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. 

Account Name : XXXX XXXX : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

So I never received any notices in the mail about this bill. I kept receiving calls and emails constantly and still receive calls. The last time I paid was XX/XX/23 through email even when I did pay they constantly contacted me. I eventually came to the realization that I shouldn't pay for a medical  service that I didn't authorize. I was admitted without my consent. For XXXX XXXX and I eventually called the debt collector explaining this and there is no way I was able to pay for this or was even XXXX XXXX to handle this. I asked them would you pay for something you didn't ask for or denied? And I said I was forced to be admitted by a police against my will and was given a bill for a service I didn't ask for. I said I couldn't pay for it because I was the only person brining income into my home and my family was growing, I said this was unfair and holding me accountable for something i didnt ask for and they basically said that they couldn't do anything about it and that they could only hit my credit once which it was more than once since I stopped paying. I dont understand how they could force a bill on me when I didn't ask for it.
Product: Checking or savings account

I am a Platinum member. My XXXX advisor advised me to deposit cashier 's checks using my mobile app to make them available immediately to buy brokered CDs. Therefore, I deposited one on XXXX XXXX and another one on XXXX XXXX. I confirmed that they were showing up as available funds in my account. However, they blocked me from using my fund until XXXX XXXX and XX/XX/XXXX, which is 11 days and 13 days after my deposits. This is against law. Also, I asked their senior manager XXXX XXXX at XXXX around XXXX on XXXX XXXX to show me with any legal grounds for their action. However, instead, she made several unreasonable accusations that had nothing to do with my request. For example, she claimed that cashier 's checks are the most fraudulent type, when my check was not and it has nothing to do with my question. When I reminded her that I was recording the call, she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a response back from Experian as well as XXXX stating that there was no update to the accounts in question ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ). After receiving my initial response from the credit reporting agency, I asked for additional information as to how this information was verified and received no response.

Most recently I have sent letter to the Credit Reporting Agencies ( XXXX, XXXX, Experian ) requesting a review of incorrect information, including the above-mentioned accounts as well as outdated personal information. I provided a copy of my drivers license to show proof of residency. Two letters have been sent one on XX/XX/XXXX as well as on XX/XX/XXXX. At this time, there has been no response from the credit reporting agency or the collection agencies in question
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to the CFPB about reporting on my credit reports that is inaccurate and is hurting my chances credit wise and finance wise. I currently have a public record that is reporting that is inaccurately reporting on my credit reports and I have tried to correct this with the bureaus several times and keep being told that the public record is accurate. I have contacted the courts and I have contacted the reporting bureau ( 3rd party ) and they all have stated the public record is inaccurate and should not be reporting on my credit file. I have been battling this for a year now and am demanding that the credit bureaus follow the proper procedures to verifying public records and to provide to me with the verifying agency so that I may rebut against them. As a consumer, this is very disappointing because I am being held liable for information that is inaccurate and that should not be reporting on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps showing a Collection account under the name portfolio associates which is for XXXX XXXX for the amount of {$870.00} which is not mines and has been removed from my XXXX  and XXXX account but XXXX has yet to remove it.
Product: Credit reporting or other personal consumer reports

Hello the accounts below are negatively reporting on my credit report without my knowledge or consent. I have reached out to the credit bureaus and companies. I'am seeking these accounts be removed from my Transunion account XXXX 

Hard Inquiries- Name Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The reporting for this account is factually incorrect in multiple ways : - I have previously requested validation of this account, which was not properly completed, nor was an accurate accounting of it received by me. 
- This vehicle was repossessed and had GAP insurance. The repossession cut the original balance. As a repossession counts as a loss, the finance company was paid the balance.

- Even if I didnt have GAP insurance ( but I did ), the balance on my credit reports reflects late payments after the repossession. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact.

- Late payments continued to be reported after the repossession. A monthly payment should not exist after a repossession has occurred. 

