23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


EQUIFAX CREDENCE RESOURCE XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

I have a title loan on a XXXX XXXX XXXX from TitleMax and I'm being charged an interest rate of 170.21 % for a {$1600.00} loan.
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 USD 1681 Section 604 states, I have the right to privacy. 15 USD 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USD 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as for any purpose.
Product: Bank account or service

REFUSE TO PROCESS CHARGEBACK ON BILLING ERROR. {$510.00} CHARGED ON XXXX/XXXX/2016.
Product: Checking or savings account

To Whom It May Concern, Chase Bank freeze my checking account on XX/XX/XXXX due to SBA loan that got deposited on XX/XX/XXXX for {$9000.00}. Chase bank required me to provide them Employer Identification Number that have to made prior to XX/XX/XXXX which is I do not have. 
As XXXX  XXXX or XXXX XXXX I'm not required to apply for EIN but I can use my Social Number instead. 
Chase Bank refused to unfreeze my checking account despite all the documents that I provide such as state ID, year XXXX 1040 form,XXXX Schedule C form, IRS XXXX Transcript, 1099-K and Email from SBA showing that I have been approved for the loan. 
I can also provide all my tax return prior to XXXX showing that I am a XXXX XXXX or XXXX XXXX. 
Other than {$9000.00} from SBA there also my money that I need it to pay bills for this month but now I can't access at all, some bills like an auto insurance, credit card bill that I paid between XX/XX/XXXX - XX/XX/XXXX was returned and slap me with their fees. 
what Chase bank doing is so wrong specially on difficult time like now.
Product: Credit reporting or other personal consumer reports

In accordance with the rair XXXX XXXX XXXX XXXX XXXX of accounis below nas violated. my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX for {$490.00} XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX reported inaccurate late payment
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A section states : I have the right to privacy.

15 U.S.C. 1681 Section 604 A section states : It also states a consumer reporting agency can not furnish an 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 7 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 have not opened a credit card in over a decade. Synchrony keeps reporting false information to the credit bureau saying I have an account in collections. This is not my account and I need this removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the information on my credit report related to two auto loans for the same vehicle. My credit report shows that I have two separate auto loans with two finance companies, XXXX XXXX and XXXX XXXX XXXX, for the same vehicle, which is inaccurate and has a negative impact on my credit profile. 



I purchased the vehicle from XXXX XXXX and financed the purchase through them. However, without my knowledge or consent, my contract was later sold to XXXX XXXX XXXX, and they are now incorrectly reporting a separate auto loan entry on my credit report. 



I have never entered into any contractual agreement or authorized any loan with XXXX XXXX XXXX. I only have one valid auto loan with XXXX XXXX, and I have been making timely payments as per the terms of our agreement. 



I request that you investigate this matter and remove the erroneous entry of the auto loan from XXXX XXXX XXXX from my credit report. I have attached copies of relevant documents, including the original contract with XXXX XXXX, as evidence to support my dispute. 



Please provide me with written confirmation once the investigation is complete and the incorrect entry has been removed from my credit report. Additionally, I request that you update my credit report to accurately reflect my actual credit history. 



I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and I expect you to comply with the FCRA guidelines throughout the investigation process. 



Thank you for your attention to this matter. I look forward to a prompt resolution. If necessary, I am prepared to take further legal action to protect my rights and creditworthiness. 



Sincerely, XXXX XXXX
Product: Debt collection

I keep receiving the call from XXXX XXXX ( XXXX ) as scam call of debt collection. I don't have any debt.
Product: Debt collection

On XX/XX/2020 XXXX XXXX with XXXX XXXX XXXX called my mother, XXXX XXXX at XXXX XXXX XXXX, asking for XXXX XXXX XXXX XXXX. They were told this wasn't our phone number and were hanged up on twice. 

On XX/XX/2020 XXXX XXXX called XXXX XXXX again. This time they were told that XXXX and XXXX XXXX were not there and that wasn't our phone number. XXXX XXXX said that he was collecting a debt for American Express and said the estimated amount of the debt was {$30000.00}. 

