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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX 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 XXXXXXXX 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 adverse items of information, other than records of convictions of crime 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, credit repair services, or other personal consumer reports

Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent XXXX XX/XX/XXXX an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??
Product: Checking or savings account

I used to have a XXXX checking account from XXXX onwards. I left us in XXXX and in a few years time, my account with XXXX $ in it was gone. My social security no is XXXX. I contacted them and they said they have no record of the account. I have a cheque book from them to prove it. 

Thanks XXXX
Product: Debt collection

CONTACTED DYCK ON LAST MONTH ACCOUNT THAT HAS BEEN PLACED ON MY CREDIT REPORT IN ERROR ... .ACCOUNT WAS PLACED UNDER CHAPTER XXXX ON XX/XX/16 AND THEY ARE CALLING TO COLLECT ON ACCOUNT IN WHICH IS AGAINST THE LAW ... I INFORMED THEM TO SEND WRITTEN NOTIFACTION OF DEBT AND THEY HAVE YET TO SEND ANYTHING AND WILL NOT REMOVE OFF OF MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

My credit status is verified which showed me some that were not done which were the following capital one a debts {$470.00} that the account opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account on XX/XX/2022 and within one day was unable to login. I was told " Your user ID or password is not recognized. Please try again. '' So I tried to reset password and Forget userID but both methods told me " One or more pieces of information entered does not match our records. Please try again. '' after I entered my information ( SSN and name ). 
I tried to register another userID using the same information and was finally able to login to the online account. But this is not the end of story. 

I found I was not able to withdraw or deposit money to my account, and less than a week from I opened my account, I recieved a letter in my mail telling me the account has been closed on XX/XX/2022, yes, the same day I opened it! 

However, I have been able to login my online account ( using the new userID of course ) and see my account number and recieving statement emails all the time. But I was not able to transfer any money from my account. I tried XXXX but told me I have to have an account open to use XXXX. 

The biggest XXXX is that I find today I have been charged monthly fees every month. The initial deposit of {$50.00} has been all the way charged and now my balance is even below XXXX.
Product: Credit card or prepaid card

I am XXXX and have depended on this card to receive my goverment monthly benefits for almost 10 years now. My account was hacked on or about XX/XX/2019 and account was closed on or about XX/XX/XXXX totally unbeknownst to me and also ( 1 ) day  before goverment funds were due to arrive. After almost 10years one would think some kind of leeway would suffice the sudden  without notice closure of account to a XXXX indiviidual non the least. Additionally, after account was closed on XX/XX/2019 XXXX, I was unable to get in touch with any company rep by email, phone or otherwise due to no longer being member. A [ POBox ] address was only alternative offered to respond to hacking of my account. I am totally disappointed with American Express and its sub " Bluebird Services ''. Please Help Thank You. 
.
Product: Credit reporting or other personal consumer reports

I was disheartened to find unauthorized inquiries on my credit report this morning, completely out of the blue. I double-checked by refreshing the browser, hoping it was just a glitch, but the discrepancies remained. I am incredibly frustrated and request a thorough review of the documents I've provided to resolve this issue once and for all, so I can stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to resolve their error, an account that has been settled and is now over XXXX XXXX XXXX and has been removes by other credit bureaus remains on my Experian report. Per the Fair Credit Reporting Act this is unjust. Experian has failed to remove it despite my attempt using their dispute process twice, most recently in XX/XX/2022. Dispute report number XXXX. Why are credit bureaus so protected when they dont follow law and procedure? It affects peoples livelihoods.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Information Due to Data Breach Dear XXXX, I am writing to formally dispute certain information on my credit report due to a potential impact from the data breach that occurred in XXXX. I believe that my personal information, including but not limited to my Social Security number, date of birth, and financial data, XXXX have been compromised during this breach. The following accounts are a result of my information being impacted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My Details : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Social Security Number ( if relevant ) : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX request that XXXX thoroughly investigate any discrepancies or fraudulent activity on my credit report that may have resulted from this breach. Please include a detailed explanation of any inquiries or accounts that were opened using my information without my authorization.