Attachment shows balance right after repossession.
Product: Debt collection

I have an outstanding balance with XXXXXXXX XXXX XXXX XXXX. I contacted IC System to try reaching a settlement as I truly dont think my bill was any where near that with all the billing errors XXXX  has had over the years. So I offered them {$2500.00} to settle it out and remove it from my credit. At first they kept saying it needs to be the full amount ( {$3400.00} ) i kept saying no. The offered me {$2500.00} settlement I told them all I have is XXXX take it or leave it. They responded with XXXX tells us what we can settle for. Well, I called XXXX and worked my way up the chain and they sell it off to IC systems and they do not give them a settlement amount as they have sold it off to them so clearly this company does not want to work with me on this
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

On XX/XX/2021 I sent a letter to DEPT OF ED/NAVIENT. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Debt collection

XXXX credit reported a negative debt collection on my credit report on my credit report that was done through identity theft and fraud that I had no knowledge. This company reported I took out a loan in 2023 and I have never took out credit with them in 2023. The name is Genesis Credit Management and they indicated it is with a company called XXXX XXXX. This is a fraudulent company and I have no knowledge of them. I had fraud alert on my account. and the amount is for {$3900.00} I never took credit for any company in 2023.
Product: Mortgage

I have been struggling to work with Iowa Bankers since my first delinquent date of XX/XX/XXXX. I had expressed my financial hardship that caused me to fall behind. I was self employed in the past and my business went under causing me to fall behind. I immediately contacted Iowa Bank for assistance but got nowhere fast. I then landed another job paying a lot more. I was hired on with this new company on XX/XX/XXXX. I recently submitted to Iowa Bank for XXXX  XXXX  flex modification and was quickly denied for help. The mortgage servicer stated the reason for denial was my payment was to increase because of my new income. Yes, my income is 3 times greater than what I was making before which was what caused me to get behind. Based off my income I do have over {$900.00} of disposal income available to afford a higher payment if needed, I am not asking for a hand out I just need help with my mortgage getting current. I don't have the {$16000.00} needed in back payment but if they can place it to the end of the loan I will be more than happy to repay it. The lender has not offered me any assistance or repayment plans the only thing they have offered is short sale or foreclosure. Also what is very concerning while under review since XX/XX/XXXX Iowa Bank has had a foreclosure sale date on my home of XX/XX/XXXX which I advised them many times this is dual tracking of foreclosure the denial letter they sent me is dated for XX/XX/XXXX.
Product: Mortgage

My complaint concerns disaster loss claims handled by FlagStar bank. My house suffered flood damage from Hurricane Harvey in XX/XX/XXXX ; we were awarded $ XXXX insurance claim to repair our house. As per protocol FlagStar has held the claim in escrow and has provided installment payments as the repair work is done throughout XXXX. 

In XX/XX/XXXX we were awarded and additional $ XXXX installment per completion of a property inspection ( per the inspection our property was 85 % complete at the time ). We sent the proper papers to receive our next installment but have heard no response from FlagStar. I have learned that the bank is undergoing a system change and is unable to handle ongoing claims in a timely manner so the processing of my claim has come to a screeching halt. It has been over a month and FlagStar has yet to act on processing my claim.
Product: Credit reporting or other personal consumer reports

Incorrect balance shown on report on capitol 1 credit card
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XXXXXXXX XX/XX/scrub>XXXX XXXX XXXX  XX/XX/year>. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and credit reporting agency advised me to fi lean identity theft report for deletion. I am requesting to mark these inquiries fraudulent and remove from my Credit Report.
Product: Money transfer, virtual currency, or money service

Multiple XXXX accounts keep swiping my card without my consent. No matter how many I block, they just change the XXXX name and go into my account. Ive lost hundreds already.
Product: Checking or savings account

Over the summer of XXXX Bank of America had a promotion if you 1 ). opened an Advantage Savings Account, 2 ). Deposited {$1000.00} or more, and 3 ). Maintained a daily balance of {$1000.00} or more in that account that {$100.00} would be deposited into the account. 
My account was opened on XX/XX/XXXX. The promotional documents stated funds would be deposited by XX/XX/XXXX. As of XX/XX/XXXX the funds have not been deposited. When I contacted Bank of America I was told in would be deposited in two weeks, to wait, and to call back. 

