23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I entered into an SBA loan in XXXX of XXXX in the amount of {$350000.00}. The loan facilitator was XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL. In XXXX of XXXX I filed XXXX  XXXX personal bankruptcy and lost my business. In XXXX of XXXX the bankruptcy was discharged. After a couple of years of grinding I was able to salvage my credit. I sold my house and entered into an agreement for a construction loan with XXXX XXXX XXXX in XXXX Arkansas. They pulled my credit report and other than the bankruptcy showing up, it was fine. We knew the Bankruptcy would be there. We entered into an agreement for construction in XXXX of XXXX. XXXX of XXXX I get a call from XXXX XXXXXXXX XXXX asking if I had taken out an SBA loan. I said no, but I had one that was included in my bankruptcy. They advised that the SBA has reported an outstanding debt on my report. I began the process of trying to have that removed from my report because it was included in the bankruptcy. After months of no satisfaction, XX/XX/XXXX I retain my bankruptcy attorney to assist. My attorney contacted SBA and was told that they can confirm it was a mistake and it would be rectified on the next reporting cycle. It was never rectified. We attempted to contact the SBA again about it, but our contact is not responding to us. XXXX I submitted a formal complaint to the bureaus. The results came back as accurate. Knowing its not accurate on XXXX I uploaded the supporting court documents and submitted them online and by regular mail. It wasn't long after that that the report was corrected. Then in early XX/XX/XXXX I received notice that derogatory reports had been made to my report. I looked it up and the SBA had AGAIN reported the loan as outstanding. On XX/XX/XXXX I submitted my dispute with the documentation and again it came back as accurate. It's definitely not accurate. I think the mistake is in the fact that the facilitator XXXX XXXX XXXX and the SBA used different account numbers for the same account. It's probably internal only for them but it's causing me problems. I need this removed from my report as it was most definitely included in the bankruptcy and discharged XXXX of XXXX
Product: Credit card or prepaid card

Checked transactions at a time in between an old card and waiting for new one because of this suspect activity.I dont recognize any of these companies or the charges.Ive not recieved any product from any of them. Ive tried to reach out to them but i dont know who they are. The bank had 1 number to call. The phone is disconnected. bank has said i entered into 1 agreement. Wheres my product they charged me twice the same day. The bank has declined my request for refund. This is all fraudulent. 
The Bank is Direct Express The company 's that charged my card are XXXX FOR XXXX ON XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX  FOR XXXX ON. XXXX XXXX XXXX XXXX 2 CHARGES FOR XXXX AND XXXXON XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FM XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX & A, XXXX XX/XX/XXXX XXXX & A, XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I am writing to dispute the following information in my file. 
Account Name : CHASE MTG Account # : XXXX Loan # : XXXX 1. XX/XX/XXXX report XXXX late payment 2. XX/XX/XXXX report XXXX late payment 3. XX/XX/XXXX report XXXX late payment I am requesting that the item be removed to correct the information. 
I have scheduled ACH payment of {$1700.00} that applied to my loan XX/XX/XXXX and pay all my payment in the from XX/XX/XXXX On XX/XX/XXXX XXXX add escrow account to my loan and payment increased from {$1700.00} 37 to {$2700.00} Called XXXX to remove the escrow from my account so I can pay back the {$1700.00} 37 for XX/XX/XXXX payment they remove the escrow and pay XX/XX/XXXX of {$1700.00} 37 On XX/XX/XXXX the report XXXX late payment ask them to remove it ant is never append On XX/XX/XXXX, Again the add escrow account to my loan and payment increased from {$1700.00} 37 to {$2700.00} effective XX/XX/XXXX Called XXXX to remove the escrow from my account so I can pay back the {$1700.00} 37 This a have problem to remove.! and pay payment and on XX/XX/XXXX the payment increased up {$5500.00} after talk to the on the phone and to direct to my bank And wasting a lot a lot a lot of time I decide to pay full amount of the mortgage I called them asking for payoff amount they say they 're already send the payoff to a different company XXXX so I called XXXX to and I pay the Full amount of {$210000.00} and they close the loan. on XX/XX/XXXX, they are reporting XXXX and XXXX-day late payment on my credit effective on XX/XX/XXXX and XX/XX/XXXX Payment. called him and asked him to remove it after all the problems I 've been through they say they will and then they send this letter to contact the credit reporting agencies to explain the late payment to update your credit report On XX/XX/XXXX
Product: Checking or savings account

