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. 

Account name : # XXXX XXXX, Account name : # XXXX  XXXX XXXX, Account name : # 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 or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$0.00} XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX XXXX XXXX Dispute type : Incorrect date of first delinquency because of no supporting medical statement showing the exact date I requested to remove incorrect delinquency date from my credit history many times. Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. The medical bills need a statement date as a due date not a service date. 

THE DATE OF 1ST DELINQUENCY IS INCORRECT, BECAUSE THERE IS NO STATEMENT VERIFYING IT, AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.
Product: Student loan

Please see attachment Company has provided questionable information about total balance Company has been wrong/misleading about appeals process Company provided information that led to balance increase rather than decrease All detailed in attachment
Product: Checking or savings account

Was being told that I had funds in my account but didnt and had to pay overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX Inquired on XX/XX/ XXXX Inquired on XX/XX/ XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/ XXXX XXXX  Inquired onXX/XX/XXXX XXXX  Inquired on XX/XX/ XXXX XXXX Inquired on XX/XX/ XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to follow up the response from the Credit Bureaus after the 30 days of investigation. As I reviewed my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a checking account in XX/XX/XXXX and the terms stated with {$300.00} direct deposit receive {$200.00} bonus. I had DD 2x a month for several months and did n't receive the bonus. I have followed the terms to a T and since I 've tried calling, doing live chat and sending secure messages I would like to have this matter resolved. I feel like this company might be preying on senior citizens. They attempt to be confusing and state different terms or reasons to deny me each time I contact them. 

The terms I signed up for : To receive the bonus : 1 ) Open a new BMO Harris Smart MoneyTM Account, BMO Harris Everyday Checking, BMO Harris Select Checking or BMO Harris Portfolio Checking account between XX/XX/XXXX and XX/XX/XXXX in a  BMO Harris Branch, by calling XXXX, or by clicking open now above.Well automatically apply the {$200.00} offer promo code when you apply online 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. 
Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer can not be combined with any other offer, is non-transferable and is limited to one per account.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. There are several names and addresses listed that do not belong to me. I have previously disputed these accounts and the consumer agencies claimed to have verified the information as belonging to me based on a creditor reporting the information. This has nothing to do with me and I am not required to follow up with any creditor its the consumer agencies job and I have proof that the address are not mine. I provided verification of my address and my identification to prove what I am stating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

PNC does not allow me to link my checking account to my XXXX  XXXX  account.
Product: Debt collection

Called me at XXXX XXXX, did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last complaint I see was closed but it was not fixed. I responded but I see that my complaint is listed as closed. I simply wanted my mortgage company to report my mortgage and perfect payment history to all 3 bureaus. I complained to the CFPB after The Money Source failed to respond to me after many attempts. The Money Source responded that I was correct and they would report. They reported wrong. 
1 ) They only reported to one bureau. Is this how they treat other customers? Why are they treating me different? 
2 ) They only reported 4 months, their response said they would report from XXXX. 
3 ) They reported that my mortgage is completely paid off and that my account with them is closed. I have an open account with them {$190000.00} mortgage.
Product: Credit reporting

The CRA ( XXXX ) is giving out my information to companies who I no longer have a financial relationship with such as XXXX Bank. In the past 2 years that have given out my credit history to agencies I am not familiar with and as a result my credit score is very low. The hard inquiries by lending institutions sink your score. I have not authorized my credit to be checked by these entities. It needs to stop being a practice at Trans union.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ), as it requires timely access to funds. This situation raises concerns about consumer protection laws. I request your assistance in investigating this matter to insure my rights are upheld. 
Thank you
Product: Debt collection

The company sent email on XX/XX/XXXX  which indicated the authority to do business in the state was " pending. '' I submitted a dispute on XX/XX/2023 requesting authorization to collect debt and license information. The company stated that the credit bureau stated they could collect the debt. In retaliation for disputing the information with the credit bureau, the company replaced their name as the original creditor on the debt and charged the debt account in addition to the original creditor. 

