23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

I have a loan with XXXX, XXXX XXXX XXXX XXXX, and XXXXPMCB CARD. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. There was definitely an error on their  part.
Product: Credit card or prepaid card

Hello, I am writing this dispute due to I have an account with Synchrony Bank and the representatives at Synchrony Bank did not assist me nor help remedy their automated system error. I had set-up Auto Pay on XX/XX/2023 for the minimum amount of $ XXXX due to be deducted from my main bank account on XX/XX/2023. This date of XX/XX/2023 was confirmed by their account system with a given confirmation number ( # XXXX ) with a notice that a late fee will be charged. This change was well before the payment date and due date on the credit card account. Upon checking my main bank account on XX/XX/2023, there was a payment that was not confirmed/approved made to Synchrony Bank made for the amount of $ XXXX. This caused me to be charged multiple overdraft fees with my main bank and I was told there was nothing that the organization could do about their misinformation in their system. 

Thank you,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Incorrect Address Information on My Credit Report Dear XXXX, Equifax, & XXXX, I am writing to dispute the accuracy of personal information recorded on my credit report. Upon reviewing my credit report, I have identified addresses that are not associated with me and are incorrect. These addresses are as follows : XXXX. XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX At this moment, I request that these addresses be removed from my credit report as they are inaccurate and do not reflect my accurate personal information. Under the Fair Credit Reporting Act ( FCRA ), I can only have accurate and verified information reported on my credit file. 

I believe these incorrect addresses may be a mistake or a sign of fraudulent activity on my account. As such, I am concerned about the potential for identity theft and request that you thoroughly investigate how these addresses were associated with my credit report. 

I am attaching copies of documents that verify my current address and identity, which include : - A copy of my driver 's license showing my current address. 
- A utility bill in my name for the past month as proof of residence. 

I kindly request that [ Credit Bureau Name ] take prompt action to investigate and remove the inaccurate addresses from my credit report. Additionally, I would appreciate a written confirmation sent to me once these corrections have been made. 

Should you require further information or documentation to assist with your investigation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to correct my credit report and uphold the accuracy standards set forth by the FCRA. 

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

I am a victim of identity theft. some one broke into my Dad 's house years ago and stole everything including my personal information. I been reaching out using dispute letter sending them in certified with my correct information correctly spelled name birthday social address and demanding fraudulent account to be deleted from my credit report. my last letter I sent in was XXXX/XXXX/2021 certified with copies of my FTC report Drivers license Social security card and bank statement. nothing has been deleted or removed I will be attaching copies of the document I sent in to this report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. To this date, they have not responded. Below, I have provided the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : XXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Credit Limit : {$900.00} Please remove it from my credit report. 

You are reporting the XXXX XXXX  XXXX XXXX account incorrectly : Date Opened : XX/XX/XXXX Reported Balance : {$2300.00} I dispute the reported balance, as I believe it to be lower. 
Remove the information regarding the Past Due amount, as this account is closed and charged-off. 
Please mark this account as disputed to prevent its negative influence on my credit score. 

The information on the XXXX XXXX  XXXX XXXX account is inaccurate : Date Opened : XX/XX/XXXX Reported Balance : {$680.00} The reported balance is higher than I remember. 
Remove the Past Due amount as this account is closed and charged-off. 
I plan to contact the creditor to clarify the reported data. 
Until corrections are made, please mark this account as disputed. 

I request verification of the XXXX  XXXX account : Date Opened : XX/XX/XXXX Reported Balance : {$6300.00} The reported balance is inaccurate, and I believe it should be lower. 
Remove the Past Due amount as this account is closed and charged-off.

Please mark this account as disputed while I resolve my dispute with the creditor. 
Also, verify the Date Opened, Date of Status, and First Reported.
Product: Credit reporting or other personal consumer reports

I am still receiving emails from the credit bureaus suggesting that I am assisting credit repair companies, which is absolutely incorrect. I am the one sending out the letters. Please take immediate action to rectify this issue, or I will be compelled to take legal action. Below is the list of negative accounts and inquiries I want to be removed : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have a Federal student loan that I received from my XXXX school that was eligible for forbearance. The company did not give me forbearance. I would like my interest back that they charged me during the period and a refund my payments made during that period. I would like the interest and payment refunded for XX/XX/XXXX - XX/XX/XXXX ( present day ). 

