23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent a debt validation letter to XXXX XXXX XXXX XXXX  and did not receive the proper proof that any of these accounts are valid or mine they didn't send any original paper with my signature.They had 30 days and they only sent a bill paper I sick of this company and putting my credit down.Something needs to be done!
Product: Credit reporting or other personal consumer reports

{$230.00} on XX/XX/XXXX I disputed an XXXX XXXX XXXXXXXX XXXX account ending in XXXX on my XXXX credit report this account was open in XX/XX/XXXX now after the dispute XXXX falsely reaged this XXXX XXXX XXXXXXXX XXXX  account to XXXX of XXXX I never even had this account open in XXXX of XXXX it wasn't open until XX/XX/XXXX. XXXX keeps telling me I am wrong with this information this information was taken directly from my credit report I've been pointing out the errors so how could I be wrong when it's what experience is showing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report. 
Below I have provided the unauthorized inquires that appeared on my report. 

-Consumers co XXXX Inquiry Date XXXX ) -Capital one ( Inquiry Date XXXX ) -XXXX card ( Inquiry Date XXXX ) Capital one ( Inquiry Date XXXX )
Product: Debt collection

This phone number is not associated with a human. They repeatedly call this phone number and tell me to call a different 1-800 number back. 
Their last call to me was for my phone number XXXX XX/XX/2020 XXXX. Their number they called from is XXXX. Tyey want me to call back to XXXX XXXX XXXX. 
The name they are collecting from is no one in my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Product: Mortgage

On XX/XX/XXXX Closed on a 15year conventional mortgage with Sun West Mortgage Co XXXX ID XXXX Loan Amount : $ XXXX 3.125 % over 15 years At closing Sun West collect prepaid interest to XX/XX/XXXX My 1st monthly payment was not due until XX/XX/XXXX On XX/XX/XXXX I made a payment to Sun West for {$1500.00} I called Sun West and asked them to apply this 1-time extra payment directly to principal owing. as I had no interest owning at the time.and my first monthly payment was not due until XX/XX/XXXX. 

I recently got my statement and Sun West did not apply the entire XX/XX/XXXX payment to principal. They took {$560.00} from the XX/XX/XXXX payment as interest and only applied {$940.00} toward principal. This is unfair as {$560.00} in interest was not due for another month ( not until XXXX ). 
I contacted Sun West about this and they refused to fix the issue on XX/XX/XXXX I made a payment to Sun West for {$1500.00} This is to cover my monthly payment starting XX/XX/XXXX Again Sun West took {$560.00} in interest ( not due until XXXX ) for the entire month of XXXX I sent Sun West an email about this. 

Note Terms : All payments accepted and applied by lender shall be applied in the following order of priority : a ) Interest due under the Note b ) Principal due under the Note c ) Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due and then to reduce the principal balance of the Note.
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. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

In accordance with the fair credit Reporting XXXX XXXX XXXX # XXXX, has violated my rights. 
15 USC 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 n treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose. 
XXXX
Product: Debt collection

Talked to two employees at XXXX XXXX XXXX. First called my employer number ( wasnt given previous permission to contact ) and repeatedly shamed me for not making a payment since XXXX and experiencing XXXX 

Second call was made to report the first rep And the XXXX used the exact same method. Tried to work out a way to make payment but he said it wouldnt work and I need to pay right now with credit or debit card. Both calls were recorded and will be seeking recordings for verification of harassment as this matter is escalated.
Product: Debt collection

On two different occasions I sent letters to Transunion about my inquiries. I have not received a response from Transunion. I have a copy of the certified letter card. I am a federal protected consumer and I know my rights. 15 usc 1681 m..
Product: Credit reporting or other personal consumer reports

I received a notification that XXXX  XXXX XXXX removed my discharged bankruptcy information on their credit cards I had and added a remark of being several days past due. This error caused my credit score to drop XXXX points causing it to he XXXX. Someone has mistakenly made this change and has affected my credit and causing a hardship to now be able to be in immediate position to move if needed. They need to correct this outrageous life affecting error and put all of those bankruptcy XXXX  XXXX discharge information/coding back onto all of those credit cards they incorrectly removed and return my credit score to the XXXX range that it was.
Product: Mortgage

