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 XXXX XXXX XXXX XXXX # XXXX, 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: Checking or savings account

There has been several times I am charged overdrafts fees over the years. I have been charged even for taking out savings. Also credit not teporting correctly gor my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS LIEN which are not mine. I have sent numerous letters and made numerous phone calls to no avail.

Here are the following dates in which these two items have been addressed : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the Equifax data breach. 

This is corrupted process that XXXX XXXX & Equifax has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX
Product: Checking or savings account

Ally bank sent me promotional email Want a cash bonus up to {$500.00} on XXXX XXXX XXXX 
In order to receive 1 % cash bonus, I have to enroll my account in promotion, move new money, and keep new money through XX/XX/XXXX. I enrolled my Ally saving account, moved {$30000.00} from external bank and kept the balance. Ally sent me email stated Im enrolled. 
My account is in good standing, but I still do not receive {$300.00} bonus, which should be paid on XX/XX/XXXX. 
I spoke numerous times with Customer Service by phone, opened case # XXXX in XXXX, and finally received message from Ally on XX/XX/XXXX. 
Please read attachment. It takes more than 1 month to tell me that the issue is still investigated and there is no resolution end date. 
I hope this complaint can help me to solve the problem.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I terminated my internet service with XXXX. They informed me that I needed to return their device or be charged {$490.00}. I returned the device and have proof of delivery. However, I was still charged the amount on my bill. I contacted XXXX 's customer service, provided proof of the return, and was told to wait while they resolved the issue. 

In XX/XX/year>, I was informed that XXXX had reported a collection account on my credit report. This is incorrect, as I returned the device and owed them nothing. 

In XX/XX/year>, I disputed this matter with the three credit bureaus, providing evidence that I had returned the device and did not owe XXXX any money. However, XXXX and XXXX failed to properly investigate my claim. They sided with XXXX without reviewing the evidence I submitted, which is unacceptable. 

I have never owed XXXX anything since I returned their device. The three credit bureaus failed to conduct a proper investigation, did not contact me to review my side of the case, and did not address the evidence I provided.
Product: Checking or savings account

To whom it may concern : I have been a Bank of America Client since XXXX and I opened a Privacy Assist account in XXXXEver since my account has been charged XXXX every month and the service had been disconnected that same year. I called Bank of America several times and transferred me saying that they were not responsible for the refund, so I have been back and forth form the bank to the Privacy Assist help line. 
So, XXXX x XXXX XXXX ( one year ) and XXXX x XXXX = XXXX ( 12 years ). 
I am asking for your help, so I can collect my money back and things would be fare and square. 
Thank you.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices.you need to cease and desist all collection efforts Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the following inquiies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am trying my best to obtain a mortgage to move into a new home and some late payments are coming up on my report that are making it difficult to be approved. The mortgage this related to was my first property and first time being a landlord and I was really inexperienced with the damages that could be caused in the future in losing tenants, late payments, and the delays that can happen in trying to sell a property. 

Below are the months and dates that i would like to considered to be removed from my report Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - loss of a tenant Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - loss of a tenant Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - Property sale closing was delayed past the agreed date with the buyer Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - Property sale closing was delayed past the agreed date with the buyer Thank you!
Product: Credit reporting or other personal consumer reports

I am putting a Formal Complaint Against Equifax for Non-Compliance with Request to Remove Incorrect Information from Credit Report I am writing to bring to your attention a serious issue I have encountered with Equifax, XXXX of the major credit reporting agencies. Despite my efforts to rectify inaccuracies in my consumer credit report, I have faced persistent challenges with Equifax 's unwillingness to comply with my requests. 
On XX/XX/2024, I called Equifax regarding XXXX major issues. The first issue was that I could not monitor my credit reports through XXXX XXXX. So I called them and they were not able to identify me. So Equifax blocked the ability to view my consumer file. Upon further investigation I found a SSN not belonging to me XXXX XXXX. I also saw that there were a few addresses in which I can not receive mail or that I never lived. I asked Equifax to remove this information. On XX/XX/2024 I sent Equifax a letter of investigation to remove and restore my information. However, to my dismay, Equifax has not taken the necessary steps to remove this outdated information, adversely affecting my creditworthiness. 
This is an alarming error that raises serious concerns about the accuracy and security of the information maintained by Equifax. I believe it is imperative to address this issue promptly to prevent any potential identity theft or further damage to my credit profile. According to the FCRA my information must be 100 % accurate 100 % verifiable 100 % timely.This is a major violation committed by Equifax.
Product: Checking or savings account

