23daVinci/CFPB_Complaints huggingface dataset:
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 and 15 USC 6802. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 : 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, 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.

15 U.S.C. 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX  have violated my rights, they are reporting late payment to the credit bureaus and under these US codes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. I have reached out to XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX  they have yet to reverse the late payment or report it OK I also sent letters to XXXX, Trans Union and XXXX notifying them of the violation but they are still reporting the payments late as well 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S. Code 1681s-2 - 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 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

I filed a dispute with Wells Fargo concerning a XXXX XXXX ( XXXX ) transaction in early XXXX. Wells Fargo initially accepted my dispute, but then they closed the dispute in XXXX, stating that XXXX and XXXX denied the claim. However, when I contacted XXXX, the dispute was still open. So I sent a fax to Wells Fargo ( since there was no other way to contact them ) with the email thread from XXXX, where I asked Wells Fargo to reopen the dispute and hold the amount that is due until the issue is resolved with XXXX. Wells Fargo acknowledged received of my fax, but no further reply was received. The credit card payment in the amount of the dispute is due XX/XX/2022. 

Credit card account number : XXXX Amount ( transaction ) : {$1200.00} Dispute initially submitted to Wells Fargo : XX/XX/XXXX XXXX XXXX
Product: Debt collection

My bank statements show XXXX XXXX has been withdrawing {$200.00} biweekly for the past several months. They made me believe I was paying a debt I was aware I owed. To this day, I have not receive a single letter or email verifying that Ive been making these payments. They have not provided me a single account or case number associated with said debt. Ive made numerous calls in attempt for explanation as to why I am still receiving debt collector calls and I have not received a single form of communication from these so called debt collectors.
Product: Mortgage

Purchased a home in Arkansas back in XXXX of XXXX ' and moved back to Minnesota to be a XXXX  for my father. I was approved for a new home with a lower salary and a few weeks prior to closing had to work out a payment plan for a previous Credit Card bill. The bank was willing to accept the terms of the payment plan with the CC company. About a month of living in the home, made the decision to assist my father in Minnesota as his XXXX. I temporarily move back with no end date and secured a new job with double salary. The move created a hardship with debt and rental, moving expenses. The mortgage company is aware of my XXXX status and VA loan. I've hired a third party to represent myself and have been working a waterfall options. All the options that have been presented are going from a 30 year to 40 year loan with only XXXX XXXX lower rate and adding 10 years of payments. I've asked multiple times for assistance and time to repay the loan and was informed of the VA XXXX program. I requested multiple times via phone, email and third party to submit to XXXX and was told I was denied. I have requested that denial letter and no response. I've also sent multiple letters to mortgage company with no response as well. I've included the letters from the mortgage company with only partial info to what the new loan terms would be. The company has started the foreclosure process without submittal to VA for protection. TY
Product: Credit reporting or other personal consumer reports

Until XX/XX/2021 I was not provided with promised services i.e. I did not receive data correctly at my home per my XXXX, wireless contract and agreement. Therefore, services I was paying were not being rendered and breach of contract occurred. I tried repeatedly to correct the service with XXXX through various departments including tech, to no avail. I left them in frustration finally. I tried to negotiate the amount due because these services were not delivered. They were nasty and mean and preyed upon my hardship during the pandemic. Ultimately they sold the debt to XXXX XXXX XXXX, and this is who I paid and now have a XXXX balance. In essence, XXXX, equifax, and XXXX XXXX are report negatively for an exorbitantly punitive amount of time! When infact, the information on these reports is inaccurate -XXXX is not the collection -which is why it should be deleted from all XXXX agencies immediately. Someone help here. Seriously, how is this legal. I have right in the Fair credit reporting act and they are being violated. Innacurate information and phone calls at inappropriate times. XXXX and XXXX last night was the most recent from the XXXX level of XXXX because I have made complaint with the FTC XXXX XXXX XXXX State Attorney and the XXXX I was definitely harassed last night because the situation and the effort this must be deleted! It definitely not fair and definitely not accurate!
Product: Checking or savings account

