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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic XXXX XXXX, XXXX XXXX, CA XXXX Toll-Free : XXXX XXXX XXXX XXXX, Local : XXXX XXXX XXXX XXXX. 
InXX/XX/XXXX/ XX/XX/XXXX, an attorney on my behalf contacted CoreLogic & provided documentation regarding a false report by CoreLogic, a 3rd party Credit reporting agency for " criminal history ''. The supervisor from CoreLogic assured my attorney & I over the phone that this would be removed. We provided proof the " XXXX XXXX XXXX '' was AMENDED TO A NON CRIMINAL OFFENSE OF XXXX XXXX, WHICH IS A DEGREE of " XXXX '' -not a criminal act &  as petty as XXXX. NOT A XXXX OR XXXX. FROM NJ-XXXX County, XXXX XXXX, NJ. Yet Core Logic Continues to refuse to allow me to email their legal dept with proof, they have no portal where I can upload the documents and they refuse to email me back stating they can only snail mail me! They provided XXXX which is merely a scripted emailbox & no real live person responds. I got a scripted email stating I'd get a memo from them in mail in 30 days after I disputed with this email address. NOTHING HAPPENED. This has been ongoing problems for years which has cost me thousands of dollars, affected my housing and my quality of life. this company should not force consumers to be on the phone for hours on hold then force consumers to provide them their soc sec NUMBER as a form of identification and other identifying data, opening them up for more fraud, and then if they can't answer their 'identifying ' questions, they are not helped. They need to have a better policy in place than 'snail ' mail & this horrible 'email ' address which does nothing as they are not answered by live people. Then consumers must wait 30 days for a snail mail letter. They should provide it via email.
Product: Credit reporting or other personal consumer reports

I have disputed this accounts because it is unknown and also reporting inaccurately. There was no notice of dispute entered on the account showing I have disputed. This is a violation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I disputed the charge off in the amount of {$690.00} with XXXX and CBNA Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report. On XX/XX/2024 my dispute was completed but the charge off for {$690.00} was not removed from my report. This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately . In addition, I have provided XXXX with IRS Publication 4681 and 26 Section CFR 1.6050P.1 and 6050P.2, which clearly establish that a Form 1099-C must be filed and provided to the consumer. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance I am Requesting { {$1000.00} }.
Product: Debt collection

Penn Credit Collection calls my house several times a day looking for someone that does not live here. I can never reach a human being to tell them to quit calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinaced my vehicle in XX/XX/XXXX. XXXX was on communication with my bank in advance and the check was mailed to them XX/XX/XXXX and cashed XX/XX/XXXX paying off the entire balance. XXXX reported to the credit bureaus that i failed to pay my car note in XXXX and XXXX and also that the loan was paid off in XX/XX/XXXX all of which is inaccurate. I submitted a dispute and nothing was changed.it is impossible for my payments to be 30 days past due when the account was paid in full on XX/XX/XXXX, the note was due XX/XX/XXXX and last payment in full was XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Acct No. XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX I was born on XX/XX/year>, my socia is XXXX, I live on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, my phone number is XXXX. Please check and update my correct information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received a notification that a new address was added to my credit report and I did not add this to my account also a credit was tried to be opened under my SSN. I did not do this action. 

address added : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am no way associated with this address and XXXX  was almost opened under my SSN on XX/XX/22 I froze my credit but I need these removed from my credit report. I also need a fraud alert put on my credit files so no one has access to my ssn anymore to be able to apply for credit or anything like that.
Product: Credit reporting or other personal consumer reports

OVER THE LAST 5 YEARS.. I TRIED TO REQUEST MY TRANSUNION REPORT AND AND I NEVER GET ACCESS. ALWAYS ANY ERROR
Product: Checking or savings account