Additionally, I ask that you provide me with the following : A copy of my credit report showing any inaccurate or potentially fraudulent entries related to the data breach. 
A description of the actions XXXX has taken to prevent future incidents of identity theft or fraudulent use of my personal data. 
Confirmation that my personal data has been protected and steps taken to ensure that no further damage occurs. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX complete its investigation and provide me with a resolution within 30 days from the receipt of this letter. Please send all correspondence to the address listed above, or feel free to contact me via phone or email if further information is required. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Consumer Loan

I had a car loan with First Niagara. The loan was on autopay, which I cancelled when I moved bank accounts to consolidate with my fiancee. KeyBank acquired First Niagara, then withdrew the loan payment off the autopay ( despite it having been cancelled ) because their system did n't recognize it. I got an overdraft fee, which the bank refuses to pay. 
I then paid off the entire loan, however their system did n't include the already made payment, leaving an overpayment. The title was sent to an address I have n't lived at in years and had been changed, then check was sent to another old address I do n't live at and have n't in some time. I called to get a new check, the person helping promised it would be sent. It never was. I called again, the new person said the last just never did it, and then they promised to have it sent 2 day delivery. Two weeks later, I received a notice that I need to fill out a notarized form cancelling the first check. Hiring a notary in XXXX costs $ XXXX- {$50.00}. They wo n't pay for that ( despite this being their error ... again ... and again ). This is not a huge sum of money, but every single person I 've spoken to has lied to me. They told me a check was coming, it was n't. I only got the car title back because a person somehow found me on facebook to let me know they 'd gotten it. 
I am going through their process and will do this form, and pay the notary and send it in. I hope this time they 'll send a new check. Since they 've lied to me 5 of the last 5 times, I 'm not optimistic and am shocked and infuriated at how this has been handled. It all stems from their IT systems not integrating and I have done absolutely nothing wrong but still get stuck with fees for their incompetence.
Product: Bank account or service

Paypal will not release my funds since XXXX/XXXX/15, withholding for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC ''. XXXX XXXX, acct # XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. My contact number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how XXXX and Experian 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My real estate property tax was not paid by either mortgage company, Specialize Loan Services ( OLD Acct # XXXX ) or XXXX XXXX XXXX ( NEW Acct. # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XXXX XXXX XXXX XXXX, 2016. 
My mortgage was transferred XXXX XXXX, 2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to XXXX XXXX XXXX. Neither mortgage company paid the property taxes. My last Specialize Loan Svcs annual escrow statement shows a payment of {$410.00} paid out but to whom? 
Specialize Loan Service or XXXX XXXX XXXX has to pay the taxes out of the escrow. The mortgage payments I made included the Property tax payments already. Where did that money go? 
I called Specialize Services Tax Dept. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. 
I called XXXX XXXX XXXX and was told to call Specialize Services. I am given the run around. 
Please make them pay my NYS Property tax. I already paid through mortgage payments. 
Specialize Loan Svcs ( old Acct # XXXX ) TRANSFERED TO XXXX XXXX XXXX ( New Acct # XXXX ).
Product: Debt collection

This was XXXX. Never spoke to them. 
Hi, it's XXXX with structured settlement. I see that you haven't returned my message. After speaking to you, it really sounded like you wanted to take care of this on a voluntary basis Since that is not happened I need to submit my final recommendation on your file today as a last resort I just wanted to reach out to you before this escalates to a more serious problem. Please call me back at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you in advance This is an attempt to collect a debt and any information obtained will be used for that purpose And then I called number back and agent got very nasty and didnt even state He was on recorded line. He told me he could do whatever he wanted to do. Then I hung up and He called me back harassing me again and I told him to put me on DNC and He still continues his rudeness. They violated my rights and need to be held accountable for their actions. TCPA and FDCPA have both taken place. I have other VMs if needed from this company.
Product: Checking or savings account

