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

-A NON DISCHARGED/OPENED OR DISMISSED XXXX XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE TEN YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( How is it reporting at all without my written permission? ) The bankruptcy being reported is reporting without my written permission. I have not provided any written, un-written, verbal and/or non-verbal consent to XXXX, XXXX, and/or Lexis Nexis to report the bankruptcy on my credit report. 15 USC 1681 ( 4 ) " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' Reporting of the bankruptcy without my written consent is a violation of my privacy. 15 USC 1681 ( b ) " ... consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for 'consumer credit, ' personnel, insurance, and other information in a manner which is 'FAIR AND EQUITABLE to the CONSUMER, ' with regard to the CONFIDENTIALITY, accuracy, RELEVANCY, and PROPER UTILIZATION of such information in accordance with the requirements of this subchapter. '' The reporting of the bankruptcy on my credit report WITHOUT my written permission and/or consent is a violation according to the USC definition of permissible purposes. XXXX, XXXX, and/or Lexis Nexis does not have a permissible purpose to report the bankruptcy. Furthermore, reporting of the bankruptcy is not " fair and equitable '' to me, the consumer. uscourts.gov states " Bankruptcy courts DO NOT report to ANY credit reporting agency. '' How is it that XXXX, XXXX, and/or Lexis Nexis reporting the bankruptcy without my written permission? This is my third attempt, requesting removal of the bankruptcy from my credit report. I will be moving forward with an FTC complaint and seeking civil liability charges for willful noncompliance, per USC 1681n.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Thank you for providing a copy of the NOTE. This copy is surely diffrenet from previous versions that I have ever received On the last page it has a blank endorsement from countrywide official. Unfortunately this is a rubber-stamped signatures of XXXXXXXX XXXX XXXX which were surrogate signed onto UNDATED endorsements, meaning signed outside the presence and control of the authorized signor XXXX XXXX XXXX  XXXX XXXX I am uploading a case against defendants XXXX XXXX XXXX XXXX, BANK OF AM ERICA, N .A., XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX ( Collectively referred to herein as the dkDefendants '' ) for their violations of the False Claims Act ( : kFCA '' ), 31 U.S.C. jj 3729 - 3733. this case was settled in favor of plaintiff as serious charges named XXXX and wrong doings were accepted by defendents. The foreclosure case against plaintiff was brought by XXXX but BOA accepted the flase claims of " robosigning '' of endorsing promiossory notes by XXXX XXXX XXXX. surrogates. Such is happening on my NOTE.
Product: Credit card

Company will not let me make payments on the due date. On the day of the due date, they force me to choose the following day, forcing a late fee on me. It is cruel and unnecessary, fraudulent and greedy. Every month I make a payment ON the due date, and I have proof every month when an email comes my way. And CHANGING due dates to the end of the day FOR THE TIME ZONE of the customer. For example, if I am in California, then my due date should be XXXX PACIFIC TIME. MY day is not yet done and I should not be forced to abide by another time zone, and ESPECIALLY XXXX PT when my work day isnt even done yet.
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 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 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX  XXXX Account : XXXX
Product: Debt collection

I have contacted this companies ( XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the Fair debts collection practices acts section 1692G.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account Information - XXXX, Account Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally dispute the information on my credit reports regarding the XXXX account, Account Number : XXXX. After careful review of my credit reports from XXXX and Experian, I have identified significant discrepancies that need to be addressed urgently to ensure the accuracy of my credit information. 

XXXX. **Date Opened Discrepancy : ** - XXXX reports the date opened as XX/XX/2019. 
- Experian reports the date opened as XX/XX/2019. 
-THE ACCOUNT IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened raise concerns about the consistency and accuracy of the reported information. 

XXXX. **Monthly Payment Discrepancy : ** - XXXX reports a monthly payment of {$190.00}. 
- Experian reports a monthly payment of {$190.00}. 
-THE ACCOUNT IS MISSING FROM THE XXXX REPORT Discrepancies in the reported monthly payment amounts suggest a lack of uniformity in the data provided by XXXX XXXX which may impact my credit profile. 

