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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Money transfer, virtual currency, or money service

I was offered to get paid by someone acting as if they worked for XXXX XXXX XXXX XXXX XXXX XXXX. They sent a check for {$3600.00} on XX/XX/, from XXXX XXXX XXXX XXXX in XXXX XXXX and the check bounced so when I paid for the installations on XXXX XXXX XXXX  I lost that money from my own account. I acted on the matter on Cash App by reporting the scam and requesting a refund but I was declined.
Product: Debt collection

Holloway Credit Solutions is contacting me about a medical debt that I did not incur since I'm not a patient of XXXX XXXX XXXX XXXX. The debt is for my daughter who is an adult over the age of XXXX and I'm not responsible for her medical expenses. Holloway Credit Solutions made no attempt to verify that the debt is mine and assumed that incorrect information from XXXX XXXX XXXX XXXX was accurate. Also, my daughter has paid XXXX XXXX XXXX XXXX for the debt in question.
Product: Checking or savings account

I deposited my economics stimulus check for {$850.00} via online app with Chase bank on XXXX XXXX, I called the bank XXXX to be told a 10 day hold was placed on the check for fund to be verified. The funds would not be available in my account until XXXX for a US Treasury issued check mailed to me. They stated the US Treasury flagged the check for funds to verified. I called the US Treasury at XXXX XXXX option XXXX whom stated they do not flag US Treasury checks, that its the bank. She confirmed that check paid out on XXXX. I contact Chase bank check-hold department again gave them the information and they still refused to investigate and release funds. 
I sat on how for hours at a time trying to get them to understand I needs my funds, I has {$26.00} dollars in my account and no one at Chase bank cared, nor that I HAD been a customer since XXXX, and I couldn't get a penny of a US Treasury issued check.
Product: Debt collection

This company has continued to report information negatively on my credit file that I can not dispute not confirm. 
They have not provided me documentation showing any form of contract between myself and NCS They have not provided me written notice regarding this debt
Product: Checking or savings account

I have always had issues with over drafting fees.Cant give dates because it goes back to far back and got tired of arguing with over and and over many times. But feels it unfair and insufficient fees are outrageous especially when charging more than once.
Product: Credit card

Please see attached letter which has all the details of this conflict. Truist has credited me with the smallest amount of the three disputed charges. 

I dont what else to do with them sort of Magistrates Court
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Santander Consumer USA , INC about account number XXXX that was opened XX/XX/2020without my knowledge I submitted a copy of my police report and ftc identity theft affadavit but they denied it and said it was accurate information. I was active duty status during the time this account was opened I contacted and they refused to block and or remove this account.
Product: Credit card or prepaid card

The CARES act is giving {$450.00} Billion to the Fed who is turn buying up bad debt of the five major banks in return for a paltry 0.25 % interest rate. There appears to be no stipulation that the banks on the receiving end of these bailout funds has to reduce or remove the high-interest rates it charges its customers. ( 15 % -24 % ) Given essential free money being given by the taxpayers to fund the risky investments made by these banks, don't we have a right to have our interest rates reduced? 

In essence, the Fed is taking my future tax dollars and lending them to these banks who are then turning around and offering them back to me at 20x the interest rate. How is that legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX & Account # XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Ally bank took over GMAC. XXXX I paid off my 2009 XXXX early as I purchased it in XXXX brand new from a dealer in Idaho. I have copies of my last 9 checks and they are made out to Ally Bank and cashed/deposited to Ally Bank. I have called Ally bank 9 times and they refuse to give me my lien release. They say only the dealer can be sent the title when I in fact paid directly to Ally bank. They have sent me 4 letters they say I paid off my car. That is not enough for the state of Montana to change the title. The state of Montana needs an actual lien release. Through my 9 phone calls I was told only the dealer could be sent the title. Which they had some dealer in North Carolina as the dealer when in fact I bought the car in Idaho. They lie to me and tell me they are sending the lien release when in fact it is not, it is the letter stating that I paid off my car-four times they lied and sent me this letter. I started this process on XX/XX/XXXX and it is now XX/XX/XXXX and they are still being dishonest, in error sent my title to someone in North Carolina and I have no options as they will not help me at Ally bank. They are required by law to send me a title released of the lien and a lien release to the state of Montana. Which they have done neither and are breaking the law. They are also required by law to assist me when I paid them off and they are not. I have gathered I am not the first to struggle with Ally bank in this regard. Many have had to retain a lawyer to get a simple lien release. It is has been almost 7 years and they have 90 days to get me my title/lien release and they refuse.
Product: Credit reporting or other personal consumer reports

In XX/XX/2021, I was hospitalized XXXX XXXX for a little over a month. I had no access to the internet, data, or my phone and was sedated most of the time. I was UNABLE to make my payment on their payment portal. Since then they have been reporting this late payment, even after numerous attempts and even proof sent to the company of my inability to make my payment due to reasons BEYOND MY CONTROL. For XXXX years they have denied me a good faith deletion of the late payment on my account that has been open for over XXXX years, it is THE ONLY late payment in the history of the entire account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several phone calls to equifax attempting to correct my credit report for two months. I informed the company that I have 7 hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not requested or applied for any type of credit. Equifax refuses to research the situation with these companies directly and remove these inquiries. I have not signed or made any agreements with any of these companies and I informed equifax of the federal laws and they wont remove them. Please help me get my report corrected.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed two accounts that were not reporting accurately. one was XXXX for XX/XX/year> and the other was XXXX XXXX on XX/XX/year> that were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. Both accounts have not been late on payments and I've attached a copy of my report to this complaint on the following dates, I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

