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 Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : 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 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: Debt collection

My problem is I received a collect on my XXXX XXXX report I called the collection agency to see what is was it was for a charge from a company by the name of XXXX  XXXX  i have no clue what the debt was for they had my name but the address was wrong. Since it was only for {$160.00} I told the rep I would just pay it because I'm trying to buy a home in XXXX. I explained to the rep that i wanted to do a pay for deletion the rep assured me that they would take care of it from there once I paid the debt. If I knew they were not going to honor the pay for deletion I never would have paid it but the rep assured me it would be handled as a pay for deletion and they always contact the bureaus once the debt is settled. Well they lied to me and now when I call the company to discuss the deletion of the account they give me the run around. The company has a million complaints very similar to mine with the XXXX XXXX XXXX. I still have not received my letter showing that I paid the debt or have I received a receipt of payment.
Product: Debt collection

1. ) Account XXXX Date Opened XX/XX/XXXX /Original Balance {$14000.00} and 2. ) Account XXXX Date opened XXXX XXXX/Status closed charged off/Balance XXXX are being reported falsely and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. Negligence from their part. I need this help from you guys please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting fraudulent information to my credit report that does not belong to me. Per the Federal Fair Credit Reporting Act it's illegal to report information that belongs to somebody else, on some one else credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to express my concern regarding an unresolved issue with my credit report. 

Previously, I had filed a complaint about an unexpected and unjustified drop of XXXX XXXX  in my credit score. Despite my efforts to rectify this situation and the assurance from the concerned company that they were addressing the issue, the problem remains unresolved. 

The company 's response was to send me a copy of my XXXX credit report to my current address. However, this action does not address the core issue at hand, which is the unexplained and significant drop in my credit score. I believe there must be an error or misunderstanding that has led to this situation. 

I am deeply concerned about the potential impact this could have on my future financial endeavors. I am confident and determined to rectify this situation, as I believe in the importance of maintaining a healthy and accurate credit report. 

I kindly request your assistance in investigating this matter further. I am hopeful that with your intervention, the concerned company will take the necessary steps to ensure the accuracy and integrity of my credit report. 

Thank you for your attention to this matter. I understand that the process of resolving such issues can be complex and time-consuming, but I am committed to seeing it through to ensure that my credit history accurately reflects my financial behavior. 

I am hopeful that your intervention will prompt a thorough investigation into the cause of this sudden drop in my credit score. I believe that everyone deserves a fair and accurate representation of their credit history, and I trust that the CFPB shares this belief. 

I look forward to your prompt response and assistance in this matter. I am confident that with your help, we can rectify this situation and restore the accuracy of my credit report. 

Thank you once again for your time and consideration. I appreciate your dedication to protecting consumers ' rights and ensuring the integrity of our financial system. 

Best Regards
Product: Credit reporting or other personal consumer reports

I am writing to address identity theft resulting from the XXXX data breach, which compromised my personal information and severely impacted my credit standing. My credit reports now reflect multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decline in my FICO credit scores. 
Enclosed with this letter, you will find documentation from XXXX confirming that my information was compromised in the breach, along with an FTC Identity Theft A XXXX and other relevant identification documents to substantiate my claim Fraudulent Accounts on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is a complaint from XXXX XXXX against EOSCCA for EOSCCAs failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from EOSCCA with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Mortgage

I can not get them to get back in touch with me. I have called daily and sent emails for 10 days.
Product: Debt collection

Caller says they are with TexCap Financial and they need my birth date to confirm my account. I tell them that I am not divulging personal information to someone I do not know or have any business dealings with. The person says that the calls will continue until I share my birth date. I do not have any auto loans outstanding and the only loan I have is my mortgage. 
I am called twice every day and I am told until I release my birth date the calls will continue. This is harassment for personal information.
Product: Credit reporting or other personal consumer reports

I am going through the hiring process for a federal job that requires top secret security clearance. I was flagged for a Care Credit account through Synchrony Bank. I can not go further with this process until I provide proof that the account has been removed from my credit report or resolved. I reached out to Synchrony Bank last week on Thursday regarding this matter to attempt to pay the {$980.00}. I was informed that the account has been charged off and there was no going further with the matter. 

