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. 

XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
Dept of Ed XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Subject : Disputed Debt Collection and Reporting Regarding Short-Term Lease Agreement Description of the Issue : I am submitting a complaint concerning a debt collection and credit reporting issue with my former apartment management 's debt collector. The matter involves an alleged debt of approximately {$1700.00}, said to be due to a violation of the 30-day notice requirement to vacate my short-term leased apartment. I believe I had communicated my intentions to vacate adequately, which is now being disputed.

Details : 1 ) Lease Duration and Terms : My lease was effective from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It was a higher rent than typical one-year leases, accommodating the short-term nature of the agreement. My lease was intentionally short-term to align with my professional commitments. I was matched to XXXX XXXX XXXX XXXX and planned to move to XXXX XXXX, necessitating a flexible living arrangement for the few months I would be in XXXX This professional situation was communicated to the apartment management at the outset. 

2 ) Initial and Verbal Notices : Upon lease signing, I communicated via email on XX/XX/XXXX, my intent to vacate after about three months, which I believed served as my notice. Further, during a lease renewal discussion in XXXX, I verbally confirmed my move-out plans at the leasing office, assuming that these discussions were sufficient as notice, given the clear understanding of my limited stay. Throughout my interactions, the requirement for a separate written 30-day notice was never explicitly communicated to me, nor did it seem necessary given the managements awareness of my impending departure due to professional reasons.

3 ) Dispute Notice and Lack of Response : Immediately upon being contacted by the debt collector nearly two years post-vacation, I sent a dispute notice in XX/XX/XXXX, challenging the debt 's validity. Since sending this notice, I have not received any validation of the debt or further communication from the debt collector. 

4 ) Unauthorized Credit Reporting : Despite the dispute, the debt collector reported this alleged debt to the credit bureaus, adversely affecting my credit score. Given the lack of debt validation and ongoing dispute, this action violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Action Taken : I have disputed the validity of this debt directly with the debt collector and now seek the CFPB 's intervention to investigate these practices. My goals are to ensure compliance with federal consumer protection laws, correct my credit report, and address the improper debt collection and reporting activities. 

I appreciate your attention to this matter and look forward to your support in resolving this issue effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these accounts shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found accounts are not reporting accurately. Two accounts that are reporting late were in fact paid on time. I need the consumer reporting agencies to report accurate information. I am requesting you to investigate these accounts thoroughly and accurately and update payments to paid on time immediately. 

List : XXXX XXXX XXXX, Account number : XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Account number : XXXX, XX/XX/XXXX I have attached a copy of my report to this complaint. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number : XXXX. This account have resulted in several fraudulent collections appearing on my consumer XXXX credit report I do not recognize the XXXX account collection as reported. The XXXX account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, are the result of identity theft and fraud. I have also included a related local police report from XXXX XXXX POLICE DEPARTMENT whereas an individual used a fake ID with my information and their picture to fraudulently open a bank account in person, this is suspected to be the same individual who has stolen my identity with the aforementioned account. I have included a copy of my Drivers license and Social Security card to validate my real identity. All supporting info is included in the attached PDF document.
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 XXXXXXXX XXXX XXXX : XXXXXXXX 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: Checking or savings account

Chase has an issue understanding what an available balance is. When the consumer facing side shows an available balance, it apparently means unavailable in the Chase system in their benefit. On multiple occasions, including last night, my direct deposit is displayed in my available balance and then an hour later transactions are posted to my account, and despite the consumer facing side showing and available balance of {$1900.00} at approx. XXXX I was charged an overdraft fee at approx. XXXX for a transaction that displayed as being posted at approx. XXXX. I have been told by Chase that their system has no time stamp of when the consumer facing side shows the available balance addition of the direct deposit or the time stamp for when transaction are actually posted as being paid from my account. I find that excuse to be an insufficient explanation.
Product: Credit card

On XXXX I logged into my Citi Bank XXXX to view my balance and pay the {$99.00} bill for my credit cards annual fee. Upon logging in, I noticed a XXXX balance transfer was initiated on XX/XX/year>. I did not request this balance transfer. 

