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

Upon reviewing my recent statement, dated XX/XX/year>, I observed inaccuracies that require immediate attention. 

Statement Closing Date : XX/XX/year> On XX/XX/year>, the previous balance was noted as {$1300.00}. Subsequently, I made a payment of {$1300.00}, effectively reducing the balance to {$20.00}. However, despite this payment, the credit bureau was informed that the balance remained at {$1300.00}, which does not reflect the accurate status of my account. 

Additionally, I noticed an interest fee of {$20.00} was charged, despite the payment being made prior to the statement closing date. This discrepancy is alarming and requires urgent investigation. 

I hereby formally request a thorough review and correction of this discrepancy. It is imperative that the balance reported to the credit bureaus accurately reflects the true balance as of the Statement Closing Date : XX/XX/year>. 

I expect prompt action on this matter and request that you provide me with a detailed explanation of the discrepancy and the steps taken to rectify it. Please ensure that my account records are updated accordingly and that any erroneous information provided to the credit bureaus is corrected. 

Thank you for your attention to this matter.
Product: Debt collection

Debt collector called me threats to send me to jail never states the call recording or the fact she is a debt collector. Told me I had my end of week or police and state will prosecute me.
Product: Debt collection

My account has been placed with Halstead Financial Services. here are the details : Halstead Financial Services : Original Creditor : Credit XXXX XXXX| XXXX. 
Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Total Balance Due : {$1600.00} I had not spoken to Halsted at all until today XX/XX/2020. My mother called and said someone from Halstead called from XXXX on XX/XX/2020 and divulged information about the debt including phone numbers, amounts owed, and addresses. They said to my mother that she was a reference on the account, which she was not. I never listed her down anywhere on any account. I know they got the information from a skip trace report. I called Halstead today on XX/XX/2020 at XXXX EST and spoke to a XXXX  about this and said they would remove her number from the account. She ended up transferring me to a manager whose name I couldn't understand. The manager confirmed they did call and said in her notes that " they spoke to the debtor on XX/XX/2020 '' and said they had been sending statement after statement, which I have not received. I have only received an email from them on XX/XX/2020. When I confronted the manager about divulging the personal information about the account balance and creditor name, she said " That's how we run things here, and is out process and policy. '' I said no, per CFPB regulations, you can not divulge sensitive account information to anyone other than the debtor. She then said that they would have to go back and listen to phone calls to investigate. After trying to ask for more info on why this happened, she said they would list my account as " Cease Collections '' and hung up on me. I have also never gotten any communication from XXXX XXXX.
Product: Debt collection

Im a victim of identity theft. I filed for a POLICE REPORT, FTC report and complained to the better business bureau as well as CFPB. I sent my documents to SECURITY CREDIT SERVICES and they have not responded.

I will be taking legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 
You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on DATE without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXXXXXX XXXX  for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting or other personal consumer reports

My personal information has been incorrect on my Experian profile for over a year. Ive tried multiple times to fix this and I get no help. 
My only name is XXXX XXXX XXXX. And For some reason, there are a number of other names on my credit report that are not mine obviously and Im pretty sure that there are laws being broken. If the information on my credit report is not 100 % accurate According to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank account was opened in XX/XX/1999. The account has been paid and is closed. When looking at the line item on my credit reports, it has no date listed as to when this account will be removed from my credit report.
Product: Credit card or prepaid card

This week, the week ending XXXX/XXXX/17, The Discover credit card company closed down my account for no reason, right before I was going to use the card to make a payment for a debt that I owe, and stated that I needed to send a copy of my drivers license, social security card and proof of address for no reason at all. I had been paying on time always and never had an issue before. I currently owe less than {$100.00}, which is very little, on my card since I generally keep my balance at a zero balance most of the time. I have been a great customer always paying on time and I have a high credit score of over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with XXXX XXXX for a car loan that I recently paid off. I have never been late and have always made arrangements if there was having financial difficulty. I have contacted the company several times and mailed proof of payments every month I've had the loan. They are unwilling to remove the late payments.
Product: Mortgage

