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

It appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. I research, and I found that under section 605b of the FCRA Credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance- ; WXXXX  XXXX Balance ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$130.00} If XXXX, Equifax, and XXXX feel there is a possibility these itemsbelong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

The private details mentioned in these papers aren't mine.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES VIA CERTIFIED MAIL REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

The inquires below are not mines and are ID Theft. Please review and delete. I have added a ID theft alert to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

OCWEN HAS ENGAGED IN CONTINUOUS PREDATORY PRACTICES, intentionally to avoid assisting me/ a borrower, in resolving the toxic, bad loan STILL plaguing me from pre-2008 meltdown/ bad debt. They have EVERY time sabotaged ( I have proof ) the process to avoid ANY RESOLUTION to the toxic loan I am still saddled with. For over 1.5 years I have attempted a conventional refinance, a HARP refinance, a modification, and a short sale among other attempts to resolve. OCWEN BURIES the process and SABOTAGES it : Hiding behind bureaucracy so egregiously that the applications expire, and/or documentation expires, creating the continuous requirement of new documentation and notifications of FURTHER DOCUMENTATION REQUIRED, EVENTUALLY REQUIRING US TO APPLY FROM THE START ALL OVER AGAIN, AND THE SABOTAGE CIRCULARLY CONTINUES AD INFINITUM. 
ALL-ALL-ALL LEADING TO " DECLINING THE APPLICATION '' AND NO RESOLUTION. 
OCWEN IS PREDATORY and blatently avoiding borrowers receive government assistance programs or working on a solution, ANY SOLUTION, to get them out of toxic debt caused by the residual bad loans that caused the 2008 meltdown.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On or around XX/XX/2022, consumer ( applicant ) acted in good faith and completed a credit application for an accepted credit card via CAPITAL ONE. Capital One ran my credit card and obtained a consumer report from. Based on information found in my consumer report, CAPITAL ONE denied my credit application. Based on the Equal Credit Opportunity Act, an applicant shall not be discriminated against because the applicant in good faith exercised any right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous times. I demand the account listed below be removed because, According to 15 USC, I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX ; XXXX XXXX XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX )
Product: Credit card or prepaid card

I got an email from XXXX  XXXX saying I spent {$350.00} on MENS clothing and had it sent to some state Ive never been to. Called XXXX XXXX support and they told me it was fixed and took away all charges.. then now, a couple months later Im still getting bills from them for this problem and Im trying to resolve it using XXXX and it remains. Im not paying for things I did not purchase and thought they resolved months ago.
Product: Debt collection

I was called by the company and told I needed to take care of this debt. I think they are a scam organization, as I have no debts. I've researched that they buy up junk debts and try to collect, often from the wrong person. They have been sued many times. I have no debts what so ever that are or have been delinquent in the last 20 years. I hung up on them, but they keep calling
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XXXX XXXX _________________________________ Without Recourse UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XXXX  Open/closed Closed Status 90 Days Late Past due amount {$360.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$0.00} Unauthorized inquiries CXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

This bank is the devil, there is a lot of fraud and shady practices going on in this bank, this bank hand my address wrong on file, listed as XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX, they have compromised my personal information and now after there was fraudulent transactions on my account, they dont want to take responsibility for their mistakes. 
They have also had me send XXXX police reports to have my claim denied again, They also took money from me on XX/XX/XXXX and i found my checking account withdrawn by XXXX randomly, this was witnessed by the branch on XXXX, XXXXXXXX XXXXo. 
The branch XXXX himself said that the organization did me wrong, for the second time. 

Ive been humiliated for this company and im forced to file numerous police reports and to lose a lot of time, they are not even looking at the information im providing them, they are taking XXXX day after i file a claim re-opening, XXXX tired and drained out, this a bank that has a lot of fraud and shady practices going on, they should be held accountable for what they are doing, the representatives on the phone seem to give me different answere and there is something fishy going on each time i call on the phone, they always seem to contradict themselves. 

I have told them to leave my address as it is on file because they had it wrong until i had proof that it was right, when i went to the bank they had changed it, thank god i already had the proof on a check. 

They have treated me with immense cruelty, and have left me starving XX/XX/XXXX, they have let me starving for XXXXXXXX XXXX while making XXXX dollars available balance available and then taking it out the next day for a perfectly liable check. 


This bank has treated me like trash and have dangled between discrimination and treating me worse than they could treat a criminal. 

Attached is my address writing wrongfully on a check. And the police reports that i filed and they were denied about Keybank
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account  # XXXX, Attorney General Child Support account  # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

My daughter is insured through my ex-husbands XXXX  insurance. I received a debt collection notice from Capio Partners for one of her XXXX  bills in the amount of {$270.00}. Previous to that, I had never received a XXXX  bill stating money was owed. I can assume since this is my ex-husbands XXXX  policy, and he is the responsible party for the insurance, he was receiving the bill and ignored them. I pulled my credit report to see if it was showing. Of the 3 credit reporting bureaus, XXXX  was the only one reporting it. I found it odd that only one credit bureau was reporting the collection. I filed a dispute for it to be removed from my credit report as it is not my insurance policy and I am not the guarantor of the insurance. Dispute came back that it does meet the Requirements of the Fair Credit Reporting Act, but Capio Partners came back and said the information I disputed was accurate. I would like to know how and were on the insurance information Capio Partners has on file, that I am the responsible party for this XXXX  bill, when I am not the policy holder or the guarantor of the insurance that the collection was filed under. I would like you to investigate and provide me with some answers. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? 
I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. 