On XX/XX/year> at XXXX XXXX I called Citi credit card XXXX XXXX XXXX ) department and reported the transaction as fraudulent. They informed me that the balance transfer sent to a checking account, which I did not open, with Citi Bank in my name. Then a couple days later {$7200.00} of that balance was transferred again to another Citi Bank account to an individual I do not know. 

I then called Citis Banks Banking fraud ( XXXX ) department on XX/XX/year> at XXXX ; XXXX XXXX and reported the checking account that I did not create as fraudulent and had the account blocked. 

Since then, I have called Citi Banks credit card fraud department on XX/XX/year> at XXXX XXXX to confirm that theyd submitted my credit card fraud claim as it wasnt showing as a disputed charge in my app. They informed me that it would now show as disputed because a new card had been issued.
Product: Mortgage

I 'm a XXXX year old XXXX that has a 10.99 % interest rate on my primary property with loan servicer Select Portfolio Servicing. I requested a refinance so that I can lower my interest rate and mortgage payment and SPS advised my to apply for a loan modification. I was approved for a loan modification with an interest rate of 9.74 % and they added {$2000.00} to my principal balance. SPS claims they based the loan modification on the information that I sent in. However, the information that I sent illustrated an income lower than they income they used to structure the loan modification. SPS wants me to start a trial loan modification that I strongly disagree with because the income is n't correct and the interest rate is too high
Product: Credit card or prepaid card

In XXXX of XXXX I got XXXX XXXXXXXX with the XXXX XXXX ( XXXX XXXX XXXX ). Prior to the XXXX I attempted to place the {$4000.00} charge on my XXXX. The finance manager insisted that I use Care Credit instead, as there would be no interest charged. He claimed that the automatic payments would be for two years and then I would be done, no interest.

Fast forward two years, and I have not missed a single payment, and in fact, I have occasionally paid a larger than required monthly payment in hopes of paying off the balance prior to the 2 year period. I still see charges to my bank balance after 2 years and so I check my Care credit account and see that I owe a whopping {$3400.00}. 

I call Care Credit customer service and the agent explained to me that the account should have been set up for " equal payments '' not " no interest/deferred interest '' by XXXX XXXX XXXX 
My question to her then is, how should I know that? I did not set up the promotion account, the finance manager at XXXX XXXX set up the account, and he was actually acting on behalf of Care Credit/ Synchrony Bank when he set up the account promotion for automatic payments. 
I reasonably assumed that he knew what he was doing. He was the one who pushed Care Credit as payment option onto me, with the lure of no interest, I wanted to do XXXX. 
The agent at Care Credit, reiterated that she could not do anything about this and essentially I am stuck with the bill, even after inadvertently admitting that this was not my fault. 

Apart from the misrepresentations made to me to use Care Credit, here is what is even more troubling about their business practice ; When I made bigger monthly payments of {$500.00} to " chunk down '' my bill, in hopes of paying it off sooner than the 2 years, their payment system automatically recalculated my remaining monthly automatic payment to a lower amount, to ensure that there would be an outstanding balance at the end of the 2 year " no interest period '' as long as my account remained on auto pay. This I find misleading and fraudulent, because the account was supposedly set up to pay off automatically in 2 years, with no interest. 
I spoke to several account managers at Care Credit who claim that they could do nothing to help, except refer my case to customer relations. Account manager " XXXX '' was extremely callus, insensitive and abrasive to my situation. 

Do note that the cost of the XXXX XXXXXXXX was {$4000.00}. Care Credit has tacked on additional {$2300.00} in interest. which is over 58 % How is this even legal? How is this not XXXX? 

