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

In accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies 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: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with XXXX loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also XXXX loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even XXXX years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans. The companies are XXXX XXXX XXXX and XXXX XXXX and XXXX and XXXX : XXXX
Product: Debt collection

I 've called this company at-least two times a week. They will not give me a proof of my bill. There 's never a manager available, They wont even work out a payment plan with me. This student loan is causing a hold on my student account which means I can not transfer to any other schools to further my education.
Product: Debt collection

Collection popped up on my credit report from XXXX XXXX now in the hands of XXXX XXXX XXXX. Called and spoke with both. XXXX XXXX said i had a {$0.00} balance. XXXX XXXX XXXX claims i owe {$210.00}. The date of the debt they claim i owe for is months after i sold the home. As well as switched services to the owners. Paid my final bill at the time services were switched. Also never even had XXXX. Whole time i lived there it was XXXX. No calls or letters in the mail. Straight to collections they send me. Never before had collections or late payments in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXX XXXX  XXXX XXXX, XXXX NY was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

Loan Care is known for doing bad practices of this nature. If this matter is not rectify ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX XXXX XXXX, XXXX XXXX XXXX,. XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

A negative inquiry from XXXX XXXX was placed on my TransUnion credit report. I was never informed XXXX XXXX placed me for collection for {$87.00}, since then I have paid the account, thus bringing the balance to {$0.00} and the account has been cancelled.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that there was fraudulent activity across all bureaus. This is effecting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

Complaint : Closing Disclosure was made/originated day-of closing ( Monday XX/XX/2020 ) ; there was no time to evaluate the financial changes and impact and we did not even know it was new at the time of closing ; there was no information given that the Disclosure was new/re-calculated and there was no explanation for changes in values. The 3 Day rule was violated in bad faith as the changes remained unknown until the next day when we were informed we were still ~ {$4100.00} short. We had to secure this money, with no notice as to why, before our keys would be released to us. We had consummated the closing the day prior. No party involved knew there was a change in Closing Disclosure ; on Monday XX/XX/2020 it was stated that we were funded and good to go. There was no notice we were still short and that the wired amount was insufficient. We did not waive the waiting period under any circumstances, implied, ambiguous, certain or otherwise. The dollar amount wired to conclude the transaction was based on the only Closing Disclosure in our possession. 
As the change ( s ) to the Closing Disclosure made by Eagle Home Mortgage was both a surprise and not in our favor, EHM should be considered to be non-compliant and to have acted in Bad Faith. 

Party 1 : Buyers XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Party 2 : Eagle Home Mortgage Underwriter : XXXX XXXX ( XXXX ) XXXX Subject address of transaction : XXXX XXXX XXXX XXXX, TX XXXX Evidence : We have evidence that the new Closing Disclosure was made on XX/XX/2020 at XXXX pacific, XXXX central. This is a fact that can be proven as the document is timestamped for that date. On the time of closing XX/XX/2020 at XXXX central, the only Closing Disclosure available to us in our portal was apparently an older one ; the new one was not produced, provided, uploaded. The Title Company was unaware this was a new document. We have evidence that as of the next day, XX/XX/2020 the new Closing Disclosure was still not uploaded or made available to us. On the next day, the Title Company articulated that they too were confused at the lack of funding and they were unable to reconcile how they had a Closing Disclosure which was different from the Closing Disclosure that was found in our Portal on EHM 's site. There were no emails which informed us that there was or would be a new Closing Disclosure. 

Attempt to resolve : Upon calling XXXX XXXX on XX/XX/2020 he stated that he had been compliant and cited the relevant statute. Obviously, this was an inaccurate statement. 

We can and will provide the evidence required to support the allegation of non-compliance and Bad Faith. 

As of the day of this Complaint, XX/XX/2020, there is still no new Closing Disclosure provided to us ; there is still no explanation of detrimental change of costs. 

We hereby conclude EHM acted in Bad Faith as the changes were detrimental to us financially, unexplained and violated the 3 day rule, and hereby demand they ( Eagle Home Mortgage ) refund to us the value of the difference which we were forced to pay in order to surrender our keys to us.
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 XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states that I have the right to privacy 15USC 1681 section 504 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section states : no consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 USC 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 card

XXXX XXXX or XXXX XXXX  I was attempting to organize my newly installed Wi-Fi and internet thru XXXX. I could not get my XXXX XXXX Acct. to load onto my system. I called XXXX which in turn gave me a phone # to call for technical assistance. I called the # and spoke to a man named XXXX. XXXX guided me thru the set up and had me click on various spots throughout the set up. Afterwards he asked me if I would like to hear an offer that would give me three years of XXXX XXXX with all benefits for {$150.00}. Being that I was given the phone # from XXXX I didn't see any problem at the time, and it would save me money. So, I gave him my XXXX # and he stated that it would take up to 3 months before my current charges for each month with XXXX XXXX would stop and the three-year period would start. I asked why he was able to do this as he was a contract technician. He stated that he was in a position to offer this deal and this deal only to certain valued customers by XXXX. I approved the transaction and XXXX again stated that it would be at least three months before this would go into effect. XXXX had stated that if there was a problem to call back at the same phone #. I did three days later to inquire about the legitimacy of the transaction. He assured me and stated if I wished we could cancel the transaction. I did not. So, a few months later I was still being billed on my other B.O.A. XXXX. for XXXX XXXX. I called B.O.A. ( I had an unauthorized charge during the month of XX/XX/2023 on the same card and I only used this specific card for unique purchases ). I think these charges have to be linked so with realizing a possible connection and the fraud I asked for a new card & #. this taking place in XX/XX/2023. I was credited for both charges, and I thought that was over with. Then a few days ago I noticed that there was a {$150.00} charge on the same card. After trying to get to the right person with B.O.A. Monday XXXX XXXX  and the morning of Tuesday XXXX XXXX. I finally got to speak with XXXX with B.O.A. Fraud Services after speaking with another representative with the fraud dept. earlier. XXXX stated that they had received 27 pages of evidence where I had approved the transaction for services rendered. I asked what services were provided as per the evidence. XXXX replied that it only stated services rendered and that was what they were going with to deny my fraud claim. I called XXXX and the young girl I spoke with did not have a clue as to what I was trying to get across to her ( that XXXX had given me the phone # to call for technical assistance ). She stated that I was not signed up for the three-year program with XXXX and no payment had been received from me for such. I can not be the only person scammed like this by these individuals. I am waiting to see if B.O.A will let me appeal the decision to deny my fraud claim after I receive the evidence from B.O.A. Since B.O.A. 's decision I cancelled that specific card.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. State l 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 agencies can make any consumer reports 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 Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of XXXX. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX Nevada is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT DOES NOT BELONG TO BE
Product: Money transfer, virtual currency, or money service

