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

In accordance with the federal credit reporting act. The list of accounts below have violated my federal protected consumer rights to privacy and considerably under 15 US C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that 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 conviction of crimes, which antedates the report by more than seven years.

15 U.S. C 1681 s-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 calls to believe that the information is inaccurate.
Product: Mortgage

United Wholesale Mortgage has been misappropriating funds toward my payments. They have been taking money in and out causing extraordinary late fees. I have a great deal of distress in my life due to the co-owner abandoning the property in which they are now in hospice care. I am doing everything I can to catch up with my mortgage. I had a customer care agent inform me they have locked my account and will shread my payments unless it is XXXX by XX/XX/year>. I worked out a plan that was going to get the account current on XX/XX/year>. I was able to call back and speak to another customer care agent that accepted my payment plan. I don't know what they are doing with my payments and I feel like I am being scammed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C.1681c-2 ) that you the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of Identity Theft and Fraud, within four business days of you receiving this complaint.This Fraudulent, inaccurate, and false information consist of First Progress XX/XX/XXXX {$420.00}, First Premier XX/XX/XXXX {$570.00} which in turn led to collections with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$420.00}, XXXX XX/XX/XXXXXX/XX/XXXX XXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report.I demand that the aftermentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCA and FDCPA Laws i have already filed an Identity Theft complaint FTC # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aftermentioned accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

I have several inquiries in all my reports that have not been authorized. I have attempted to write and contact all the bureaus without any luck in solving the situation. 
I am here writing all the inquiries done on all my reports separately. 

Experian : XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX Date : XX/XX/XXXX 4. XXXX XXXX  XXXX Date : XX/XX/XXXX 5. XXXX XXXX  Date : XX/XX/XXXX 6. XXXX XXXX  XXXX Date : XX/XX/XXXX 7. XXXXXXXX XXXX XXXX Date : XX/XX/XXXX 8. XXXX XXXX  Date : XX/XX/XXXX 9. XXXX Date : XX/XX/XXXX 10. XXXX Date : XX/XX/XXXX 11. XXXX XXXX Date : XX/XX/XXXX 12. XXXX XXXX  Date : XX/XX/XXXX XXXX : XXXX XXXX  Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 4. XXXX Date : XX/XX/XXXX 5. XXXX Date : XX/XX/XXXX 6. XXXXXXXX XXXX Date XXXX XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX 8. XXXX  Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX  Date : XX/XX/XXXX 3. XXXX XXXX  XXXX Date : XX/XX/XXXX 4. XXXX  Date : XX/XX/XXXX 5. XXXX XXXX Date : XX/XX/XXXX 6. XXXX Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX 8. XXXX XXXX Date : XX/XX/XXXX 10. XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting multiple XXXX XXXX accounts somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " 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 ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my files coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of the remaining items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} 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

Greetings, My name is XXXX XXXX I was XXXX from the Military and after almost a year from XXXX I struggled to pay all my debt. so I decided to enroll in the Debt Settlement Program and they promise me to pay my debt from XXXX XXXX Credit Card and they Included the XXXX XXXX Credit Card as contingency debt which I owe in the amount of {$5900.00} but unfortunately they denied the XXXX XXXX XXXX was not included on the program. so the XXXX XXXX Credit Card started garnishing my Social Security XXXX since XXXX 2014 to present. now my problem is they sold the debt to a collection agency simultaneously garnishing a portion of my XXXX. now the collection agency TRANSWORLD SYSTEMS INC. want me to pay {$6100.00} now Im confuse and helpless. 
I hope you can help me and give me advice because I do n't know what to do and how to deal with collection agency that continued collecting a payment. I will disclose the address and phone number of the involving party Sincerely XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I. 
Attn : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Credit card

To Whom It May Concern, I am writing to formally submit a Notice to Cure concerning my ongoing issues with Avant regarding my credit card application and account management. 

XXXX. **Delay in Receiving Credit Card : ** Today marks one month since I applied for the Avant credit card, and I have yet to receive the physical card. This delay has caused significant inconvenience and distress. 

XXXX. **Incorrect Reporting on Credit Report : ** My credit report currently shows a {$75.00} balance with Avant. This could lead to a reported late payment, potentially reflecting as a 30-day late payment, which would severely impact my credit score.

3. **High APR Concerns : ** I have been informed that my Annual Percentage Rate ( APR ) is set at 35.99 %. This excessive rate is alarming, particularly since I have been unable to access the card.

