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

I have a lawful right to privacy and that right has been violated by Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code 1681 Section 602 of the Fair Credit Reporting Act states : 15 U.S. Code 1681 Section 602- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Furthermore, a consumer reporting agency may Not furnish my consumer report without written instruction from me under 15 U.S. Code 1681b Section 604 which states : 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I HAVE NOT PROVIDED WRITTEN INSTRUCTION TO : Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX tO FURNISH MY CONSUMER REPORT AND HAVE BEEN VIOLATED BY ALL OF THE ABOVE. 

Please see the attached documents that reflect attempts made in order to protect my privacy. These violations have caused a tremendous amount of stress for me, my family, and household.

Additionally, there are requirements relating to information contained in consumer reports, according to 15 U.S. Code 1681c Section 605, which states : 15 U.S. Code 1681c Section 605- Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have committed no crimes so again, my rights continue to be violated here.

The Consumer Law states that it is the duty of the furnishers of information to provide accurate information.

15 U.S. Code 1681s2 ( A ) ( 1 ) Section 623- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Please see the many errors highlighted in the consumer report print outs attached. These errors were also explained via certified letters dated back as early as XX/XX/2022 only to later be verified or falsely manipulated in some way.
Product: Credit reporting or other personal consumer reports

The account was closed on or in between XX/XX/XXXX and XX/XX/XXXX. The account was opened XX/XX/XXXX, but its being reported that it was opened XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX are not allowing me to access my credit reporting to make updates or dispute actions. 

XXXX collections is not mine. I have requested that this be removed. XXXX failed to provide me with a contract stating that I owed the debt to XXXX  XXXX. I provided all parties necessary the legal court order saying I didn't know the money, I only owed attorneys fees. 

The only things that should be on my credit report are the following : XXXX XXXX Accounts : Student Loans : I have all the letters submitted to agencies and the letters requesting verification of debt. Which includes debt with my signature on it agreeing that I owe the debt of obligation. None was provided and I sent a letter to both parties disclaiming the unverified debt. 


All of my credit reports are in accurate. My XXXX Report is the most accurate and the most update.
Product: Mortgage

Kindly read the letter I have attached, giving you the synopsis of the case, sent XX/XX/XXXX to the new servicer. Shellpoint who was unaware of this information, prior to assuming the servicing rights. Two attorneys XXXX XXXX and XXXX XXXX were convicted of fraud by the United States Federal government and required to pay restitution - XX/XX/XXXX, via their ancillary business 's that dealt process service. 

Yet the two attorneys noted above, committed other frauds which have yet to be adjudicated, that I discovered during my own foreclosure proceeding that has been going on for 10 years. Such information was only discovered after they were convicted, in XX/XX/XXXX. The XXXX XXXX XXXX intentionally failed to file condition precedent notice requirements prior to commencement of the foreclosure, yet lied to the court that they did so. This occurred in my case and the nearly 38,000 foreclosures throughout New York State, in which I have been privy to review and speak with other homeowners - affecting nearly 10 % percent of the population XXXX XXXX people. 

My home is set for foreclosure XX/XX/XXXX at XXXX XXXX  Please Help --
Product: Checking or savings account

On XX/XX/2019 I went to a XXXX XXXX ATM to withdraws {$20.00}, and was charged {$3.00}, these ATMs are free and do not charge {$3.00} fees to split with banks or credit union users, this made my account less than {$3.00} in the negative. PNC has charged overdraft fees of {$72.00} Do fat. Please fix this, add me in any lawsuits formal or informal?
Product: Credit card or prepaid card