I do not have a XXXX account an it shows I do. Also had to report to XXXX banks of online compromise with cash app. I think its someone I know that doing it but not sure cash app is not refunding or compromising the money taken from my bank account to cash app an the banks said I need to give time bit its been XXXX weeks an now on my report o see XXXX an I don't have XXXX account never have Also XXXX & XXXX account thru online set up... I have no accoint an my identity his been used. 
Cash app has business account which I did not do as well which is being used to money filter an I have requested multiple time to no avail. My bank show money from my account to cash app an I have never taken money from either citizen bank nor my regions to apply toward cash app. I only received money from XXXX people an never sent money but XXXX time to XXXX person and the money is not in my account nor on the cash card. I so have files that prove this an the actions I've begged them to do however I can't upload the file for some safety feature however if need I can mail them. cash app should close any an all cards exsept $ XXXX an all business under my ss XXXX an investigate for arresting who is stealing an laundry money thru cash app using someone else 's identity
Product: Debt collection

I paid off an account that I wasnt aware of and wasnt on my credit report. The correct account is still unpaid-they wont transfer the funds from the incorrect account to the account that is on my credit report. The account they had me pay is from 9 years ago and I contacted XXXX they verified the incorrect account is not in there system with my social security only the one that is on my credit report. It was never indicated to me there were 2 accounts under my name from XXXX.
Product: Checking or savings account

I went to a wells fargo in XXXX, pa. I have 2 accounts there with substantial money in both accounts. I gave manager my valid license and she refused to cash a XXXX wells fargo check, my check. I had credit cards, medicare card, XXXX XXXX XXXX with me and she said no cash. She said the only way to cash my check is only with wells fargo debit card, which I do not have or want. I was a long term customer of wells fargo for decades. I filed 3 complaints with this psycho woman and they took her side. I need help with this matter.
Product: Checking or savings account

This is the message I sent to Pentagon Federal Credit Union XX/XX/XXXX : Hello PFCU I'm being charged fees for using ATM listed on your website as surcharge free and the ATM in D.C. that utilizes an XXXX  system. So I would like all my fees returned because these charges are incorrect according to your ( PFCU ) policy. Pentagon FCU has been charging me incorrect fees for ATM usage. These ATM fall under the guidelines PFCU. Also I was told by a PFCU representative on XX/XX/XXXX that if I use an ATM that has an XXXX   System I would not be charged any fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.remove these accounts from my report because they do not belong to me and was opened while I was in prison fro 10 years im uploading all supporting documents. I just got off the phone with a supervisor name XXXX who was no help and would not help or listen was very rude and did not pull up documents I mailed in multiple times to this agency to show proof these accounts are indeed not mine. 
XXXX XXXX account # XXXX balance {$3700.00} opened XX/XX/XXXX XXXX XXXX account # XXXX balance {$1600.00} opened XX/XX/XXXX XXXX XXXX account # XXXX balance {$22000.00} opened XX/XX/XXXX My name should be spelled as XXXX XXXX and address is XXXX XXXX XXXX XXXX I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
This agency will be sued I have been sending paperwork for months and no resolutions to this problem when all documentation shows proof I did not open this account and I mailed another round of complaints again overnight mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX USPS
Product: Student loan

I was charged capitalized interest for being 3 weeks late verifying my income. I received just a standard " New document ready to view! '' XX/XX/XXXX. This is well before the renewal date and in no way indicated in the email any action was required on my part. 

I only went and checked verify because I was concerned I had n't received notification it was time for me to do so. While I was able to verify and lower my payment back to IBR levels I took an almost {$4000.00} hit on capitalized interest. 

This process is incredibly deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This made a negative impact on me, especially when using credit transactions and so, I want this to be taken care of.
Product: Mortgage

XXXX XXXX caused late payment bank was notified and said it was okay still reported late payment
Product: Checking or savings account

The problem is with Synchrony Bank. The proper forms to request IRA required minimum withdrawals were mailed to Synchrony Bank. They acknowleged receipt on XX/XX/2019.I called on XX/XX/XXXX, to determine the status of my request, and was told processing takes 3 to 5 business days.The XXXX was, of course, already the 5 day nad the transaction had not yet been processed. On checked on line today, XX/XX/XXXX, and found the transaction had not yet been processed. In, addition, I was told the transaction would take place within the next three business days. I asked to speak with a supervisor and was told I would receive a call back within two days. 

