23daVinci/CFPB_Complaints huggingface dataset:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 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

This might be my eighth request for this error to be corrected through the CFPB, yet the issue remains unresolved, and it seems no one is taking action or offering assistance. Although a TransUnion representative updated my address and phone number, I am still locked out of the system. I need to have my credit unfrozen temporarily. Despite multiple calls, submitting my ID copies, and providing proof of identity through mail, the problem persists. What else is required of me? The situation has become untenable. Even a direct contact from a TransUnion representative to resolve this would be extremely helpful. At this juncture, it feels personal. The screenshot I submitted today evidences my attempt. When the response email was not forthcoming, I called on Wednesday and Friday, only to encounter rude TransUnion representatives who were unhelpful.
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts reporting on my credit report that I have no knowledge of.I have filed an ftc with XXXX, tranunion, and XXXX and need these removes from my report as soon as possible.I feel as if I am being taken advantage of.
Product: Debt collection

To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : XXXX. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 

XXXX. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the lAw
Product: Credit card or prepaid card

On XX/XX/23 someone, somehow fraudulently opened an IKEA Projekt Credit Card in my name ( I have never had an IKEA card at any point in time ). I didn't realize this until I was mailed an actual credit card along with a statement to my house on XX/XX/23. I called IKEA to report the fraud and asked that they close the account and report to the 3 credit bureaus. I also called the 3 credit bureaus, placed a freeze as well as opened a dispute with IKEA and the credit bureaus. I also opened a dispute with IdentityTheft.gov and even went to the police station to file a report for identify theft. I went to the post office as well to make sure no one tried to forward my mail. I have excellent credit ( XXXX ) and have never had a late payment or issue in the past. 

On XX/XX/23 I called IKEA back as it appeared from one of the credit agencies that the dispute was closed. I was informed that the account was closed on XX/XX/23 ( though I called on XX/XX/23 to have this closed ) and they said the account was valid so they had also closed the dispute. In speaking with the customer agent and asking them to re-open the dispute I wondered how someone could have opened this account in my name. She mentioned they allow for " virtual cards ''. I then went on the IKEA website and tried to walk through the process of how an account could be opened. Apparently you can pre-qualify for a card with just your mobile #, last 4 digits of an SSN and zip code. This is unbelievable! I told the agent that everyone uses this information to authenticate when you call into any customer service center. So anyone has this and can then go to IKEA.com and open a card. I believe this is what could have happened since there were only charges on that one day ( XX/XX/23 ) and then the physical card was then mailed to my house. I don't believe my SSN was fully compromised as there have been no other fraudulent activity on my credit report, just this IKEA card. This tells me that someone knew how easy it was to open a card with IKEA and it could have been any number of people who authenticate individuals with their phone number, last 4 digits of their SSN and address.
Product: Money transfer, virtual currency, or money service

Long story short, I deposited a cashier 's check for {$10000.00} into my 5/3rd checking account, which did have existing funds deposited and available prior to this deposit, on XX/XX/2023. I did so in person at the local branch and was told by the cashier that the funds would be available the next day. That should have been the first red flag because I've never heard of a hold being placed on a cashier 's check from a major national bank, but as a consumer you tend to believe what the bank agents tell you. Today is XX/XX/2023 and the funds are still not available to me, despite the fact I was specifically told, in writing ( boom ), that they would be available on this date in the morning by the bank 's representative. More so, the customer service, if you can call it that, has issued many reasons for there being a hold on the deposit, all which I have in writing and can't wait to submit. These include, " it's for my own protection to avoid overdraft fees '', " unable to verify the fund 's availability in the initial processing with the check issuer 's bank ''. I'd like to point out again that it is a cashier 's check from XXXX XXXX so the check issuer and the check issuer 's bank are one in the same. They even went as far to suggest that the check could be a fraud and the funds again have to be verified, hence the hold. When I asked why they couldn't simply call XXXX XXXX  since they have the check number, date issued, amount, and payees, they told me " customer service can not make phone calls ''. 

I'm just going to attach a bunch of screenshots that show everything in writing and prove that this was gross misconduct on behalf of 5/3rd bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters on two different ocassions and the first time the bureau stated they did not receive it so I sent another copy on XX/XX/21. I sent letters to each bureau about unauthorized items that appeared on my credit report, I contacted the federal trade commission to file the identity report and mailed a copy of my police report in to them and I have not received a response yet. I feel like I'm being victimized all over again because the bureaus are not trying to help seems like they just want to continue to make money off the negative information. I feel like they dont care if its right or wrong Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX and XXXX  data breach and seems to have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX , am a victim of identity theft. There are multiple fraudulent accounts on my credit prole from various companies like XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and egregious collection accounts from XXXX XXXX and XXXX XXXX XXXXXXXX. I demand that all negative/adverse remarks are immediately and permanently deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX, I was in the home buying process. My wife and I had great credit according to the loan XXXXXXXX, however I was told Equifax had placed a freeze on my account that I had no knowledge of. I called them and they told me I had to verify my identity by sending personal documents, because my social was under someone elses name, and there was no credit history in my name ( have had credit card for years ) I faxed these docs in XXXX, multiple times, and mailed them. I had do manual underwriting on my mortgage loan or else I would have lost the house because of Equifax. The last week of XX/XX/2020, I was told my documents were finally received and that the issue was fixed, and to wait XXXX months to see a score appear. Flash forward to now, I call Equifax, they tell me I have NO CREDIT HISTORY again. And I have to send in My personal documents, AGAIN. My problem was never fixed apparently. There are multiple other people who have had this problem. My wife and I have a home improvement loan, a mortgage, and credit cards. I have not had an issue with other credit bureaus. I feel like my life is being held XXXX by Equifax, I wont be able to get any type of loan in just my name despite having a responsible credit history because Equifax wont fix my report and still thinks I dont exist.
Product: Credit reporting or other personal consumer reports