My mortgage was transferred Stearns Lending in XX/XX/XXXX. My Home Insurance carrier told me in XX/XX/XXXX that my insurance will be cancelled if my yearly premium is not paid. I immediately informed Stearns and the rep. told me to not worry about it that payment was already mailed. A {$550.00} check was sent to XXXX XXXX in XX/XX/XXXX. The check was returned back on XX/XX/XXXX bc of wrong information was provided. My policy was canceled. Stearns never followed up and, in XX/XX/XXXX, I discovered that I had no Home Insurance policy. I contacted my Broker who explained that I needed a new Home Owner policy because the previous one could not be reinstated. Now the yearly premium increase is {$600.00} instead of {$550.00}. Stearns explained in XXXX that they will pay the {$46.00} difference to my escrow account bc it was their mistake for not following up. 
In XX/XX/XXXX, my mortgage was transferred to XXXX. 
Stearns refuses to pay the {$46.00} despites several phone calls and full explanation. Rep. usually put my call on hold until I hang up after 30 minutes waiting ) ; one told me Stearns will never pay anything. Now, I will have to pay an additional $ 46 yearly premium until the end of the mortgage life ( 30 y ) bc of Stearns 's mistakes, breach of duty, and obvious bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint begins with some hard inquiries I encountered on my credit report. Total of 9 hard inquiries.

Banks that showed up on my report are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In the end of the month of XXXX continuing to the beginning months of XXXX. XXXX I recently started a XXXX  business in XXXX ( XX/XX/22 ) and have not established any business credit. I believe these hard inquiries are fraud and should be taken off my credit report. I am well aware on how to manage, spend, and keep my utilizations low in order to build proper credit without applying too many unnecessary debt.
Product: Credit card or prepaid card

capital one on XX/XX/19 sent me a letter stating that they credited my credit card account XXXX but they still charging me the XXXX because they have gave me a credit of XXXX in the begging when I first made the dispute so when merchant put the XXXX in the capital one credit account they were suppose to retrac the credit they gave me and replace it with XXXX the merchant paid back and not charge me the credit they gave because it was already paid back to the account
Product: Credit card or prepaid card

XX/XX/2017 {$13000.00} us bank cheat me im ask a o % interest in12 month and cash us bank give me different product i need help to fix this case thank you
Product: Credit reporting or other personal consumer reports

I have contacted capital one auto finance and asked them to provide documentation of the debt. This is identity theft. I have no knowledge of the vehicle in question and it has negatively effected my credit for years
Product: Student loan

In XX/XX/XXXX the CFPB issued a consent order related to Discover Student loan servicing.
My Discover account number : XXXX Discover sent me letters and a check for {$75.00} as part of the consent order. I spoke to Discover several times regarding my receipt of the check. I spoke to them on XX/XX/XXXX and again on XX/XX/XXXX.
When I received my check I deposited it into my XXXX XXXX XXXX account. On XX/XX/XXXX the check bounced in my account. XXXX XXXX XXXX told me that Discover had placed a stop payment on the check. XXXX XXXX  XXXX charged me a {$35.00} fee and a {$12.00} fee. 
I spoke to Discover again and they mailed me out another check.
I spoke to Discover on XX/XX/XXXX before I deposited my newly received check and I was assured that this current check was good. OnXX/XX/XXXX I cashed the check with XXXX XXXX XXXX. 
On XX/XX/XXXX7 XXXX XXXX XXXX debited my account for a return item fee for the check. I will once again be charged a {$35.00} fee from XXXX XXXX XXXX. 
When I called Discover they informed me that they no longer handle the refund checks and that I would need to speak from now on to the CFPB.
Product: Debt collection

I am disputing this debt because I was never notified of an attempt to collect a debt and given a chance to dispute. I have a right to be informed and my rights were violated. I also do not recognize this debt and I am disputing the accuracy of the information. 

This collection was reported to my profile on XX/XX/2021 but shows an assignment date of XX/XX/2021.
Product: Mortgage

I am trying to retain ownership of my condominium through a modification process. I applied for a modification with Ocwen in XXXX XXXX On XXXX XXXX XXXX I was informed via telephone that my modification had been approved. Ocwen has their loans serviced in XXXX. My relationship manager has a very thick accent and I am unable to understand what they are offering me. I have called back several times and received different responses from different individuals all of whom were nearly impossible to understand. I have requested numerous times that my call be transferred stateside to the US and it is virtually impossible to get them to comply with my request. The language barrier and comprehension of my questions/concerns are proving too difficult to understand my legal obligations. On XXXX XXXX XXXX I spoke with XXXX ( ID # XXXX ) and he informed me that the modification was temporary. My payment was dropped from {$490.00} to {$340.00}. I inquired about the details of the permanent modification and they refused to give me any details in writing about it. I asked for it via email and US Mail and was told that it was not possible. I have numerous questions regarding the terms of my temporary modification and what is likely to be on the permanent modification. I am very hesitant to sign the temporary modification because I feel that the deal is too good to be true. Additionally, I need for my relationship manager to be located in the US. A mortgage is a long-term commitment and binding legal document that I want to be sure that I understand everything before I sign on the dotted line.
Product: Credit card

I had a business I was operating that was extremely affected by XXXX XXXX. During covid i had an extremely hard time paying my employees and my bills, and I had some late payments that occurred as a direct result of covid. I actually had to end up closing my business down due to the pandemic which has put me in a financial crisis till about a few months ago. 

For capital one, I missed 3 payments. 
XXXX XXXX XXXX and XXXX and in XXXX in XXXX. 

I also had to close this account due to covid. I was affected from early XXXX till late XXXX as I had to shut my business down and get a job and pay off business debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19. Amsher Collections reporter a debt to XXXX  in the amount of {$850.00}. Which if inaccurate. Amsher represents XXXX XXXX . Which I had derive for 2 month and cancelled and returne my phone to them. They continue to say I owe the above amount. Which is false I have spoke to XXXX XXXX 4 times and have gotten no where which then. I have tracking of phone showing they received it etc. XXXX  is not taking this off my report after I disputed it with my evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my chexsystems report i notice it was fraudulent inquiries on my file
Product: Debt collection

I am writing to formally dispute the failure to remove fraudulent accounts from my credit report, as this non-compliance with the law has been acknowledged by XXXX but persists with your bureau. Upon contacting the respective banks, they assured over the phone to remove these accounts due to fraud. XXXX has already completed their report by removing the fraudulent accounts, indicating that it is indeed feasible and compliant with regulations. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ....
Product: Mortgage

My husband and were mid process refinancing our mortgage with M & T Bank. We were not asked to provide any contract information for employment verification. Instead on XX/XX/2021, M & T Bank sent a companywide email to everyone ( Over 700 employees ) at XXXX where my husband is employed. The email was sent from one of their employees whose job title includes " foreclosure specialist '' and asked if my husband worked at XXXX. So, now, everyone employed at XXXX believes that our family is going through a foreclosure. This is not only humiliating and embarrassing but is also extremely detrimental to his professional persona. This is a violation of the Right to Financial Privacy act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 and 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 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. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXXection 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Vehicle loan or lease

I purchased a car on XX/XX/XXXX. I've contacted this Capital One so many times pleading for help every time I found out new information about how I was defrauded by XXXX XXXX Mitsubishi dealership. The bank approved this loan with out fact checking the contract. I was also told that this car was new and I was the first owner but that was a lie, but new was on the contract. The dealership made my income on the credit report extremely higher then what it was. I was pre-qualified with the bank before purchase of the car and I've been a customer for many years so they already knew my income. They put a warranty on my contract that I did not ask for nor needed. Also I was with out legal transportation for over a week cause my temporary plates had expired. When I finally get them they are not the handicap plates I was told I was getting. So I had to go to the NJ XXXX to get the correct ones. I was told the contract was going to be canceled out and I'll get all my money back and the dealer will own the car again. It sounded too good to be true so I ask for it in writing but I was told no from dealership. Then last month I was told by the bank that the dealer is posting a payment of {$23000.00} which will pay off the account and was asked do I still want to make my payment I said yes. Then I asked the dealer to send me proof that they are making a payment. They sent me a questionable invoice with capital one name spelled capital once. Then my payment of {$440.00} posted on my due date XX/XX/XXXX. The next day XX/XX/XXXX 2 payments posted totaling {$23000.00} and doesn't say where they came from. My payment was reversed and {$38.00} was taken from it as the last payment. A week later I received a congratulation letter and lien release letter which said I was the owner. On XX/XX/XXXX I received a letter from the bank saying the dealership purchased a retail installment contract from them. I believe this information was withheld on purpose. I'm very horrified, disappointed and distressed by they're conduct towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( ALLY FINANCIAL ) company. I requested that they send me the written " Permissible Purposes '' document with my signature, but I received no response or explanation. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
Product: Debt collection

Did n't receive a notice five days prior to this creditor inaccurately reporting debt that is not owed to my credit file. The law states that a consumer must receive prior notice of their right to dispute and XXXX XXXX XXXX XXXX failed to adhere to the law. This debt is not owed.
Product: Checking or savings account

on XX/XX/2022, I was out of town in XXXX Texas and I open my bank account and noticed that over {$1500.00} from my account was stolen. I filed a complaint and dispute with Bank of America fraud department and they did not offer to refund me even a partial amount of that money. I am a college student who works full-time still trying to make up for that money that I had lost. I was out of town with my bank account and the negatives with no access to any type of funds available stranded out of town for three days. Bank of America refuse to refund me despite this having nothing to do with me or at my fault. Someone had hacked into my debit card and stole my money
Product: Debt collection

I choose to invoke my Rights an a Natural Person A Consumer pursuit to 15 USC 1692c ( d ) An Individual In pursuit to Title 15 chapter 41 Consumer Credit Protection In violation of my consumer rights I am being harassed by a debt collector In pursuit to 15 usc 1692d Also in violation of my consumer rights via mail fraud in pursuit to 18 usc 1341 Violation in pursuit to 15 usc 1681 FCRA my information should be private. 
Violation in pursuit 15 usc 1692 Congressional Findings and Deceleration of Purpose. 
Violation in pursuit to the FDCPA False deceptive and misleading information. 
All debts are alleged. 

All debts are alleged obligation I dispute Any debt where applicable I love Myself
Product: Debt collection

Credit bureau is in violation of FCRA, GRAMM- LEACH- BLILEY ACT and 49 CFR 801.56 among  others.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CONVERGENT OUTSOURCI XXXX Balance {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of XXXX inquiries on my credit report, but I do not know what 3 of them are.
Barclay 's Bank Delaware - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Opened Venmo account on XX/XX/XXXX to get reimbursed from a friend that I helped purchase tires. 
XX/XX/XXXX Venmo froze account for no substantiated reason for single transaction. Photo ID documentation was uploaded as requested on XX/XX/XXXX. 
Inquiry on XX/XX/XXXX indicated the review would take XXXX weeks, significantly longer than the initially informed XXXX business days. XX/XX/XXXX informed minimum time for information review is XXXX days. During all inquiries, was hung up on several time and places on hold extensively. No supervisor or XXXX could determine specific reason for freeze after single transfer of funds into my Venmo account. Currently Venmo has {$620.00} in funds in my account frozen and refuses to return it to the original person that transferred it so that I may conduct transaction using different means such a as XXXX or cash.