I would like to have the account removed from my credit or proof showing that it has been completely resolved.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$39.00} XXXX XXXX Balance : {$11.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$6100.00} XXXX XXXX FIN XXXX Balance XXXX {$1500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My wife and I are trying to sell our home but during the title search they found a satisfaction of mortgage from 2003 for {$22000.00} which was not recorded by GMAC in the county records. That mortgage was paid off during a " refi '' by another GMAC loan one month after the {$22000.00} loan was taken out. We were directed to Ocwen to retrieve this document and have contacted them by phone, fax, and e-mail numerous times but with only one response back saying they need more info. I decided to drive to the headquarters about 1 hour away from my home but after giving them my SS #, address, and loan number they told me that I was not in the system and they could not help me any further, he also advised me to contact there research department which is who we sent all our faxes and e-mails to from XX/XX/XXXX. I am currently in the 3rd extension on my home and the home we are purchasing. We are currently paying an extra {$250.00} to lock in our buyers rate since his rate lock has expired. In addition, we are in jeopardy of losing the house we are trying to purchase, which will also jeopardize our {$10000.00} deposit. I feel we have been extremely patient with this company but we have been grossly ignored over the past 30 days trying to obtain this document. I am a business owner myself and I feel this lack of customer service is incredibly ignorant in this day and age with unlimited lines of communication in which they can, at minimum, contact me and let me know they are at least working on this issue. Unfortunately the only communication from them came to us in the mail asking for more information on XX/XX/XXXX. We responded to there request but as of XX/XX/XXXX we still have no communications with this company. I will be retaining a lawyer to pursue this issue further on Monday XX/XX/XXXX but unfortunately we are not made of money and are only willing to do this to try and keep our deposit. We have come to terms that we are inevitably going to lose our dream home, and lose the sale of our home as well. This document affects the financial and mental well being of XXXX families all waiting in limbo, living out of cardboard boxes and sleeping on mattresses on the floor. All XXXX families have been packed and ready to move from XX/XX/XXXX and all because of this simple document which nobody can help us with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a hospital bill that i was paying on and then was turned to collections. Never been notified didnt give my consent to publish the report or givin any time to pay. In XXXX month they wanted the whole amount when i was set on paying it at hospital. This whole thing is against the fair credit reporting act thank you
Product: Debt collection

This complaint is about Portfolio Recovery Associates. They have called my home phone about once a week for the past 2 months, but I have a fax machine on my home phone. Their latest call was on XX/XX/18. I know who is calling because of Caller ID. I have no outstanding debt. My phone number has been on the Do Not Call Registry for at least 2 years. Portfolio Recovery 's phone number is XXXX. Can't you get these phone calls to stop?
Product: Credit reporting or other personal consumer reports

I have been XXXX  for XXXX XXXX years and all accounts and inquiries on my credit report are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUD REMOVE Have violated my rights 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. also part ( 1 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. part ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. part ( B ) states It is the purpose of this subchapter to require that 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. Please request all the Reporting Bureaus promptly remove these files according to U.S.C FCRA IT has currently been over 30 days since my last submission of this matter to be handles and for the files to be removed. And with fairness and abiding by the laws that hold up the banking structure I DEMAND that these accounts be removed diligently.
Product: Checking or savings account

I opened a CD account with Marcus at Goldman Sacs XX/XX/XXXX. I selected a 10 month CD. 

On XX/XX/XXXX I received an email letting me know that my CD will mature on XX/XX/XXXX and is set to auto renew at a term of 6 months, rate to be determined on XX/XX/XXXX. I was prompted to log into Marcus to make a change to the auto renewal if I wish to make changes.

I utilized the Marcus app to change my s
election from auto renew to " RENEW your CD with changes ''. this is defined in the app as 'change the balance and/or change the term listed in the maturity plan. 