In XXXX of 2019 I applied and got approved for a Citi double cash card. After receiving the card I attempted to add it to apple pay which sent me over to the fraud department to verify my identity which I completely understood. However, once on the line with the fraud early warning department they asked me to verify a good cell number for them to text. Like a growing number of Americans I use a pre-paid plan for my cell service, which is also the number listed on the account and they could not use it because it's a pre paid number. This is apparently the only option they have. You can verify, social, date of birth or account number. The only other way they can verify is by snail mail. I went ahead and waited for the letter since the agent stated this was the only time I had to do this. About a week later it arrived and I reactivated the card and added it to XXXX XXXX and it was fine. I've had no problems until now. A few weeks ago I added on an authorized user and I was having an issue receiving his card. My apartment uses PO boxes and for some reason since the PO box was registered to me, and the letter was address to my authorized user the post office kept on returning. After the second time happened I decided to call Citi and ask if they mail it to his address. I did that this morning. I spoke to a very nice lady in customer service who after doing some verification was able to do just that. Later today when logging into the app to make a payment I received an alert to call the fraud department. I called in to fraud and was asked to go through the same process again. Again my phone number would not work and agent told me they'd have to send me another letter via snail mail. This is getting ridiculous. At this point I was quite upset and asked to speak to a supervisor. After telling the supervisor about the issue they told me essentially they could not do anything until I receive that letter and there's no other way to verify. I still had the original letter and asked if I could use that and they said no. I asked if there was anyway they could overnight the letter or expedite the letter since it's happened before and the supervisor really didn't respond except for saying there's nothing they can do until I get the letter. This is just ridiculous Citi is making me go through an undue hardship just because I don't have a contract cell phone. There has to be a better fix or solution to this. I attached the last verification letter I received in XX/XX/XXXX.
Product: Bank account or service

I am being charged a {$34.00} insuffivient funds fee for check # XXXX I see this as un fair practice due to the fact that this check actually cleared way past business hours on Friday XX/XX/2017. I know this for a fact because I sent out a quickpay payment to my brother in the amount of {$34.00} at approximately XXXX. He then asked me around XXXX for another {$10.00} in which I logged in to see If I was able to lend him the money. I then realized i did not have an extra {$10.00} in which at that time the {$59.00} check had not posted. By Chase policy cut off time for quickpay iss XXXX. I see it very unfair if they are waiting for XXXX to charge checks to get a {$34.00} fee out of it. It is wrong and unfair to the consumer and point blank robbery. And im sure everytrhing is time stamped in transaction histories and log in histories so all this can be checked it is a fact. JP Morgan chase used to be a fair and convenient bank. With new policies and procedures it is not even worth to bank with them Anymore. " Courtesy refunds '' should be for clients and situations in which the client purposely overdrafts their account or has an emergency not for situations like this current one in which the financial institution cashes a bank past business hours in an unfair hour. You shouldnt expect someone to run to an ATM past XXXX.
Product: Debt collection

My mother added me to her Wells Fargo MasterCard account as an authorized user in XX/XX/XXXX. I never received a card of my own or ever used this account. In XX/XX/XXXX m mother filed a chapter XXXX BK after being laid off from her employment. She however, failed to remove me as an authorized user from this account before filing. Wells Fargo has reported this debt on my credit report since XX/XX/XXXX and continues to come after me for this {$15000.00} balance. I have made several attempts to have WF remove this negative TL from my credit report but they tell me that their records show that I am the primary account holder and that I owe this debt. They are wrong.
Product: Debt collection

I am called daily XXXX  days a week, sometimes XXXX  a day at different times by Discover. XX/XX/XXXX I was called twice ( XXXX and XXXX ). XX/XX/XXXX I was called twice ( XXXX and XXXX ). I was called once on XX/XX/XXXX and XX/XX/XXXX. I was called twice on XX/XX/XXXX ( XXXX and XXXX ). I was called XXXX times on XX/XX/XXXX ( XXXX, XXXX, and XXXX ). All communication is to the same phone number, no other methods. At this rate and frequency they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

