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. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and notice 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 15USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, 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 fole 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: Credit card

I've used this self card for 2 years closed that account started new one. 

I'm having issues with new self card. 
I paid 3 payments of {$35.00} to receive my self card. The first payment went through in XX/XX/year> {$36.00}. XX/XX/year> I paid {$64.00} plus {$36.00} because thought it was not accepting my payment. I paid {$35.00} for XX/XX/year>. 

I realized paid over the amount after I received the card after making Three on time payments of {$36.00} plus {$64.00}. I emailed them and they said they said they would apply this {$64.00} over payment to to the {$35.00} Payment To XXXX To XXXX. They did not apply {$64.00} To XXXX ... .... XXXX. That is why I have I have {$52.00} That is locking my account. I spent {$70.00} from credit line of {$100.00} and paid {$70.00} in XXXX. Card should not be locked. I paid in full.
Product: Debt collection

I received a fradulent debt collections attempt by Creditors Collection Service , Inc. for a supposed debt owed to XXXX XXXX XXXX XXXX in the amount of {$55.00}. I have received no evidence that I am responsible for this debt, and XXXX XXXX XXXX has declined to provide any such evidence. 

I made a copayment in full at the time of my visit to XXXX XXXX XXXX XXXX.
Product: Bank account or service

I visited a Wells Fargo located at XXXX XXXX XXXX XXXX in XXXX, NJ on XXXX/XXXX/15. I went inside to make a withdrawal from my checking account. The teller that assisted me was named XXXX.In processing the transaction XXXX advised me that my savings account was closed.I informed her that I knew and that the account was closed because it was initially opened by a branch manager without my permission. XXXX then persisted that I needed to reopen the savings account to avoid the $ XXXX monthly maintenance fee. I told her I was avoiding the fee already by participating in a different activity which also allows me to avoid paying the fee. She told me that the fee is only waived if my checking account is linked to a savings account and simply said " we can reopen that for you today it 's no problem ''. I told her I would think about it, took my withdrawal and left. The information XXXX gave me was completely inaccurate and misleading and was simply an attempt to get a " sale ''. I may not have looked like it because I was dressed in shopping gear, but I work for a bank myself and I know a little about deceptive practices that some individuals use to meet their sales goals. If I did not have inside knowledge, I may have once again fallen victim to these deceptive practices.
Product: Credit card

XX/XX/XXXX - XXXX XXXX  billed me {$7000.00} for a {$70.00} charge XX/XX/XXXX - Dispute opened with CITI bank after XXXX XXXX told me they wouldn't be able to refund XX/XX/XXXX - Documentation sent for the first time XX/XX/XXXX - Incorrect resolution, they said I was responsible but never reviewed documentation or contacted XXXX XXXX  XX/XX/XXXX - dispute reopened XX/XX/XXXX - resent all documentation including original bill XX/XX/XXXX - sent new bill to CITI bank in which XXXX XXXX  claimed they had refunded the bank. I have not recieved a refund XX/XX/XXXX - CITI Bank withdrew the dispute, this was unauthorized XX/XX/XXXX - XXXX request to reopen dispute XX/XX/XXXX - XXXX request to reopen dispute XX/XX/XXXX - call in which CITI Bank confirmed I would receive documentation in 10 business days if the dispute is reopened
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

My whole credit report was exposed to a XXXX XXXX data breach which in facts affects my credit right now to this day because its inquiries on my credit thats not tied to me. Thats not no account of mine that I didnt sign for anything and is a lot of accuracy on my credit report due to the data breach that was just leaked and XXXX a upload attached document stating that my data was breached personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and email have previously been hacked on numerous occasions. I should be getting monitoring free but its not working. Please assist with this issue. A statement is on my report from older issues but the more recent hacking where monitoring was offered to victims, i was excluded and unable to access. I try to monitor it but i am XXXX, so i keep it frozen but it doesn't prevent hacking. Anyway I applied, was approved and received 2 new cards. XXXX XXXX for XXXX $ and XXXX XXXX for XXXX . The inquiries show and XXXX XXXX now appears but XXXX doesn't. I believe its a XXXX or bias against XXXX people. The cards were applied for simultaneously and inquiries show. They also appear online and are open. I am attaching screenshots. XXXX is my home bank. They also have credit monitoring and can supply the COMPLETE ACCURATE information directly. Balances on all accounts is always rolling behind. Its very stressful when I'm making double payments at times to pay off/down. My score should be higher. Im also sending the history. I was over XXXX. I still haven't missed any payments nor been late. Ive paid off accounts at times and my credit limit is higher on all accounts. It makes no sense that my score is below XXXX when my limit is higher with no lates. Also my XXXX is older than listed. XXXX bought out old company but account was already established for years since XXXX. With no lates. Also have a paid XXXX ( closed store ) and paid XXXX XXXX. ( Co sign, closed ). Its all in credit history not sure why research is not being done. Accuracy is important and investigations I've requested have been incomplete. Being XXXX and having Lupus stress is a trigger and i try to avoid it entirely. I shouldn't have to babysit reporting agencies nor should I feel like I'm being treated differently than Caucasian friends whose scores are higher with less credit history, less established and lates. Being in mtg industry and reviewing others credit its ridiculous to see the difference. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the XXXX security breach, I attempted to place a freeze on my credit report with Experian and XXXX and got messages from both that it would cost me {$10.00} to do so because I live in Virginia. This is XXXX. XXXX did n't charged me to place a freeze on my credit. Furthermore, this whole mess is XXXX XXXX fault. XXXX is the one that allowed this breach to occur and it should pay for all consumers to protect themselves and any losses they incur as a result. I should not have to pay Experian 's or XXXX XXXX {$10.00} charge and I wo n't. So, if my credit is stolen as a result of my inability to place a freeze on my credit I will be suing both Experian and XXXX along with XXXX.
Product: Debt collection