My Bank of America Account was hacked. The hacker opened a new account, transferred the money from my savings account, then withdrew a total amount of {$6100.00}. I have contacted Bank of America several times to no avail, first on XX/XX/XXXX when I found out about it and next on XX/XX/XXXX to refile my claim after the first was denied.
Product: Mortgage

I have made bi-weekly payments since prior to the Penny Mac company taking over the servicing of my loan. I have also always made my payments a month in advance and for more than the monthly payment so that I can have additional money go towards my principal. Since Penny Mac took over the servicing of my loan I have had one issue after another. My taxes were computed and calculated at over twice the amount that was due. My payment automatic withdrawal was then adjusted without my knowledge or consent to be raised even higher than what I was already paying ( with the additional amount for principal ) When I called I was told that was standard and that they would have sent me a notification for the increased amount later. That because I was in effect paying the month prior- that it was simply a mix-up. ( In fact, it appears to be a bad process that is poorly thought out and implemented ) Then I got that stopped. I was assured they would manually process both payments in XXXX so that they were made in time for my XX/XX/XXXX payment due date. Which they did indeed process them. Now, though I am told they were misapplied. I have also checked my account to see that they did not process the partial payment for XX/XX/XXXX as it should have been either. All of this has resulted in my being considered behind. Now I am again behind for this month because they did not process my payment in XXXX. This company is unprofessional and clearly has poor processes in place to ensure that accounts get credited timely and appropriately. When speaking with members of their customer service team they frequently are uninformed or make changes to my account that has unintended consequences. I am beginning to wonder if they are intentionally misapplying payments so that they can accrue additional fees in light of the fact that I clearly intend to pay this mortgage off early thereby reducing their profit off my loan. Calls to customer service continue to be stonewalled with low-level agents who are unable to make and or understand the changes that clearly need to be made. Now - here I am - dealing with trying to catch up when I have been paying all along. Seems grossly unfair, shockingly incompetent, and perhaps illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/18 I SENT EXPERIAN A DISPUTE FOR ACCOUNTS CONCERNING XXXX XXXX, XXXX, XXXX XXXX AND XXXX/XXXX XXXX. ON XX/XX/18 THEY REFUSAL TO INVESTIGATE LEGITIMATE DISCREPANCIES. I HAVE BEEN DISPUTING THESE ACCOUNT WITH THEM AND THEY HAVE YET TO PROVIDE ME WITH ANY INFORMATION OR PROOF ON HOW THESE ACCOUNTS ARE VERIFIED. This is a Violation Under the Fair Credit Reporting Act 15 U.S.C. 1681g.Reinvestigation, does not mean I, the consumer prove to EXPERIAN that it's no correct and send them the information proving it to be wrong. Re-investigate means just that for Experian and if it can not be VERIFIED it must be deleted. As, prescribed by SECT. 611 ( 5 ) A. I have the dates that I sent Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Notwithstanding paragraph ( 2 ), a court may not impose any civil penalty on a person for a violation of Section 623 ( a ) ( 1 ) unless the person has been enjoined from committing the violation, or ordered not to commit the violation, in an action or proceeding brought by or on behalf of the Federal Trade Commission, and has violated the injunction or order, and the court may not impose any civil penalty for any violation occurring before the date of the violation of the injunction or order.

I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : 1. XXXX XXXXXXXX XXXX XXXX XXXX - This account was paid in full 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX - This account was paid in full 4. XXXX XXXX - # XXXX
Product: Student loan

I have been participating in the Public Service Student Loan Forgiveness Program since XX/XX/2010. I have made my payments every month, on time and never missed a payment. I have been with the same employer for over 11 years and they continue to verify my employment certification. 

To date, I have 18 ineligible payments because they are in " pending review status '' or I was placed in administration forebearance ( which I did not request ) dating back to XX/XX/2010. I have requested a review of these ineligible payment and still have not received a response back. Each time I call, they advise that I just have to wait and will get back to me when they can. They explain that they can not give me an answer because it's in the hands of the department that handles the review. And customer service does not speak with this department to be able to check on the status and provide me any information. 

I continue to make payments towards my student loans but have made more than 120 payments.
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. 

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 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

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$8200.00} OAKLAWNHYU 12/5/2023 CORELOGIC 10/18/2023 AMERICANCR 9/7/2022 JASMINE SUMMERAKK XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting me 90 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting me 120 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified. 

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX Account number : XXXX Possible Financial XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Money transfer, virtual currency, or money service

When finally getting around to reconciling my bank accounts, I realized that that on XX/XX/XXXX I had an ACH transaction initiated from my XXXX   Checking Account for the amount of {$4500.00} to my Capital One 360 Checking Account with the Trace number of XXXX. Investigations were conducted by both sides to arrive at the conclusion that XXXX shows the money being sent, but Capital One 360 does not acknowledge receiving it.
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 federal protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions 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 cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX, I disputed information on my credit report. I ask the 3 credit reporting agencies to verify information on my report to insure that it was accurate.

They later confirmed that the information submitted was validated, 100 % correct.

When submitting information to more than 1 credit agency, all information must match.

I have attached documentation of the information. You will see that it differs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Has not removed the inaccurate item account on my report. Its been over 30 days this a violation of XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX 1st. This is an invasion of privacy 15 U.S Code 1692 ( a ) 2nd. You are in violation of 15 U.S. Code 1681e ( b ) - This account is not accurate.

I have previously disputed this I do not agree with the results.

this items needs to be removed asap