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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 reporting or other personal consumer reports

Hello, my name is XXXX XXXX, XXXX birthdate XXXX There is an account reporting on my account that has already been deleted that got resold to another company. XXXX XXXX XXXX account number XXXX. I have already tried to contact them and got no where. please help remove this collection from my account.
Product: Credit reporting or other personal consumer reports

Unauthorized data appearing on my credit report is a serious issue that must be resolved. I did not consent to this information being included, and it is unjustly harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Product: Mortgage

Flood Insurance over charge. Every year Bank of America sends me an Flood Insurance update XXXX in XXXX XXXX for renewal purposes. It is always a hassle, they send me an OPT OUT letter which allows me to only have flood insurance coverage on the amount of balance owed. Getting them to honor it is very difficult. Last year they had the amount incorrect and refused to correct it. I sent back the letter with a copy of my statement showing I only owed them XXXX NOT XXXX. When I called them, I was told several times " oh yes we will get that fixed ''. I requested paperwork in writing over and over, it never arrived. They drug it out past the " renewal window ''. I had a XXXX call with BOA and XXXX which got very heated. BOA " bank of America '' said it was Insurance company so we then got her on the phone as well. BOA still insisted and XXXX was amazed by the ignorance of BOA, but it was to late and I was denied by XXXX in reduction of coverage because the bank refused to correct the paperwork in a timely manor. BOA was sued recently for placing lender based insurance on there loans. This was before my new troubles with them so I did n't join the class action law suit. They have managed to get me the last two years. Now my payment is approx. XXXX more than it should be due to the extreme amount of flood insurance they selected for me! I believe the new " amount owed '' error is not an error and it is there new way of getting away with the over charging of there customers. Previously it took several heated calls to get them to honor the OPT OUT letter. its so aggravating and unfair of BOA the lender to treat the customer this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream LLC Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX They report I have died.
Product: Debt collection

I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXXwith the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.
Product: Student loan

XXXX  under American Education Services is charging people over fees. The principal never reduces! All of this economic relief wont do anything for the 32-45 year olds that still have debt. We were given guidance to refinance by XXXX XXXX so now our loans are not considered federal and do not qualify for any programs. No one is making these loan companies comply. Ive been paying {$440.00} a month since 2009 and I still owe what I borrowed!
Product: Credit card

In XXXX 2014 I made a purchase in the amount of {$240.00} or around that amount of what I believe was being debited from my debit card through a secured PayPal account because I put my debit card information in the box in which it requested. A XXXX later, I received an invoice from PayPal and I immediately called them to ask why did they send me an invoice when I made the purchase on my debit card. She asked did I want the {$300.00} line of credit or not. I said no, I pay everything with cash and when I made this purchase, I thought the debit card I inputted was used to process the transactions. She responded, if I did not want the {$300.00} line of credit then I would have to pay it right now. I said why should I have to pay for something that I did not authorize. She said if it was not paid now then it would have to be reported to the credit bureau. I told her that this was unfair since I did not authorize the credit in the first place. She did not listen to me and therefore I have been stuck with this line of credit due to me having to have it reported on my credit. I feel the practice that was used was deceptive and put me in a situation that I did not knowingly sign up for. I want to pay off the current balance which is {$160.00} however I want any and all negative reporting on my credit to be removed.
Product: Credit card

I got a letter from Synchrony Bank about a credit request from Lowe 's. It wasn't approved but I never applied for any type of credit from Lowe 's. It happened on XX/XX/year> and I got the letter on XX/XX/year>.
Product: Credit card or prepaid card

My account was close with out notification. I have been a customer with Lowes credit card or synchrony Bank credit card since XXXX. I have had good standing and made my balance payment on time. I had a credit limit of XXXX with them. I recently got a report from my credit dropping XXXX point due to my account being close. When I called on XX/XX/XXXX they inform me they ran my credit on XX/XX/XXXX with out my consent. They close my account and reopen it with out my permission. When they try to credit verify my credit had recently token a hit due to fraud in the last couple of months. I called to get more information and they stated they had to right to run my credit at any time. I look threw there terms and condition and found nothing stating they could and did that with out my permission. I use this card monthly and would have no reason for my account to be close. This is unfair and discriminatory practice and should be look into. After doing more research I found that XXXX XXXX had been caught doing the same. I have contacted them and even there customer support agree some unfair and shady practice was accruing. They where unable to open back my account and solve resolve the issue with the damage that was done to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I called TransUnion/XXXX and sent dispute letters as well stating acct # XXXX for amount {$630.00} is not my account it was open fraudulently and it still has not been removed. I also called the collection agency XXXX XXXX XXXX XXXX and disputed it on there end. I have been disputing this account since it appeared on my account and I will not be accountable for an account I never opened. 