My Chime was taken by someone and they The were able to change all my information like email, phone number password address to help them log in and use my account. This went on virtually unnoticed. I discovered something was going on when on when I set up a transfer from my Chime to my XXXX and another from my Chime to my XXXX on the XXXX of XXXX. The following day XX/XX/XXXX my XXXX account was suspended. 
The day after that XXXX permanently closed all my accounts with the reason being the Chime account holder reported the transfers as Unauthorized. IM THE ACCOUNT HOLDER OF THAT ACCOUNT. I most certainly did NOT report my own transfer especially due to the fact I can't even get into my Chime In the first place. I called Chimes customer support which they were absolutely no help at. " XXXX '' the representative I spoke ended the conversation by writing my email down and telling me his supervisor and a team were going to look into this matter and email there findings to me in 24 hours. They never did. The people or person who took over my account cleared out all my money and I still to this day can't login to my account. They require me to upload photo identification to change information to help me get in. Which I don't have due to a DWI got. How ironic isn't it. They allowed a stranger to infiltrate my account giving them access to sensitive information and my financial information and funds.
Product: Debt collection

Repeat phone calls and messages One today at XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was compromised. The company is XXXX. I have tried for many years to get the wrong information removed but it was always denied by XXXX. My engagement number is XXXX This is to reference that my information has been compromised from XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an inaccurate collection account that has reappeared on my XXXX credit report. The collection account, reported by IC System for {$230.00}, is tied to a debt with XXXX XXXX. This is the exact same debt that was previously resolved and removed from my credit report last year, following a complaint I filed with your office. 

To provide background, this issue arose after I moved to a new residence in XX/XX/XXXX. I contacted XXXX to transfer my XXXX services to the new address and was assured that my final bill from the old address would be transferred to my new account. However, this did not happen. Despite multiple attempts to resolve the matter with XXXX, their representative confirmed that the debt had been improperly assigned to my old account. A ticket was submitted ( Ticket Number : XXXX ) to correct the error, but it was not properly addressed. 

In XXXX, when XXXX XXXX  was handling this debt, I filed a complaint with the Consumer Financial Protection Bureau, and the collection was removed from my credit report. That complaint was assigned case number XXXX and was submitted on XX/XX/XXXX. However, the same debt has now been picked up by IC System and incorrectly reported once again on my XXXX report. 

Given that this is the exact same debt, I request that IC Systems collection be removed from my credit report as it was previously found to be inaccurate. I am submitting this complaint to seek your assistance in resolving this matter once more.
Product: Credit reporting or other personal consumer reports

Checked my credit report on XX/XX/XXXX. I noticed XXXX inquires on my credit report that I did not authorize. I've called, XXXX XXXX at XXXX pulled XX/XX/XXXX, XXXX XXXX XXXX at XXXX pulled XX/XX/XXXX, XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX at XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX pulled on XX/XX/XXXX, Search XXXX XXXX XXXX XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX  at XXXX pulled on XX/XX/XXXX with no resolve. I'm requesting to have these be deleted from my credit profile. All other inquires are mine. 

I've contacted XXXX XXXX XXXX  several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX to remove late payments on my credit report. I was no late on any payments. All payments paid on time. Now XXXX XXXX XXXX  only accepts payments via XXXX XXXX of which I paid my account on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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: Bank account or service

Discover Bank had frozen all my accounts on XX/XX/2016. I understand that the bank could have legitimate reason to freeze accounts, but it has also a duty to notify an account holder. It has not been done timely in my case. I was unable to use my accounts until XX/XX/2016, because the department who placed a hold on my accounts was closed over the weekend. What was most appalling about the way the situation was handled that while on XX/XX/2016, the bank representative was apologetic for not notifying me, on XX/XX/2016, the bank representatives, one after another, changed their tune and started telling me that they had called me to let me know that my accounts are being frozen. I spoke with XXXX, then with XXXX ( ID # XXXX ), and finally with Discover Bank supervisor XXXX ( ID # XXXX ). I asked XXXX to document my complaint. XXXX claimed that she has filed a complaint on my behalf and gave me conformation # XXXX. Further, XXXX stated that she will be investigating my complaint and will credit {$50.00} to my account ending in XXXX if she finds that Discover Bank has failed to notify me by calling my phone number ending in XXXX. My phone registers all incoming calls, there is no record of calls made by Discover Bank. XXXX made a promise on behalf on the Discover bank and such bilateral promise is legally binding and enforceable in a court of law. I want Discover bank to live up to its promise and credit {$50.00} to my account ending in XXXX for inconvenience and havoc the bank caused by failing to timely notify me about its adverse action.