23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 i paid off my XXXX XXXX loan. I received the escrow for the loan. In the contract written by money lion it says i will be able to cancel my membership after paying off the loan. Money lion has prevented me from canceling my membership. Not only has money lion prevented me from canceling my membership i have been charged a weekly membership fee and fraudulent reports have been filed on my credit report. I submitted documents showing i paid off the loan in XX/XX/2020 but every time i call the customer service number they tell me to wait longer. it has been well over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or prepaid card

Just received notice ( attached ) that Chase is changing the interest rate terms on my card I have had since 2015. Changing from 7.99 % to 12.99 % APR ; a 62.5 % increase. I called Chase and they said this was happening to better align my terms with what is currently offered. I responded, if I wanted terms currently offered I would apply for a new card. 

My choice is to close this to accept the new terms or close my account. Closing my account will negatively affect my credit ; as my credit history length will be reduced ( I have has this card for 12+ years, longer than the average account on my report. 

I was given no other option, Take it or leave it
Product: Debt collection

A letter dated XX/XX/XXXX from XXXX  of Ohio, stating that I owe them an alleged debt for {$3800.00}. The Original Creditor was PNC Bank, who previously charged off the alleged debt. I have no contract XXXX of Ohio. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. Under my name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX of Ohio and PNC Bank, about me is in direct violation of my privacy per the Privacy Act of XXXX
Product: Mortgage

I, XXXX XXXX submit this complaint against U.S. Bank N.A. for wrongful foreclosure on my mother XXXX  XXXX XXXX . I had unsuccessfully attempted to pay the unpaid mortgage payments and set up an automatic draft payment. I was wrongfully denied. After I was denied the opportunity to cure the loan. I made a written qualifying request to U.S. Bank CEO by certified mail after four weeks I have yet to receive any response from this bank. My mother XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/2020 this brought on a great deal of emotional stress and XXXX for my family and me. Now! Dealing with this wrongful foreclosure without any remorse from the bank has made this struggle unjustifiable. Being a senior myself, this unnecessary fight has taken a toll on both my mental and physical assessment of my body. The bank attorney-in-fact informed me to get a bondI took his advice after receiving my bond I filed it with the XXXX County Court Division , as well as submitted a copy to U.S. Bank. I was discriminated against for attempting to save my mothers estate. U.S. Bank failed to allow me the opportunity to cure the loan. I believe I was abused due to my age after several attempts to fix the loan thats when I realized I just became a victim of Elder Abuse for Financial.
Product: Credit card or prepaid card

Synchrony Bank is ignoring copies of payment documentation validating the correct balances owed.

There is a Balance Dispute with Synchrony Bank regarding two ( 2 ) accounts : XXXX and XXXX Card. Payments have not been appropriately applied to account. XXXX Credit limit is {$1000.00} ; limit was never increased or decreased. My payments total {$1400.00}. Account is PAID IN FULL, and no 'Easy Pay ' payments are owed ; QVC has confirmed this. Yet Synchrony Bank continues to bill {$1000.00}. As of XX/XX/2020 an alleged investigation was initiated by the Synchrony Bank 's corporate office, yet, I don't believe it, and Synchrony Bank has reported my account to the credit bureau ( s ) as DELINQUENT, causing my credit score to decrease 86 points. So egregious! You'd think they'd at least wait until AFTER the concluded investigation. However, I've advised Synchrony there will be no further payments because the account is PAID IN FULL! 

The XXXX XXXX credit limit is {$800.00}. Limit never increased nor decreased. Payment History validates my total payment history to date as {$840.00} ; Balance currently owing is {$100.00}, yet Synchrony Bank 's records continue to state {$800.00} is owing. ABSOLUTELY OUTRAGEOUS!! Despite Synchrony 's error, they have reported my account to the credit bureau ( s ) as delinquent causing a drastic drop with my credit score.