2 ) I called/sent dispute letters to TransUnion/XXXX stating acct # XXXX for amount {$320.00} is not my account it was open fraudulently and it still has not been removed. I also called company stating I never opened the account please remove amount or detach my name on the account and no action. I have been disputing this account since it appeared on my account and I will not be accountable for an account I never opened.
Product: Credit reporting or other personal consumer reports

I have been on an income driven repayment plan called an IDR for quite some time with XXXX. This is a program that is renewed every year. During the days of XXXX, the presence of the United States suspended all student loan payments those payments restarted in XX/XX/XXXX. During that time, XXXX gave loans to XXXX and then to XXXX. This was all due to the XXXX House and student loan, forgiveness and consolidations and things of that nature. During XXXX through XXXX I had an IDR with XXXX each year. But in the middle of XXXX and XXXX. My credit report shows multiple delinquent payments. My payments for each of those months according to my IDR was XXXX. Furthermore, the president of the United States suspended all student loan payments until XX/XX/XXXX. On all three of my credit reports I have XXXX student loans through XXXX and all three credit reports are incorrect. And all three credit reports say something different. I have contacted XXXX multiple times about the variations between all three credit reports and they claim that all three are correct even though all three are not saying the same thing. I furthermore talk to them about the XXXX which they show my payments at XXXX that I had and they also show that payments were suspended until XX/XX/XXXX. They insist that the records are accurate that I went from perfect payments to 90 day delinquent. I asked them where the XXXX and the 60 day delinquents are are late payments and they have no idea why it went from on-time payment to 90 day the next month. I contacted all credit bureau disputed them and they still deny anything is wrong. Ive contacted the Better Business Bureau and disputed them as well and they continue to come back saying that nothing is wrong and that everything is perfectly accurate even though all three credit reports say something different even though, I had an IDR with XXXX payment each month even though payment were suspended until XX/XX/XXXX. So how can I have late payments in XXXX and in XXXX? I have shown them all the evidence and they will not change. They have severely crippled my credit as a result.
Product: Credit reporting or other personal consumer reports

These is the account that I have marked as inaccurate. 
XXXX XXXX XXXX  Account number XXXX
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 XXXXnt Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. StateXXXX 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, credit repair services, or other personal consumer reports

Transunion and XXXXXXXX XXXX SERVICES has intentionally, knowingly and XXXX XXXX me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is XXXX of XXXX disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a XXXX  lack of due diligence on behalf of TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at XXXX and financially XXXX me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the XXXX bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding XXXX XXXX and XXXX XXXX XXXX. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Product: Checking or savings account

On XX/XX/scrub>XXXX a complaint was filed with the CFPB in regards to my account being debited from XXXX of XXXX. My documents have clearly showed that I should not have had my account debited for XXXX. I was issued a provisional credit and then it was reversed XXXX. They claim they have attempted to reach out to me. I have called the representative several times with no return call. I am then issued a credit of XXXX, listed as an adjustment, not provisional credit. It was then deemed to be denied once again and reversed. My account has been over drafted several times over from U.S. bank, not only with letting a transaction go through of XXXX when I clearly did not have the funds available to cover the transactions but then continuously charging me over draft fees of {$35.00}. I have since then put a lock on my card and U.S. Bank still continues to let transactions go through, the proof is in my two previous complaints. At this point I will be seeking legal council and starting a class action lawsuit. Regardless over the dispute, you are allowing my account to run when I have a clear block on it to avoid any other over draft fees. I never enrolled in overdraft protection, that was something US Bank automatically put on my account. 

XXXX to respond to this statement " On XX/XX/XXXX, we initiated a fraud claim on a transaction with XXXX in the amount of {$920.00}. On XX/XX/XXXX, we issued provisional credit to your account, credited {$140.00} in associated fees, and mailed you the enclosed letter. Please note, provisional credit is issued with the understanding that if your claim is denied our provisional credit will be reversed. Enclosed is your XX/XX/scrub>XXXX XXXX  XXXX Checking statement for your records. '' US bank never issues me a provisional credit of {$140.00}. The {$140.00} came directly from XXXX not US bank. This is a clear lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account status on my XXXX report currently shows that the account is deragatory. However, this account has been paid off since XX/XX/2021 and should reflect closed instead. 
Acct : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants refused to remove an account from my credit file, though it has been paid in full. I have contacted XXXX the original creditor who agreed to have the account deleted.
Product: Debt collection

I just got correspondence back from Wise Loan, theyre stating that I had loan documents but this is not my signature, even if this is identity theft this isnt a contract that has my wet signature due to the FDCPA this document must be provided. Ill file an identity theft report with the police but this debt needs to be removed from all 3 of my credit reports immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services XXXX XXXX XXXX XXXX, Ga Dear, Equifax Information Services Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX XXXX  with Account Number : XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined credit from XXXX XXXX because of some incorrect information that Experian reported to them. See below what they submitted to XXXX XXXX : The revolving balance ( s ) on your XXXX XXXX accounts is too high. 
The number of credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months as indicated in your credit report. 
The amount of your payments in relation to the overall balance on your XXXX XXXX account ( s ). 
Proportion of loan balances to loan amount is too high. 
All that information is incorrect. 
I don't carry any balance with XXXX XXXX. I pay them off before the due date. 
I don't have any credit cards with balances. I have a XXXX  % Utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

In accordance with the fair credit reporting act 15 U.S.C and fair debt collection practice act 15 U.S.C. 1692 XXXX XXXX {$420.00}, XXXX XXXX/ AND XXXX, XXXX XXXX {$250.00} Has violated my rights and 602A states I have a right to privacy.

15 U.S.C. 1681 604A State credit reporting agencies bureaus or companies can not furnish my report without my written consent or instructions or furnish my accounts or report without my knowledge.