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

My credit report shows that there is a bankruptcy which was furnished without my knowledge or consent. I have in return received multiple adverse actions due to all credit reporting agencies. It has affected my family, my lifestyle and most of all has caused so much public humiliation. 
I have reached out to all credit reporting agencies and each and every single one of them denied the request to remove. You have already caused unreputable damage. 
Remove the Bankruptcy immediately I want all charge off accounts updated to PAID AS AGREED And all hard/negative inquires REMOVED COMPLETELY You have reported over 25 transactions through negatively reporting my non public personal payment history.

I also reached out to U.S. Bankruptcy Court Utah District who also says they are not affiliate with ANY credit reporting agency.

15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ).

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6809 ( 5 ) 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Debt collection

TransWorldSystems holds an incorrect or inaccurate debt on my credit report which needs to be removed. Amount is XXXX dollars. AC # is XXXX. I am currently trying to use all legal avenues to remove this debt from my credit report.
Product: Checking or savings account

Fraudulent account opened under my name using my social security number at Wells Fargo on XX/XX/XXXX. Forwarded emails to them same date. Responses without case number. Received letter in mail saying account closed on XX/XX/XXXX. Called their fraud team on XX/XX/XXXX, and they stated the account was still active but will now be closed.
Product: Mortgage

Spoke XXXX XXXX @ XXXX on XXXX. She is doing an escrow analysis and will get back w me in a day or 2 after completed. Informed her that there will be a shortage, not to increase payments above what was previous, I would catch the account back up. Also told her to apply extra payments to escrow as it was applied to principal. Payment was sent and the difference was supposed to be applied to escrow - This still hasn't been done as of XXXX Received a voicemail from XXXX to call back. Spoke w XXXX at XXXX on XXXX. Made a payment of {$1300.00}. {$480.00} is needed to catch the escrow account up by XXXX for property taxes. Sent payment to escrow and changed monthly payment to be corrected. - Payment received and STILL showing a negative balance in the escrow account. Even after our conversation and payment was sent! Still showing a negative balance ... Looks like it was applied to principal. No one EVER fulfills what they say they are going to do when I speak to this company...
Product: Bank account or service

I am filing this complaint against Bank of America in XXXX XXXX, California. 

Yesterday I went to the branch to place my wife 's automobile title into our safe deposit box. A bank manager led me into the vault where we both discovered my box drilled open and my documents and cash removed from the box ( see attached photos ). There were XXXX bank employees in the vault with several plastic bags holding documents from other customers ' boxes. I asked where my documents were and they produced a sealed plastic bag with my documents and cash inside. I asked why they removed my documents from the box and they initially said that it was due to non-payment of the box fees. Then they changed their story and said that they did it because they did not have all my wife 's information. I asked what would have happened had I not shown up to discover this. They answered that they were going to send all the contents to a " holding facility ''. The bank manager who led me into the vault was as surprised as I was. The XXXX employees seemed surprised as well. I said : " Let me get the straight. I come in here to find my personal documents and thousands of dollars in foreign currency removed from my safe deposit box. You have my phone number, my email, my BOA account on your website, and you could not contact me? Had I come in tomorrow all my personal belongings would have been gone. '' My question is : Is this legal? I never received any notice of delinquent fees, nor any notice of my wife 's information being incomplete. They have my physical address, email, my phone number. I use the ATM at the branch weekly. They could have blocked my use and sent me a message to see a bank officer. 

I feel that our privacy has been violated. Among the many sensitive documents in the box, the documents included our marriage license, my wife 's Social Security Card, our parents ' living wills, our Pre-Marriage Agreement and our birthdates and social security numbers. To me this is a direct violation of the trust agreement between us and Bank of America.
Product: Credit card

Synchrony 's XXXX credit card advertised favorable equipment purchase financing, but had HUGE hidden fees that kicked in after a certain time period that had me locked into paying into a balance that never really went down for YEARS. 

I requested paper statements for my XXXX Synchrony card, over the phone, twice- and they were not provided either time. 