I now believe Synchrony 's billing errors are fraudulent and an attempt to coerce customers to pay double for merchandise purchased with these cards.
Product: Credit card or prepaid card

Pending an ongoing investigation, Bank of America closed my Bank of America MasterCard that I have had in good standing since 1989! I was given NO notice regarding the closure of this account, and was told that the account would merely be 'frozen ' pending the investigation. The card had a CREDIT of {$19000.00} on it due to accidental overpayment on my part. The matter of my stolen funds by Bank of America bank employees is ongoing which I REPORTED, and once I reported the theft and fraud, my accounts were closed! I suspect the closures originated at the branch level by employees who stole my funds, which I reported in my original complaint. Automatic reporting has been done against me to the credit bureaus that is ruining my good credit that I will now have to resolve. This is an outrage and I require immediate assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 6 weeks now, with documented proof, Experian has been manipulating my credit score, showing the available credit from XXXX to XXXX back and forth repeatedly, dropping my credit score significantly, additionally they are mis representing my current credit score purposely in retaliation for me making complaints about incorrect information on my report, they continue to keep accounts on the report that have been proven as fraud, I had fraud protection with them when these accounts opened and they refuse to satisfy the contractual obligations in regards to the fraud, XXXX card, was opened via online portal using my information, I sent a police report and had fraud alert added on my file and they still attribute the account to me, they have no signature with my name and nothing proving the debt is mine XXXX. XXXX XXXX auto XXXX, I challenged this on my credit and my XXXX XXXX remained the same throughout the investigation, furthermore, I asked for the contract and received a copy of it with a signature that said " XXXX XXXX '' I have repeatedly denied this being my auto loan, as it belonged to an ex girlfriend, I did not sign a contract or agree to a contract yet it remains on my credit report. 
XXXX. XXXX credit card, I had I card that was secured which I paid XXXX dollars for to build credit, they lied and manipulated my credit score repeatedly, I paid the card off and never received my XXXX dollars back, I closed the account in XXXX and it still shows up on my credit report with late payments into XXXX, I brought the bureaus up to speed on this and they refused to make any changes, I challenge companies information and the records stayed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX  XXXX XXXX Balance Owed : {$1000.00}
Product: Debt collection

In XX/XX/year>, I settled my outstanding balance with XXXX XXXX. 

However, as of XX/XX/XXXX, it still appears as a collection item on my credit report. I reached out to XXXX XXXX and even initiated a dispute process. 

They confirmed that the account has been paid in full and should no longer be listed on my credit report. 

Additionally, I have received an email confirmation from XXXX XXXX regarding the resolution of this account.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit card or prepaid card

A credit card was opened in my mother 's name. She is XXXX and legally XXXX and XXXX. My mother did not open this credit card. None of these charges was signed by her because she has been unable to sign her name since 2015. The bank is unwilling to give me documentation of these transactions. These charges were not made by her and the person who signed for and made this transaction needs to be charged. This is elderly abuse and exploitation. I have spoken to XXXX XXXX the branch manager on numerous occasions and to much avail she has offered me no assistance and she has disregarded my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX XXXX  today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.
Product: Checking or savings account

My issue with Navy Federal is all of the untruths I have been told by this Institution last month. I was involved in a XXXX investigation and I understand that it was careless of me to share my account info with a company that I thought was Legit. However, I made requests that were not honored. I was told things that were not true. Then when I called to ask for these untruths to be rectified and to speak with a Supervisor. The Supervisor was loud, over talked me, and proceeded to hang up on me! How unprofessional is that? So I have currently lost $ XXXX $ XXXX {$340.00} to this bank when I was told I wouldn't. I have yet to receive a phone call to talk to somebody with compassion. All they can tell me is that they are sorry but refuse to go back and listen to the phone calls and honor my request. Thats all I ask. Honor my request as the customer. Tell me what is going to happen up front. Not after the fact and continue to be rude and unprofessional. Im a customer who trusted this bank with all of my income.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, with partial account # XXXX, These accounts are related to transactions and experiences that fall under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. These accounts are not related to any transactions authorized by me, the consumer as I did not give written instructions to your agency to report these, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report! 


