23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This account is invalid. SYNCB/XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

SYNCB/XXXX XXXX
Product: Debt collection

on XX/XX/2018, an amount of {$330.00} appeared on my credit report on XXXX XXXX. I recently just submitted a complaint. It was in regards to XXXX XXXX and debt that was owed by a family member that knows my information and put the collection on me.We also have the same name its my dad. I live with my mom and the bill is in her name, I'm XXXX years old. The creditor is XXXX XXXX I believe but has been reported by " Transworld systems '' but shows on my XXXX XXXX. I need help to removing this please.
Product: Debt collection

The creditor is ruining my life and the debt is not owed. This is affecting me even getting another job. It has received payment for this debt according to Book-entry securities are investments such as stocks and bonds whose ownership is recorded electronically. Book-entry securities eliminate the need to issue paper certificates of ownership. Ownership of securities is never physically transferred when they are bought or sold ; accounting entries are merely changed in the books of the commercial financial institutions where investors maintain accounts. 
Book-entry securities can also be referred to as uncertificated securities or paperless securities. ( Unknown or not made aware off by company to the individual ). Is this a new asset?

1. Is it true that the original creditor or debt collector violated GAAP, generally accepted accounting principles, in turn making the agreement null and void? Yes or no 2. Is it true that the original creditor violated the matching principle of GAAP in that if they accepted an asset from the debtor, the original creditor did not create a liability account showing that there is money owed to them or a debt collector please answer?
Product: Credit card or prepaid card

Capital One have restricted the use of my credit card because of the authorized users on my card. When I asked for further clarification on this, they stated that I have added too many authorized users on my account, therefore my account has been marked as having fraudulent activity! I do not understand, because I have only four people as authorized users on my card and I am allowed to add up to five people on my card. I have sent them all of the information that they requested on numerous occasions, yet they still have a restriction on my account!! Every time I call the fraud department, they either keep me on hold or hang up on me! I feel that I am being discriminated against because I am a divorced, XXXX mom with limited finances.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my report with credit acceptance from XX/XX/year>, that i did not authorize I was not looking for any loans to purchase anything
Product: Consumer Loan

I had paid off my auto loan ( for a XXXX Chrysler 200 limited ) over a year ago and I am asking that Ally remove my loan from my reports. Account # is XXXX. I had previously disputed the months they had reported me late and go no response so I am asking that we just remove the accounts from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed an address removed from my credit report, and Experian said I could do it only by having a membership for credit watch, paying {$1.00}, and canceling after. However, my username and password are no longer the same, and I can't even log into my credit profile, yet on XX/XX/XXXX, I was charged {$21.00}, less than a week. I phoned them and asked to speak to a customer service agent and was told that was an invalid request. Mind you, the address in XXXX, Arizona, which I phone to have removed less than a week ago, is still there since I can see it from my XXXX XXXX report. I will dispute the charge with my credit union, but these credit bureaus are a disgrace ; why should I have to pay for something to be removed when it was found on the black market from the XXXX breach? I attached the site where it tells me the sign-in is wrong; well, it worked just fine four days ago. If I call and ask for customer service provide someone to speak with. it's bull.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, experian  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Debt collection

In XX/XX/XXXXI had 2 online payday loans. I was in a bad financial situation. Once I got back on my feet. On XX/XX/XXXX called the collection company to work out a settlement offer. The lady on the phone told me that if I paid both loans off in 2 weeks, they would REMOVE the entire file from my credit report. I paid both loans off as agreed and they did not remove them from my credit file. One loan amount was {$620.00} and the other was {$1300.00}
Product: Mortgage

Rushmore Loan Management Services needs to be investigated for illegal loan servicing. 

They disbursed Escrow funds out of my account on XX/XX/XXXX for XXXX XXXX / XXXX XXXX. Around XX/XX/XXXX they placed a stop payment on this first check without telling anyone. We have Rushmore on a recorded call stating that it was THEIR mistake as they put the wrong Policy Number on the disbursement check. This caused the check to bounce due to stop payment and a {$35.00} charge was issued. This was Rushmore 's error as stated by both them and the Insurance company. They reissued the check. 

BUT THEN, when it came time to pay the insurance company the {$35.00} due to Rushmore 's error, they took or stole it from m

y Escrow Account when it should have been paid from their Corporate funds since this was their mistake and we have that on a recorded call of them admitting that on their end. My Escrow account is now Short and I ha
ve wasted my valuable time dealing with their incompetence 's and expect to be reimbursed for the {$35.00} to my Escrow account and a separate reimbursement for my lost time and troubles. They have mis-managed my Escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is DEBT RECOVERY XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date andMini-Mirandi under Section807 ( 1 ) DEBT RECOVERY SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCA, with {$1000.00} per violation DEBT RECOVERY SOLUTIONS # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DEBT RECOVERY SOLUTIONS is in compliance with OHIO LAW. I also have report this account tothe FTC, and Columbus Police Dept.I need this collection account to be removed from mycredit report.DEBT RECOVERY SOLUTIONS has not even tried to contact me regarding thisFraudulent collection account. Please have them remove this collection account immediately.
Product: Credit card or prepaid card

This has happened several times with this horrible company. The XXXX ; transaction alert, 4 charges. I immediately called DE, reported and canceled compromised card with new one to come. I then called the company and reported to them. They advised me they will return funds. XXXX ; call to offer ending company. They informed me DE took the funds back on XXXX, because I filed a dispute XXXX. This is incorrect. I was told to wait 5- 10bdays maybe funds will show, but assured me DE came in and took the money back. I then inquired if this is what DE did. They said no. On XXXX I got their decision. DE said the opposing company had sent them " proof '' that my argument is meritless, therefore no more action. I called to talk to dispute dept. I was told by several reps that there is no recourse. They don't have people who can talk to me. I can not see this '' letter of proof " against me, and there's nothing anybody can do. Decision final. Told me they don't go by bank laws because they are not a bank but a credit card company. Therefore they have the rules of that company. She would not let me see this false " proof '' someone cooked up or anything to do with myself
Product: Student loan