The company did not communicate any information in writing regarding the right to collect the debt, the right to dispute the debt. The customer service agent stated that my credit score would go up if I agree to " just pay the debt. '' My credit score did not improve. The company is now reporting as the " original creditor '' on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX and charged off the account again.
Product: Checking or savings account

I bank with Alliant Credit Union. Attempted to mobile deposit a check of {$100000.00}. Unable to do so because mobile deposit limit is $ XXXX. I was informed via bank representative to mail check on XX/XX/year> at XXXX. Sent check via USPS certified priority ( XXXX ). Check delivered to their deposit address ( Alliant Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year>. Call on XX/XX/year> at XXXX to confirmed that Alliant had received my check. They confirmed it. Call XX/XX/year> for update since check had not been processed. Received email confirmation on XX/XX/year> from bank supervisor that they are waiting for payment department to process check. As of XX/XX/year>, called again and still no update on when the check will be deposited. 

Contact info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Medical Data System, XXXX XXXX XXXX XXXX, AL XXXX. The company call and I asked them to send me a paper statement and they refuse to. They told me that with payment arrangements they have to have a CC or Checking account in file. I spoke with 3 different people and all three of them were very rude and nasty. The supervisor told me she did n't care that it was my resonabilty to pay my debt. Which I am very aware of it and I am willing to pay the bill but why is it I ca n't get a paper statement and mail my payment in. These are some XXXX and rude people and they all should be fired.
Product: Debt collection

On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$82.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior Complaint of Company with your outlet, of whom took credit reporting off for 30 days then sent account to collections as new account. 

Further to damage my credit. In incorrect amount.
Product: Debt collection

I previously disputed this matter with Capital One. I have received calls and letters from Third party reporting companies with inaccurate information. This has caused a negative impact on my credit report. I have been harassed with phone calls after asking not to be contacted. I am not liable for the debt owed to this company. I do not have a signed contract or agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

i ask to have my credit freeze removed from Experian credit co. with certified mail twice and been a month and still frozen! i have tried for days to get threw to them! I am a XXXX  senoir citizen and need to buy my lease out! i got a month before turn in! please help! these people got everything on info possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN : PLEASE REREAD ALL COMPLAINTS AGAINST EXPERIENCE CREDIT REPORT SERVICE I HAVE PUT IN COMPLAINTS AGAINST EXPERIENCE FOR THE SAME ISSUES DATA BREACHE OF MY PERSONAL INFORMATION, THATS ALSO ON DARK WEB I HAVE UPLOADED SCREEN SHOTS OF SAME INFORMATION NOW THEY SAID SEVERAL TIMES THAT THEY HAVE FIX THE DATA BREACHES ON MY CREDIT REPORT SENSE THE OTHER COMPLAINTS SAME ISSUE PLEASE GO BACK AND PULL EVERY COMPLAINTS REPORT THAT I MADE AGAINST EXPERIENCE, BY PULLING ALL THE COMPLAINTS REPORT U WILL SEE THE SAME INFORMATION THEY SAID IN ALL OTHER REPORTS THIS ISSUE SHOULD ALREADY BEEN CORRECTED THE FIRST TIME WHEN THE UPLOADED PICS SHOWING ALL THE DATA BREACHES OF MY PERSONAL INFORMATION WAS STILL COMPROMISE THEY HAVE LIED TO ME THE CONSUMER BASICALLY THEY HAVE LIED IN GOVEMENT DOCUMENT AND COMPLAINTS
Product: Credit reporting, credit repair services, or other personal consumer reports

i am having this credit monitoring issues from XXXX. i have been already filed some complaints on XXXX XXXX, experian and other credit bureau companies , because of these companies am paying my car interest APR is 18 % and my car insurance XXXX , where every one used to pay XXXX . i have asked many of customer care persons of that particular companies but no use. those companies holding grudge and taking very personally and making me to face very hard time, because of these companies i am not getting any credit card and good credit score. new persons just came united states are able to apply credit loans and i am staying here from XXXX i can not even apply just one single credit card in USA this is weird .i have some issue with XXXX XXXX XXXX in XXXX still am having problem and facing very hard time with family because of these credit bureau companies. XXXX XXXX person told even i can complain to Trump but no use it seems. that means they are holding government or what, i don't understand. i thought people can stay safe in America but because of these problems people are failing in their life.
Product: Credit reporting or other personal consumer reports