XXXX. **Balance Discrepancy : ** - XXXX reports a balance of {$8200.00}. 
- Experian reports a balance of {$8300.00}. 
-THE ACCOUNT IS MISSING FROM THE XXXX REPORT The inconsistent reporting of the balance on the same account raises questions about the accuracy of the information provided by XXXX XXXX 

XXXX. **Payment Status Discrepancy : ** - XXXX reports the account as " Late 120 Days. '' - Experian reports the account as " Late 150 Days. '' -THE ACCOUNT IS MISSING FROM THE XXXX REPORT The conflicting late payment statuses on the same account across different credit bureaus create confusion and could have a significant impact on my credit score. 

Considering these discrepancies, I request an immediate and thorough investigation into the accuracy of the XXXX account information from Experian. I kindly ask that you delete and block the information accordingly to ensure the accuracy and consistency of my credit reports. 

I appreciate your prompt attention to this matter and request updates on the progress of the investigation within the required time frame. 

Sincerely,
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX  Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$660.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Vehicle was repossessed in XXXX of 2019. I was told the vehicle was released to the auction XX/XX/2019. It is now XX/XX/2019 and I have not received a sale notice, a notice of the company keeping the vehicle, or any letter of that fact. I have called XXXX XXXX XXXX and american credit acceptance and they both said they don't know where the car is or if it has been sold. I have updated my current address with the company so they can not then come back and say they sent to it to my prior address. 

" For a public sale the lender must notify you of the date, time, and place of the sale so you can have a chance to bid on the vehicle. For a private sale the lender must notify you of the time after which the vehicle may be sold. In either a public or private sale, you may be entitled to buy back the vehicle by paying the full loan amount plus the repossession costs before the sale. '' This company has violated rights of the consumer which is me. 

I demand information on the said forth vehicle and a deficiency notice if the vehicle has been sold, how fee 's were calculated and where and when the vehicle was sold and for how much. My credit report is then for to be updated properly on all credit bureau platforms and to immediately stop reporting unverifiable information.
Product: Debt collection

Bay Area Credit Service claims I owe them a debt from XXXX XXXX XXXX. After contacting the debt agency, they refused to transfer me to a supervisor. I informed them this debt was not valid. They did not believe me. I contacted my insurance company who contacted XXXX XXXX XXXX who informed me they never sent the amount due to any credit agency, nor do they have a date of service ( XXXX ) that the credit agency claims is valid, and have stated to my insurance company that my account has been paid completely. After speaking with insurance, I called XXXX and made sure that the date of service was invalid and that the amount ( s ) I owed them had been paid which is what they confirmed to me. After this, I called back the credit agency and asked to speak to a supervisor again. XXXX XXXX refused to send me to a supervisor more than a dozen times, even when I had my spouse get involved to try to solve the invalid debt. XXXX then hung up on us both after 22 minutes and when we called back they did not answer even though it was business hours. I would like to have this organization investigated. How did they even get my medical information!? How did they get an invalid debt with an invalid date of service? They refused to let me speak to a supervisor and claimed it was a valid date even though both my insurance company and XXXX have told me that everything is good on my end and this debt is NOT valid.
Product: Checking or savings account

Ever since I had my account with Chase I write myself a check from my XXXX XXXX XXXX account to transfer money into chase. They returned my check as you can see in the attachments but took the XXXX} out of my XXXX account and never deposited it into my Chase account. I have called their customer service center over 10 times I have been going back and forth with them for 10 days now. I also went into the Chase branch and an employee told me if it is not resolved to contact him on Friday and he would do the footwork for me. I contacted him today and he directed me to the same XXXX number that I have already called multiple times. I verified with XXXX  that they cleared my check and debited my account for the XXXX}. I just want my money back.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 






List of Account Review Inquiries that needs to be deleted from my credit file TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX IN XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX via TRANSUNION XXXX XXXX  XXXX/XXXX/XXXX
Product: Credit card or prepaid card