I have attached files that I qualified for the offer, made the deposit within the time frame specified and held the funds for the required time period.
Product: Checking or savings account

I made two legitimate ATM withdrawals from the same Wells ATM for {$100.00} each on XX/XX/20 that both posted to my account on the same day as they almost always do. On the same day, there was a third ATM withdrawal for {$100.00} from the same Wells ATM but this transaction posted to my account three days later on XX/XX/20 and was unrecognized, unauthorized and disputed by me. This the second time when I have noticed an unrecognized ATM withdrawal from a Wells ATM that is posted XXXX days after occurrence, the earlier incident was reported in CFPB XXXX. 

Wells Fargo refused to credit the transaction despite my repeated request for a review of the ATM camera footage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX. Involved Companies responded. Some items are deleted and updated. Some are still reporting. I submitted a complaint dated XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will not close it immediately, and will now help me regarding the remaining fraudulent items on my credit report. There are still MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. These accounts are not mine.
Product: Credit reporting

in violation of the fcra, credco continues to erroneously report my discharged bankruptcy past the 10 year non-reportable period. as a result I can not obtain mortgage financing. credco has flagrantly violated the fcra. 
on the civil side, I am represented XXXX. I am a highly skilled XXXX as well. if I am unable to obtain a very substantial settlement, XXXX will pursue this matter in each and every applicable federal and state forum. credco 's litigation costs would be staggering. while in office, XXXX championed consumer rights. he has told me that my case would be like taking candy from a baby!.
Product: Credit card or prepaid card

On XX/XX/2020 I paid my account balance in full. Now I have been invoiced {$15.00} stating that is interest due from XXXX through XXXX. I am paying the {$15.00} but think it is unfair and unexplainable. Capital One ( Venture card )  account # XXXX was paid the full account balance of {$910.00} on XX/XX/2020. How is it that a month later they find another {$15.00} due. I attempted to resolve but the attitude was uncaring. It isn't the amount, obviously, it is the principal. I have ALWAYS paid on time and more than my payment amount due.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XX/XX/XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXX/XX/XXXX - XXXX/XXXX/2024 XX/XX/XXXX - XX/XX/scrub>/2024 XX/XX/XXXX - XXXXXX/XX/XXXX/2024 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 accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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

Chime bank is working hand and hand with a website called XXXX that scams people for fake/invalid gaming items and gift cards and game codes. I started a dispute after being scammed by this website, I had every single piece of proof to show that I was scammed and did not receive my items. Chime lied and said I DID receive it and they denied my dispute and refused to let me open another dispute. I took a video on my phone as I purchased the item, and immediately tried to use it and it was invalid. I started the video BEFORE I purchased the item to prove I didnt use it. The item I ordered was FAKE. The code was invalid. Not redeemed, but INVALID. Meaning it was completely made up. Chime bank sided with the website and stole my money. There is only one reason this would happen, chime and XXXX  have some kind of deal/partnership to deny disputes and pocket the money. I have already moved to a different bank, and Ive left a negative balance with chime as a final XXXX XXXX
Product: Debt collection

I previously filed a CFPB complaint on Nissan In which I requested the following : 1. Copy of contract 2

. debt collector declaration form 3. signed agreement or verifiable proof debtor has a contractual obligation 4. any agreement that bears the signatures of the debtor. These items were spelled out in the documents uploaded. However Nissan responded with only the first 2 pages of the alleged contract and an alleged payment history. The CFPB case was closed without the items requested.

Additionally I am requesting any and all information on any and all insurance policies related to this alleged contract. 

Prior CFPB complaint # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off 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

On the date of XX/XX/XXXX, a letter was sent to me by XXXX XXXX XXXX in efforts for me to sign. I didn't get the letter though so the company closed my account. They never sent me any letters certified to my address on file and they did not send me any emails to close my account they did this without my permission. Also there are 5 diff late payments that I never had on my account I was not late at all not one time. The dates that are XXXX XXXX my credit reports are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX if my account was closed with no balance how can I still get charged a late payment. Also there are two more dates XX/XX/XXXX, XX/XX/XXXX. I was not late any of these days and was not given proper time to evaluate this discrepancy. They also did not send my {$200.00} deposit back either they kept that and told me I had to send a correspondence letter stating all of this. The dates that my account was opened was XXXX and the date closed was XXXX as per Experian records
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.