23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification Loan Type Original Creditor Name Months Reviewed XXXX Activity Designator CLOSED Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$1400.00} XXXX XXXX XXXX XXXX {$0.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$36.00} Amount {$83.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/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  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$73.00} Amount {$73.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assigned XXXX XXXX, XXXX Original Amount Owed {$54.00} Amount {$54.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know
Product: Mortgage

On XX/XX/2020 LoanCare reported to XXXX  that my loancare account was delinquent. However, my loan was paid off in  full on XX/XX/XXXX and the previous payments and credit reporting were and are protected under the CARES Act. Would you please correct this reporting error as soon as possible as I need my credit restored. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

my transunion credit report file had a security freeze and fraud alert placed on it. On XXXX/XXXX/2017 XXXX XXXX XXXXXXXX accessed my file without consent. Not sure how or why an inquiry took place on my credit report, this is unauthorized and fraudulent, please remove.
Product: Credit reporting or other personal consumer reports

I received notification on the XXXX XXXX XXXX that my personal information was part of a massive data breach. The 7 inquiries on my account were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request the immediate removal of the fraudulent accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XX/XX/2022. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. If you believe that the disputed items belong to me, please send me copies of proof of ownership and proof of verification from your investigation. If you can not provide me these documents, please remove the disputed items off my Credit File at the earliest possible time.
Product: Money transfer, virtual currency, or money service

I called Citi Bank at XXXX and spoke to XXXX. XXXX said his supervisor said to call my dad 's bank to file a complaint and to call the police. Citi Bank accepted a wire for this account XXXX on X/X/16 in association with an XXXX Gold Scam. The account holder is XXXX XXXX XXXX the amount was {$22000.00} The address of the bank is XXXX XXXX XXXX, XXXX NY XXXX
Product: Mortgage

This is coming up on six months now trying to get refinanced. I knew all along they would never do it as the are always requesting the same documents over and over. Some as much as ten times! They also had me pay for two house appraisals. They also did a hard pull on my credit 3 times against my wishes. They lowered my credit score by over 30 points down to XXXX just from the repeated inquiries. They wasted my time and money with no intent on refinancing ever. They see that I have everything paid and paid on time and never any late payments. They see that I have very little debt ( cars ) and yet they still won't re-finance. I have been led on this entire 5 + months and I am always calling and emailing them. I've had several different agents and contacts just to try and confuse me. It is not fair for a bank to take my money and lie to me about getting my house refinanced and string me along for almost 6 months. That is shameful. They should not be in the business of taking peoples valuable time and money to benefit their bottom line.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Money transfer, virtual currency, or money service

Coinbase attempted to dissuade and divert me from receiving a refund for a service I did not sign up for, 'Coinbase Pro '. I wanted to receive my cryptocurrency transactions to file my taxes in a way which was easily readable and ready to upload for websites such as XXXX and XXXX. Coinbase put this particular report, which I am very sure they knew was a required format for those sites, behind a paywall, the aforementioned 'Coinbase Pro '. I strictly used the user interface to be able to access this necessary report and found myself charged for two months of 'Coinbase Pro ' before I was able to get in contact with support, who initially attempted to divert the conversation away from a refund for those unauthorized charges and instead blame me for not removing my bank account. Upon mentioning the CFPB, Coinbase Support suddenly decided a refund WAS in order but that they would/could only refund it to my 'Coinbase account ', in effect keeping the unauthorized funds in their ecosystem even longer. Upon insisting that this wasn't acceptable as a means of returning funds, Coinbase had no offered alternative. There is clearly an intentional series of 'dark patterns ' in Coinbase 's user interface meant to obfuscate and divert customers from removing Coinbase 's access to the user 's funds as well as to extract money from them in the form of hidden fees. Actually closing one 's account with Coinbase results in support being even less accessible and therefore recovering unauthorized funds additionally difficult for the company 's financial advantage.
Product: Debt collection

On XX/XX/year> I received threatening letters for Midland Credit Management saying that I have up to XX/XX/year>. Of I don't they will take further action to collect the debt. The debt in question is about XXXX to XXXX XXXX XXXX from XXXX XXXX. They constantly sending me letters for collection and the letters previously states that do to the age of the debt is no longer collectable. In Florida is XXXX years. I no longer want.to receive letters from.them threatening me. I am presently not employed and my husband is XXXX do to a XXXX XXXX. I do which that.they will stop harassment. Would appreciate your help. Thank you
Product: Checking or savings account

On XXXX XXXX XXXX I opened Chase checking and savings accounts in response to a mailer from Chase that stated if I had funds placed into the checking account by direct deposit that within 15 days they would pay me {$300.00}. They have not paid me the {$300.00} and now claim that the promotion was applied to my account on XXXX XXXX, XXXX. Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assured me on XXXX XXXX that I would receive the promotional funds as promised. I have never received those funds. 
After many phone calls to Chase, emails, and calls to XXXX XXXX and his branch manager apparently in an attempt to cover up their mistake, they applied the promotion to my account on XXXX XXXX, XXXX. Doing so extends the time I must wait to receive the promotional funds for my checking and savings accounts. 
XXXX I previously filed a complaint and Chase ignored the fact that my account was opened XXXX XXXX and should have had the promotion applied at that time by XXXX XXXX and after filing a complaint with the CFPB they attempted to cover up their mistake by applying the promotion on XXXX XXXX. This is not right..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 1692b acquisition of location information by debt collectors.
Product: Credit card

I have tried multiple times to solve fraudulent charges on my credit card account and receive credit for charges I did not make with Avant. Despite my repeated efforts to address this issue, I have not received a satisfactory resolution or action on Avant 's part.