I did not know I was paying for this service for my Paypal XXXX XXXX Synchrony card until about XXXX when I noticed my balance was not going down even though my minimum payment was over {$100.00} per month. I also lost my job at the time and wanted to file a claim. I contacted Synchrony bank and was told i had to contact the card security department or check the card security website. I remember having the same issue with my Amazon credit card and was able to find this on the card security website and cancel the plan. I tried to attempt this same step with my Paypal card and their website kept saying it cant find my information. I told Synchrony that if it cant find my information then whats the point of paying for this service and Id like to file a claim that this is an unauthorized charge. Instead of putting this charge on hold or putting a stop to it, they just told me to call that department back again. I tried calling again and was told that for some reason my name was not spelled completely and instead of 2 words it was combined in one word and that may have been why they couldnt find it before. I told the representative I wanted to cancel my plan and would like a full refund. I was told it was canceled and that I would get refunded what I paid for the plan which was over {$2600.00} at the time. I check my Paypal app and it stopped show the card security charge so I stopped worrying about it. Then a few days ago I noticed that my balance owed has been increasing even though I havent used this card in at least 2 years. I noticed that through the app it doesnt show the extra charge and I have to download the full statement for it to show the charge. Id like this plan removed from my card and get a refund for what Ive paid for this service up to this date including interest accrued
Product: Mortgage

I need a copy of my Reverse Mortgage. I have spent many hours on hold trying to talk to a customer service agent. All they can pass along a message, Still no phone call to get the copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and sent out letters letting both companies XXXX XXXX bank and XXXX XXXX letting them know this account was fraud and not my account.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX 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 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

XX/XX/XXXX a prepaid card sent back XXXX which they were holding for over three years. I told the prepaid card company that my account was closed with chase bank but they still sent it to them because my mother had contacted the FDIC. So FDIC sent my mother a letter stating that they sent the funds back to my account and provided me with a trace number I called Chase over 10 times and went down to the branch three times and no one can tell me where my money is at. I have a reference number with the FDIC which they said they are fowarding my information to you. No. : XXXX my reference number.
Product: Debt collection

I got XXXX calls from this company, I had several medical bills come in at one time. I was trying to verify when I got another call saying my credit will be ruined by them.
Product: Student loan

My student loans reflect as ok for one month and jump to 90 days late the following month. I don't understand how you become 90 days late in a 30 day period. I've disputed this with all 3 credit reporting agencies. On XX/XX/XXXX I received notification that my dispute filed with one credit reporting agency has been completed. While reviewing changes made to my payment history, I noticed they only corrected one month, XX/XX/XXXX but changed XX/XX/XXXX to 90   days late so nothing was actually fixed. The reporting reflects incorrectly jumping from ok 1 month to 90 days late the following month going back to XXXX.
Product: Credit reporting or other personal consumer reports

This school is not accredited and is not recognized with the better business bureau. I graduated this school in XXXX  and I was never able to get a job with the certificate acquired from this school because the company is fraudulent. I do not feel like I should be responsible for repaying this loan. I tried to reach out to trans union, XXXX and XXXX regarding the situation and their response to it was that the loans were verified and that I would need to continue being responsible for the loan. I do not believe that these companies did enough research into the school or the loans so now I am reaching out to you.
Product: Credit reporting 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 : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX XXXX  XXXX {$0.00} PREF XXXX {$2200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$1800.00}
Product: Checking or savings account

On XX/XX/2020 I wired {$5000.00} from Bank of America in NJ to XXXX XXXX XXXX XXXX. 
Today is XX/XX/2020 and the funds never got to the account i wired the money to. 
I asked the Bank of America to return the funds and credit my account but they say the XXXX XXXX XXXX XXXX  is not returning the funds and they are not even answering us. 
the PDF of the beneficiary 's account is in attach that they never received the funds. 
As result my {$5000.00} is lost and no one seems to take responsibility and do something about it.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your help to remove these fraud items in my credit file : XXXXXXXX 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 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