I am locked out of my online accounts still despite numerous complaints against FNBO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft for over 3 years now, while I was receiving XXXX because of the aggressive XXXX. My creditors did not protect at all while I was battling for my life and this is wrong on so many levels. This is my last and final time reaching out to the creditors and credit reporting agencies. The next step would be contacting an attorney and suing each creditor one by one plus the stress it has caused and court cost. This has been a nightmare, I had to change my drivers license number and contact SSA. This guy even pulled money from my 401K account. I also attached a copy of the police report. The following accounts need to removed immediately XXXX XXXX XXXX XXXX -- never opened an account with this company and would like for this company to send me signed contract with my signature. This is a fraudulent account I want removed immediately. 

The XXXX  XXXX XXXX  -- -- This account was opened and used without my consent, please remove XXXX XXXX XXXX  -- -This account was opened and used without my consent please remove XXXX XXXX  XXXX XXXX -Account used without my permission and fraudulent charges by roommate please remove immediately XXXX/XXXX  -- -This account was used and charges were made without my permission please remove from credit file XXXX/XXXX  plcc -- This account was used and charges were made without my permission and consent please remove from credit file XXXX XXXX -- -- This account was used , services were added and I did not consent to this account please remove. 

XXXX XXXX -- -XXXX  is aware of this account also, XXXX closed my account because of suspicious activity I remember them reaching out to me prior to XXXX and XXXX  XXXX along with XXXX I never heard back from them. Please remove account XXXX -- -Charges made and card used without my consent, please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to find out why my credit report from Equifax called in on XXXX has not been sent as of XXXX. I called them but was not able to understand the person who had a lot of background noise and a heavy accent. Would not identify where they were located.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 
I just received my investigation results from Experian, but I am now concerned about how they verified some of my information. I have a few concerns as to how they are conducting their research. Did they talk to my neighbors, friends, family, etc? I was reading the FCRA and noticed Experian has violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts in the attached letter. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have sent them a letter regarding these issues, and have attached a copy to this complaint : Certified Mail # RF 341 649 120 US.

I am also feeling placated, because when they said they had reinvestigated, nothing has been updated or corrected when it comes to my personal information. So, really, I have never had my previous complaints validated by them, and I am NOT satisfied with their response to me. 

Thank you for being in my corner, and helping me with all this. 

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

They continue to say I owe a old loan I don't know anything about. I talked to them over XXXX years ago afraid I had identity theft and asked to see original loan documents and never received any. I disputed collection on my credit report and it was removed. Now a different collection agency has put a new collection account on my report. I disputed it with XXXX and it came back as a verified and correct. That is impossible. I can get rid of them. It's been approx XXXX years or longer. They called my daughter and her new husband 's family in another state who I don't even know saying I'm in legal trouble. Please help me with this Cashnet USA company go away.
Product: Credit reporting or other personal consumer reports

Violating Company XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, caXXXX I am writing to file a formal complaint regarding the unlawful reporting of my background information to credit reporting agencies without my consent. This action violates my rights under the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and USC 1692c.

I recently discovered that certain entities have been reporting my background information to credit reporting agencies without my knowledge or authorization. This unauthorized reporting is a clear violation of my privacy rights as outlined in the Privacy Act of 1974, which mandates that individuals have the right to control the collection, maintenance, use, and dissemination of their personal information. 