OPINION by experience- I am totally disturbed that I a consumer are being incorrectly by them and third party users hence impacting our ability to get favorable finance and if we do at a usurious rate. I submitted another complaint the other day only to receive a warning from this reporting agency my credit use has gone up! FALSE! Their current report shows balances From XXXX!!!!! They are incorrect and get this lower my use of credit and do NOT increase it as they warned! When I dispute they basically kiss me off with they will wait until the bank posts the correct amount. IF this is not fraud then what is? My score has dropped almost 30 pints on illegal and incorrect processing and it is NOT maintained in a timely fashion. When the XXXX is capability, honor, integrity and ethics going to come to this so called agency as well as yours- protection for who- them? Is it not time you stopped professing something you are NOT?
Product: Mortgage

Good Morning, This is the 3rd time that I am writing a complaint regarding Bank of America. I am so fed up with them that I just want to scream. I have been asking for help for well over one year and they have not done anything to help me. I have made complaints and have been referred to their appeals department but nobody knows what someone else is doing. I was denied again because they say that they cant verify employment for my Husband and my Husband has been working for the same company which his brother owns since 1990, they asked for a letter from employer which I supplied and they have his tax returns which shows the same employer. They never called me to ask me for further information. They also told me that I am too deliquent at this point for a modification but I have been asking for this for almost 1 year. I have been working with someone from BOA for quite some time and then they change the rep and the new rep doesnt know what is going on. I am also going through the State of NJ for another program and I am waiting for that answer. Yesterday I got so frustrated that I hung up on them because the new rep said well you are denied so you can either sell your home in a short sale or catch up on your payments which they know that I cant do. BOA told me months ago that the only way I will get help is if I am delinquent on my mortgage and now they are teliing me that I am too delinquent. I really dont know what to do anymore but I am thinking of going to the media to make a complaint and maybe they will do a story on this. I always had excellent credit and I am not a deadbeat I just want some help. Can you please help me, each time you contact them they do nothing, something more has to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing for months, with Experian and XXXX and the company, LATE PAYMENTS on XXXX-XXXX # XXXX account that not belong to me. 
Because of this I was denied credit ; I beg you for your help to solve this problem ; I tried to fix this inaccuracy myself but I never received a satisfactory outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Incorrect Previous Address on Credit Report Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding an incorrect previous address listed on my credit report. I have discovered that the credit report from Experian contains inaccurate information that adversely affects my credit history and financial reputation. 

Specifically, the incorrect previous address appearing on my credit report is as follows : - Incorrect Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX - Correct Previous Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX I have thoroughly reviewed my records and possess verifiable documentation confirming my correct previous address. These documents serve as clear evidence of my accurate previous address. 

I kindly request your assistance in rectifying this error promptly. Please ensure that the inaccurate previous address is corrected or removed from my credit report to accurately reflect my credit history. 

Enclosed with this complaint letter, you will find copies of the relevant supporting documents, including [ list the attached documents ]. These documents substantiate my claim and will aid in your investigation of this matter. 

I understand that the Consumer Financial Protection Bureau acts as an intermediary between consumers and credit reporting agencies. Therefore, I kindly request that you forward this complaint to the appropriate credit reporting agency, ensuring a thorough investigation and prompt resolution of this dispute. 

I appreciate your attention to this matter and your efforts in resolving this dispute. Please keep me informed of any progress or updates regarding the investigation. I eagerly anticipate the correction of my credit report and the removal of the inaccurate previous address. 

Also I am no longer employed with XXXX XXXXXXXX. 

Thank you for your assistance in this important matter. 

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

I contacted TransUnion and XXXX about this XXXX account # XXXX that show XXXX balances but, reporting charge off and they told me that, this information was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 7 ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information.

