house I was in and out of the hospital.XXXX  stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with XXXX they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over 37,000 and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no XXXX XXXX nor XXXX was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.
Product: Credit reporting

Equifax nor XXXX did not send me the proof that I requested on several inaccurate, erroneous accounts that are being reported on my credit. I feel as though they are refusing to help me with the issues I am having with specific creditors and collection agencies. I have sent them multiple letters and request to no avail. I feel as though I am being discriminated against and would like to have both credit bureaus investigated for not providing me proper documentation.
Product: Credit reporting or other personal consumer reports

I saw a fraudulent inquiry in my equifax account that i wanted to remove. please help me removing this as soon as possible. Thank you, XXXX XXXX CRED inquiry date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

A collections agency somehow is reporting that I opened a new account. That is a blatant lie and when I told Experien, they did not fix it and will not look into it again as I already notified them it was fraud entitled and an attempt to extort money from me.
Product: Debt collection

A home equity loan came due in XX/XX/XXXX. Tried to settle with the bank which purchased the orginal loan from XXXX XXXX XXXX XXXX XXXX went under ). When into the bank in XXXX, Ca. talked to two sells rep and one manager to try and settle it with another loan, denied. Then the calls started apx XX/XX/XXXX to my office XXXX XXXX XXXX. I asked not to call me at this number due to it being a work number, failed. They kept calling 3-4 times a day then added a rebo call to the person calling. Went on for several months XXXX XXXX XXXX. during the last month or so I received a letter asking to settle for have of the amount. I was thinking it over and checking my finances. Then I got another robo call and then a person call XXXX XXXX XXXX. That told me that the left hand was not talking to the right. Now served with a court date I'm trying to get a loan to pay the amount. But found out that they put a Charge Off on the credit which makes it hard. But they are showing two amounts which one is the full amount owed and the other for a couple hundred more. A charge off is stated for amount settled for which is lower than what is owed. I tried to contact the company ( us bank ) one by u.s.mail and the other by fax. To this date no response.
Product: Mortgage

XXXX was my servicing company prior to Select Portfolio Servicing Inc., I've called them on several occasions to provide me an explanation of my amortization not amortizing correctly. My issue is that approximately XXXX cents to {$1.00} is going towards my principal. I was told at one point that everything will come together upon the end of the contract which is in XX/XX/2036. I don't see that happening based on the loan not amortizing appropriately. SPS has all documents.
Product: Checking or savings account

Citiban has blocked access to all of my accounts with no reason. They claimed that a letter was mailed on XX/XX/year> but as of the date of the complaint ne letter. The keep refusinfg to unblock my accounts. I have paid bills on my account such as rent and truck payments. No since they blocked my accounts my payments are lake and it affecting my credit. My rent has aready charged me a {$50.00} late fee and the late for my truck will be posted on my credit report. Thia is unacceptable. I been calling them every since the accounts been blocked and keep getting the run around.
Product: Credit reporting or other personal consumer reports

Misrepresentation of information was reported to my Consumer Report as Insurance paid for my car load with Lobel Financial Corp. Notice that this is not a Credit report but a Consumer report which reflects my credit worthiness meaning any written information barring on a persons credit worthiness which are independent from the Factors of XXXX should not reflect on ones Consumer Report. Congress says any transaction or experiences which goes against congress as the False report to my Consumer Report indicates a late negative payment transaction.
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 : Account name : XXXX 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 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

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account [ account number XXXX ] that i have in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Product: Money transfer, virtual currency, or money service

PNC made a change that prevents me from being able to link my accounts to XXXX to pay for stock option exercise