Beyond asking for information about persons location a debt collector is not permitted in the Fair Debt Collection Practice Act to provide any information regarding the debt to any person other than the person they believe owes the debt. 

I called XXXX XXXX XXXX to gather information about the caller. XXXX XXXX freely discussed the debt until I asked for the name of the person who called XXXX XXXX earlier and provided information to someone other than person who they believe owes the debt. XXXX XXXX, once confronted with this question, began asking if I was XXXX XXXX. I advised that I would complain to FTC / CFPB, about this incident and again if any other persons are contacted. 

The phone numbers used by XXXX XXXX for the calls were XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

I have an Account that I want immediately removed since the account was paid under the option XXXX 10 % off of the original amount The Account is From Midland Credit Management MCM Account Number = XXXX Amount {$700.00} XXXX paid the account XX/XX/year> in the amount of {$630.00} as part of the payment agreement agreed upon by myself and midland credit and request that this account be removed from my credit report ASAP as it is now reporting falsely on my credit
Product: Credit card or prepaid card

Chase Bank says I have a bank card with a {$6000.00} limit. They said they know this through credit reporting. I do not have this card. " They '' XXXX from level support 2 told me to cancel it myself. I have other credit cards so I do not know why this is the only one they are " monitoring. '' This is a fraudulent card. They said I opened it up in 2018. I did not open up any credit cards in 2018. I also have a temporary credit freeze for new accounts. They say it is a CBNA card. They say there is {$180.00} on the account. The number I called is XXXX at XXXX XXXX this morning XXXX.
Product: Student loan

XXXX XXXX was removed from paid ahead status but the SAVE payment calculation is incorrect. My original save payment calculation for that loan was XXXX but aidvantage is currently reporting that I will owe XXXX under SAVE. 

this is incorrect- the XXXX is what I would owe if I were on the standard repayment plan. 
They refuse to update the payment amount due.
Product: Money transfer, virtual currency, or money service

On XX/XX/17, I used PayPal to pay for tickets to playoff game totalling {$400.00}. I paid for the tickets but never received them. I tried to call PayPal with 15 minutes of making the payment but there was a 1.5 hour customer service wait so I opted for the call back. 1.5 hours later I received a call and spent 2 hours and talked with 3 different people ( 1 customer service, 1 something else, and 1 fraud department ). I was told by a representative of PayPal to call my bank and stop payment which was successful. I was also told by PayPal that  if they did n't receive funds from my bank that they would look to seller/receiver of the funds to return the $ and not me. I was told it would n't impact my account and there would be no penalty or fine on my account. Subsequently, my account was put to credit and collections so all the information provided to me by a representative of PayPal proved to be incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX Inquiry ( Bank ) XX/XX/XXXX XXXX Inquiry ( Finance ) XX/XX/XXXX 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continues to re-report an old debt that I owe them. It was charger off in XX/XX/2020, yet, they continue to re-report the same debt. My credit score has already previously taken the hit for falling behind on the debt, as well as, it being a charged off. Now, it has taken another hit recently, due XXXX XXXX XXXX  re-reporting this same debt. I am not even sure if this is legal, however, it seems as if the company is trying to be malicious. Why keep re-reporting the same account to further negatively impact my credit score. I have been trying extremely hard to rebuild my credit for the last XXXX years. I have been making all on time payments to all open accounts for the last XXXX years. I dont dispute the balance owed to XXXX XXXX, however, I am reporting them for maliciously trying to further negatively impact my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX ( Married name ) opened a Credit Card with XXXX  XXXX XXXX with a credit line of {$800.00} on XX/XX/XXXX as XXXX XXXX ( Single Name ) because of lack of communication at the branch where i opened since i didn't speak XXXX neither XXXX which the XXXX  XXXX XXXX associate spoke, i didn't make payments on time, so it went for collection. 
But i never refused to pay for my debt, i just refused to pay the outrageous bank over fees, so as it went for collection i negotiated with the collection agency and Settled the balance in Full. 
Also i want to report XXXX  XXXX XXXX for fraudulently using my married Name to report on my new social Security name that i obtained after my marriage privilege that gave me a status of obtaining a social security number which i didn't have any when i opened this account on XX/XX/XXXX as a Single Lady. 
My Social Security Number only got issued this year on XX/XX/XXXX. 
I am not neglecting to pay any legal amount that i owe, So only what i owed, i paid and settled in Full. 
The Representative at XXXX XXXX XXXX told me that i didn't have to make any payment on this credit card till after 8 months of opening it. 
I invest my money oversees in Banks so i totally understand how horrible fees can be if not managed properly. 
I could even file a Consumer Law Action about this but i rather seek for my rights with Consumer Financial Protection Bureau. 
So i Hope this finds a good hearted person to help me dispute this from my credit correctly. 