These are the steps I've taken to get this solved : Repeated Phone Calls : I have called your customer service department four times to explain that the cash advances listed on my account are fraudulent. I have not left the state of Florida or attempted to make any changes on the account. Each time I called, I provided detailed information about the unauthorized charges. 

Provided verification documentation to verify identity to get account secure. 

Email Communication : I have sent XXXX emails outlining the fraudulent charges, including a comprehensive list for their review. Despite this, the charges remain unmarked as fraud on my account. 

Lack of Resolution : It has now been several months since I initially reported these fraudulent charges, and I am still waiting for action to be taken. This delay is unacceptable and has caused me significant stress causing interest charges accruing daily for fraud charges.
Product: Mortgage

Our current mortgage was with XXXX XXXX. We received a letter stating our mortgage loan was sold to BSI Financial services. XXXX XXXX informed us within the 15 days our loan was being sold to XXXX XXXX. XXXX XXXX would start servicing our loan XX/XX/2018. It is now XX/XX/2018 and we have not received any type of letter informing us that they are our new servicer. 
A gentleman has called us but he only asked us what was our plans pertaining to the house. ( yes, we our behind on our mortgage but filing bankruptcy with plans to keep the house ) I asked him where our introductory letter was as that is required by law? No response. XXXX has failed to follow the law in regards to the sale/transfer of a mortgage. 
Please inform myself what my rights are under the law and who I contact to pursue action against XXXX. Such as what type of attorney ( real estate attorney etc.. ) As I plan to pursue to the fullest extent of the law. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I see that the same account was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$7900.00} ; XXXX XXXXXXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Equifax, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 


XXXX XXXX XXXX - {$87.00} No Account Number listed, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} No Account Number listed, has violated my rights. 


REMOVE ALL HARD AND SOFT INQUIRIES- XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/2023 There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown. 


REMOVE FRAUD STATEMENT OR PERSONAL STATEMENT Remove ALL EMPLOYMENT INFO
Product: Student loan

I submitted an income driven repayment plan to MOHELA ( student loan servicer ) via government student loan website with 1 month forbearance. on XX/XX/XXXX. When I tried to contact MOHELA the hold wait time is 2 hours with a dead-end call. Additionally, my account as of XX/XX/XXXXXXXX  shows that Undue interest is accruing. I am in a Grace period granted through forbearance under the SAVE plan. No interest charges apply to my account. 
My account currently has no payment plan and undue interest charges. 
I simply want to be placed in SAVE plan with proper payment schedule. 
Respectfully, Worried student loan client
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disouted these items multiple times on my credit report reported by department of education XXXX. There were 2 seperate loan amounts one for over XXXX and another for almost XXXX. They were removed from my report at one time but later popped back up in the middle of my school year and caused me to be dropped from my classes. I was told they would be taken care of but it has been almost 2 months and they are STILL on my report and still preventing me from going to school. I will no longer graduate in XXXX as i was supposed to and i am very upset.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. On XX/XX/XXXX I notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. OnXX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX  ). On XX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( TransUnion ), XX/XX/XXXX( XXXX  ), and XX/XX/XXXX ( XXXX  ). On XX/XX/XXXX I notified the furnisher directly that there is a monthly payment of {$400.00} reporting to TransUnion and XXXX  on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( XXXX  ) XX/XX/XXXX and 30 days late ( XXXX  ) at the same time.XX/XX/XXXX it reflects that I was 30 days late ( XXXX  ) and 60 days late ( XXXX ). XX/XX/XXXX it reflects that I was 60 days late ( XXXX  ) and paid on time ( XXXX  ). XX/XX/XXXX it reflects that I was late 90 day ( XXXX  ) and paid on time ( XXXX  ), XX/XX/XXXXit reflects that I was 150 days late ( XXXX  ) and 120 days late ( XXXX  ). It also reflects that I was late 120 days for the months of XX/XX/XXXX on XXXX. There is also activity reporting after the account was closed which from my understanding is a violation.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and 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 reported 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. 


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! 


Delete the late payments from my consumer reports
Product: Credit card

Synchrony Bank partner with Amazon and I had a credit limit of XXXX. For absolutely no reason and I always paid on time they lower my credit limit to XXXXXXXX XXXX Than I decided to close my account since this drastically damadge my credit rating & report. I close my account and I owe XXXX XXXX and they began to add fees even after the accoutnwas close. The fees came to XXXX each time. In less than 150 days the additional fees have amounted to more than XXXX XXXX Note that the my account has been close for over 5 months. If I got a fee every month of XXXX dollars that would euqal XXXX and thats not even half of what they now lie that I owe. I never use my credit to accumulate the over XXXXXXXX XXXX XXXX They have all been added fees by arbitration nor does my credit limit even allow me to extend beyond the deducted XXXX dollars they have self impose. Synchrony Bank is operating in fraud and deceiving its customers who believe their accounts have been close. I close my account in XXXX and they can not be allowed to damage other peoples credit like this. They manipulate their banking system and create false realities. I have tried to buy a home and get a loan and they have prevented me from doing so. They need to pay for the damages that they have done for deceptive practices.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate and unauthorized collections being reported on my credit report by Experian. I have previously requested that the debt collectors reporting these accounts cease communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which states that debt collectors must stop all forms of communication after a cease and desist request.

Despite this, these debt collectors are still reporting the accounts to the credit bureau, which constitutes a form of communication that directly impacts my credit score and financial standing. This reporting violates the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and continues to be reported even after my dispute.