These 4 accounts that are reporting negatively on my EQUIFAX credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Checking or savings account

It appears thst moneylion has deleted my account for a discriminatory reason, XXXXXXXX XXXX 

They charged monthly service fees without my permission and failed to reimbursement, and then some entry level employee, overstepped their boundaries to another adult. 

Felt that they made a business decision thst didn't follow public policy because you keep hiring XXXX 

Now I have to file a lawsuit, but I'll start with this to gain access to my account and transaction reasons, along with the return of the money owed. 

It'd the immigrants causing problems for me work XXXX XXXX XXXX  cosigning. For a XXXX XXXX off a XXXX XXXX. 

They never provided access to the cash advance held to additional standards after emailing the verification documents sue to the online verify not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquires on my report dated XX/XX/XXXX2022 They are not mine. 

I had contacted XXXX via phone and was told it was disputed, and within 3-4 days it would be removed. 
Its now XX/XX/XXXX and the hard inquiry still shows on my report. 
I then chatted with XXXX and was told I was given wrong information. 

I was told I then had to mail in my dispute, and now nearly 2 weeks has passed since then.

1. Dispute the 3 hard inquries 2. Complaint versus the transunion rep that provided me wrong information Photo attached of the hard inquries.
Product: Debt collection

I asked to file a claim and contact the utility company that charged me {$240.00} for a month that I wasnt even living in the residence and it was the highest amount theyve ever charged. The meter was projected for use not actually read. ( XXXX XXXX XXXX. ) Im filing a claim with the FTC against XXXX XXXX XXXX, but I was told the debt collection company, Contract Callers Inc would report back with my claim before anything went on my credit report. 

That did not happen. 

{$240.00} has brought my credit report down to the mid XXXX.
Product: Mortgage

Nationstar Mortgage , LLC has recently taken over the serving of our mortgage. My husband has been making extra payments on the loan. As he soon as he began paying extra on our mortgage, Nationstar Mortgage , LLC started charging illegal and unjustified charges to account. Although we have paid in advance and above our monthly payments, Nationstar Mortgage is claiming we are in default. Among the unjustified charages, Nationstar Mortgage has charged us {$1600.00} in legal fees, a fee of {$19.00} ( unexplained ), and a property inspection fee of {$100.00}. Nationstar is claiming that we are in default and must pay {$2.00}, XXXX to cure the default. Actually we are current on our payments and have paid over {$200.00} extra in payments. But Nationstar will not credit our payments is and is making up fees. None of these fees are permitted per my mortgage documents. More importantly none of them are legitimate. I would like CFPB to criminally charge this group. I am not the only victim of this comapny.
Product: Credit reporting or other personal consumer reports

My credit report was ran several times which looks like someone was shopping around for an auto loan. It was too many to even count. i contacted the credit bureaus and all they told me was that it only counts as one inquiry and that i need to contact the companies directly. I told them that i was supposed to have a fraud alert in place so the companies could call me first before running my credit and they say sometimes the companies would still run the credit anyway especially for auto loans. These inquiries don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion. 
XXXX XXXX XX/XX/2024 transunion. 
XXXX XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXX  XX/XX/2024 transunion. 
XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXX XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXXXXXX XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXX XXXX XXXXXX/XX/2024 transunion. 

There are also 2 fraudulent accounts on my credit report that are not mine. I spoke with someone at these companies and they told me to file an identiy theft report which I am doing now. 
XXXX XXXX XXXX amount {$240.00} XXXX XXXX XXXX XXXX amount {$460.00}