23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX Balance : {$1800.00} XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX is a fraudulent report that does not belong to me & I have no knowledge of this account. I'm demanding a Factual Reinvestigation providing me with all Signed Documents with my Wet Signature, methods used for factual reinvestigation, who performed the verification & the name of the person at XXXX XXXX that provided the factual information. I am also requesting the Full Internal Accounting History of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

The financial Institution is - Synchrony. They offer a Credit Card Service for Retailers.

They hold your account hostage, and misrepresent their Services.

Their website states that payments will take 48 hours to process, however I made a payment on XXXX XXXX, that I am told, will not clear the account until XXXX XX/XX/2022. Nine Days, and the money has been taken from my bank account. The Web Site reflects that the Payment is Complete.

There are Pending Transactions, that have completed, and their are Pending Transactions that they have declined.

I am enclosing a screen shot of my account to allow the agency to fully see my frustration.

I do not know what exactly they will or will not charge me.

Below is a screen shot of my account online - I have charges that have completed that are duplicate in the Pending Transactions, each time a charge is declined it is also in the Pending Transactions.

This Financial Institution is a Mess!

( From My Online Account ) Pending Transactions These transactions have not posted yet. Once they post, you'll see more details. 

Sort by : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$91.00} XX/XX/XXXX XXXX XXXX & XXXX {$2200.00} XX/XX/XXXX XXXX XXXX & XXXX {$2200.00} XX/XX/XXXX XXXX XXXX & XXXX {$6800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate correction of inaccurate information on my credit report. Specifically, I am referring to the payment history for my XXXX XXXX XXXX XXXX XXXX XXXXXXXX - account number XXXX, which inaccurately reflects a late payment for XX/XX/2021. 

As per the provisions of 15 USC 1681s-2 ( a ) ( 2 ) within the Fair Credit Reporting Act ( FCRA ), creditors are mandated to report accurate and complete information to credit reporting agencies. Additionally, in accordance with 15 USC 1666b, I am requesting that the payment history for XX/XX/2021 be updated to accurately reflect a positive and current payment status. 

To address this matter, I kindly request that you provide me with documented proof of the alleged late payment in XX/XX/2021. It is imperative that I have a clear understanding of the basis for this reporting discrepancy. 

I urge you to investigate this matter promptly and make the necessary updates to my credit report. Your assistance in ensuring the accuracy of my credit information is greatly appreciated. 

Please provide written confirmation once the correction has been made and the documentation of the late payment has been furnished. 

Thank you for your attention to this matter and your prompt resolution of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Pays my rent monthly, never skipped, and have all evidence at hand. Landlord reported in my transunion credit report that I owe and have past due amount. Dispute file, report did not change. Unable to submit evidence on TransUnion dispute platform. Landlord did something 5 to 6 years ago, took me to court and case could not proceed when their lawyer saw my evidence.
Product: Mortgage

I requested removal of PMI several months ago. I filled out the proper forms, had an appraisal and paid the difference while on the phone with the mortgage company to bring the LTV below the required percentage to remove the PMI. However, they have not removed it and continue to give me all kinds of excuses and processing delays although when I paid down the difference I was told it would take up to 2 days ( that was over 2 months ago ). I'm beyond frustrated and I continue to pay the PMI even though I've met their requirements to have it removed. I've called at least a dozen times. At this point I feel they are purposely not removing it.
Product: Debt collection

PRA Group did an unauthorized debit in the amount of XXXX. 

They overdrafted my account. 

Phone number on the debit is XXXX
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 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: Money transfer, virtual currency, or money service

Respected Sir, Date : XX/XX/XXXX I am XXXX, working as a XXXX XXXX and currently living in XXXX, XXXX XXXX. I have lived in USA from XXXX XXXX XX/XX/XXXX on a working VISA in XXXX, Ohio. I have opened a Chase Bank account during that period and used to transfer Money to XXXX from XXXX using XXXX XXXX as a third-party service. XXXX XXXX will get money from my XXXX account and transfer it to my XXXX Account. I had done this couple of times and never had any issue till I was in USA. 
After XX/XX/XXXX, I had to go back to XXXX and live there since then. On XX/XX/XXXX, I had transferred XXXX dollars to my XXXX account from XXXX with the help of XXXX XXXX XXXX. But on the same day XXXX XXXX declined the transaction saying that they did nt receive money from XXXX ( XXXX XXXX : XXXX : XXXX ). As a result, I had no deposit into my XXXX Account. But XXXX has deducted XXXX dollars from my money claiming that it had transferred money to XXXX XXXX. 
I had called several times to XXXX asking for my money to refund and had opened a Claim regarding this issue on XX/XX/XXXX. ( Claim Number : XXXX ). Entire communication was in emails or over the phone calls as I had no option to talk to the XXXX Branch as I was living in XXXX. 
There was no action taken for that claim and my on-line account was also blocked later. I could nt even open my on-line account and do any transaction. I had an impression that I could come back to USA on work VISA and could resolve this issue by talking to Chase directly. But unfortunately, I could not go to USA since then and the issue was not resolved. 
Lately with the help of a friend living in USA, I could unlock my online account able to do online transactions. I have contacted XXXX again on XX/XX/XXXX, by an email/Phone calls regarding the Claim opened in XXXX, but have not received any response. I finally tried to enquire about the Claim by talking to a XXXX manager with the help of my friend living in XXXX. The Manager was not able to view any information about the claim and has escalated this issue to Claims department. After 2 days, Claims customer service could reach me over the phone. I have explained what has happened so far and gave the Claim number for reference asking them to refund my money. They were not able to trace my Claim as it was 3 yrs old from now and it was closed with no action. When my friend reached the Bank Manager again on this issue, we were told that XXXX can not do anything in this regard and I am supposed lose my XXXX dollars. 
Just because XXXX can not trace a Claim that is older than 2 years, am I supposed to lose my money?
Product: Payday loan, title loan, or personal loan