On the maturity date : XX/XX/XXXX, I logged into the account online and noted it did in fact auto renew at a new maturity date was set. I called customer service on XX/XX/XXXX to indicate this was not what I wanted to happen and in fact I would like to close the account. I was told not to worry, there is a 10 day grace period to make changes and that it had just matured on that day of the call, XX/XX/XXXX and it shouldn't be a problem. I was also told by the agent that she in fact does 'see ' in the system that I had indicated a change in the renewal plan before the maturity date and after XX/XX/XXXX. 

After some considerable time on hold, the customer service agent informed me that I would be subject to an early withdrawal penalty because the system had already renewed and set a new maturity date of 6 more months from XX/XX/XXXX. 

I then requested to escalate my call for support given the fact that the information shows in 'their system ' that 1. Today is the maturity date and I should have a grace period to make changes and 2. History reflects my change from auto renew to renew with changes.

My assigned escalated 2nd level customer service representative indicated she doesn't see what the first customer service representative sees. She doesn't show any change in the auto renewal option at all and the time to make any changes ended XXXX on XX/XX/XXXX. She reinforced that if I were to close the account I would be subject to an early withdraw fee. 

When I requested what governing body I can reach out to for more support on this, as my confidence level is very low with one representative saying she 'sees ' something in the system that is different than the other representative 'sees '. I was told I have to do my own research and there is no 3rd level escalation. She did offer to put my information into a customer service support call requested and it will take 1-3 business days to receive a call back.

I feel less than confident in the information I am receiving. Marcus is simply refusing to close my account without charging me a fee to do so, and has now locked my savings into another 6 mo CD without my permission. I'm
feeling frustrated that Marcus is determining the end result of this dispute and it is in their favor of course!
Product: Credit reporting, credit repair services, or other personal consumer reports

The  XXXX  credit companies that are  XXXX ,  XXXX  and  Trans Union are sh owing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.
Product: Credit reporting or other personal consumer reports

I recent reviewed my transunion credit report and notice some fraudlent inquries account with XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX
Product: Debt collection

This duplicate complaint identified as XXXX ' is per request from " CFPB '' representative XXXX whom I communicated with via voice contact at XXXXEST XXXX. XXXX explained that without requesting me to file two duplicate complaints it would be impossible to send the original to " Equifax '' and " XXXX '' additionally. Please know this filing is solely for the above mentioned matter and specifically addressed to " Equifax ''. 
XXXX XXXX XXXX -- -- -- -- -- -- -- -- - To describe what happened I'd like to start by explaining that the debts were originally owned by " XXXX  XXXX XXXX XXXX  '', " XXXX XXXX  '', and " XXXX XXXX ''. I'm not sure when those debts were purchased by " XXXX XXXX XXXX '', but I also didn't receive notice rather I identified negative reporting connected to my sole proprietorship on my " Equifax '', " XXXX '', and " XXXX '' accounts. I was discriminated against by XXXX XXXX who I was told was assigned to my account. I reached out to the company via email on XXXX. XXXX, XXXX  @ XXXXEST after our initial contact to create a level of understanding, but it felt from the way XXXX XXXX to me during our second conversation that my wants and needs were disregarded specifically their role in our relationship. I contacted the company a second time and did inform them of the discrimination and that I will file legal action.
Product: Credit card

So on my Apple Card, I filed a dispute XXXX or XXXX months ago that I was charged for the transactions made multiple times which I did not authorise at all, and the dispute went on for XXXX or XXXX months and I got so many emails today that the dispute will be on your account and I have to pay the balance in full and I think I am not responsible for the transaction so I should not be paying the charges made on my account so I filed a dispute of for that reason but the emails which I got, they mentioned that outcome was the charges will remain on your account and I made it clear with the Apple Card department that I have not authorised those transaction and I should not be responsible for that. The disputed transactions were over {$3000.00}. And I have to pay that now according to Apple Card dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.