It had been more than 4 years since I requested for this to be moved and it is still showing on my credit report.
Product: Debt collection

XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX, XXXX, SC XXXX Re : XXXX Dear LVNV Funding LLC, I am responding to your communication about a debt youre trying to collect. You contacted me by Mail and identified the debt as {$720.00} Please send the following information : Tax form 1099-C for the charge off account as well as further proof of ownership statements were sent but no other information was sent over to prove the account was opened by me. Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX ( XXXX XXXX ) {$250.00} XXXX XXXX XXXX x 2 ( XXXX ga ) {$200.00} & $ XXXX XXXX x 2 {$76.00} & XXXX Withdrawal @ atm XXXX XXXX XXXX XXXX ga XXXX ( XXXX XXXX  ) {$230.00} All took place on XX/XX/18 Stroller rental {$5.00}
Product: Money transfer, virtual currency, or money service

I initiated a payment to another party on PayPal. I recently closed my XXXX checking account causing the payment to not occur. Since I had my credit card number saved on Paypal, the company automatically used that as a payment method. I never opted in to allowing my credit card as a backup funding method. I also could not find such an option where I could opt out of this business rule. I find it highly alarming that PayPal gave itself access to use a different payment method than what I selected to fund my payment to that other party.
Product: Mortgage

Complaint is with Chase, mortgage # XXXX In XX/XX/XXXX Chase acquired my mortgage from Washington Mutual XX/XX/XXXXwith a balance of {$370000.00}. 
Payments were made regularly ( admit there were some late payments arriving just after the 15th of the month ), until a modification was done in XX/XX/XXXX. The modification balance was {$410000.00} with a balloon payment due in XX/XX/XXXX of {$88000.00}, which raises the total amount to {$500000.00} from an original balance of {$370000.00}. From XX/XX/XXXX to XX/XX/XXXX Chase was paid {$92000.00}, with no reduction in principal, and no equity left in the property. 

My question is how did the note of {$370000.00} in XXXX get to {$410000.00} in XXXX a {$40000.00} increase in the principal amount when payments were made each month, and still have no equity in the property plus an increase in the balance owed. Since XXXX all payments have been on time, with a current principal balance of {$360000.00}. How is it possible for an original note of {$370000.00} to be reduced by only {$11000.00} over a period of thirteen years. What happened to the {$200000.00} paid to Chase. 
since XXXX?? 


Current balance of principal is {$360000.00}.
Product: Debt collection

I was alerted by XXXX credit agency that new activity appeared on my credit report. A account went into collections from credence resource management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx, XXXX, XXXX, acct- XXXX, date opened,, XX/XX/XXXX, original creditor is Att for the amount of XXXX. I completed an online dispute XX/XX/XXXX, this is fraudulent activity, I did not open any accounts with anybody on XX/XX/XXXX, nor am I aware and have never recieved any correspondence from XXXX or this company about any past due monies owed by me. This activity appeared out of the blue on my credit report XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX and had a military star card that was on my credit through them and then a third party collection agency called XXXX. The balance for the military star account was taken from the IRS and I also even paid the debt agency the fee that they said they charged for the debt in full. I know it may still be on my report but it's stating from the star card that it was never paid and it was paid XXXX XX/XX/year>. The agency was paid the remaining balance on the XXXX. I pulled my report and I am still seeing this reflected on my credit and I am in the process of buying a home and I do have receipts. I want this balance updated.
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not XXXX  % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 
These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. XXXX XXXX {$390.00} XXXX  XXXX {$1000.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$620.00} XXXX/XXXX  XXXX {$4100.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX XXXX {$950.00} XXXX  XXXX {$7900.00} XXXX XXXX {$1200.00} XXXX XXXX {$410.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$1200.00}
Product: Mortgage

My husband and I issued the attached complaint letter to Fifth Third Bank attention Office of the President. We received an apology letter as a response. I do not feel that this is sufficient based on the banks shortcomings in their communication, lack of preparation for the new mortgage guidelines and delays in the closing process. Our closing process was the most stressful situation we have ever experienced and this is admittedly Fifth Thirds fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have the time or emotional energy left to list all the specific details you wnat. 
Experian 's system always gives me issues when the other two companies do not. 

I can not get their system to simply work to unfreeze my credit file and I always have to mail them a letter about it becuase the online system ALWAYS boots me to this page that says I MUST MAIL A LETTER AND COPIS OF DL, SS card, utility bill. 
I try their Credit Unlock/Lock that is suppossed to allow credit inquiries and it has no affect whatsoever, they still tell credit inquiries that my file is frozen and will give them no info. 

The phone system they have gave such limited choices last year that just trying to get to a human being for help led them to AUTOMATICALLY Reporting Fraud Attempts on my account that set all my credit bureau files on FREEZE. 

This makes the ability to freeze and unfreeze just preposterous and the lock/unlock does not even work.
Product: Credit reporting or other personal consumer reports

Information furnished by XXXX XXXX XXXX from my Bank of America Account is a violation to my rights protected by the FCRA and Privacy Act of 1974. Due to the fact they have took it upon themselves to share my private information without my consent in written format requesting for this furnishing to happen ( I opened an account with them in 2017 ). Under 15 USC 1681b Section 604 ( 2 ), and 5 USC 552 ( b ) Privacy Act of 1974, the conditions for disclosure is, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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. 


EQUIFAX XXXX 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! 


Update the late payments from my consumer reports