On XXXX XXXX for Order # XXXX Item : Over The Sink Dish Rack Color : Black Qty : XXXX Delivery Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX United States The delivery date XX/XX/year> with a picture of an item were on the bottom of another item. By the time received the notification of delivered, got home and did not see anything. The problem with this is because it was not delivered to my apartment unit, but instead left it in the public space with other people 's package. I am attaching a picture were sent to me by the carrier. I have filed with Chime to recover my money, but Chime did not take the appropriate steps to get my money back. I would like to get my money back as a results of neglience by the carrier. 

Below is the exchange with the merchant : Customer : Hello, The delivery is not at my unit and if XXXX is not taking the responsibility then I will file a police report and file a complaint to my bank and XXXX. 

Merchant : Hi XXXX, After reviewing the tracking information via XXXX, we confirmed that the dish rack was delivered to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX We also attached the confirmation of delivery below. If you did not receive the item, we recommend filing a report with your local police for theft. Given the information provided, XXXX is not responsible for the missing delivery. 





If you need any further assistance moving forward, I will be your point of contact for this issue. Please, do not hesitate to reach out to me directly. I have listed my contact information and business hours below. 

Please note that calling back into customer service for this issue instead of me directly can delay my response or any resolutions provided to you. 

You can reach me at XXXX XXXX XXXX XXXX Direct Line : XXXX Email : XXXX Schedule : XXXX XXXX to XXXX XXXX Sunday XXXX to XXXX I look forward to working with you and thank you for your time
Product: Payday loan, title loan, or personal loan

I took out a loan of XXXX $ from Mobilaons XX/XX/2022, i paid payments for 6 months and brought my amount down to XXXX $ and i thought i was done. The company is still charging me from my bank account and there is not a way to cancel. theyre suddenly charging me 400 % interest which is illegal in the United States XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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: Mortgage

Caliber Home Loans does not offer a way to speak to a human being. They have an automated attendant that loops customers around only people wanting to begin a new loan have the ability to speak to a person. I believe customers are legally entitled to a number where they can speak to a person about their current loan. A very suspect company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Us Department of Education 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: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent my FTC report and my license to Experian, XXXX, and XXXX. I will be filing a civil suit for reporting fraudulent accounts on my consumer report.
Product: Debt collection

Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company in response sends a letter stating they could not " VERIFY '' the account instead. Which shows they disregarded that I asked for " validation of the account ". The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I got an alert on my credit report that there has been a hard inquiry placed from XXXX XXXX. I called right away to remove it and they said they placed a fraud alert on my account and it should alert XXXX and XXXX  so they can remove it. I checked back around XXXX XXXX XXXX and XX/XX/XXXX to see the status and they said the same thing, weve placed and fraud alert, it should take 30-90 days. Well, it has been over 90 days and they said wait. My credit report STILL has XXXX XXXX on both XXXX and XXXX. Both credit bureaus said In order to remove it, I need to obtain a hard copy ( letter ) from XXXX XXXX stating that it was not me, and then clothed can remove it once I send that letter off. XXXX XXXX said they cant send the letter. Now Im stuck with an inquiry I NEVER did and my credit score dropped all because of identity theft!! This also goes for American Express. Someone opened an account on XX/XX/XXXX and I did the same procedure back and forth with the credit bureaus and credit card companies. Both American Express and XXXX XXXX said they placed a fraud alert but cant help me with any evidence that I need to show XXXX and XXXX that its not me. I did numerous disputes with XXXX and XXXX but they denied it unless I obtain a letter from the credit card companies stating otherwise. I NEED HELP TO REMOVE THESE INQUIRIES ASAP!!!! Its been since XX/XX/XXXX and its XX/XX/XXXX. No change at all!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED LATE PAYMENT REMOVED. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Sage Stream is a company that reports information to banks based when they trying to open a new account. They are reporting negative information on me that should not exist. I do not have any closed bank accounts and they will not respond to my requests for information.
Product: Payday loan, title loan, or personal loan

