23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXXXXXX XXXX XXXX XXXX  Block ACCOUNTS : ACEPTANCENOW - Account number - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX SPRINT ) - XXXX ______________________________________________ INQURIES : XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXXXXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 in accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CODES FOR INQURIES - XXXX XXXX XXXX XXXX XXXX XXXX - CODES FOR CHARGE OFFS XXXX XXXX XXXX CODES FOR COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CODE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the above late payments from my consumer reports, this agency is in violation XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several inaccuracies on my credit report. As a consumer, I believe it is important to raise awareness about this matter and seek your assistance in resolving it. I have attempted to resolve this matter directly with the credit bureau : XXXX, Transunion, and XXXX but my efforts have been unsuccessful. It is my sincere belief that the practices or actions in question are in violation of consumer protection laws or regulations, and I kindly request your intervention and investigation into this matter. I have chosen to reach out to the Consumer Financial Protection Bureau because of your reputation for advocating on behalf of consumers and ensuring fair treatment in the financial marketplace. I trust that your expertise and authority will help address this issue appropriately and hold accountable those responsible for any wrongdoing. In order to assist you in your investigation, I would appreciate any guidance or advice you can provide me regarding next steps or any additional measures I can take to resolve this matter. Thank you for your attention to this important issue. I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection and look forward to a prompt resolution. Collection agency has not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006 34 ( D ) and 15 USC 1681-S2 ( 7 ) ( A ) Requesting the purchase agreement between collection agency and original creditor. 

Here are the items I am asking you to verify as accurate on each credit bureau : 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 ] Transunion 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 ] Thank XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my home in XXXX and since then have had several different mortgage companies buy out my loan. My credit score has always been near perfect and I have had zero late payments on my mortgage/credit cards. In XX/XX/XXXX Freedom Mortgage bought out my loan and since that date I have had several issues with poor communication on Freedom Mortgage 's part, receiving letters weeks after the date they were apparently written or " sent ''. On XX/XX/XXXX I paid my XX/XX/XXXX mortgage payment- the amount I normally pay each month. This was actually paid early. This amount of money was taken out of my bank account and cleared into Freedom Mortgage companies system on XX/XX/XXXX. Late XXXX I received a notice in the mail stating I did not pay my mortgage for XX/XX/XXXX. After investigating with my bank, it was confirmed that I did. I requested paperwork from both my bank as well as Freedom Mortgage company proving this. Early XXXX I received a notice from Freedom Mortgage stating that my account was now past due and immediately called the customer representative from Freedom Mortgage. She informed me on XX/XX/XXXX that my payment was {$60.00} short due to a change in escrow starting XX/XX/XXXX. I was never notified of this escrow change. I asked where my money was since they cleared it from my bank. They told me its been sitting in an " unapplied balance '' fund. I was told that if I made the additional {$60.00} payment right then, then my account would be up to date. I paid the balance of {$60.00} immediately. My late fees were also waived due to the fact I never received the escrow change notice and my payment was actually " not late ''. On XX/XX/XXXX I received a foreclosure notice in the mail stating that If I didn't pay my mortgage I would be in foreclosure. I immediately called a customer representative again on XX/XX/XXXX and was told my account is completely up to date. He made notes stating that the company needs to stop sending me notices and the payment was made on time and placed into an unapplied balance fund. He also noted that I never received the change in escrow notification that Freedom Mortgage claims to have sent. This customer representative told me that this would not be reported to the credit bureau. When I checked my credit score recently, my score had dropped from nearly perfect to the 600 range. I have never been late on a payment and I even made this particular mortgage payment early, yet they are stating it was over 30 days late. I have tried to dispute this issue twice with their credit reporting agency and each time they state the reporting is accurate and will still stand. I have requested the audio tape were my conversations held with their customer representatives were recorded. They told me they would send those to me as it is my right to have them. After 3 phone calls and several emails I still do not have the audio tape where this information was relayed to me. I would like this inaccurate reporting removed from my credit report.
Product: Credit card or prepaid card