They deliberately refused for the past 7 months to show or provide Details of the evidence and documentation they used to substantiate the reported information.
Product: Debt collection

I am personally attaching a Pre-Arbitration Demand on my behalf to Associated Credit Services. Do not close this complaint.
Product: Checking or savings account

I initiated wire transfer to purchase a home. However, my account is locked and no XXXX is provided when I can get my account unlocked and when my wire transfer will be accomplished.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to college and in the middle of going to college I I got XXXX. I had to stop attending college and could not defer my loans anymore due to the fact that I was XXXX after the XXXX. I was found officially XXXX by Social Security, and now I live on XXXX only. I have no way of paying back these loans. I have asked Navient for the dismissal paperwork due to official XXXX many times, but they wont send the papers, and will NOT consider loan forgiveness, and the statute of limitations is OUT from a lot of these loans now, its been 7 years for many of them, and I want them taken off my credit report! 
my private student lender ( Navient ) said I couldn't dismiss the loans I got. I have tried to get the paperwork from Navient, but they wont send it. the statute of limitations ( 7 years ) has run out on a lot of these loans, and they're still on my credit report. I want them removed now. all the credit monitoring sites still have them listed, and I cant find where to dispute the listings. I need help getting these removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have requested the appropriate investigation of the accounts that do not correspond to me and the company has not solved this problem for me. I sent a certified letter and requested the elimination of the accounts mentioned below. 
Bank XXXX XXXX does not have an account number. I need you to eliminate this account from my credit report. 
I do not have an account, I never had an account with XXXX. This account appears to me with a zero balance but this account does not correspond to me. I request the immediate elimination of these accounts. I demand the certification signed in its entirety by me that proves that I had an account with the banks mentioned below. 
Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts do not correspond to me and I demand their immediate elimination. The credit bureau companies must send a certification signed by these banks that I have an account with them. This does not exist. Because I have not had an account with them. I demand under the consumer protection law that you eliminate this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent AMS of XXXX NC several certified letters to have this resolved and i have also wen in person and made several calls, but no one has ever 
esponded to anything have tried to do. I see on my credit report that this account is listed as open with a balance and to be honest the car was a lemon and i had to have several repairs on the car i was told if i just give it back we will call if even. but i see now that they are reporting incorrect information and i have tried for years and so many time to get this fixed they wont call back or even write a letter back i see that someone signed for the letter of dispute. I really need help this is unfair i have reached out to your company for help before but i have not or maybe don't understand what's going on. Please help me i have tried so hard to get this fixed. 
Thanks so very much signed a person being honest and trying to fix the wrong that has been done to me
Product: Debt collection

XX/XX/2019 Consumer Protection Agency Please Help! 
In XX/XX/2019 I arranged for repair work for my home. The company doing the work arranged the financing of {$3800.00}. 
The payments contracted to Syncrony Bank in the amount of {$110.00} a month began in XX/XX/2019 due on the XXXX of the month. 
In XXXX the statement requested a payment of {$140.00} due to additional interest. I called the company but was only able to press number after number to a recorded message requesting the payment of {$140.00}. 
XXXX statement requested a payment of {$180.00} which included additional interest and a fee of {$38.00}. 
XXXX statement requested a payment of XXXX. Additional interest and fees. 
I was finally able to talk with a human being when a representative called me. He told me that any additional charges are treated by the Bank as purchases which accounts for the higher payment. I explained that I am on SS and do not have the financial ability to make such an increased monthly payment to which his reply was sorry. 
XXXX statement requested a payment of {$300.00}. 
XXXX statement requested a payment of {$360.00}. 
On XX/XX/2019 I received a call from a Syncrony bank representative asking for my XXXX payment. I told him I had been making my {$110.00} payment every month, and the one for XXXX had been sent. He told me since I hadnt paid the additional fees and interest, my payments were not accepted as the monthly payment. 
9 x {$110.00} = {$1100.00}. ( Paid YTD ) Original loan amount of {$3800.00} - {$1100.00} = {$2700.00}. 
My XXXX statement balance is {$3200.00}. So my balance is not going down and my payments are dramatically increasing. 
I dont understand this and I am very fearful that this company may eventually leave me among the homeless. I have experiences during my lifetime that showed me most of the laws and regulations favor businesses, institutions, or the government. Not a simple citizen.