I started the loan on XXXX/XXXX/XXXX and did n't really understand what I had gotten myself into I took the loan out for {$390.00} and they have been taking a payment in the amount of {$110.00} every 2 weeks. I have been contacting the company since XXXX/XXXX/XXXX to get the payoff balance since then. I have called for over 3 weeks. I also asked them to not take any more money out of my account as I was trying to pay it off in because there is no penalty for paying it off early. the answer I get is that the system is down and it still down. Now in the last week and a half they do n't answer and want you to leave a voicemail but do n't return calls. I had to go to the back and pay {$25.00} to get the unauthorized charges after I told them to stop taking money from my account since I was paying the account off. This has a 730 % interest rate. I think that this might be a scam. The systems are down they are able to take money from peoples accounts for the payments. They are still able to start new accounts but they are unable to allow you to pay the account in full.
Product: Checking or savings account

Juno, a financial technology company which acts like an online bank has been holding my funds of {$17000.00} for past more than a month and I don't have access to funds and is not letting me withdraw my direct deposits to my account. Juno has partnered with XXXX XXXX XXXX and XXXXXX/XX/XXXX and XXXX. Because XXXX XXXX has filed for bankruptcy and has stopped providing access to data to XX/XX/XXXX andXX/XX/XXXX in turn has stopped processing deposits and withdrawals. 

This has impacted my livelihood as I rely on my direct deposits and they have been holding on my cash balance of {$17000.00} which I use to pay bills and mortgage payments. I request you please help me get access to my hard earned funds from this company so I can withdraw and move it to another stable and trustworthy bantk and use them for making required payments. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 open Accounts with XXXX loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.
Product: Checking or savings account

I had some unauthorized charges on my bank account, when I was doing my monthly review I noticed them and called my bank. I was told there will be provisional credit issued within few days and that never happened. I got a call today from the bank to inform me that the claim is denied and there was no proof of fraudulent charges because " the card was still in my possession.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights 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 and purpose.
Product: Credit reporting

I have XXXX collections on my credit report that are listed as being closed accounts. However, these accounts continue to update monthly, suppressing my score. Further confusing me, the same credit report shows I have no collections on file. They are also listed as factoring company accounts with high credit limits and past due dates, appearing as though I am past due but there is no original creditor listed. I 've attached screenshots evidencing my position.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX DEPARTMENT OF EDUCATION XXXX  {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. TRANSUNION is reporting an inaccurate late payment for the XXXXXXXX XXXX XXXX account ending in XXXX. This is a 30 day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 

Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights.

Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my credit report. As a survivor of human trafficking, certain accounts and debts were incurred without my knowledge or consent. These fraudulent accounts and derogatory items continue to harm my credit profile and do not reflect my true financial behavior. 

Key negative items include : XXXX. **Accounts in Dispute : ** - XXXX XXXX XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) - XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) - XXXX Open inquiry ( XX/XX/year>, Equifax ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX Open inquiry ( XX/XX/year>, Equifax ) XXXX **XXXX XXXX XXXX** XXXX XXXX {$840.00}, Equifax ) - XXXX XXXX XXXX XXXX XXXX ( {$1400.00}, XXXX ) - **XXXX XXXXXXXX XXXX ( Late XXXX  Days, XXXX ) XXXX. **Personal Information Discrepancies : ** - Incorrect names and addresses across all credit bureaus, including : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX. **Fraud Alert : ** - A fraud victim alert is active on my XXXX* file, confirming fraudulent applications may be submitted in my name without my consent. I have been a victim of identity theft as part of the human trafficking ordeal.

4. **Negative Credit History : ** - Several derogatory marks are listed under collection agencies, including XXXX XXXX XXXX and XXXX XXXX XXXX which were incurred under duress.