23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My social security number was stolen in late XXXX / early XXXX of 2015. I filed a police report immediately after being notified by a credit monitoring service ( XXXX XXXX XXXX ). Of the XXXX credit reporting agencies, only Equifax continues to claim the inquiries are " factual ''. XXXX and XXXX do not reflect the fraudulent inquiries. I filed a fraud report and even faxed in a follow-up document to Equifax , listing the fradulent inquiries. I will again contact all of the companies that ran inquiries with my social security number and ask them to report to Equifax the fact that these were not performed by me. I believe Equifax should be investigated over similar matters like this. 

Recently, I list these inquires as fraudulent on the Equifax dispute website. Equifax quickly respond by annotating the inquiries are " factual ''. The identify theft happened over a year ago, and these inquiries remain on my Equifax credit report. Please look into Equifax 's business practices with regards to closing investigations as " factual '', when they clearly are not. Of the XXXX credit bureaus, I do not believe they are adequately investigating consumer-requested corrections to reports. If they had, it would be obvious that these inquiries were not made by me. 
Respectfully, XXXX XXXX
Product: Student loan

Navient keep charging me late fee 's in the amount of & XXXX for a loan that is in " In School Deferment '' Ive called the Navient customer service line several times and every rep tells me they do not know why Im getting charged late fee 's and will transfer the report to their back office. Its been several months from my initial call and nothing has changed. In the meantime nothing is happening and I keep getting charged late fee 's
Product: Credit reporting or other personal consumer reports

there are XXXX hard inquiries on my report that i did not authorize for credit cards and a car lot
Product: Credit reporting

While living in North Carolina around XX/XX/2011 I considered filing for bankruptcy. I sent for the paperwork and submitted it and then was told the information was incomplete and could not go further. At the same time I received a good job offer and decided not to pursue the bankruptcy any further. I thought the matter was closed when upon review of my credit report, I find that the bankruptcy was listed as dismissed. On 3 different occasions I wrote to all XXXX reporting bureaus asking that this be removed. I did so using certified mail and each time the response was the same, they ca n't do anything about it and so it has to stay on. I have gone to great lengths to rebuild my credit since XX/XX/2011 and returning to the work force yet this error keeps hanging over my head. 

Please have it removed from all credit reports. Thank you.
Product: Debt collection

According to XXXXXXXX XXXX XXXX XXXX XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY.This account violates these laws : 15 USC 16811, 15 USC 1681s2. 15 USC 168115, 15 USC 168leb. Delete ACCOUNT ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting so many email alerts from the Experian credit company that I tried logging into my account on XXXX at about XXXX. When I did, the website showed me an incredibly long document that represented their new and improved contract for using their site. In it, it said if I would not comply with its terms, to call XXXX. That number goes to an automated system with very few options and none lead to a customer service representative. I tried every option, so I know. The one option for cancelling the service simply dumps me back into the beginning where it asks for my ss # and address. It happens every time -- I tried three times. There is no way to cancel my account, or to stop them from harassing me with emails. Can you please help!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I figured out that I have a mistake in my report. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report. Please I kindly ask you to take appropriate actions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX ] XXXX number XXXX XX/XX/year> [ Discover ] XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX Subject : Dispute of Unauthorized Disclosure of Personal Information under 15 USC 6802 To Whom It May Concern, I am writing to dispute the unauthorized disclosure of my personal information by your company, which I believe violates the XXXX XXXX specifically 15 USC 6802.

Under 15 USC 6802, a financial institution must provide notice to consumers about its privacy policies and practices, and consumers must be given the right to opt out of the sharing of their nonpublic personal information with nonaffiliated third parties. I did not receive any such notice from your company, nor did I provide consent for my personal information to be shared. 

It has come to my attention that my personal information was disclosed to [ Name of Third Party ] without my authorization. This unauthorized disclosure is a clear violation of my privacy rights under 15 USC 6802. 

I request that you immediately cease any further unauthorized disclosures of my personal information and provide a detailed explanation of how this breach occurred. Additionally, please confirm in writing that my personal information has been removed from any unauthorized databases and that you have implemented measures to prevent such occurrences in the future. 

Thank you for your prompt attention to this matter. If you require any further information from me, please contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Synchrony bank poor data management leads to inaccurate information in account data, resulting in late fees in regards to auto pay practices. They claim consumer entered the wrong bank information, account or routing number and charge late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Debt collection

I've been trying to resolve this issue with this company and it has been 3 months now and they are not taking this matter seriously. I contacted them about validation of debt and when they provided it, it proved based on laws in the state of Washington that there debt is illegal. 