Someone from XXXX bank called our house looking for my husband and said they sent court summons to attempt to collect a debt and did not. We do not know about any XXXX debt or line of credit. They threatened to attach my wages being his current wife. No attempt to reach us has happened and they said it was a debt from 2001 They wanted me to settle over the phone for XXXX giving me a case number of XXXX. My husband has no knowledge of this debt unless his ex wife took it out. The phone number was a dispatch dept. XXXX
Product: Credit reporting or other personal consumer reports

Yes these are inquiries that are unauthorized and I would like them to be deleted asap. Heres a list of the unauthorized inquiries And the date they were initiated thats currently reporting.I would like these to be deleted asap thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I set up a consolidation loan with my personal bank, XXXX XXXX. on XX/XX/2018 XXXX XXXX sent by electronic transfer, my payoff balance of {$1500.00} to Synchrony Bank which was received on XX/XX/2018. According to Synchrony Bank that payment was not applied to my account and i still have a balance with them. XXXX XXXX has sent over a letter stating their records show the payment was sent and received. I believe the payment was received but possibly paid to the wrong account. XXXX XXXX sent over a trace number for Synchrony to locate the payment and apply it to my account however Synchrony Bank states that they can not look up a payment by the trace number and need the routing number the bank used to make the payment. I then spoke with XXXX XXXX again and they stated there was no routing number and that Synchrony should be able to locate the payment using the trace number. 
I am at a point where i can not get any further with either bank in locating my payment and applying it to my account with Synchrony Bank. Any help I can get with locating this payment and applying it to my account would be appreciated. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

ON XX/XX/2020 I SENT {$100.00} USD TO A FRIEND IN XXXX PAY {$4.00} USD FOR THAT MONEY TO BE DELIVERED TO HIS ADDRESS, THAT MONEY NEVER ARRIVED AND I HAVE CALLED SEVERAL TIMES TO GET THE MONEY BACK AND THEY HAVE NOT DONE IT, THEY ALWAYS HAVE AN EXCUSE, CURRENTLY I ONLY WANT MY MONEY BACK INTO MY BANK ACCOUNT.
Product: Credit card or prepaid card

I made a payment in full to clear my account balance. I received a confirmation of my payment and a statement in the mail thanking me for my payment along with the statement showing that i clearly had a 0 balance and my full available credit limit. My credit report shows my account is paid in full and has a 0 balance but i can not swipe the card to make a purchase. The funds are well processed from my bank and verified as paid per the information they have provided. I have gotten various dates for release from customer service representatives including tomorrow, or friday and I'm pretty much confirming that this isn't any verification that's needed as much as it is me paying for a product and not allowed to use it until Milestone credit card company gets ready.
Product: Debt collection

XXXX. Received an XXXX XX/XX/XXXX under insurance with XXXX XXXX at XXXX XXXX in NJ. I had received a different kind of XXXX XX/XX/XXXX and followed the same course of action for this XXXX ( which i had no disputes ) XXXX. XXXX XXXX did the XXXX which means they had received pre-authorization from XXXX, otherwise i would be denied my appointment. 
XXXX. XX/XX/XXXX i check my credit report and find a debt collection for XXXX for the XXXX XX/XX/XXXX. 
XXXX. XX/XX/XXXX I Call XXXX and they said I do n't owe but it was n't paid because XXXX XXXX did n't follow the rules. 
XXXX. XXXX sends me a letter confirming I do not owe the money. 
XXXX. XXXX calls XXXX XXXX to resolve situation. XXXX updates me and says XXXX imaging is removing the debt. 
XXXX. I talk to Onlinecollections.com to fax letter XXXX. XXXX of OC says this letter means nothing. 
XXXX I Call XXXX XXXX XXXX XXXX says you have a zero balance and print it out at this online portal. I fax the zero balance bill to online collections. I call online collections and she says it takes 3 XXXX days to get the fax. She says she will call her client XXXX XXXX to check on the balance of the debt. 
XXXX. XX/XX/XXXX XXXX of OC says it is an adjusted bill and their client XXXX XXXX still considers it a debt to be collected. XXXX of OC insists OC does n't own the debt but are working for their client XXXX XXXX. XXXX will not remove the debt from my credit report. 
XXXX. XX/XX/XXXX I call XXXX XXXX today after the above phone call and speak to XXXX who confirms I have a zero balance and there is no debt to be collected. She puts an alert on an email for someone to call/email OC. 