4. **Customer Service Experience : ** I have reached out to Avant multiple times, speaking with several representatives and a manager. Unfortunately, I have received no satisfactory resolution, and it was concluded that there was a lack of information regarding my case. This has been unacceptable and has caused me significant emotional distress. 

XXXX. **Concerns of Fraud : ** Given the circumstances, I believe that Avant may be engaging in fraudulent practices and misusing my information. The failure to properly disclose my rights and the procedures for addressing these issues further exacerbates my concerns.

**Request for Resolution : ** I hereby demand that Avant take immediate action to remedy the following : - Correct the reporting on my credit report by deleting the tradeline and waiving the {$75.00} balance. 
- Provide statutory damages for the distress this situation has caused. 
- Compensate for emotional distress damages due to the ongoing issues and lack of support. 

If these matters are not resolved properly and immediately, I demand arbitration to settle this situation. 

Thank you for your attention to this serious issue. I look forward to your timely response and a resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax regarding a few things on my credit report that were n't authorized upon doing so I was asked to verify several information I did so and was told my date of birth was incorrect the birth year they have for me is XXXX I was born XXXX XXXX XXXX I then asked the rep for the information to upload my drivers license and social security card she refused to provide that information there are things such as personal information that was incorrect and also inquires listed that I did not authorized. I also have a fraud alert on my account because my wallet was lost. Then once the breach hit and I found out I was affected by it all of a sudden all of these things are listed. There is even an account on my report from XXXX I was n't even born in XXXX I will attach that as well
Product: Checking or savings account

On XX/XX/29 I made a deposit in the form of a transfer from my XXXX XXXX XXXXXXXX account to a credit karma XXXX account. They debited XXXX instead of XXXX. I requested my bank cancel or return XXXX as I did not authorize XXXX Credit karma has now locked all my accounts. I have already submitted copies of my id front and back, my bank statements, SS number and then they requested me hold my id under my face and send that photos also. All of which I did and they still have not returned my XXXX that is in my XXXX account. They refuse to unlock my account. I want my money back. This is the second online XXXX savings account that has locked money up and keeps it XXXX. THAT IS THEFT!
Product: Credit reporting or other personal consumer reports

Equifax is in violation of multiple laws set forth by Congress regarding the following accounts shown below. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( financial institutions ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( 1 ) ( A ) states that A person ( financial institutions ) shall not furnish any information relating to a consumer ( Me ) to any consumer reporting agency ( Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. Financial Institutions can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The IRS Clearly says a Cancelled debt or charge off is income. The reporting of these accounts as debt is inaccurate. I never received a 1099-C from these Financial institutions for the cancelled debt of these accounts in order to file as ordinary income. Where is my 1099-C as required by the IRS. This is unsatisfactory. These financial institutions terms and conditions, they agreed not to share my information with non-affiliates. Pursuant to 15 USC 1681b Equifax need my written consent to furnish any information, which I never give them authorization to do so. Pursuant to federal law this is considered identity theft.

Pursuant to 15 U.S. Code 1681 ( a ) Accuracy and Fairness of credit reporting. These pictures show the inaccurate and unfair credit reporting methods which Equifax is using to undermine my general reputation as a consumer.

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) Exclusions The term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Pursuant to 15 U.S. Code 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation. 

Below you can see proof of my complaint. Please promptly delete these accounts. 

XXXX XXXX : Account XXXX XXXX : Account XXXX XXXX : Account XXXX XXXX : Account XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to the Credit Bureau on XX/XX/year> via regular mail. The credit reporting agency has failed to acknowledge, remove and block the fraudulent information appearing on my credit reports. The credit reporting agency also has failed to provide me with any correspondence, updates, or notify me of any changes and corrections made to my report. The credit Bureau has also failed to provide me with an accurate and valid credit report. The credit Bureau was sent the following information on XXXX, XXXX : credit dispute letter that included each fraudulent account and inquiry, police report, identity theft report, state attorney 's identity theft affidavit, FCRA section 605b, social security card, drivers license, and my birth certificate. After providing this information to the credit bureau they failed to delete and block the fraudulent accounts within four business days from the receipt of notice. The fraudulent accounts are still appearing on my credit report as such : XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$14000.00}, US Dept Of EdXXXX {$8200.00}, US Dept Of EdXXXX {$550.00} , XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$270.00}, XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXXThese accounts are fraudulent and were not opened by me nor did I provide them with authorization or consent to use my information, and I also did not enter or sign into any contracts , or agreements with these creditors. The fraudulent accounts should be removed and prohibited from reporting on my credit as pursuant to section 605B which states that fraudulent information is required to be blocked and removed within four business days after the receipt of all evidence provided in which the credit reporting agency has failed to do. By failing to remove and block fraudulent accounts from my credit report within four business days of the receipt of notice of each of the fraudulent accounts, the police report, identity theft report, identity theft affidavit, section 605B of FCRA, proof of identity, and credit dispute letter. The credit Bureau is in complete violation of my rights by not complying and being completely negligent by not taking any actions to correct fraudulent accounts as required by FCRA law. The credit bureau has also been negligent in providing correct and accurate credit reports.
Product: Credit card