I have a consolidated loan, with XXXX XXXX  and XXXX XXXX component. The XXXX  loan has a XXXX balance. When I go to make a payment on Mohela 's website, and choose " Specify for Each Loan '', I enter the payment amount for the loan with remaining balance and {$0.00} for the loan with no balance. When I preview the payment, the system always allocates {$170.00} to the loan with XXXX balance, and I now have a credit on that loan in the amount of {$870.00}. I've called customer support XXXX times. On XX/XX/XXXX, the rep submitted a request to have my credit moved to the loan with a balance and thought it might be a technical issue. She said to call again if it happens the next time I make a payment. I called again on XX/XX/XXXX as 1. the credit had not been applied yet and 2. the system is still auto-allocating to the loan with no balance. I was told by the rep that she is able to specially allocate when she tries it, essentially being told that my problem doesn't exist. She also submitted another request to have my credit transferred to the loan with the balance. I thought perhaps the bug was browser-based, so I've attempted to make a special-allocation payment in different browsers and I continue to get the same result. Because I had a payment due, this time I called Mohela 's support line to have them make my payment on the phone. The rep confirmed that the entirety of my payment would be applied to the correct loan. But alas, when I logged in a few days later, the payment continued to be misapplied. I am hesitant to continue making payments if my payments are not being allocated correctly ; it feels like Mohela is holding my money XXXX in a XXXX XXXX interest account. Not to mention my overall interest burdon should've been lowered over time if the payments had been applied correctly. No one at Mohela that I've talked to can tell me exactly how to make a payment in future that won't be misapplied.
Product: Mortgage

I refinanced with the same mortgage company. On the first loan they had listed in my escrow account XXXX XXXX and XXXX. I have a copy of the escrow from this loan. 
When they refinanced, they dropped the windstorm insurance, why? I have no idea. 
Now they had to pay for the windstorm and are passing the blame for this error on my Insurance agent stating that it was there responsibility to inform 1st Alliance Lending. The insurance agent is stating that it the mortgage companies ' responsibility to make sure that XXXX XXXX is necessary especially if it was showing in the escrow on the first loan.
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.

The letters are stated with items and issues. 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 card or prepaid card

was issued a card from Self lender ( XXXX XXXX ) and never got notified a payment was due for a membership fee.
Product: Debt collection

Optimum Outcomes is sharing my medical information on my credit file ( which has been stolen ) and CFPB in XXXX. They are sharing private medical information and I would like them to stop due to HIPPA and privacy concerns.
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. 

XXXXXXXX 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 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 items of information, other than records of convictions of crimes which antedates the report by more that XXXX years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish 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

I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the fair credit reporting act section 1681 ( b ) c and a serious breach of my privacy rights I formally requested that these fraudulent inquiries and accounts be immediately deleted my credit. There are several inaccuracies regarding balance amounts, payment dates, payment status ', and debts owed. I requested that the inaccuracies be corrected by XXXX and Equifax, and no corrections have been made. I requested if anything comes, verified to show signatures and the original documents showing true accuracy. This was done beginning of XXXX last month. I also notated that they have 30 days to complete investigation as per fair credit reporting act section 611. Accounts remain on credit report, and no action has been taken.
Product: Credit reporting or other personal consumer reports

After discovering -negative and unauthorized- information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and Transunion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : 1. Account Name : XXXX XXXX XXXX Account XXXX Date XXXX Balance Reported : XXXX XXXX Name : XXXX XXXX XXXX Account Number:XXXX Date XXXX Balance Reported : XXXX XXXX Name : XXXX XXXX XXXX Account XXXX Date XXXX Balance Reported : {$180.00} 4.Account Name : XXXX XXXX XXXXXXXX XXXX  Account XXXX Date XXXX Reported Balance : {$240.00} XXXX Name : XXXX XXXXXXXX XXXX  Account Number:XXXX Date XXXX Reported Balance : XXXX ADDITIONAL INCORRECT ADDRESSES : XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDITIONAL INCORRECT NAMES LISTED : XXXX XXXX XXXX XXXX XXXX L XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES LISTED BELOW : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This was not sent in error I am a consumer by law and my information as misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

TRANSUNION and the account name is XXXXXXXX balance account # XXXX 90 days late in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days in XX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Checking or savings account

On Monday XX/XX/2023 I reached out to TD bank to inform them that someone has used my card in a fraudulent activity and informed them which transaction it was. The next day I wake up to both my business and my personal account are locked and I have no access to any of them. I called TD customer Service, they told me that I had to visit a branch. I went to a TD branch for 5 days in a row on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sat and waited to see someone for over an hour each visit and each visit no one helped me get an answer of why my accounts are being closed, all they kept telling me they dont have the reason why TD back office is closing my account, and my funds are being held, every time I called the fraud department they told me the same thing and told me they dont know why my accounts are closed and that I have to visit a branch to find out why, I keep going in circles with them, I need my funds released to me, its my money, I worked hard for that money and I have bills to pay, my personal should have at least {$1300.00} and my business account should have at least {$49000.00} Im tired of wasting hours at the bank fighting for my money. I was told on XX/XX/2023 that I can come in to the branch on XX/XX/2023 and close my accounts and they will give me my funds, I did what I was told and when I finally got to speak to the branch manager she tells me I cant close my account because the bank is holding my money. Every day its been a different excuse and Im getting tired of fighting to get my money, please I need help getting my money. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through XXXX XXXX, Experian, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?