Based on the documentation it affirms my move out date of XX/XX/XXXX and this would mean based on the law that 21 days later the final move out the landlord must provide the statement as to the disposition of the deposit along with any charges. 


My previous offer is rescinded and I am now fully disputing this entire collection balance. 

This is in regard to our phone conversation regarding the itemized statement you provided in reference to the debt assigned to you by XXXX XXXX. 

As mentioned, the packet of documents you sent over had several addendums and revisions to the final move out report and deposit worksheets that have been presented to us since our move out XX/XX/XXXX. Specifically, the final revision the following line items dated after the 21 days XXXX XXXX had as prescribed by XXXX XXXX which states ( 1 ) ( a ) Within 21 days after the termination of the rental agreement and vacation of the premises or, if the tenant abandons the premises as defined in XXXX XXXX, within 21 days after the landlord learns of the abandonment, the landlord shall give a full and specific statement of the basis for retaining any of the deposit, and any documentation required by ( b ) of this subsection, together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. 

Note : 21 days was increased to 30 days as of XX/XX/XXXX but that does not apply to this case. 

XXXX XXXX failed to meet this requirement in order to have a legal claim to collect on my security deposit as they did not provide any documentation dated within those 21 days. The documentation provided is postmarked and dated well after the 21 days. 

In addition, there are several deposit worksheets and Move out reports that are conflicting. An examination of the itemization reveals that there was a charge of {$780.00} added on XX/XX/XXXX described as Replace a broken window which is a full 6 months after my move out statement. That is completely unreasonable, unacceptable, and rejected. I feel well within my legal rights to reject any of the line items after XX/XX/XXXX.
Product: Checking or savings account

I received a letter dated XX/XX/2019, from Chase bank, stated that they are ending the relationship with me. They didn't provide any details which leads them to close my accounts. I recently started a new business and my spending pattern got changed. It was really a tough time when my accounts were closed being a new business owner. They closed our 4 credit cards, personal checking, business checking, brokerage and retirement accounts. I would like Chase to explain why they closed my accounts?
Product: Debt collection

You do n't really have a category for what my complaint is. I have a payment arrangement with a debt collector and have been paying what I said I could since XX/XX/2016. Since XX/XX/XXXX things in my home/personal life have changed and I have not been able to come up with the full amount and asked for a new arrangement until tax time when I hope to pay off the balance due. I want to continue paying something but they 're not willing to work with me. My account manager with an attitude let me do a lower payment in XX/XX/XXXX and XX/XX/XXXX but told me she wo n't do it again. I find her to have an attitude and I just do n't like her. The guy ( XXXX XXXX? ) who I had originally set up the arrangement with and that is his job from what I understand since his voice mail states that that 's what he does keeps transferring me to her even when I state that I want to talk to him. I 'm stuck and frustrated and not sure if you guys can help me but I thought I would give it a try.
Product: Debt collection

Wayfair Is the company I paid it through a settlement wayfair is run by committee bank I have tried for 3 and a 1/2 months to get this corrected on my credit report and they have not corrected it
Product: Mortgage

I signed and executed a modification agreement. During the modification agreement term, my mortgage servicer changed ( XXXX XXXX. to Caliber Mort. The new mortgage servicer ( Caliber Mort. ) took an amount that was to be put on the back end of my mortgage as a current obligation. When I advised of the prior servicers agreement ( XXXX XXXX. ), the new servicer ( Caliber Mort. ) refused to remove the amount as a current obligation and return it to the back end of the mortgage. The new mortgage servicer ( Caliber Mort. ) kept the amount as a current obligation incuring late charges and then sought to foreclose on my property.
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. 

The following creditors have violated my rights. 

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 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 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 or prepaid card

On XX/XX/2023 I noticed a pending charge on my Amex credit card for the amount of {$60.00}. I disputed this charge with American Express as it posted several days later. American Express eventually closed the dispute without resolution. They said the card was used in person with no other details given. The charge was processed through a payment processing company called XXXX, and the name of the company accepting credit is a XXXX company called XXXX XXXX XXXX. 
I re-opened the dispute and have waited another 2 months for a resolution. The last 2 times I called Amex I was on the phone an hour each time, but the reps eventually hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, XXXX and Experian. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. 
-Sent dispute letters XX/XX/XXXX and still have errors on my report. 