The Home Design Loan from Synchrony Bank was offered by the company XXXX XXXX. The company billed my credit card before the work was completed as agreed upon. One document has a forged signature, the other has discrepancies as to the initial work and cost. The company never allow me assess to the eSignal documents on their device, and refuses to address the issues at hand. The documents that I received were sent to me by Synchrony Bank. The company never gave me access to the documents I requested on XX/XX/2023. The Bank stated that they did not have my signature on file, hence my dispute was deemed as a service issue.
Product: Mortgage

Pentagon Federal Credit Union has failed to pay my homeowners insurance and my insurance coverage was canceled. 

I called Pentagon Federal Credit Union on XX/XX/2021 at XXXX and spoke to XXXX XXXX He said he submitted a " research '' on this but I never heard back about any results. I called back that same day at XXXX and spoke to XXXX who transferred me to XXXX XXXX XXXX She confirmed that XXXX sent the insurance payment to the wrong address. XXXX said that Pentagon Federal would pay the insurance bill and would be reimbursed by XXXX XXXX. 

XX/XX/2021 I received a cancellation notice from my homeowners insurance company, XXXX, because Pentagon Federal still didn't pay them. I called into XXXX to reinstate the insurance and paid the {$1100.00} bill myself. 

XX/XX/2021 at XXXX I called into Pentagon Federal Credit Union and notified them that the insurance bill had not been paid and my insurance had been canceled. I also notified them that they have the date for my property taxes wrong and that payment will be a month late as well. I told them I paid the insurance bill and expect reimbursement. 

The property tax bill is due XX/XX/2021 - in approximately 2 weeks and they don't have it scheduled to be paid until XX/XX/2021. 

I called in again at XXXX and spoke to XXXX XXXX She said no supervisor is available and that I should be getting a call back within 24 hours.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my reports from XXXX, XXXX, and Experian. 
I found several errors on accounts as well as misinformation across the three consumer reporting agencies. After disputing the information, there's still errors.

It's not possible for the information to be correct " verified '' and different at the same time.

They refuse to provide proof of how they verified the information.

I know this violates my consumer rights.

I would like to exercise my right under -15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I am opting out from XXXX, XXXX, and Experian from reporting on 7 of the accounts on my consumer report. 

I have provided the proof. 
The seven accounts to be removed from my reports due to Metro2 Noncompliance are as follows : 1 ) XXXX XXXX  - Opened XX/XX/XXXX 2 ) XXXX Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX Opened XXXX, XXXXXXXX  4 ) XXXX  XXXX Opened XX/XX/XXXX 5 ) XXXX/ Opened XX/XX/XXXX 6 ) XXXX XXXX  Opened XX/XX/XXXX 7 ) XXXX XXXX Opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The 3 big credit bureaus are reporting information on this account incorrect, inaccurate and outdated.
Product: Credit reporting

I rec 'd reports from XXXX & XXXX however when I was transferred toExperian I had XXXX alternatives to get report ( 1 ) join yearly club for {$1.00} to getget a free credit report ( 2 ) monthly for a fee & ( 3 ) free credit report plus credit score for {$19.00} the other agencies were {$9.00} for score. It is very DECEPTIVE. I could not find out how to get our FREE credit report. I havecalled all the numbers given to me which are recordings with no personal help. I also called XXXX to have copy mailed and they said they could not maila credit report at this time. What Experian is pushing is a membership inCredit Tracker for {$21.00} a month or pay {$19.00} for report & score. If there is aarea on that page to apply for the free credit report it is well hidden.