What do I do next? 
Get a letter from XXXX XXXX confirming there is no debt to be collected? How do i get this removed from my credit report? 

I feel helpless. 
thank you
Product: Mortgage

i paid of my mortgage on XXXX XXXX the bank has a check in the amount of {$110000.00} that was sent to me by the insurance co for the damage to my home. I have made numerous calls to get this money sent to me but to no avail. this company has put me through XXXX. my loan # is XXXX please help me get this amount refunded to me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom XXXX concern, The only information attached to my profile should be as stated above or on the attached legal documents. Any other NAMES, ADDRESSES, EMPLOYERS, SOCIAL NUMBERS, must be removed and deleted for they are not accurate. 
You are in direct violation of the Fair Credit Reporting Act, the following accounts have violated several of my rights. 

Accounts : XXXX : XXXX - I have no recollection of this account, furthermore I don't know why it is being reported. This account isn't being reported on either XXXX or XXXX. XXXX claimed that this account has been verified. Under XXXX XXXX XXXX, I am obligated to see the method of verification from the creditor with my written signature stating that this in fact is my account or debt, under law you have 30 days to show me or you must delete. This account is also being reported as a XXXX, which if is the case I have never been sent a XXXX form. Also if this account is XXXX XXXX then it can no longer be considered debt by the consumer, rather it is technically income and makes this report inaccurate so this must be DELETED IMMEDIATELY! 

XXXX XXXX  : XXXX - This account is being reported with XXXX  Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, XXXX. 

XXXX XXXX XXXX  : XXXX - This account is being reported with XXXX Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, XXXX. 

XXXX XXXX XXXX  : XXXX - This account is being reported with XXXX Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, XXXX. 

XXXX  : XXXX - This account is closed, but is reporting a 30 day XXXX payment. Update to XXXX paid as agreed and never late, XXXX. 

XXXX XXXX  XXXX - This account is inaccurate. It is closed but reported as settled for less than balance, and reported with late payment. The account was disputed and sent back as verified. Under US Consumer Code I am obligated to see the method of verification in writing with my written signature stating this is true. You have 30 days to provide me this information or you must delete Immediately! 


15 U.S.C 1681 section 602 A : Clearly states that 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 written instructions.

15 U.S.C 1666 B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


Remove the late payments from the accounts above as demanded, and remove the other XXXX accounts from the consumer report entirely as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

There is a collection on my credit report called " XXXX XXXX XXXX '' they claim to be from XXXX for insurance on a car. 

I never had a car or owned a car and never had insurance on a car. This collection is wrongfully reported on my credit. 
I tried disputing it with buearau directly but it's still on my credit report. 

This is illegal and being reported illegally. 

As per the law, the credit bureau has to verify that this is mine and has to provide me with any documents or signatures or anything showing that this in fact is an account I signed up or reliable for. 

I never had such account. And this is highly damaging to me. Please remove this as soon as possible or provide me with all documentations that you obtained to determine that you are allowed to report this on my credit. 

Thank you!
Product: Mortgage

During Covid 19 - entered into a Forebearance as to unsure of income due to being laid off. As you know the options were to pay what you could or not at all. XX/XX/XXXX, I paid {$1000.00} towards our {$2100.00} mortgage payment. I will be honest, I was completely knowledgeable about this process. Once I began to receive additional income I made 6 months of payments in the amount of {$2500.00} to cover the {$1100.00} balance owed for XXXX. XXXX of XXXX, LoanCare advised us that our monthly payment would increase to {$2300.00} which we have made monthly. Never, never have we missed one monthly payment to Loancare. Loancare mismanaged our Forebearance. Have been in contact both via telephone and letters. Just received yet another letter, probably have received XXXX til now. In a convoluted letter they continue to say we have missed payment and each time we make one it goes to the " one we missed '' This is not our first Mortgage, however LoanCare is the only establishment that is harrassing us for no reason. They have ruined our XXXX XXXX as well, reporting a 90 days late. We are in the process of re-locating to NC for work reasons, and with everything they have done to us, we will be looked at negatively with our credit. Our current home will be sold, which I know will resolve the issue however they need to be held accountable and fix our credit. Please help us with this matter, it is a hugh stress that my Husband and myself are dealing with. 
We will be relocating out of MA due to Husband work and our home will go on the Market XX/XX/XXXX. The negative hits on our credit needs to be cleared up so that we do not have any trouble purchasing again.
Product: Debt collection

THE CBE GROUP # XXXX Re : Notice for Proof of Claim Account : THE CBE GROUP # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.