I am unfortunately going through a divorce. On XXXX XXXXXX/XX/2022 I contacted Capital One and shut down my XXXXXXXX XXXX Capital One XXXX Card ( ending in XXXX ) so that my wife could no longer use it. The account was closed and that card was no longer usable by anyone. Capital One issued me a new XXXX Card and mailed it to my new post office box address. On XX/XX/XXXX and XXXX, before I had even received the card ( ending in a different final XXXX numbers ), before that card had even been activated by me, Capital One and XXXX Card made that new card available to XXXX online. My wife was then allowed to use that non-received and non-activated Master XXXX XXXX times for a total of XXXX}. I immediately contacted Capital One and reported the fraudulent charges and they shut down that new card and issued me yet another card ( current active card ending in XXXX ), which this time they took steps to ensure the new card was not made available to XXXX before I had received or activated it. I received notification today ( XXXX XX/XX/XXXX ) that Capital One has rejected my claim of fraudulent use and expects me to pay these XXXX charges.
Product: Debt collection

Caine Weiner debt was removed then readded and I didn't receive any notification. Nor did I receive any validated information. All 3 bureaus don't match. It was removed from one bureau and never readied. The other 2 it was readded.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I went to ACE Cash Express for a payday loan of {$200.00} they reassured made that I could go in-store for cash pickup on Monday this was not true so I then spoke with a representative to cancel due to force majuere do the fraud on my account and it being locked and having no access. Me and the representative came to mutual agreement and cancellation/termination of the initial agreement. It was confirmed the following day as well. Approx. XX/XX/XXXX per XXXX XXXX  I found out that they deposited the money in that account anyway and want me to repay the loan.XXXX  XXXX  took that money to offset me being in the red {$500.00} due to the fraud.so I refuse to make payment per our mutual agreement which was the last correspondence I had with the representative. They breached the contract per the force majuere clause and cancellation of the loan. This was confirmed and reconfirmed on the cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank is reporting that I am an authorized user on a credit card that I have nothing to do with. I called them to discuss the issue and and file a dispute directly with them, but their customer service agent stated that I couldn't dispute the issue with them because I didn't have the full account number or the primary account holder 's social security number. I am not able to provide the information since I have no relation to the account. When I asked to speak with a supervisor, the agent hung up on me. Citi is making it impossible for me to file a dispute directly with them as the creditor and reporter of inaccurate information.
Product: Debt collection

My name is XXXX XXXX & I am submitting this complaint without any influence from any 3rd party or agency. Please see attached documents and ID as it contains my full complaint and request.
Product: Mortgage

Approximately four months ago I initiated a loan with Bank of America through a man named XXXX XXXX, the application number was XXXX. Bank of America assigned a closing date of XXXX XXXX. We requested this to be moved up to XXXX XXXX and they ignored that request. On XXXX XXXX and XXXX I was contacted by XXXX XXXX XXXX of Bank of America saying- after all of the underwriters had approve the loan previously- that they needed more information. The information they needed was assurance that I had more than {$40000.00} in cash reserves. I do most all of my banking at Bank of America and have roughly {$350000.00} available to me and Bank of America has access these accounts. The next day- one day prior to closing - XXXX XXXX contacted me again and said they had noted a payment to XXXX timeshares I own and I had to explain this to them. I own XXXX timeshares and I get bills every year like anyone who owns a timeshare and I paid them. I sent this information to them with a promise that we would close shortly the next day today XXXX XXXX. On Friday, XXXX XXXX, XXXX XXXX was not available nor washis supervisor. I then talked to another person, XXXX XXXX XXXX, who indicated that he would take that information and send it to the underwriter and that we would not be able to close on Monday but possibly Tuesday or Wednesday. The rate lock expires on XXXX XXXX. I fear that Bank of America after having this loan application for four months is now intentionally delaying the closure until the rate lock expires on XXXX XXXX, in order to renegotiate the loan in light of XXXX of the Federal Reserve indicating that rates will go up. I hope I am incorrect in this but I do need some assistance from someone with more clout than I have to get this loan closed in a timely fashion. I have spoken to an independent attorney and an independent mortgage broker both of whom indicate that the material they request is absurdly inconsequential and they feel the bank is not acting in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed a judgement that is reflecting on my consumer report in reference to an eviction/judgement that has since been removed from all credit bureaus. This debt was settled with   XXXX   XXXX   XXXX   XXXX   XXXX  . These apartments have changed names and management a total of 3 times and no one has record of me ever living there let alone any records of any judgements being placed against me. I spoke with the court and they stated that I would need the apartment complex to file a release of judgement which is impossible at this point being that the apartments no longer exist. The new management company did however provide me with a letter stating that they do n't have any records prior to    2012  as they have been shredded due to the age of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX 2 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Lease Paid Off : 4 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1900.00} Payment Info Status Past due 30 days two times Status date XX/XX/XXXX Past due amount {$350.00} Original loan amount {$1900.00} Monthly payment {$160.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - XXXX - - - - - - - - - - - On Time 30 Days Late - Data Unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX FL XXXX : Account # XXXX, has violated FDIC 18 USC 894 and FDCPA 15 USC 1692e. 