Most recently, and the primary reason for my complaint : it is impossible to unsubscribe from their Small Business email marketing.The unsubscribe link on the last year 's worth of emails always leads to a " 500 - Internal server error. '' I assumed it was a temporary issue, but now I'm realizing its literally impossible to opt out of these emails that I never signed up for. I have never requested contact from this predatory company, and the frequency and inescapability of these marketing emails ( even AFTER closing the card ) is straight-up harassment.
Product: Money transfer, virtual currency, or money service

Ive been locked out of your coinbase account since the XXXX of XXXX for no reason and cant access any of my funds ive tried to contact coinbase multiple times to gain access however had no response. Ive also submitted my ID multiple times and still had no feedback about gaining access to my account. Im not happy about the timescales and lack of communication and would like to escalate this issue until someone contacts me back with a resolution. This has also affected me a lot financially as I have not been able to access my money I would like someone to urgently contact me to fix this issue.
Product: Credit reporting or other personal consumer reports

After looking over a copy of my consumer report recently I've noticed several accounts that's reporting to my report that's unauthorized and in violations of multiple laws. I've mailed Equifax a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me.
Product: Debt collection

Midland Credit Management or Midland Funding has started to contact me after I have asked them not to contact me. They are now contacting me about an old debt and using deceptive practices in order to get me to communicate with them. Over the last couple of days, this collection agency has called me from two separate numbers asking for random people. When I state that they have the wrong number, they start asking questions inquiring about who they are speaking to. When I look up the number, I discovered that it was MCM or Midland Funding. 
These methods feel deceptive. I asked this company not to contact me over six years ago and I believe that they are trying coerce me into some type of agreement. MCM has called from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed SYNCB/BP, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account is being reported as charged off in XX/XX/XXXX which is inaccurate. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$150.00} when the account should be XXXX due to the account being a charged off account. It is also reporting and updating as charge off from XX/XX/XXXX to XX/XX/XXXX on XXXX but reporting updates on EQUIFAX from XX/XX/XXXX to XX/XX/XXXX and no information being reported from XXXX which is also inaccurate. This account is also reporting updated balances with different, XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX and XXXX XX/XX/XXXX which is also inaccurate. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a letter on XXXX - Telling me that my payment is shorted, I immediately called SPS at XXXX and Customer support provided information that insurance information is missing and so there is lender placed insurance on the account. I informed i have insurance, and she provided a fax, and email to send documentation. My provider XXXX XXXX, immediately faxed the same. I also followed via email and provided the same information. 
XXXX XXXX received an email, noting the insurance information provided is processed and no further action is required. The payment i send on XX/XX/XXXX, still did not post kept on calling them daily. and got a run around, then i was told that a ticket is opened on XX/XX/XXXX and it will be done in 2 business days. 

Then i got call on XX/XX/XXXX, advising me that i should apply for hardship. The payment was already more than the required payment, why should i request hardship i asked. 
Then called on XX/XX/XXXX the payment is not posted, it can take 10 business days because they don't know why. I am concerned they are damaging my credit report, and harassing me for no fault of mine. The insurance was always active and this issue should be resolved and CFPB should enforce the guidance it has that a payment should be promptly restored,
Product: Debt collection

I am CONSTANTLY contacted by XXXX about a debt from over 12 years ago. It started in XX/XX/2022 and the most recent call Ive received was Sunday XXXXXXXX. I have asked them to stop calling me. They threatened to contact my employer, garnish my wages, sue me, have me arrested, and report this debt to the credit agencies. I do not owe this debt. They just want me to go to a website and start making payments. 

The harrassment is unbearable. Please help me stop this abuse.
Product: Mortgage

We were in forbearance for 12 months on our mortgage with Lakeview serviced by XXXX, at the end of forbearance did a loan modification placing all past due payments, taxes and insurance in a deferred balance. During that time was approved for HAF mortgage assistance on XX/XX/XXXX. Lakeview received funds and refused to apply them and returned them on XX/XX/XXXX. We have spoken to Lakeview almost daily, they have given several different reasons why they will not apply the funds. Even after Lakeview returned funds they claimed they never received them. They refuse to give us the information on where to have the funds applied to deferred balance.
Product: Debt collection