I have a major concern : doesn't Synchrony have the funds available for disbursement : do they have a liquidity problem : are they in danger of failing? 
Secondly, what type of customer service service is this?
Product: Credit card or prepaid card

American Express received a credit for {$12000.00} XX/XX/2020, for a trip I'd paid for and was cancelled. I asked American Express to return my credit to my checking account. A representative named XXXX Gave me a partial reimbursement by wire and promised to send me a check for the remainder. That was XX/XX/2020. Today is XX/XX/XXXX and I discovered that American Express representatives lied to me twice and never sent the check. Today I asked for my refund again, and they are making it difficult and kept me on the phone for 2 hours.
Product: Vehicle loan or lease

Hello Forsight Capital is saying that I owe them {$11.00}, XXXX. I am concerned about this because I don't believe that I owe them anything. I am a victim of XXXX  XXXX. Around the time that they say I signed a loan I was under duress and under the influence of XXXX  and XXXX  just to be able to cope with being forced to XXXX XXXX XXXX. I truly don't remember signing for that car. I truly apologize for the inconveniences but I don't know if this company is a legit company because I Foursight said that they sold the account and it shows Charged off on my credit report. So I don't know what is going on. Please can Forsight Capital send me the ORGINAL binding contract signed by both parties & a witness in WET INK signatures? As well as show me the TWO forms of my identification that is needed to obtain a loan and can therefore prove that I was the one getting the loan? I also need the legal name of the company who owns the loan because it's not Forsight Capital. Please send me the ORGINAL binding contract Via third party by CERTIFIED MAIL and/ by the sheriff or CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I was XXXX  with XXXX XXXXXXXX in XXXX & XX/XX/2022. This is the third ( XXXX ) time I have contracted XXXX XXXXXXXX and the second ( 2nd ) time, I have been XXXX. 

I informed Synchrony Bank/JCP credit card that I missed the XXXX & XX/XX/2022 payments due to my XXXX XXXX XXXX 

Synchrony BankXXXXJCP failed to correct my 30-day late reporting for XX/XX/2022. 

XXXX XXXX  forced me to miss these payments. I am not sure what i could have done to prevent this. 

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

In early XXXX, I had looked into the possibility of obtaining a personal loan from OneMain Financial. While going through the process and submitting some basic information, I decided against applying for the loan. To be completely clear, I did not finish the application process as they were asking for more documentation I was not comfortable giving to them AND never received any sort of loan offer because the application was never finished. Today, I was notified by XXXX that OneMain Financial had created a hard inquiry for credit score WITHOUT my authorization OR permission, as I had made it extremely clear I was no longer interested in applying for a loan.
Product: Debt collection

XX/XX/XXXX I agreed to " pay '' for my Step daughters ( XXXX XXXX XXXX lease deposit for her student housing XXXX, one of the conditions they had ( I found out after the fact in reading the lease ) for her was that she had to have a cosignnor in order for the lease to be signed. Bottom line when they XXXX forwarded the paperwork for me to sign ( for the lease deposit ) it was asking me to sign on her behalf for the lease. I REFUSED and immediately told her I would not. 

This company " Hunter Warfield '' within 30 days of my refusal to cosign and or sign for the lease ( On XXXX behalf ) started calling me at my place of business, my home and my cell phone weekly threatening me with lawsuits demanding me pay in full for a lease that was never signed ( THEIR OWN TERMS WERE GET A COSIGNOR WHICH SHE COULD NOT, AND NEVER DID ). She told them numerous times she could get no one to sign on her behalf. She eventually found other housing with oter students. It took me over a year just to get the harassing phone calls from Hunter Warfield to STOP. 

Now XXXXforward to XX/XX/XXXX, I decided to refinace, I have a derogatory collection account on MY CREDIT REPORT from Hunter Warfield. I have contacted them numerous times asking what and why I have a {$260.00} unpaid collection charge on my account. I have no clue what and or how this is and neither I nor XXXX ever signed anything agreeing to any charge with this company XXXX. 

in communications with a XXXX XXXX ( Manager at Hunter Warfield, he is no longer there by the way ) he did indeed admit that no lease was ever signed and XXXX XXXX never moved into this facility, he suggested I get a letter from XXXX stating I should not have any costs associated with XXXX or myself and he would work to clear this from my account. 

I got a letter from XXXX XXXX XXXX University stating just that, It is not my charge nor my Step Daughters expense whatsoever, now I 'm dealing with XXXX Hunter Warfield and he is saying now that he needs to " verify '' via letter XXXX that I do n't owe something that I have no clue as to what or why I owe any money whatsoever. 

How is it a company ( I have no idea who Hunter Warfield is, nor did I ever sign any document with them ) can just put a bogus charge on my credit report with zero back up documentation.