The servicer is Nelnet.
Product: Checking or savings account

On XX/XX/XXXX I received a 16-digit {$250.00} offer code ( XXXX XXXX XXXX XXXX ) from Fifth Third Bank in my email. The offer promised a {$250.00} checking bonus for opening a new Fifth Third Essential, Enhanced, Preferred or Free checking account by XX/XX/XXXX if 2 requirements were met : reaching a {$500.00} balance within 45 days, and maintaining a balance of {$500.00} for 60 days. The offer stated that the cash bonus would be deposited into my new checking account within 10 business days of completing qualifying activity requirements. 

On XX/XX/XXXX I made an appointment with Fifth Third Bank located at XXXX XXXX XXXX XXXX and opened a free checking account with XXXX XXXX the financial center manager. I  also gave her the offer code from my email. 

On XX/XX/XXXX I transferred {$560.00} dollars into my Fifth Third free checking account fulfilling the minimum balance requirement and left this money in the account. On XX/XX/XXXX I also transferred an additional {$410.00} dollars. On XX/XX/XXXX I met the 2nd qualifying activity of maintaining a balance of {$500.00} for 60 days. 

On XX/XX/XXXX, 5 business days after the last qualifying activity, I contacted Fifth Third by email to inquire about my bonus. 

0n XX/XX/XXXX, Fifth Third replied with the following response After reviewing your account, our records do not show bonus offer attached to your account as of XX/XX/XXXX. 

Promotions are managed directly through your home Banking Center. For information on a promotion attached to your account, please reach out to your local Banking Center at ( XXXX ) XXXX. 

On XX/XX/XXXX, 6 business days after the last qualifying activity, the bonus had still not been posted to my checking account. I contacted the financial manager XXXX XXXX who had opened the account. She indicated that I should have received my bonus by now and that she would open a help desk ticket. She also still had the offer code and agreed to contact me on XX/XX/XXXX with an update. 

On XX/XX/XXXX I had not been contacted by XXXX so I initiated contact. XXXX stated that the help desk ticket was still open and that she would contact me if anything changed. 

As of XX/XX/XXXX it has been 2 weeks since the qualifying activity and I have still not received the checking bonus nor an update on its status.
Product: Debt collection

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC. 

FTC report was submitted and mailed in to Equifax however Equifax is breaking FCRA 605B ( 15 U.S.C. 1681c-2 ). No block has been made and they're still reporting on my consumers report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX XXXX Requesting reinvestigation into previous matter and verification of facts. I have attached a formal Letter Below with my identity documents.
Product: Debt collection

I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( continental fiance ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against that the CFPB take action to ensure Equifax complied with the federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

so recently I had a bank of america checking account I opened a year ago and after some time it ended up getting closed because it was in the negative and ended up having to open a new checking account regarding me adding money to my checking account couple hours go by I noticed that a debit hold was placed on my account and after I contacted bank of america to figure out why they said because of the account I had opened a year ago was in the negative and had to basically all the money I had and the account was closed 2 months ago meaning they waited 2 months just for me to add money to my checking account just 2 take my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violented my rights.15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 section 2. It also state 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 under an open end consumer plan as late purpose.
Product: Payday loan, title loan, or personal loan

I am charged XXXX interest with PayPal Credit and am paying off one of their loans. 
I set up 2 payments for {$150.00} one to clear right away on XX/XX/XXXX and one to clear on XX/XX/XXXX or so to get more payments on the loan to eliminate it. 
I had to cancel the XXXX payment and they cancelled both. 
I was charged a XXXX fee for a XXXX payment, which again due to their bad website triggered two cancellations. 

I would like to get the fee reimbursed to me.
Product: Checking or savings account

On XX/XX/XXXX I attempted to use my Credit card and my credit card was declined. I logged into my Chase account and noticed that my credit card was closed without any notice. I called Chase that night and they told me that they are ending their relationship with me and closing all my accounts with them such as my checking 's, savings, and credit card. They said a letter will be mailed out to you. It took a whole week for the letter to arrive. In the letter they did not specify why my account was closed. I have a good credit score, pay all my bills on time, have a steady balance in my checking 's and savings accounts. I have a steady income. No fraudulent or suspicious activity on my account. What chase did was highly unprofessional. They did not provide an explanation on why they closed my accounts and did not offer to review my account.
Product: Credit reporting or other personal consumer reports

Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX Closed XX/XX/year> {$11000.00}
Product: Mortgage

A second mortgage was taken out with XXXX XXXX in XXXX for XXXX. 
In XXXX it was sold to Specialized Loan Servicing. I made all required payments. In XXXX I filed XXXX XXXX. 