I have XXXX of XXXX CDs matured totaling about $ XXXX. I called yesterday. They said no closing of accounts through online or phone. Must email. I emailed. As of today ( XXXX hours ) - no response. 
I called again today. They said no closing of accounts through the phone or online. Email response XXXX take up to XXXX or business days!! This certainly smacks of Flagstar trying to keep my money as long as possible ; both making it difficult to close for an elderly person AND delaying response! 
I have CDs spread across XXXX other online banks. ALL allow account closure either online of via phone. 
During the second call, I asked to talk to a supervisor. The most she could do was log a complaint with the company. She said as a Flagstar bank customer service supervisor she had no way to contact the appropriate unit within Flagstar and that the Flagstar unit that does handle closing and disbursement of the CD does not take customer calls! 
As an elderly person I think they are trying to make account closure as difficult as possible and hold on to the money as long as possible! 
Flagstar Bank is the bank. XXXX  This is unacceptable and borders on guile and slyness. Many of my age wont know how to proceed or if/when they will ever get their money.
Product: Mortgage

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX FROM : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX TO : EQUIFAX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX USPS CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : SETTLEMENT OFFER FOR CASE NUMBER : XXXX DEAR EQUIFAX, You have broken the law by knowingly and willfully obtaining, possessing and reporting information that has resulted from Identity Theft as defined in 15 USC 1681a ( q ) ( 3 ) & 18 Pa. C.S. 4120. I have made multiple attempts to resolve this matter with your agency privately, but my private complaints have been ignored and mishandled. Due to my unsuccessful attempts I have been left with no other choice but to file a lawsuit against you on XX/XX/XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PLEASE SEE ATTACHED SUMMONS ). I am attempting one last time to resolve this out of court, but if we can not come to an agreement, I will see you in court on XX/XX/XXXX at the hearing. 

If you would like to settle this matter out of court, you must comply with the following : Permanently delete the following accounts from my consumer report and send proof in writing that you have done so to the mailing address attached as well as email : XXXX within 5 business days from the receipt of this notice : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY REFERENCE XXXX XXXXXXXX -INQUIRY - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX In exchange for your expedited and full compliance of the above offer, I will withdraw my claim and or file a motion to dismiss with the herein mentioned court. I look forward to resolving this matter amicably. You may contact me at : XXXX if you would like to discuss this matter further. 

If I do not hear from you within 7 days of the receipt of this notice you leave me no alternative but to move forward with the lawsuit already filed against you in which I intend to seek redress in the amount of {$5000.00}. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a Kohls Store Credit Card ( administered by CapitalOne ) which I have been unable to use because of COVID situation and my own financial situation. Apparently, the store closed the credit card without sending any warning notifications or communications. But they have conveniently reported it to the Credit Agencies as closed account. After calling Kohls they described a policy of 24 months non usage leads to automatic closure by system and can not be reissued. Thereafter, suggesting to reapply for card. In these special circumstances which is affecting others as well apart from me, the store acted unfairly, and in a dishonest manner in closing the account without giving prior notifications.
Product: Vehicle loan or lease

There is a settlement that was reached between Santander Consumer USA and a coalition of 34 state Attorney Generals that gives relief to consumers that were directly impacted by the Defendant 's business practices. I am one of those who were directly impacted in more than one occasion. After multiple attempts to have my loan forgiven and title mailed, which is what I am entitled to under settlement terms, the only response I get is to contacts my Attorney General. I need this matter to be resolved as it is extremely unfair to consumers who trusted Santander Consumer USA in a time of need. 

XXXX XXXX Customer ID : XXXX
Product: Vehicle loan or lease

Was diagnosed with XXXX XXXX and lost my ability to work. Requested a payment deferral to be able to catch up with my loan. Filed for social security XXXX support and waiting on my Stimulus to be able to catch up and bring my account current. i was denied and threatened to lose my vehicle. I'm only asking for some time nothing else
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter back stating, " They do not report any bankruptcies to anybody ''. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or form a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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: Checking or savings account