This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. 
For yet another time, the following accounts are erroneous : XXXX XXXX XXXXXXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX   ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I had a legal name and XXXX  change  ( I am XXXX  ). I have been trying to update my name with Experian ever since ( I am submitting this on XX/XX/XXXX ). They keep saying that my information is correct on their end, they even send mail to my listed address under my legal name, yet my account and credit reports don't reflect that. Despite calling several times and having several agents " resolve '' the issue, neither my account information nor my credit report have been updated. Whenever I log into my account it shows my old name, and whenever I check the brief report on the website it shows my old name. To make matters worse, since the first time I tried updating my name with Experian my credit score has been broken, it comes back as " unscorable '' /null. I have had a debit account for over XXXX  years, and a credit account for several years too with consistent and frequent activity. My activity is there, but for some reason Experian either refuses to or can't properly track it, in addition, my SSN has remained the same, there should be no issue tying my financial activities to my identity. The other XXXX credit reporting agencies ( XXXX and XXXX ) have also shown null/unscorable credit scores, but only AFTER I attempted to update my information with Experian. The other XXXX credit reporting agencies ( XXXX and XXXX ) have acknowledged and accepted my name changes, leaving only Experian as the stubborn outlier. It is near impossible to finally speak with a human agent when calling Experian 's customer service/support lines, their robo-system easily sends the caller into endless loops or just flat-out hangs up on them. I have submitted the necessary verifying documents to Experian several times, and when I call customer service, they acknowledge the documents are there and claim to be processing them, however, it never results in change, my name on both my account and credit report remain unchanged whenever I view them. It has been over XXXX years, I need my credit reports and scores fixed, it has already negatively impacted me, resulting in me having to pay a much larger security deposit for an apartment lease than should have been necessary, but because the apartment management had difficulty finding my credit reports, I had to pay.
Product: Credit card or prepaid card

My balance on my XX/XX/XXXX statement was {$750.00}. 

I made payments totaling {$870.00} before the statement closed on XX/XX/XXXX. 

During this statement period I also made new charges of {$930.00}, leaving a balance of XXXX in new charges. 

My XX/XX/XXXX statement showed an interest charge of {$18.00}. I contacted cardholder services on XX/XX/XXXX to inquire about this as the statement specifically states on page 2 : " How can I Avoid Paying Interest Charges? If you pay your statement 's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' Since it states they would not charge me interest on any new transactions, I should not have had an interest fee. 

The representative I spoke with advised me that interest charges are delayed a month, which meant the XX/XX/XXXX interest charge was for the balance carried on to my XX/XX/XXXX statement. I accepted this and did not press further. 

When my XX/XX/XXXX became available on XX/XX/XXXX, I immediately checked it to make sure there was no interest charge, however there was. I called cardholder services and the representative I spoke with advised me that I have to have no charges carried over 2 months in a row in order to not receive an interest charge. I asked to speak with a supervisor who confirmed this as their policy. 

While I fully agree I am due to pay an interest charge for the XX/XX/XXXX to XX/XX/XXXX billing period ( my previous balance was XXXX including the interest charge in debate and my payments were {$660.00} ) because I had a month where I paid my previous balance in full, I should have had a month where I did not have an interest charge.
Product: Debt collection

XXXX PHOENIX FINANCIAL SERVICE XXXX XXXX told me that the her reports told stated someone went there for major XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove them immediately. 

XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Debt collection

Hospitalized in XX/XX/2018 twice. Copays came to XXXX. Paid debt off 2 weeks ago directly to hospital. 

Debt Collector CMRE claims amount is still owed - {$190.00}. 

CMRE FINANCIAL SERVICES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY LETTER
Product: Credit card

I walked into Wells Fargo on XXXX XXXX, 2016 and applied for a secured business credit card. I deposited the {$500.00} that was required to secure the credit card and was subsequently approved that same day. I was notified that the {$500.00} would be pulled from my account within 3 days and that I would receive my credit card in the mail within 7 business days. It is now XXXX XXXX, 2016 ; approximately 1 month and 15 days later and I still have not received my credit card. I have called the bank where I applied, as well as customer service, every single day since XX/XX/XXXX and I have received, literally, XXXX different reasons why I have n't gotten my card. The bank has pulled the funds from my account, however, they will not give me a date, or even an approximate date on when I will get my card. I have been dismissed and belittled and I ca n't help but wonder why. This is fraud and apparent discrimination to the highest degree. I know that this has happened to other individuals and I am going to pursue this situation to the point of a lawsuit. If anyone has experienced this same situation, or any situation that has a hint of discrimination, or fraud, please post your experience.
Product: Debt collection

Orions management group loc put a collection on my credit report I ask them to send me a debt validation letter they did with the contract from the creditor an as I expected the signature on the contract is not mine I will upload photos from my if and contract as proof this is not my debt