On more than one occasion, navy Federal offset a late payment from my checking account without proper authorization. Several times, the payment has been automatically collected by their automatic collections system. To be specific, the most recent offset occurred XXXX XX/XX/2018. It is my understanding that federal regulations protect me from these sort of collection processes. Also, I was assessed a late fee on XXXX XXXX which is when my loan is due and the payment was made in full on XXXX XXXX. I am under the impression that fees are not assessed until the 10th day after the due date. I went Into their branch located in XXXX XXXX, TX and the representative was not at all helpful. She told me that if my loan was late, they could take the money from my checking account. I told her that was not right and she said that they can take the money from any of my navy federal accounts but not from external accounts. Does not sound at all accurate to me! My attempts to resolve with the company have been unsuccessful, therefore I am left with no choice but to escalate. I thought that navy Federal had corrected its collection processes but apparently not. Thank you for any assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the numerous unsuccessful attempts to remove inaccuracies from my credit report. Despite multiple disputes and requests, certain derogatory items continue to appear on my report, including late/closed accounts, accounts included in bankruptcy, and public records. 

I have enclosed a copy of my credit report highlighting the inaccuracies for your reference. 

I request the following actions be taken : Removal of Late/Closed Accounts : Several accounts on my credit report are listed as late/closed, which inaccurately reflects my credit history. These entries are outdated and should be removed promptly. 

Removal of Accounts Included in Bankruptcy : There are accounts on my credit report that were included in bankruptcy proceedings. As per the bankruptcy discharge, these accounts should no longer appear on my credit report. Please remove them immediately. 

Removal of Public Records : Certain public records, such as XXXX XXXX Bankruptcy are inaccurately listed on my credit report. These records have been resolved or do not pertain to me. I request their immediate removal. 

I have made numerous attempts to address these inaccuracies through the proper channels, but they persist, causing significant distress and hindering my ability to access credit on fair terms. 

I understand the importance of accurate reporting and the impact it has on individuals ' financial lives. Therefore, I urge you to investigate these discrepancies promptly and make the necessary corrections to ensure the accuracy and integrity of my credit report. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address these inaccuracies. I am asking for your assisstance to remove these items in my credit file XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$2300.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Credit card or prepaid card

Previously, I had made payments online with Discover. My payment history demonstrates this. Two months ago, I went to make a payment and the system asked me to re-enroll my account. I did, and was still unable to make a payment. Unfortunately, I was out of the country and did not have access to a phone, simply internet. The payment went past due. I sent a check, they apparently also didn't receive it. Now my account is past due 60 days on my credit, I went to go make a payment this morning online and was unable to do so. They asked to re-enroll my account, so I submitted my banking information again AND it would still not allow me to make an online payment. I had to call ( thankfully I had cellular availability ). I was advised by XXXX in Ohio on XX/XX/2022 ( she would not provide any identifier to me ) that their online system has been having trouble with payments. We proceeded to do a payment online. However, she would not work with me on the inaccurate information that was now reporting on my credit bureau. Had there not been any online problem with their payment system, I would not have been late. It is that simple. It is also telling that I didn't need to re-enroll or provide any payment information to the agent on the phone- discover already had it ; due to their error, I have been unable to make payments.
Product: Checking or savings account

The financial technologies company named Revolut partnered with XXXX XXXX Bank recently blocked my account as I could not provide screenshots for my recent add-money transaction from XXXX XXXX  since the card from XXXX I used was removed from XXXX XXXX  and thus the device recognition number has since changed. I attempted to let them verify the transaction by providing my bank statements of the card I used. But they insisted the screenshot of the original device recognition number in XXXX XXXX be presented to them and blocked my account without further explanation. The chat function in their app is no longer usable as they only told me that they will look into this issue within an unspecified time frame. The funds in my account are no longer accessible and the annual service fee I paid to them ( around XXXX dollars ) can not be refunded. This is arbitrary action has caused a significant financial stress and their non-transparent way of treating customers is most unacceptable.
Product: Credit reporting or other personal consumer reports

I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Product: Vehicle loan or lease

I purchased a vehicle with XXXX XXXX XXXX XXXX around XX/XX/2020. The financial dept added gap and extended warranty to the loan. The purchase price of the vehicle was {$10.00}, XXXX. After extended warranty and gap was added to the loan the full amount came out to {$13000.00}. About a month later I received a letter, from XXXX the gap and extended warranty company, stating my policy was canceled and a refund check of {$490.00} was refunded. I called ally and they said someone at XXXX XXXX had XXXX requested that it be canceled. I asked where that refund check was sent because the loan company nor I ever received that refund. I told him Im technically still paying for the gap and extended warranty as it is included in my loan. They said it was sent to someone named XXXX at XXXX and according to XXXX notes XXXX had said she gave me that money!!!! Which is NOT true!!! I called echopark several times. I had to leave messages on voice mailboxs and when I finally spoke to a manger he promised to look into it and he would call back the same day. 2 weeks later he still had not called back. I received a text from someone at XXXX in XXXX saying they will try to put the extended warranty and gap back on. I have not heard back from anyone and when I do contact someone they say the person I need to speak to is out of the office!! This is NOT ethical and it is against the law to cancel car owners gap and extended warranty and keep that refund when people are paying on it still in their car loan!! Please look into this. Also, they requested that I put {$2500.00} down to purchase the vehicle. That money is no where to be found. It was never included or deducted from my loan. Its just missing?!!! Please help me. Im a single mom who was purchasing a vehicle for my Daughter who went off to college. They probably saw me as an easy target. Im sure they have done this to other consumers as well.