I have contacted the Federal Trade Commission and filed a complaint ( # XXXX ), which is attached. Please block and remove all related information from my credit report and send me an updated copy. According to the law, the listed items are a result of unauthorized fraud. 

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provide

d all four pieces of required information and expect the accounts listed above to be deleted and blocked within four business days of your receipt of this notice. Failure to do so will constitute a violation of my rights under the FCRA. If you do not initiate an investigation and delete this information within four business days of receiving this notice, as mandated by 15 USC 1681c-2 under the
Fair Credit Reporting Act, I will pursue legal action to protect my credit rating and myself. Each violation of the FCRA permits damages of {$1000.00} if this matter goes to court. 
I have experienced significant emotional distress due to this issue and have recently felt suicidal. Therefore, I am compelled to escalate this matter and request a fair and equitable resolution.
Product: Bank account or service

Nationstar mortgage services on mortgages are condoning identity theft, invalid mortgage paperwork, not answering questions according to respa, and providing answers without investigating, not listening to the customer, honoring documents that are copies or were never signed, copies provided to the form me and saying there legal. So far nationstar mortgage has provided a invalid original note deed of assignment, deed of trust, a invalid deed of trust provided to them by XXXX XXXX XXXX on a closed remic and assigned 9 years after the closure date. Provided invalid loan modification that was never signed by all parties, invalid amended and restated note, invalid power of attorney, and is not looking at any paperwork provided at all. the sale of this mortgage to XXXX is n't valid due to the fact that hud has no record of this loan and the remic it is not valid at all. So any resolution provided by them condones identity theft as they have shown. And why are the constantly changing there answers they tell the government one story and supply us with a totally different one with out investigating
Product: Debt collection

This company have not contacted me about any debt or collection. I see that they are collecting for a apartment complex. I did not give this collection agency permission or authorization to put anything on my credit. Since i didn't get anything that verified i owe this debt i am asking for this collection to be return back to the original creditor so i can handle it with them. I am asking the collection agency to send me proof that i gave them consent to put this on my credit. I am asking the collection agency to show me a signed agreement that i have with them not the original creditor. Once again i am asking this collection agency to remove this collection off of my credit report and to give it back to the original creditor that gave them the debt. I am not working with a debtor who bought my debt. Once again i am asking the collection agency to show me a signed contract between me and the collection agency not me and the original creditor.
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted TRANSUNION to contacted them to inquire who provided to them information relating to a XXXX XXXX XXXX filed at XXXX XXXX XXXX XXXX XXXX on XX/XX/year> ( Docket XXXX ), and their " information provider '' is XXXX XXXX XXXX XXXX XXXX. I have never provided any " information provider '' express written consent to share my consumer nonpublic information with any entity, and I hereby opt out of the sharing my consumer nonpublic information by an " information provider, '' such as XXXX XXXX XXXX XXXX XXXX, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and 16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, TransUnion, XXXX, and XXXX XXXX XXXX XXXX XXXX. As of today, TransUnion continues to illegally report this XXXX record, without and against my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I am a XXXX XXXX of very advanced age : nearly XXXX  years of age, in fact! 
I live Exclusively on my monthly Social Security bank deposits.

My monthly Social Security bank deposits, unfortunately, do not always coincide with the due date on my Valley Bank credit card as I have so informed the Valley Bank! 
The Valley Bank, in an act of outrageously brutal cruelty charges me XXXX XXXX AND XXXX ( XXXX ) XXXX IN FEES THAT I CAN NOT AFFORD WITHOUT GIVING UP SOME OF MY VITAL MEDICINES! 
IN GOD 'S GOOD AND WISE NAME, THESE FEES MUST BE REMOVED AT ONCE! 
XXXX XXXX, " Justice, justice alone shall you pursue ''!