Furthermore, the Fair Credit Reporting Act ( FCRA ) establishes guidelines for the accuracy and privacy of information reported to credit bureaus. By reporting my background information without my consent, these entities are in direct violation of the FCRA, which requires consumer reporting agencies to follow reasonable procedures to ensure that the information they report is accurate and up to date.

Additionally, USC 1692c under the Fair Debt Collection Practices Act prohibits debt collectors from communicating with third parties about a consumer 's debt without the consumer 's consent, except in specified circumstances. Reporting my background information to credit reporting agencies without my consent falls under this prohibition and is therefore illegal. 

I am requesting an immediate investigation into this matter and the removal of any unauthorized information that has been reported to credit reporting agencies without my consent. I also request that appropriate actions be taken against the entities responsible for this violation of my privacy rights. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me if you require any further information or documentation regarding this complaint. 

Thank you for your assistance in this important issue.
Product: Credit card or prepaid card

For about 4 months my phone number has been changed and because of that I can not log in to the Current Banking app and access any of my card information. Today I accidentally left my card inside of an ATM and my card was shredded unfortunately. That means I lost all of the money I had from getting paid today because I have absolutely no way to access my card. I have emailed the company multiple times and have messaged them on every platform and I havent received any help or response.
Product: Debt or credit management

In XXXX of XXXX, Someone STOLE my identity and opened up a business card through Capital One. This person spent a total of {$7700.00} and opened a business called XXXX XXXX XXXX  in XXXX, GA. I live in XXXX, NY. I completed police reports, affidavits, filed reports through the FTC, and filed disputes through all of the credit bureaus, etc. Police report was through the XXXX XXXX Police department- report number XXXX. The account was closed in XXXX of XXXX. However, Capital One deems me as responsible for paying the amount listed above. I spoke with several different people, and filed theft complaints. My exact case number is XXXX. This came back as non-fraudulent and I was told that there was nothing else they could do for me. I was not given a chance to file an identity theft claim. The account starts with XXXX and ends with XXXX. This has GREATLY impacted my family and me. We are not allowed to take out a builders loan to build our dream home because this account shows 20 months past due. I now have debt collections on my credit report because of this as well.I DEMAND that the {$7700.00} is wiped out and I am found not responsible for paying this debt that is not mine. I have NEVER been so infuriated with a company in my entire life.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/XXXX  # XXXX
Product: Payday loan, title loan, or personal loan

I did not receive my Truth In Lending Act disclosure prior to my line of credit with CASHNETUSA. I have attempted to obtain on numerous occasions in the last several days and have been told various reasons why it will take 3 to 10 business days. One customer service representative told me a manager had to review my account and will call me back. This will take 10 business days. The second customer service representative told me it will take 3 business days. I am not confident in the information I am being given and am in need of the TILA with CASHNETUSA. This should be on my account page. For anyone who does not receive their TILA prior to the loan/line of credit you are not legally bound to make any payments.
Product: Credit card