15 USC 1666b late payments from open ended credit plans cant be reported. 
-Dispute was to remove the late payment which wasn't late but still have not fixed it. 

15 USC 1681 ( B ) must have written permission to furnish on my behalf. 
-Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages.

-Have n't been able to purchase a house due to error on my consumer report. 

15 USC 1681 ( a ) ( 4 ) right to privacy.

-Did not give consent to repost items to consumer report.

15 USC 1681 ( b ) must follow reasonable procedures. 
-Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 

15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. 
-Items was reported that i used my social to obtain. 

15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a letter along with a police report and ftc identity theft report stating that I recently pulled my credit and noticed it was accounts that I did not open or authorize anybody to open up which would make me an identity theft victim, XXXX only deleted XXXX account " XXXX XXXX '' and left the other XXXX along with the inquiries that I did not authorize either. The accounts XXXX left are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX and XXXX inquiries ( see attachment ). Equifax deleted XXXX accounts " XXXX XXXX  XXXX and XXXX XXXX '' but left XXXX which was XXXX XXXX XXXX XXXX ( see attachment ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the inadequate costumer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2023, a fraudulent charge was made at a grocery store. Immediately following the charge, I filed a dispute. The dispute was denied as claiming that my debit card was used. I however have never made the {$340.00} purchase and I always had the debit card in my possession.
Product: Checking or savings account

I am filing this complaint against Bank of America regarding their decision to place a hold on my check deposit from the United States Treasury Department, which is in violation of federal and state laws. 

On XX/XX/2023, I deposited a check from the United States Treasury Department in the amount of {$15000.00}, which represents my federal tax return money. Under federal law, banks are required to make funds available for withdrawal by the next business day following the day of deposit, as set forth in 12 C.F.R. 229.10 ( c ) ( 1 ). Additionally, under state law, banks must make funds available in a timely manner and can not impose an unreasonable hold on deposited funds. 

Despite these legal requirements, Bank of America has chosen to place a hold on my deposit for a period of ten days, causing me significant financial hardship and placing me in a difficult financial situation. The funds in question are my tax refund, which Im entitled to receive promptly and without unnecessary delay. Moreover, the amount of the check is not an exceptional amount that would justify a hold, as confirmed by legal professionals. 

I have already contacted Bank of America regarding this matter, but they have refused to release the hold on my deposit. I demand that Bank of America immediately release the hold on my deposit and expedite the transfer of the funds into my account as required by law. 

I request that the Consumer Financial Protection Bureau take appropriate action to investigate Bank of America 's violation of federal and state laws. I also request that the Consumer Financial Protection Bureau direct Bank of America to release the hold on my deposit and expedite the transfer of the funds into my account as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed copies of my ( Equifax, Experian and TransUnion ) consumer reports and noticed that XXXX XXXX XXXX XXXX is reporting a charge off for the following account ( XXXX ) on the following date ( XXXX ) : Account # XXXX with a balance of {$580.00} reported / last reported XX/XX/year> A charge off is considered a certificate of indebtedness which means it is income and must be removed. Per the IRS charge offs are considered income and the reporting of this account is prohibited. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT and thus MUST BE REMOVED. Also, I request they forward me a copy of the XXXX that they are required to file with the IRS so i may prepare my tax and report the discharged by their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX - XXXX XXXX 
has violate my right. 
15 U.S.C 1681 section 602a. state 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Debt collection

monday XX/XX/XXXX, a representative from FCC finance contacted my husband claiming to be XXXX XXXX. The called ID identified the phone number as our local pharmacy. 

Thursday XX/XX/XXXX, the same representative contacted my cell phone claiming to be XXXX XXXX from a local town. 

This mans true name is XXXX and he is calling from XXXX   XXXX in Texas. XXXX. He continues to spoof his number and uses deceptive practices to falsely identify himself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute in regards to the incorrect items on my credit report and it has been over 30days and i have not received any investigation results.
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 XXXX, Account name : VEROS CREDIT XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 FILE 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 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

My Early Warning reports shows that there is a balance on a closed XXXX  account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a XXXX  Driver 's license. I have a XXXX  license
Product: Payday loan, title loan, or personal loan

I got a letter on XX/XX/22 saying I have a unpaid loan balance of XXXX and have a payment amount of XXXX from 1st Franklin Financial and I have not taken ANY loans with anyone and have never even contacted this company, I do not owe this money and dont know why Im getting this letter, it has to be fraudulent.