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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX. Account # 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was notified about a collection in my credit report. I quickly began the dispute process the same day since I do not recognize, nor do I owe the money to the account reported. Equifax claimed to investigate the situation, it took Equifax around 24 hours to say that they investigated the claim and the account was verified. Equifax did not investigate at all since if they had, it would have been quite obvious the account was not mine and I did not owe the money. I attempted calling Equifax and they did not respond due to high call volume. The account is apparently from 2 years ago ( again, not mine ) and was now reported.
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 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: Credit card or prepaid card

Opened a Synchrony - issued secured amazon store credit card on XX/XX/XXXX. The card worked immediately for my first purchase, but then started to be declined by the issuing bank when I tried to make any additional purchases. Contacted amazon, they informed me I had to contact the issuer. I then contacted synchrony, they said it was an amazon error. Attempted this a few more times, getting bounced back and forth as both companies passed the buck, until finally deciding to cut my losses- I contacted synchrony later that day on XX/XX/XXXX and told them to close the account and refund my security funds deposit to my debit card. As shown in the screenshot attached, they attempted to claim that they were completely unable to process electronic transactions, despite having taken my deposit via debit, and could only possibly issue a paper check in 10-14 business days once the account was finalized closing. This would have allowed them to hold my assets for an inestimable period of time, while forfeiting no interest earned or written documentation of timeliness or procedure. I then called them again today, XX/XX/XXXX, and insisted on speaking to a supervisor after the first rep tried to make the same claim. I read them the specific lines of Section V. of the cardholder agreement provided and signed to open the account, also publicly accesible on the synchrony website, which gives ACH as an example of an " approved method '' of deposit returns, as well as paper check. It is also explicitly written in this section that the delivery may be stipulated by the cardholder of any such approved methods. The supervisor on XX/XX/XXXX then finally conceded the information that since the deposit is still a pending charge and was made electronically, it would be automatically returned electronically within 7-10 days. This felt like a dismissal and a callous attempt to get me off the phone, as synchrony has been unwilling to provide me any such notice in writing or otherwise documentable. They have already attempted to contradict their own expressly written terms, and are able to indefinitely profit by lending my funds elsewhere. The debit charge reversal required to satisfy this matter is absolutely a trivial function of any merchant account, and there is no excusable reason for a financial institution to be allowed to continue such predatory and exploitative practices without any accountability to consumers.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from TransUnion, XXXX, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX - EX Account Number : XXXX Account Name : XXXX XXXX - EX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  CO Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX AUTO Account Number : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

On XXXX/XXXX/2016, I contacted the payday Lender Big Picture Loans , LLC. I explained I either needed an extension on the pay date or change the payment type ( due to low or no funds in the acct listed on loan. ) The representative stated they could not change the date or payment type because that 's how its listed in the contract. I explained that the payment will be returned because my pay day dates changed. I notified my bank on the following days XX/XX/XXXX-XX/XX/2016 and spoke to several representatives from the bank regarding this payment and that I did n't want it processed due to no or low funds. The bank is also aware that I do not have overdraft protection and declined this service. This payment was processed and paid by my bank and now I owe and am overdrawn on my bank account with overdraft charges and fees. I spoke to a bank representative on XXXX/XXXX/2016 who stated that the payment was put through because it was an auto withdrawal, even though I told them not to put the payment through. 

I also just found out that Big Picture Loans is not authorized or licensed to operate or provide loans out of the state of XXXX, where they are located. 

Payday Lender is Big Picture Loans , LLC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank : XXXX XXXX, XXXX
Product: Debt collection

In regard to my complaint with CFPB XXXX, the Portfolio Credit Bureau provided an inaccurate and incomplete documentation Validating the debt they claim that I owe on behalf of XXXX. They failed to provide the details of either items or services or any other proofs like delivery receipts with my signatures. Therefore, the documental evidence they submitted is incomplete or inaccurate. I do not recall to the best of my knowledge, that I purchased any items or services from XXXX that i have not fully paid. 

Furthermore, I am not present at the address since XX/XX/2019, as I am out of USA for my medical treatment. I am enclosing their submitted validation document which is incomplete and inaccurate.
Product: Student loan

I am following up with a previous complaint ( s ). I may be due for a refund for previous private students loans with XXXX or XXXX. 

*Please note this complaint is about a loan that was once a XXXX XXXX that was sold to Discover ( this was out of my control ). I was an employee for XXXX and opted for the private student loan option. Once sold to Discover it seems the interest went much higher and terms changed. * Discover private student loans will not work with me to lower/defer my payments on my private loan after trying to work with them. My loan was in deferment/forbearance for a while due to extenuating circumstances with regard to completing a XXXX and now I am in the process of getting XXXX. The original balance of the loan was approx. XXXX and now it is approx.110K due to the high-interest fixed rate. Due to this, the payments are XXXX per month which I can not afford. I have tried many times to contact and work with them to find a solution but they tell me there is nothing they can do. Now, I risk possible default due to not being able to pay the monthly amount.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance.
Product: Credit reporting

AFTER ACKNOWLEDGING FRAUDULENT ACCOUNT RBFCU WAS ON MY REPORT THEY REINSERTED THE ACCOUNT WITHOUT INFORMING ME OF WHY AND MOST DISGUSTINGLY AND IN VIOLATION OF THE LAW HAVE BLOCKED MY ACCESS TO MY REPORT. I HAVE SENT CMRR 3 TIMES NOW MY SSN ID AND EVEN POLICE REPORT TO ABSOLUTELY NO AVAIL. THE BANK EVEN FOUND THAT THE ACCOUNT WAS FRAUDULENTLY OPENED AS WELL AS THE XXXX OTHER MAJOR CRAS. TRANSUNION CONTEMPT FOR THE RULE OF LAW IS TROUBLESOME AND EACH DAY IT REPORTS I SUFFER IRREPARABLE HARM
Product: Mortgage

Please Reference Complaint # XXXX I am being retailed against by Wells Fargo for filing a complaint with your agency. 