i reported fraud XX/XX/XXXX as well as recently in XXXX and XX/XX/XXXX. I have just recently discovered that i am a victim of identity fraud/impersonation/theft as well as a victim of sim swapping/hijacking on all accounts pertaining to myself online and offline even my mail. i have reported it to the sheriff and police. i have went in to wells fargo various times inquiring about checks being cashed and missing transactions, statements ewithdrawals, edeposits, international transfers, check cards, online bill pay, online statements, spending reports, my name not being correct, why the states have xhanged and are different, why myaddress was changed, signaturea to who has power of my account since im not the primary when i have never given anyone permissionto be on my account etc in which they have gaslighted me about all of thisand have not allowed me to close my account in the past which i tried to many times last year and this year to do so as well as refused to answer my questions and not printing out the fraud reports that i have already made prior to going in as well as recently. in which the suspicious copy pasted statements they wells fargo printed me are missing dates transactions etc resulting in them having suspicious behaviour to a point as when i went to show proper documentation of the fraudelent activity for XXXX plus years that has been going on without my knowledge XXXX banker lunged and grabbed the paperwork and wouldnt let go, they had me close my late mates account after XXXX years in XXXX XXXX which doesnt make sense because i tried to close it when he died prior to all of this in XX/XX/XXXX XX/XX/XXXX and they wouldnt let me and even now they still wont give me answers. then they decided to forciably close my account and denied my own access to get into my own accounts weeks before they decided to closed it. to which they are hiding something because the statements they gave to me are not mine or accurate. which has resulted is financial problems directly relating to my accounts that were on autopay. to where this is causing severe mental anguish.
Product: Debt collection

I keep getting these phone calls of a payday loan i supposedly got many years ago. at first last year in 2015 i recieved XXXX and paid it because i know back in the time it was supposedly done i did do a few payday loans and might have forgotten XXXX and so i paid it to the collection agensy now in last couple of days i am recieving phone calls daily from XXXX using phone numbersXXXX and XXXX trying to make the same claim as last year which i paid ( now i 'm thinking i have been scammed ). either way they threatn with legal action and court for something that i paid for last year.
Product: Debt collection

XX/XX/XXXX, I received notification from XXXX XXXX XXXX XXXX XXXX in attempt to collect a debt ( original creditor : XXXX  XXXX XXXX  XXXX. ) in the amount of {$1300.00}. I called XXXX XXXX XXXX to address this issue as well as to offer a settlement. I provided the Male Representative with a settlement offer in the amount of {$800.00} dollars, the Representative declined my offer and he stated that he would take {$990.00}. I told the Representative I do not have that much money and I would have to call back. 

On XX/XX/XXXX, I received legal communication from various attorneys ' office regarding a lawsuit being filed against me by LVNV Funding LLC ( collection agency ). I never received any telephone calls or notification about this matter. Nor did XXXX XXXX XXXX contact me in attempt to collect this debt. 

I would like to settle this debt in the amount of {$660.00} dollars. I will make a payment in this amount ( {$660.00} ) to close this account immediately. Thank you for your time and consideration. 

With gratitude, Debt Owner
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Reference number XXXX, XX/XX/2019. You stated this account was 100 % accurate. This account isn't reporting accurate and shouldn't be on my credit profile. the dates opened and showing two different dates. this account is also not reporting on one of the credit profiles but is reporting on yours which is incorrect. this information isn't accurate and only accurate information should be reporting based on the law. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

This debt is not mine, I have no idea who this belongs to. I 've tried communicating this to the collection agency, however after recently pulling my credit report it is still showing on my report and I would like this removed, I have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX Date Opened : XX/XX/2020 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


8. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.. 


10. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


12. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


13. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


14. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


15. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS CLLCTIONSUSA Account Number : XXXX Delete this account. 


16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card or prepaid card

On XXXX someone opened an account fraudulent with capital one, with my information. XXXX the account was closed, leaving me with a {$240.00} high balance and several adverse accounts in my credit report. My family and I are unable to live in a nice home as none of the better realty services will allow my poor credit. I currently live in a bad neighborhood as it was the best my credit would allow although my family is well able to afford better housing. I want better for my family but can not move forward until something is done. However capital one alone has a estimated date of removal pegged at XXXX.