XXXX XXXX XXXX XXXX of the XXXX Bankruptcy XXXX did enter an Order on XX/XX/XXXX stripping the second mortgage XXXX on the property effective with the entry of an Order discharging me in this bankruptcy case. Furthermore, the XXXX entered an XXXX discharging me from the case on XX/XX/XXXX. 

After said discharge this company continue to send me monthly bills, when I tried to contact them no one would help or entertain my calls. Recently, I am getting alot of mail and people representing the lender leaving notes on my property regarding an outstanding balance and/or pending foreclosure. Ive called them hundreds of times and can not get past the first contact to resolve this issue. 

In accordance with the FCRA Specialized Loan Services has violated my rights. XXXX XXXX XXXX Section XXXX states I have a right to privacy. XXXX XXXX XXXX Sec. XXXX Sec XXXX a consumer reporting agency can not furnish a account without my written consent. 

A discharge under XXXX XXXX. XXXX ( a ) was granted, This order means that no one XXXX make any attempt to collect a XXXX debt from me personally. XXXX creditors has asserted a deficiency and sent people to my home to collect on a XXXX debt.
Product: Credit reporting or other personal consumer reports

I have one open up to date account with XXXX XXXX that I dont want touched. My goal is to rebuild my credit. 

I have 2 accounts with XXXX XXXX that were added in my XXXX XXXX XXXX dated XX/XX/XXXX. These 2 accounts show derogatory payment plan in bankruptcy and also show 2 negative accounts on my credit report. 
It says negative pay status ; what status I completed my bankruptcy payments in XXXX XXXX. It was XXXX XX/XX/XXXX. 
I want the two old inaccurate reported accounts removed from my credit reports.
Product: Debt collection

My family and I had a Family Plan with XXXX. In XXXX of 2016, my brother and sister called XXXX to terminate the plan and disconnect all phones including a home phone for all of my family members. After 20 plus years we moved to XXXX XXXX XXXX. XXXX terminated my dad 's and my brother 's account in XXXX but left the lines open for my sister and me. Again, we called and asked for the phones to be disconnected in XXXX. Their response was it will close out on XXXX XXXX without further charges. Finally, my sister 's phone was disconnected. My phone was not disconnected so I called in XXXX and they said that it would be disconnected on the XXXX. I paid the remaining balance and I was told that would be it. It did not end, I called back in XXXX and the charges kept piling up for a phone I had not used since XXXX 2016. On XXXX XXXX, I called and asked what is the remaining balance to clear our account? The XXXX representative told me the total was {$97.00}. I paid the {$97.00} and was assured the remaining balance was {$0.00} and that the phone would be disconnected on XXXX XXXX with no further charges.The plan for the last number was finally disconnected on XXXX XXXX. However, XXXX kept accumulating the charges. I called once again in XXXX and explained to the representative what had happened since XXXX and he told me you have to pay up which I did not. XXXX then sent the account which is under my brother 's name to a collecting agency. 

I must also inform you that on XXXX separate occasions the XXXX representative agreed that there was no phone usage and we would not be continued to be charged. She mentioned to me it 's a glitch in our system but it should be taken care of soon. Unfortunately, it was n't and the charges kept piling up. Now, they tell me the current balance is {$140.00}. 

I can no longer access the statements or usage from the Family Plan because my account is past due according to them. I have attached pertinent information that will provide evidence to my situation.
Product: Debt collection

I need to know more information about this debt. I want to see records. I did not receive any mail indicated I owed anything to anyone. 
All my accounts are paid up and then this random one shows up and claims Ive been in default since XXXX of 2021? 
Ive never even used XXXX XXXX. 
I need to know dates and be send the evidence because I am taking this to court if we dont figure this out. 
This is making my otherwise great credit look terrible.
Product: Checking or savings account

i had my account closed due to fraud activities not related to me... .my checking account was closed and i call and was told i could withdraw my monies in person at any retail store...... NOT TRUE ... ..at the retal store i was told they were going to send me the balance in a certified funds check on XX/XX/XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never was late with my mortgage with the lender PHH mortgage. I refinanced my loan with XXXX XXXX. PHH was late in processing the loan paperwork and It took them more than 30 days to close the loan.
Product: Credit reporting or other personal consumer reports

This account belongs to someone else I never opened this account and the last name does not match mines is XXXX this is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I issued a Letter of DIspute to XXXX, Experian, and XXXX via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, XXXX had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. XXXX did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. It is without a doubt that XXXX, Experian, and XXXX are certain of these laws which they must abide by, however this case is a prime example of XXXX 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. I will attempt to yet again contact XXXX, Experian, and XXXX via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that XXXX will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. Sincerely, XXXX XXXX XXXX