I have a credit card with Synchrony Bank, a PayPal Smart Connect card. 
( 1 ) On the PayPal Smart Connect card I have been making bi-weekly payments in the amount of {$75.00} ( {$150.00} per month ). My balance has been steadily decreasing and on XXXX XXXX, 2015 my balance was {$650.00}. I got a letter from Synchrony stating that they were lowering my credit limit from {$1100.00} to {$660.00}. I had made {$75.00} payments on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have used the card for only one {$50.00} purchase. On Tuesday, XXXX XXXX, I checked my balance and it was {$700.00}. I had been charged a late fee pushing me over my credit limit and then they charged me {$14.00} interest on a balance of {$670.00}. Keep in mind I 've paid {$300.00} toward this card since XXXX XXXX and I have used it for only XXXX {$50.00} purchase. 
When I called to complain on XXXX XXXX, 2015 the representative said " Congratulations, we were able to help you by moving your XXXX XXXX payment to XXXX and removing the late charge bringing your balance to {$670.00} ''. The late charge should never have been applied to begin with and my new balance is now still more than I owed on XXXX XXXX ( I 've made XXXX additional payments since XXXX XXXX and I have n't used the card in XXXX ). My new balance should be less than {$650.00} which was my balance at the beginning of XXXX. 
( 2 ) Since XXXX XXXX I have made {$300.00} in on time payments, have not used one time ( {$50.00} ), show no purchases for XXXX on my statement and yet my balance has gone up by {$50.00}. How can I pay {$300.00} toward a XXXX balance, make XXXX {$50.00} purchase in XXXX and end up with a {$700.00} balance on XXXX XXXX? In addition to fraudulently charging late fees and costing me money they have caused my credit score to go down by constantly lowering my credit limit even though I pay on time ( more than the minimum ) and have steadily been paying down the balance. 
( 3 ) Synchrony is robbing people by charging huge interest rates of 29.66 % and then playing around with people 's credit limits causing them to go over limit and incurring additional late fees and interest fees on the late fees plus causing a negative impact on credit scores. I have my payments set up to go automatically every two weeks and I check my balances on the first of every month. My balances have slowly but surely been decreasing and now all of a sudden I 'm over limit and have been charged a bunch of fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.
Product: Vehicle loan or lease

I paid my car off on XX/XX/2021 which was financed by Santander. I have made repeated requests for the title for the last 5 months and they simply refuse to release the title to me. This has caused me extreme financial distress as I have been needing to sell the car.
Product: Debt collection

A 14 year-old debt attempted to be collected upon. I did at one time have an account with one of the companies he'd mentioned ; However, it's been settled for over a decade. It doesn't even show on my credit report any longer.
Product: Credit reporting or other personal consumer reports

Transunion continues to report false and misleading information on my credit report and continues to ignore my previous XXXX attempts to have them legitimately investigate and correct the errors. This is totally unfair because they are blatantly violating the FCRA and not being held accountable by the authorities.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to cease Hunter Warfield 's unlawful reporting on my consumer report. According to the FCRA under 15 USC 1681 b ( 2 ) they can only report in accordance with written instruction from me the consumer. I have had no contract or any contacts with Hunter Warfield regarding any alleged debt.

Also, due to the fact that they are in relationship with numerous of companies to buy consumer credit information with the intent to extort consumers for a payments which makes them financial institution as defined un

der 15 USC 6827 ( 2 ). They have a responsibility to provide disclosures to consumers to safeguard non public information and may not report anything about me unless they can provide the following disclosures : 1 ) Purchase agreement that gives the right to report an alleged debt 2 ) They have clearly and conspicuously disclosed in writing that my information can be disclosed to a third party 3 ) Such disclosure giving me the opportunity to opt out of having information in your data base reported about me to any third parties. 4 ) A disclosure giving me an explanation of how I can exercise my nondisclosure option. If they fail to provide any of these doc
umentation requested can be provided then Hunter Warfield would be in direct violation of the FCRA and FDCPA and never had a right to report anything without without my consent.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 {$80.00} were sent via XXXX XXXX on chase mobile app. They were sent to an incorrect account due to the number listed on my quickpay was an old contact number. I attempted to reach out to the person if they would kindly send the money back, to no avail. My next step was through Chase Bank. They opened a case on XX/XX/2021 and I was told a credit would be placed in the mean time of {$80.00}. I sent the money to the appropriate contact number this time which I am certain can be verified that the incorrect account and the correct account differ. On XX/XX/2021 the {$80.00} amount was rescinded. I wasn't contacted about the investigation conclusions nor the findings. I called XX/XX/2021 to speak with the executive office and they opened a claim. That was denied due to insufficient evidence, but I wasn't provided any of the information that they looked into and was told that the issue was final. I asked to speak with their manager but the agent instead called me back and offered {$40.00} credit that they hardly if ever do and this was a special circumstance. I denied it and demanded to speak with the manager. At this point my issue has not been resolved and I know that {$80.00} may not seem like much to a big banking company to complain over, but in this pandemic age every dollar counts!