XXXX fraudulent accounts opened at some point then abandoned XX/XX/XXXX/XX/XX/XXXX by person committing identity theft. Accounts were not discovered until 2016 when looking at credit report. No collection attempts were ever made to me through mail or by phone. When contacted company I was forwarded to various collection companies who all said they did not hold the debt anymore. Company representatives were extremely hostile and demanded I pay, while refusing to furnish any information regarding the accounts. Filed identity theft complaint with company to discharge the debt and was denied. Filed complaint with various credit reporting agencies. Some agencies deleted the debt but then it would reappear under another collection company.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed Regular XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150000.00} - Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

So on XX/XX/year> ; I went out with friends for a few drinks in XXXX since I am XXXX XXXX currently XXXX. When I paid using my Apple Card in my Apple wallet a few hours later I started receiving fraudulent charges across XXXX different cards That were in my Apple wallet. I have already disputed the XXXX other credit cards that were compromised and they were already handled by XXXX XXXX, and XXXX XXXX properly. The charges onto my Goldman Sachs Apple Card for {$1700.00}, {$1500.00}, and {$930.00} all charged from XXXX XXXX, all transactions were put on a temporary credit until a final decision could be made. I have now been told that the fraud decision was reversed and that I would be responsible for charges that were not made by myself. Then on XXXX XXXX my Apple Card number was stolen again by a company called XXXX XXXX for XXXX. Again I was not near any of the place of businesses when these charges occurred, and with being in a XXXX XXXX XXXX XXXX XXXX it has been near impossible to get anyone to cooperate. I have now since appealed the reversal decision with Apple Card support. XXXXXXXX XXXX  and XXXX XXXX have closed their investigations with crediting the accounts properly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an alleged debt for which I have received separate collection attempts from both XXXX XXXX and XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., it is unlawful for two separate entities to pursue collection on the same alleged debt without a valid explanation or legal authority. Furthermore, I did not provide consent for my personal information to be shared, disclosed, or transferred between your companies, in violation of my rights under consumer privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The unauthorized sharing of my personal information constitutes a serious breach of privacy and legal compliance. 

I demand immediate clarification and resolution of this matter. Specifically, I require a detailed and itemized validation of this alleged debt, including the name of the original creditor, the amount claimed, and proof that either XXXX, XXXX or XXXX XXXX XXXX XXXX has the legal authority to collect this debt. Additionally, I require an explanation of how my personal information was obtained, whether it was shared or transferred between your companies, and proof of my explicit consent to such an exchange. Until this dispute is fully resolved, I demand that all collection activities cease immediately. 


I expect your immediate attention to this matter and a written response from both XXXX XXXXXXXX and XXXX XXXX XXXX XXXX within 30 days. Failure to respond or continued unlawful collection practices will result in immediate escalation to the fullest extent permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish a y information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate.

I can go on and on The Credit bureaus no respect for laws.

Someone newd to hold the accountable for this.
Product: Debt collection

The original amount of the bill, per AWA collections agency, is {$160.00}. The total balance due is {$220.00}. They are charging {$55.00} as " interest and fees '' but when I spoke to a representative on the phone, I was told that I was incorrect, and the " interest and fees '' should say " collection fee '' but the amount charged by the medical office ( the original debt ) was only {$30.00}, and that my payments made had gone towards the " collection and fees. '' When I explained that the interest was 40 % of the bill, she argued and said that " there is no interest being charged. '' She also stated that they were not allowed to send bills and receipts. She was adamant about not charging interest, although the bill received ( which is the first bill that I ever received, as my ex-husband was hiding mail ) clearly states " interest and fees. '' I told her that I would only pay the original amount, and I would not be paying interest. She told me that I had to pay the " collection fee '' or else the bill would not be paid in full.
Product: Credit reporting or other personal consumer reports

I created a user id for Experian Credit Bureau in order to freeze my credit. The only option to get to that point is to request a free credit report first. When I entered my SSN ( which I was hesitant to do ) it takes me to a page that states they are unable to identify my information and gives the phone number to call. 
I have been trying to call and get a live person all week to no avail. 
I need to speak to a live person to get this corrected so I can have online access to my data. 
I have completed this very easily with the other credit reporting bureau 's.

Please HELP