I made a {$1000.00} deposit at BBVA Compass ATM XXXX, XXXX, Texas, XX/XX/18, at XXXX. Compass debited my account with a {$630.00} auto draft, that is not processed until the XXXX of each month, prior to crediting me with the deposit, which was made first. This resulted in 4 overdraft charges. I spoke with XXXX ( sp ), Compass Bank, on XX/XX/XXXX, but she only agreed to refund 3 of the charges ( stated it was a busy holiday ), which then resulted in another overdraft charge. I spoke with XXXX and then XXXX, both with Compass Bank, on XX/XX/XXXX, requesting that the remaining 2 charges be credited and refunded back to me, but neither agreed. They stated they only could see my deposit was made on XX/XX/XXXX, even though I told them I had my deposit slip reflecting it was made on XX/XX/XXXX, prior to the {$630.00} debit, and then the domino effect. 
I know that BBVA Compass has been penalized previously for these actions.
Product: Credit reporting or other personal consumer reports

Incorrect information on numerous accounts are still showing up in my consumer profile. I've sent in numerous complaints and the information is still not being update or removed. All 3 credit reporting companies do not respond to certified mail nor properly handle calls. I have recorded calls and conversations with these companies on how they mistreat my personal information and me as a consumer. I have fraud alerts that have been ignored as well by these companies and my personal information is being sold for their profit and gain. I want all late payments reporting negatively amongst all 3 credit reporting companies, XXXX, Equifax and XXXX to be removed asap! I have supporting documents that's been mailed certified to all 3 companies that have been ignored for almost 2 years now. My next step will be seeking leg action and compensation from active parties including the CFPB.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, IL XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply for.. 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 am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the XXXXhree major credit reporting agencies, Equifax, XXXX, and XXXX. The specific violations of the FCRA include : Right to Privacy ( 15 USC 1681 Section 602 ) : The actions of Equifax, XXXX, and XXXX have infringed upon my right to privacy as outlined in the FCRA. They have mishandled and disclosed my personal credit account information without proper authorization. 

Consumer Reporting Agency Obligation ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Pursuant to 15 USC 1681 Section 604 ( a ) ( 2 ), Equifax, XXXX, and XXXX, as consumer reporting agencies, have furnished account information without obtaining my written instructions. This action is in direct violation of my rights under the FCRA. 

Definition of Consumer Report ( 15 USC 1681a ) : The credit reports provided by Equifax, XXXX, and XXXX do not fall within the definition of a consumer report as outlined in 15 USC 1681a. The reports contain information solely regarding transactions or experiences between myself and the entities making the reports and should not be classified as consumer reports subject to reporting and disclosure. 

Treatment of Payments on Credit Card Accounts ( 15 USC 1666B ) : The credit reporting agencies, Equifax, XXXX, and XXXX, have inaccurately treated payments on my credit card accounts as late, which is prohibited under XXXX5 USC 1666B. This treatment is in violation of the specific provisions outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurate information. I have a late payment on my account that was in fact, paid on time. XXXX is reporting the payment made on XX/XX/year> as 60 days late. Experian and XXXX are reporting the same exact account as 30 days late on XX/XX/year>. The consumer reporting agencies have an obligation to report all information with complete accuracy. This account has not been late on payments. Ive attached copies of my credit report to this complaint on XX/XX/year>. I am requesting that you investigate this account and update this payment to paid on time. Thank you for your understanding and prompt action.
Product: Bank account or service

cfpb compliant # XXXX Sometime in 2015 a so call, friend, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , Maryland XXXX, ( XXXX ) XXXX illegally and without my authorization apparently withdrew over {$40000.00} from my SunTrust checking account. SunTrust bank allowed this to happen and refused to investigate after my repeated request to do so. Another friend and neighbor, XXXX XXXX on my behalf went to SunTrust Bank several times and requested that they investigate the theft of my funds. I requested SunTrust to forward my checking account statement including copies of all withdrawals. They refused to do so. At no time knowingly did I give XXXX XXXX a financial power of attorney to make withdrawals from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} Original creditor : XXXX Balance : {$390.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX