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

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

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 card

I enrolled for the Chase Sapphire Preferred card from JPMorgan Chase & Co during XXXX XXXX  on XX/XX/XXXXXXXX  because I wanted to use it for XXXX XXXX  deals by adding the card to XXXX XXXX instantly as this was a possibility. Additionally, this was done keeping in mind that it would also help me spend {$4000.00} and obtain XXXX points. However, my card kept declining for random reasons and I had to always call them to help me with the transaction. I called them a ton of times for my purchases with XXXX and XXXX XXXX XXXX. And now my transactions are failing with XXXX and XXXX. For this reason, I called them again and they transferred me to their fraud team for verification, the agent said I would receive a call to verify my phone number. I didn't receive a single call and I also provided my friend 's phone number for the call but it didn't work there as well. This agent said repeatedly that the verification failed despite neither of the numbers receiving any calls and asked me to hang up and dial their number again. On calling again the new agent said my account has gone into verification and it would take 24/48 hours for the same. Basically, they weren't helpful at all, and if this were the issue I feel they shouldn't have approved me in the first place. I even asked for visibility into the escalation/ticket for which she said they wouldn't send any mail regarding the same and I would receive a call. No resolution or help was provided whatsoever and this is super deceiving and disappointing from such a reputed organization. I feel if their basic systems can't keep up with customers ' needs, especially during such critical times they should have blackout dates to apply for a card or be flexible with their introductory policy. With the amount of time I have spent on calls and the deals of things I wanted I have lost this has taken a toll on my mental peace and I am feeling extremely anxious and sad.
Product: Bank account or service

I had an old account with firth third bank back in XX/XX/XXXX. I paid the overdraft fee at the branch. to date this this information is still showing up in my check systems history. theyare reporting the account as inaccurate. ive given the documentation of payemetn ( XXXX ) separate times. It is still on my report as of today XXXX XXXX. Im extremely furious and I wont them to be geld accountable for this inaccuracy, and remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, GA XXXX Collecon : XXXX XXXX XXXX Experian Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX
Product: Checking or savings account

OVER CHARGING CHECKING ACCOUNT THAT WAS NEVER USED. FOUR ( 4 ) SENIOR VP 'S WHERE ALL TOLD TO CLOSE THIS CHECKING ACCT & TO DEPOSIT EMPLOYEE BENEFIT FUNDS INTO A XXXX ACCOUNT NOT A CHECKING ACCOUNT THAT EMPLOYEE BENEFIT DEPARTMENT TOLD ME TO OPEN. I HAD JUST HAD XXXX XXXX & OVER XXXX XXXX. MY CHURCH WAS HANDLING EVERYTHING BECAUSE I WAS TO ILL. 
I TOLD ATTORNEY & EVERYONE THIS BUT THEY HAVE CONTINUED HARASSING ME.. {$1200.00} OF BANK FEES IS STEALUNG. TRUSTMARK ATTORNEY ISSUED WRIT IF GARNISHMENT ON MY PART-TIME NON PROFIT JOB LAST MONTHFI FOR THIS. I HAVENT BEEN ABLE TO PAY MY RENT, GROCERIES & MY MEDICATION SINCE. THIS IS HARASSMENT ON A VULNERABLE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I called and informed them I did not authorize Wells Fargo Bank to do a hard inquiry on mu acct. XXXXXXXX XXXX XXXX XXXX has since closed, and they could not verify. They refused to remove. I advised them, I would file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, Over a year ago I was informed by XXXX XXXX and other credit agencies that Equifax has a Red Flag on me. I called Equifax and I was told that there isn't one, and then again same problem now, I was again informed by XXXX that they wouldn't provide Equifax information because Equifax has a Red Flag on me. So basically I have been boycotted by Credit Agencies because everybody think I am wanted person, or committed a crime. 
Their slander, and inaccurate information wasn't reported to me, or never notified of any discrepancies. Equifax decided without any bases to slander me, and destroy my credibility and have refused to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX and the rep, XXXX told me over the phone that I do not have any late days past 30 days from the XXXX statement. He advised me that the longest I've ever been is 8 days. I asked for him or a Supervisor to remove the late fee, which he did but he can't remove the 30 days past due, even though there isn't one. This is strongly affecting my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. XXXX XXXX XXXX XXXX. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I have already tried to remedy this situation ; therefore, I am currently pending litigation seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the aforementioned accounts.
Product: Credit card

I was advised to submit a ftc report and submit it here for removal of inquiries.
Product: Checking or savings account

There was a {$20.00} charge on my Citizens Business checking account on XX/XX/. My account balance was {$0.00} for a long time. So I did not monitor this checking account everyday. Citizens bank let this overdraft went through and kept generating fees every few days. My XXXX XXXX XXXX daughter was XXXX  for the past two months. So I did not find this problem on time until XX/XX/XXXX  and I transferred {$20.00} immediately to the account. To my knowledge, for a checking account, if the owner did not enroll in overdraft protection, any charges above the account balance should be declined. I never enroll in overdraft protection, yet Citizens bank allowed the charge went through and kept generating fees again and again for the same draft. There were altogether four charges totaling {$120.00} as the overdraft fees. This is crazy! I called customer service and only {$65.00} were reimbursed. Please refund the other {$60.00} charges.
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 15 USC 1681. 


DEPT OF EDXXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX, XXXX XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX # 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

After documents requested, documented provided partially, with change of management company rapidly at end of XXXX 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting association records for the inspection.

Please provide me following records for Current & Two Prior Years : 1. Financial Records financial documents required by Civil Code 5300 ( budget, reserves, lien policies, insurance, financial statements, etc. ) ; interim financial statements, including ( i ) balance sheet, ( ii ) income and expense statement, ( iii ) budget comparison, and ( iv ) general ledger ; salaries paid to employees, vendors, or contractors ( except as provided by attorney-client privilege ) which shall be set forth by job classification or title, not by the employee 's name, social security number, or other personal information ; state and federal tax returns ; reserve account balances and payments from reserves ; and invoices, receipts, canceled checks, purchase orders approved by the association, credit card statements for credit cards issued in the name of the association, statements for services rendered, and reimbursement requests submitted to the association ( XXXX. Code XXXX ( b ) ). 
XXXX. Governing Documents CC & Rs, articles of incorporation, bylaws, condominium plan, operating rules, election rules, etc. ( XXXX. Code XXXX ) ; and schedule of monetary penalties used in rules enforcement. 
XXXX. Contracts ( Executed Contracts, Third-Party Formation, Member Review of Bids, Law Firm Fee Agreements, Labor Union Contracts , Employment Agreements/Contracts.

4. Minutes ( board, committee and membership meeting agendas and minutes, except for XXXX session minutes ) XXXX. Election Materials ( Election rules, election records ) 6. Miscellaneous insurance policies architectural plans escrow documents ( required by Civil Code 4525 between buyer and seller such as governing documents, assessments, violation notices ( the general membership does not have the right to other members ' violation notices ), construction defects, etc. ) membership lists Electronic Records. Members who request records have the option of receiving them in electronic form if the records can be transmitted in a redacted format that does not allow the records to be altered. ( XXXX XXXX XXXX XXXX  h ). ) Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXXXXXX XXXX Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account Number : 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 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 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

Since my XX/XX/2020 complaint, there has been NO correction to my late payment of account # XXXX, although I have file more disputes. This account XXXX XXXX XXXX is a consolidated IDR/IBR under DLSTFD loan program reducing financial hardship, allowing me to make one payment for my student loans. All 3 Credit Bureaus Transunion, XXXX and XXXX are reporting each loans outside of the consolidation account # XXXX XXXX XXXX, as an individual, reporting 18 times late payment, under XXXX XXXX, .account. This 18 reporting late payments are inaccurate reporting, under the DLSTFD loan program, consolidated loans reduce hardship by assigning a account number XXXX XXXX XXXX. This DLSTFD loan program allow me to make 1 payment for all my student loans. Please investigate and remove from report.
Product: Vehicle loan or lease

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Acct # XXXX Make of car : XXXX XXXX XXXXl : XXXX To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions. 

This vehicle was repossessed by XXXX Account Services in the State of Ohio on or about, XX/XX/XXXX and resold on or about XX/XX/XXXX Under the laws of the State of Ohio in where the car was repossessed ) UCC 1309 and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies. 

Sincerely, XXXX XXXX
Product: Mortgage

After discussing looking into getting a mortgage with a lender, New American Funding, I filled out an online portal. I was under the impression, from a phone conversation, that for " preapproval '' all that would be necessary was a soft credit pull. The credit authorization I filled out specifically stated that they would " obtain information from my personal credit profile or other information from a consumer reporting agency solely to conduct a prequalification for credit. '' A hard credit pull was done. After calling to the lender to complain I was told that this document allowed for them to make a hard credit pull. 

Considering this was to be used exclusively for prequalification and that our loan XXXX assured us that only a soft pull would be done for preapproval, I feel that this company is misleading the public.
Product: Mortgage

I am filing a complaint on SPS because they refused to give me a modification package when I asked for one. They recommended that I go through the Georgia home safe program. When I tried to go through that program they told the company to harass me. They told the company to tell me that they did not get me and my daughter check stubs when they were sent 3 times I want SPS to stop all future foreclosure sale dates until I get a loan modification package from their company.
Product: Mortgage

On XXXX XXXX I applied for a home-equity line of credit with Huntington bank. They did one hard inquiry on my XXXX score which was expected but the next day XXXX XXXX they did another one I asked the guy why and he said he had no idea why it pulled twice and was not helpful at all with trying to figure out why. then again XXXX XXXX they pulled it again without my permission and they did not tell me that they were going to do that. if I knew that they were going to pull my credit three times I wouldve never gotten the credit line in the first place. The loan officer from Huntington did not seem to care. I called XXXX and they said Huntington needed to send over some form stating that they didnt mean to pull it that many times I told Huntington about it and the loan officer said that he doesnt know what Im talking about and never had to do that before and that hard inquiries arent a big deal. This isnt right and I just want the 2 removed. Like I said one was expected but two additional ones without my permission is not right.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is has been several times in an attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card or prepaid card

What Happened? 
On XX/XX/2022 XXXX Bank reported to the XXXX XXXX XXXX that this account was delinquent and that dishonest payments had been made. With no warning or inquiry, they closed the account, reported dishonored payments to the credit Bureaus, eventually leading to a XXXX reduction in my XXXX score. 
How did this happen? My Bank XXXX merged with XXXX XXXX effective XX/XX/2022. In early XXXX I had set up external XXXX Bank connections on my online XXXX portal. XXXX of these accounts were with XXXX XXXX, as I had entered the routing and account numbers as indicated on my checks. When XXXX presented XXXX payment requests to XXXX XXXX, they were rejected by XXXX XXXX.