15 USC 1692e : False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

18 USC 894 : Collection of extensions of credit by extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

I sent XXXX XXXX XXXX FL XXXX a dispute in regards to this account, which was delivered on XX/XX/XXXX as per XXXX tracking number XXXX. As of today, the account has yet to be updated on my consumer reports as disputed by consumer in accordance with 15 USC 1692e. Also, the company has sent me a Non-payment notice which states that I could be subject to negative credit bureau reporting if I do not pay the debt by a certain date, which is a form of punishment for non-repayment, pursuant to 18 USC 894. 

The violations mentioned are grounds for removal and deletion of the above referenced account on all of my consumer reports. 

Please see attachments as they contain supporting evidence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX  Dear XXXX and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX XXXX XXXX XXXX Account # XXXX, delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. XXXX XXXX XXXX Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 3. SYNCB Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

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 XXXXXXXX which they dont show there account numbers at all After reviewing my credit report those account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section 1681i of the fair credit reporting act.

After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section 1681 ( 5 ) of the fair Credit reporting act.
Product: Checking or savings account

Wells Fargo did not disburse a Bill Pay as promised by XX/XX/2020. Because of this, my account has been debited but the organization that was supposed to be paid has not yet gotten my funds. The organization has checked the mail both on XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have a hard credit inquiry in my XXXX credit report under the name of Comenity Bank XXXX ( Victoria Secret Credit card program ) with date XX/XX/XXXX. I have never applied to any Victoria Secret and/or Comenity Bank credit card, neither I am a customer, or have been a customer, of either companies. I reached out to Comenity Bank on XX/XX/XXXX about the credit inquire, and they assured me there were no records under my name, email, phone number, and/or social security number in their system with a past or active application. Simultaneously, Ive opened XXXX ( XXXX ) disputes about the hard inquiry with XXXX, dated XX/XX/XXXX and XX/XX/XXXX, and they have both been closed less than XXXX hours after with a seemly automated message of the inquire is accurate and will remain in your report. I have tried to reach out to XXXX via phone on XX/XX/XXXX and XX/XX/XXXX without success after more than XXXX minutes on hold.
Product: Consumer Loan

I spoke to Gatewayone lending on XXXX to remove the recurring payment from my loan since I had setup billpay with my bank. Gatewayone lending assured me several times on the phone I was not automatic payment from my checking. I mentioned the website said the word " recurring '', the person on the phone said that they do not even have my checking account information on file. 

On XXXX I noticed that my checking account was lower then usual. So I did some digging and found out that on XXXX and XXXX Gatewayone had stolen amounts equal to my auto loan payment from my checking account. I called Gatewayone lending and asked about my recurring payment, they told me again I do not have XXXX and that they see in their system that I called in XX/XX/XXXX. Their system had notes about me wanting to cancel my recurring payment, and their notes said I did not have recurring payment setup. I informed the agent on the phone that I would like to know why my checking account shows they have been taking money from me then. They put me on a hold and came back saying they were sorry and would like proof they took my money. I told them I want the money back in my account in the same time frame it took them to steal it from me ( payment was due on the XXXX, they had the money out of my account by the XXXX, so XXXX days ). They told me that was not possible and that they require I provide a copy of my bank statement to prove they stole from me ( even though the person on the phone admitted that they see the amounts posted on my loan ). I informed the representive that I have been recording them ( they have an automatic message that says I may be recorded, so turn about is fair play ), they were fine with the recording. 

I contacted my bank to put a stop payment on all the fraud done by Gatewayone lending.
Product: Credit card

I opened a dispute for a credit back in my home depo credit card I believe the amount is around {$9.00}. I did the purchase on XX/XX/year> I believe I returned the Item within XXXX days because I have not used it.. In the statement of XXXX appeared the purchase and not the credit back for the return item. 
I called Home Depot Credit Card Services They promised me they are going to investigate and provided me information in regards the dispute. Now I received a letter dated XX/XX/year>, asking me to go to the store and basically to ask the XXXX for a credit back, I was told the same when I called XXXX XXXX Customer Service on XX/XX/XXXX I spoke with Supervisor name XXXX employee ID # XXXX. 

I'm attaching the letter for reference, I believe I called the credit card Customer services, and they are the ones who supposed to call the store to get this figure out, NOT ME. I believe I received a kind of mistreatment by Home XXXX  Credit Card Services