Myself & 2 other females contracted United Built Homes to start  construction on my property on XX/XX/XXXX. First 6mos. no interest. We were prequalified for a 3.75 % int.rate ( the house had to be completed before XX/XX/XXXX ). In XX/XX/XXXX, our int. rate was 6.50 %, house not completed. In XX/XX/XXXX, one of co-owners died, reducing our income {$1100.00}. Three days later, our int. rate jumped to 9.47 % because we had not refinanced with our pre-qualified lender We tried to abritrate, explaining oc the co-owners death. We asked about finishing our home so we could get our Cert.of Occo
Product: Checking or savings account

On XX/XX/XXXX, I discovered that someone had filled out withdrawals slips with my name and social security number on them and withdrew {$800.00} from my checking and {$800.00} from my savings accounts on XX/XX/XXXX. This was done at the Chase Plaza at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and I live in XXXX. The bank teller should have noticed that this was a fraudulent transaction, as this was not in my home state. The social security number on the withdrawal slip should have raised a red flag with the teller. I also have fraud alerts set up on my accounts and received no alerts. I reported the fraud to Chase, and they refused to investigate the incident or reimburse the {$1600.00}, since it was outside of their 60-day fraud window.
Product: Credit reporting or other personal consumer reports

Recently checked my credit report and I noticed I have been a victim of identity theft and found numerous credit inquires i have no knowledge of here are the inquires that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove These fraudulent inquiries from my Credit Report. I also attached my identity theft report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had one ( 1 ) late payment on a closed account that I was never late for. Consumer agencies have assumed a vital role and have a respinsibility to reoport consumer information to the best of thier ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX XXXX  # XXXX. Please invesigate as I have proof from a letter from the creditor that this account was never late. I am requesting proof of statements showing a payment was late. If can not be provided I denand that the late payment be updated to on-time as it should be correctly as I was never late. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, NAVY FEDERAL CR UNION, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, NAVY FEDERAL CR UNION, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS Fargo Issued a secured credit card of {$300.00} dollars. they reported to XXXX XXXX dollars XXXX {$190.00} dollars and to XXXX {$4400.00}, the dates are inconsistent. the types of credit card is inconsistent. When I requested from them a validation of debt they took the liberty to add and change comments on my credit dismissing my request
Product: Credit reporting or other personal consumer reports

The listed creditors are not related to me, and I have no involvement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXXXXXX XXXX XXXX XXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.
Product: Credit card or prepaid card

I am reaching out to you in regards to a serious issue that I have been experiencing with Synchrony Bank. Despite reaching out to their customer service team multiple times, I have yet to receive a satisfactory resolution to my problem. Therefore, I am now seeking your assistance in this matter. 

Recently, I received a new credit card from Synchrony Bank with a new account number, ending in XXXX. However, upon logging into my account, I noticed that someone else 's credit card, ending in XXXX, was showing up. This is a major cause for concern as it poses a serious breach of privacy, and it prevents me from using my card as intended. 

What's more, when the mysterious XXXX card is " charged '' by XXXX, it ends up charging a completely separate account. This only adds to my frustrations and confusion over the matter. While I understand issues can arise with banking and credit card accounts, something of this nature should not be acceptable as a resolution seems nearly impossible to obtain. 

I have spoken to Synchrony Bank 's customer service team multiple times, but each time, I have been told that this is not an issue on their end, and they lack the knowledge on how to fix it. As a consumer, this is absolutely unacceptable to me. 

I am urging Synchrony Bank to thoroughly investigate this issue and take immediate action to restore functionality to my account by showing me the correct credit card information. I would appreciate it if you could also investigate this matter and offer your assistance in working towards a resolution. This is a matter of great concern for me, and I firmly believe that it requires immediate attention. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX during COVID 19 Cares act is using information more harshly against XXXX XXXX. Everyone from expert XXXX, XXXX, XXXX and XXXX do nothing to protect the consumers rights under COVID 19 Cares act. Spoke with some XXXX who claims she will check into this however when it happened I called and was assured the late payment would be removed that is driving my XXXX score down. Being XXXX Im needing the bathroom remodeled from r my ability to take showers. XXXX, XXXX, XXXX and XXXX only protect the business which is why XXXX  is being done away with as it is.
Product: Debt collection