I would like for Care Credit/Synchrony Bank to remove this interest penalty from my account and revise their payment system and also train the people that market their products to unsuspecting customers on how to set up the accounts properly. 
While I strongly suspect that the system is set up this way to intentionally take advantage of the American consumer, I am patiently waiting to see the outcome of this. Something must be done on a governmental level to penalize this predatory organizational practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my personal information on my report accurate since XX/XX/2022 with Experian. The method of contact each time I have contacted them to dispute my personal information were by phone. I received XXXX emails afterwards each time I contacted them via phone. XXXX was to rate my experience and the other one was my dispute results. 

Experian removed all inaccurate information on my report for personal information except for XXXX of the names that is attached to my report that is inaccurate. The name that is showing up as First, Middle, and Last name is inaccurate. I have a total of XXXX names showing up under my personal information ; XXXX of the names is inaccurate due to incorrect spelling of the middle name which can be labeled as a form of fraud. To prevent that from happening I called again ( multiple times ) the same day of receiving my dispute results e-mail on XX/XX/2022. Hoping I could get it removed. 

I received my dispute results on XX/XX/2022 for the phone dispute I did after calling again. 

I spoke with several employees but this specific male employee ( I have his first name only ) did not have good customer service. It seemed as if he already knew what I was calling about so he was prepared. I asked to speak with the office supervisor or manager and he stated that he was not transferring me to the supervisor. Instead, he asked me what I wanted to speak with the supervisor about over and over. Please, pull the phone record if needed because I had a very bad experience when all I needed was the inaccurate name removed. His attitude was more nice nasty and his customer service should have been better because his job is to help me even if he can't. 

It is now XX/XX/2022 and I still have the inaccurate/misspelled name on my report when it needs to be removed. Experian employees was giving me a hard time about it and wouldn't remove it even though I have every right because it's inaccurate.
Product: Credit reporting or other personal consumer reports

Im reaching out because I found some accounts on my credit report that dont seem accurate. Im asking for these accounts to be investigated and removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate the effort made to address some of the fraudulent items in my file stemming from an alleged identity theft. However, there are still unresolved items that require attention. This marks my third complaint regarding being a victim of identity theft, and I have diligently submitted disputes for the inquiries and inaccurate information resulting from this crime. The items I am disputing do not pertain to any transactions involving the acquisition of goods, services, or money that I have authorized. I urge you to remove the reporting of these inquiries from my credit file, as they are the result of alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These items are unknown to me, and I have doubts about their accuracy, especially considering that similar information has been deleted from other bureaus. Additionally, the reported history dates on these inquiries are unclear to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I urge you to take action promptly to address these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX  XXXX  Date of Inquiry XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian over 4 letters making them aware of their gross violation of my federally protected rights as a consumer. they have disregarded all of my letters with exception to the letter that I posted on the previous CFPB complaint, which they closed and never proceeded to actually investigate any of the accounts that were clearly in the letter. 
the next step is filling a lawsuit as it so clearly states In the letter I do hope and wish that we can cordially arrive at the ready I am presenting.
Product: Debt collection

I did not have any kind of cable service in 2021 with this company. If this debt was bought from the original debtor then this account is too old to be on my credit report as I did not sign any forms nor verified this is my debt. Please provide proof that I in fact open an account with you. If no proof is provided remove from my credit report effective immediately
Product: Debt collection

On XX/XX/2018, [ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

My judgement was satisfied, XX/XX/XXXX with Hunt and Henriques. 
According to the XXXX : H & H failed to : Release Document, Put County Name on Doc, Record Abstract, Record Instrument # On Doc, Failed To Report A Lien On Property ( Still There ). I sent original to XXXX XX/XX/XXXX who upon receipt told me, " Doc was never released, lien is active, Doc was prepared incorrectly and Recorder had to it return to Hunt and Henriques. '' ( I thought H & H had taken care of this over a year ago. ) To date, H & H has failed to return calls to recorders office or return the corrected and updated Satisfaction of Judgement. This has damaged my credit, and reputation ( XXXX shows my judgement as active on line ), XXXX just corrected XXXX over a year after I paid, and takes no responsibility for the Collectors ' actions, and the property shows an active lien. The property is unable to be sold with the lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$15000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}