Thank you so Much. 
Kind regards XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Discovering that I have been a victim of identity theft has been an incredibly stressful and upsetting experience. My personal information was used without my consent, resulting in unauthorized accounts and transactions appearing on my credit reportaccounts I have no knowledge of or connection to. Taking immediate action, I filed a report with the Federal Trade Commission ( FTC ) as advised by Experian and submitted it in hopes of resolving the issue and having these fraudulent items removed. Despite my efforts, these false entries remain on my credit report, continuing to affect my financial stability and peace of mind.
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 credit union : # 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 vears.
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 card or prepaid card

I want to make a complaint on Citibank for violating CFPB laws. Citibank made a agreement with Costco resulting in my credit and finances being negatively effected because of the card services being switched from previous card servicer. Citibank carded did not honor previous card. Citibank Repeated charged extra fees making my account go over the credit limit changing my APR rate over the course of the credit card. If the card was over the limit they would recalculate my APR and not recalculate my APR when the card was under the limit. CITIBANK would add extra fees for payment if i made a payment over the phone but it took a couple of days to post. Payment was not late and they said they would take off peneltys but would add those fees to balance and not take them off and would not explain the charges. I was charged thousands in illegal charges by deceptive practices. Citibank was unwilling to offer a resolution that was fair and equitable. They choose to sell my account to a 3rd party XXXX XXXX. CITIBANK has ruined my credit and received some money from XXXX XXXX when they on information associated with my account that is false. Citibank ADMINISTRATIVE PROCEDURES File no 2018 BCFP -0003 are proof that cardholders from XXXX CITIBANK where victims of illegal practices.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hold on money in branch bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX account {$99.00} from XX/XX/XXXX {$320.00} from XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I have been making timely monthly payments to XXXX XXXX for a credit debt owed XXXX XXXX. I asked each and every month to receive a monthly statement, to date I never have, just notices telling me to keep making my agree upon payments. I paid the same amount of {$300.00} on XX/XX/2020 through my bank again asking for a statement. I am now receiving notices from a company called Radius, stating I have not made the {$300.00} payment and stating I am late. Again, never receiving any statement at all. I was NEVER notified that XXXX  XXXX had turned this over to whoever Radius is, although I now paid Radius the {$300.00} timely payment on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

My check was supposed to be in my account today XX/XX/XXXX & it isn't there, I called customer service and they hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit lines with XXXXXXXX XXXX have been incorrect since XXXX. The billing history and amounts are not reporting correctly. I made 3 formal complaints for resolution. On my last attempt the agent made a mistake trying to correct the issue and ran 4 new credit inquiries negatively impacting my score. They promised to correct this and it has been more than 30 days with no action taken. This cost me my refinance and has caused undo hardship,
Product: Debt collection

A recent review of my credit report revealed a collection account from Nelson Cruz and Associates with a date of 2016 which is past the statute of limitations to collect debt in the state of Florida, this company is not licensed to collect debt in Florida and I have no knowledge of this unverified debt. I want this debt removed from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit card

In a separate mailing, I received notification that Synchrony Bank is forcing me to receive electronic statements. They are adding a separate fee of {$1.00} for paper statements going forward. Mandatory fee of {$1.00} for paper statements. 
There is no notice on the statement that paper fees will be mandatory. 
I believe that is unfair and discriminatory to those clients that do not have a computer or smart phone and can only get statements by mail. 
I called Synchrony and let them know about this procedure and they did not have a credible response. 
I also believe that this is an unfair " tax '' for those people that don't have electronic means to handle their payments.