Provided written documentation to debt collector and spoke with them on the phone regarding the accounting issues with the business they represent. The written documentation shows a clear history of payments being sent and received by the business from me. Debt collector is attempting to further pursue the collection effort without acknowledging the provided documentation and they are attempting to add {$250.00} to the amount being disputed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX, 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

On my credit report of transunion they reportin information that not belong to me the accoutn are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Commenity Bank forced me to process my payment a day later than when I was making my payment. I tried to make a payment at XXXX on the payment due date. The system was forcing me to input the following date. I called the company to make the payment over the phone and willing to pay a {$9.00} fee even though I was making the payment on the due date. They told me that it was past XXXX and could not process today. They will charge me a {$30.00} late fee, report late on my credit all because they input an arbitrary time of XXXX for payments. All other online payments have until XXXX on the day it is due. 

XXXX has consistently had bad business billing practices. CFPB is doing nothing to correct this. I don't believe you will take any action as a result of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX wrote Equifax on XX/XX/2022 informing them that they were in direct violation of 15 USC 1681b ( a ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. Below I will list 19 accounts that are listed on my Equifax consumer report that I did not provide written consent for them to furnish on my consumer report. I demand for Equifax to remove these accounts from my consumer report but yet they are still listed. I demand that Equifax remove these inaccuracies from my consumer report. If they are not removed I will not extend my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system. If Equifax wants to continue doing business with me. They should delete these inaccurate accounts from my consumer report. DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-5XXXX67, DEPT OF EDXXXX, DEPT OF EDXXXX.
Product: Credit card or prepaid card

II r eceived a letter ( by mail ) from COMENITY CAPITAL BANK dated   XXXX   XXXX  .   COMENITY CAPITAL BANK  XXXX   XXXX   XXXX , OH  XXXX .  XXXX  I had applied for a MY PLACE REWARDS credit card account which Comenity Capital Bank issues and handles any account-related matters. The letter stated that they were unable to approve my application as I did not meet their debt to income requirements. M y credit score a s of   XXXX   XXXX   XXXX     :  XXXX  I contacted them immediately asking why I had been denied the credit with an Excellen t credit score. Unde r the Fair Credit Reporting Act, which they based their credit decision, in whole or in part, on information they obtained from  XXXX . They told me they could tell me nothing at all and I would need to contact  XXXX . I did so, and after explaining my situation and telling them that I was n't concerned at all about the denial of the card, I wanted to make sure that this did n't leave a denial on my credit.   XXXX   explained to me that they could n't tell me anything and I would need to contact COMENITY. Since I 'm at a standstill, I just want to get an answer verifying that their denial ( and purpose ) will not be on my credit report. I have ALWAYS had excellent credit. I do n't want this to jeopardize my credit.     I would appreciate any help you can give me to get this issue straightened out and to insure that this has n't effected my credit. Thank you.      XXXX   XXXX   XXXX  XXXX  XXXX
Product: Student loan

I HAVE ASKED MY STUDENT LOAN SERVICER AIDVANTAGE FOR DOCUMENTS REGARDING MY LOANS THAT THEY CONTINUE TO TELL ME WILL BE PROVIDED BUT ARE NOT. I HAVE BEEN ASKING FOR THIS INFORMATION SINCE XX/XX/XXXX. IN XX/XX/XXXX I STARTED COMMUNICATING WITH AIDVANTAGE EMPLOYEE - XXXX XXXX. XXXX XXXX SAID THAT A FULL HISTORY OF MY ACCOUNT WOULD BE PROVIDED TO ME INCLUDING ALL STATUSES BUT IT NEVER HAS. MY STUDENT LOANS SHOULD HAVE BEEN FORGIVEN ALREADY BUT AIDVANTAGE IS WITHHOLDING INFORMATION NECESSARY TO SHOW A FULL ACCOUNT OF MY LOANS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER : XXXX IS A FRAUD ACCOUNT OPENED WITHOUT MY KNOWLEDGE. 
WHY THIS FRAUD ACCOUNT STILL SHOWING OPEN. 

THIS FRAUD ACCOUNT HAS A BALANCE OF {$29000.00} WHICH IS INACCURATE THIS CLOSED ACCOUNT IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of cases below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Record 1 of 2 Case Number : XXXX Case Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. 

Record 2 of 2 Case Number : XXXX Case Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report.

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

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX Account : XXXX XXXX  XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX & XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX 
Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 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 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above