Please read the email attached, I received from Wells Fargo today. 
They are requesting information that was already provided, asking if the house is vacant - after I was instructed to vacate the premises! Wells Fargo 's counter offer on the house which was listed " As-Is '' for {$590000.00} a year ago is now countering their offer to settle for {$700000.00}. 

The bottom of the email said " This correspondence is for this particular loan ONLY. The guidelines outlined above are specific to this loan and should not be interpreted for all Wells Fargo Home Mortgage loans '' This is Blatant retaliation for filing a complaint with the CFPB and asking assistance Senator XXXX XXXX for assistance. Email from Senator XXXX XXXX 's office attached. 

Wells Fargo has to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Payday loan, title loan, or personal loan

Logged in to make a payment on their website on Sunday XX/XX/XXXX. There was a message there that I had a past due amount of ~ {$460.00} and total amount due of ~ {$940.00} ( including upcoming payments ). I selected the button to " Make a Payment '' and with NO further confirmation or ability to put in the amount I was going to pay it gave me a screen that said " Thank for making your payment of {$940.00}! '' There was NO ... please enter the amount you wish to pay.

NO ... here is the payment we are about to process from your bank.

NO ability after I made that to cancel it ... even though it was a Sunday afternoon.

I immediately sent an email even though they are closed.

I phoned on Monday morning after checking my bank and seeing that the $ $ had not been attempted to be taken out yet. The Prospoer rep told me " There is nothing we can do from here. Maybe you want to stop payment at your bank? '' For one, banks dont ' easily stop ELECTRONIC DEBIT payments from what I understand ... though I've not tried. Regardless, if they did do that, we KNOW the bank is going to charge a fee and Prosper will charge a fee. Even if the payment was honored I DID NOT want to pay that amount with this payment as it will have other ramifications. Prosper offered to " refund '' my payment by speaking to a refund specialist and then, inexplicably, telling me I'd need to have my bank on the line. For what? We are putting money IN if we do that. You had zero problem taking it out without the bank.

Anyway, the fact that they sneakily decided my payment amount and provided zero confirmation is the basis of my complaint. I'm sure they will say " no, no, here is where someone would put in the amount on the 1st screen. '' If so, it definitely is misleading how it's presented and it can not be ok that there was no confirmation screen before this went through and no way to cancel within seconds of processing it ... which again it hasn't processed. They give you the " blah, blah '' that it might take 2-3 days for bank to remove funds ... which means you are doing it as an ACH vs credit/debit card pin transaction which means I believe they should have been able to stop it by my calling the start of the next business day.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. For you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXXXXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXXXXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXXXXXX XXXX XXXX XXXXXXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXXXXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY
Product: Checking or savings account

I attempted to transfer funds from my Marcus savings account to another bank, XXXX XXXX, via an ACH-pull transaction. Following this transaction, Marcus placed a hold on my account. Despite providing verification for all my personal information during a subsequent phone call, Marcus refused to lift the hold and did not offer any explanation for their decision. This has caused me inconvenience and financial impact, as I am unable to access my funds.
Product: Money transfer, virtual currency, or money service

Cash app locked my account out of nowhere and will not allow me to transfer my moneybfrom my cash app account to my linked bank account. They will not give me an explanation and will not speak to me about it at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a little confused. three months ago, I disputed the following previously deleted account as being inaccurate, and you deleted it because the furnisher agreed with me. 
But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points. I'm under contract of buying a new home. The negative information reporting could cause me to get denied. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted account within 10 days of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called to speak to someone they give me numbers to folks that cant help which is a runaround and the website is giving a error message so you cant file a dispute online. However the issue is my self finance credit limit is showing {$200.00} which was reported to transunion which is inaccurate and my actual limit is only {$150.00} so my credit dropping by XXXX point for something that was not even accurate. As you can see my balance is XXXX. My statement for self dont even close until the XXXX. Today is the XXXX so how it dropped and my self card was paid for on the XXXX.
Product: Credit card

Synchrony Bank closed my Paypal Smart connect credit card account without any type of previous communication or anything, they recently increased my credit limit ( less than two months ago ) and now they decided to close my credit card.
Product: Credit card

This is with regards to the Apple Card by Goldman Sachs Earlier this year, they locked me out of my account 'for security reasons '. After this, the card stayed locked for an extended period of time, a few months. During this time, the company did not send me statements. 

After some time, the bank sent me a notification that there was an amount past due. I tried logging in to see how much it was and how to pay it but any information and payment functionality was unavailable because the system did not let me in! 

Turns out there was literally a few dollars worth to pay and the bank subsequently, after kicking me out of the system and disabling my ability to pay the card, reported a deliquency and tanked my score by some insane 10 %! 

I complained about this to customer service and they refused to take any action whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to dispute an account that I didn't recognize : XXXX XXXX XXXX. 

The link to file a dispute online leads to a dead end. I have a right to file a dispute so that link ought to work.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from Transunion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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