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

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

acct. name XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX 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, 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

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  has 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 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: Debt collection

The date of collection reported on my credit is inaccurate. I spoke to XXXX XXXX XXXX on XX/XX/XXXX in reference to account # XXXX and the collection date should be reported as XX/XX/XXXX.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH MRS XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Credit reporting or other personal consumer reports

These inquires are a result of identity theft I never gave companies purpose to pull my consumer report these inquiries need to be deleted immediately 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 or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Reporting 30 day late for month of XX/XX/2023. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent Affidavits to TransUnion, XXXX, and XXXX by certified mail asking for proof of Contract with two wet signatures from both parties stating that I am Contracted to pay Child support and have it report on my credit report. I was never provided the evidence and neither credit agency removed the Account, I also have Hard Inquiries that I have Disputed that are also Unauthorized because I never gave them permission with a wet signature to run my credit report and it still remains on my credit report. 

I received a copy of my credit report and found the following item ( s ) to  be errors. 
I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this account via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of verification that you and/or your staff used to verify and validate this account- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit report on the XXXX of XX/XX/2022 without my signature or consent. I was alerted through XXXX and Transunion that they did a hard pull on my credit. I did not authorize or consent to this credit pull.
Product: Credit reporting or other personal consumer reports

I am submitting this request to formally dispute certain items on my credit report that I believe are the result of fraud. I have identified the following items as fraudulent, as they do not belong to me and were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX, XXXX XXXX Balance : {$740.00}, XXXX XXXX Balance XXXX {$290.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in city unities {$1700.00} accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My wife and I refinanced our mortgage through XXXX XXXX. Shortly after ( before the first mortgage payment was due ), the servicing of the loan was transferred to PHH Mortgage Services. 

The first payment was due on XX/XX/2020. Upon attempting to make the payment, I noticed that PHH had the incorrect payment amount due. Their system is reflecting a payment of {$2000.00}. However all of our loan documents reflect the correct payment should be {$1400.00}. It is the principal and interest portion of the payment that reflects incorrectly. 

The loan is a conventional XXXX year fixed loan with a balance of {$250000.00} with a term of XXXX years and a rate of 2.75 %. 

I contacted them via phone on XX/XX/2020 and was told to send my loan documents and support to their customer care team via email. I did so on XX/XX/2020. As of today, XX/XX/2020 the information is still not correct and I am showing as delinquent on my mortgage. 

Since XX/XX/2020 I have since called them on XXXX separate occasions and each time am told that they have the documents I have sent and it is with their research team. I am then told to call back in a few days. I have received no answer, no estimated resolution time ( except for a XXXX business day response time which has long since passed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got my report and i think its wrong! I was told i have a right to have aninvestigation done, creditreporting laws.ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct the fallowing information, therefore, needs to be reinvested. Please make sure everything pertaining to my credit report is corrct. 

Please provide me with the fallowing items. 
pay off disclosure intrest rate disclosure Balance history payment history credit insurance Accounts XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple credit inquires without my knowledge XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several letters to all three credit bureaus to investigate inaccurate information and valid accounts. They continue to violate my privacy rights and laws by not doing so. I would like all negative account thats be report to be validated or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 1.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2.XXXX XXXX XXXX Account Number : XXXX 3.XXXX XXXX XXXX  Account Number : XXXX 4.XXXX Date of inquiry : XX/XX/XXXX 5.XXXX XXXX Date of inquiry : XX/XX/XXXX 6.XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 7.XXXX Date of inquiry : XX/XX/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
Product: Debt collection

A company named National Credit ADJU started reporting a debt on my credit report in XXXX Credit Bureau saying I have opened an account on XX/XX/year>. They were reporting {$150.00} and it started hurting my credit. I contacted them and asked them for details as i have been a victim of identity theft. In response they said I have to pay that and it won't show up on my credit report anymore. I didn't know much about credit profiles and was new to credit and all these calls. I ended up paying them {$150.00} to avoid damaging my credit. Now that I learned about credit I see it is still on my credit report with all inaccurate dates and accounts that I never opened with National Credit ADJU or anyone.
Product: Credit card

Capital One refuses to give me a lower Annual Percentage Rate on the interest on my credit card account which is currently at above 22 %. I have been a very good customer, made all my payments on time for one year, and will continue to make on time payments in good faith. I strongly feel that I am being treated unfairly due to a particular charateristic in my profile. When I initially made the request with a customer service representative over the phone, it took them less than 5 seconds to basically say no to my kind request, which leads me to believe that they are not truly giving customers fair treatment, and whatever criteria they are using to make these decisions is discriminatory.
Product: Debt collection

" XXXX portrayed itself as an affordable alternative for us looking to lower their energy bills, but sales reps misled us about solar energy contracts and failed to provide essential information that would have allowed us to make informed decisions, '' robot-calls and receiving open letters in mail box allowing public shamming, exposing my personal information to public with false information from debt collection from this company " A Professional law corp '' caine & weiner XXXX XXXX XXXX XXXX XXXX  XXXX ca XXXX amount of {$28000.00}. 

Re : notice of default ( the customer agreement ) C & W account # XXXX
Product: Checking or savings account

I was receiving my unemployment benefits on the us bank relia card and I wish I could be more exact about dates but unfortunately us bank once the hold was put on my card they denied me access to my account all together online. I think the last time I was able to use the card was XX/XX/XXXX since then they will not give me my money back. I have faxed them my XXXX taxes, picture ID & social the first time. They said they needed more so to log into verify.usbank/retail which I did and take a photo right there of my ID which my hair was red and the ID broken and a selfie. Which my hair is blonde now so they said they couldn't Verify so therefore there was nothing they could do. I asked the lady what about my XXXX $ I saved and needed that especially during these times and she said it shows it's there but my account will never be active again. I then asked for a check or transfer of some sort that they couldn't just keep my money and they said to call my local health dept so I did in Utah and was on hold for 2 hours just for that lady to tell me that they paid the money to the bank therefore it is not in the hands anymore and to get ahold of bank.. so I just would like to. Be pointed in the right direction as to how I get my money that was from unemployment during these rough times? Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX.XXXX.2017 I initiated a dispute with Equifax concerning incorrect information within my credit file. After their investigation, they correctly removed two of the three disputed items. The remaining disputed item was being reported incorrectly. It was a state tax lien that has been paid. Equifax was not showing it as paid as the other credit reporting bureaus were. This item was not corrected.
On XXXX.XXXX.2017 I initiated a dispute with Equifax concerning the tax lien that was still not reporting as paid. I did at this time also include additional information concerning the removal of incorrect information and agreement that all XXXX credit reporting agencies mad with the National Consumer Assistance Plan. This plan states that liens without proper identification, social security numbers, consumers ' names and addresses, dates of birth or other federally mandated identification can not be included within a consumers credit report starting XXXX XXXX, 2017. All XXXX bureaus signed onto this agreement. This tax lien is being reported by a 3rd party, and not Equifax themselves. Equifax has not verified any information themselves, which they are required to due now. At the least, this lien is paid. At the most, this lien should be removed from my credit report. The other XXXX reporting agencies have removed it in accordance with the agreement between the National Consumer Assistance Plan and trhemselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to informed them that the Transunion and the XXXX credit reports information of creditor XXXX  XXXX XXXX is wrongly showing an account opened on XX/XX/2013 with a balance of {$3400.00}. This credit report information do not belong to me.
Product: Debt collection

I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, Portfolio Recovery Associates has failed to deliver validation of debt. The only response that I received was the deletion of Portfolio Recovery Associates trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that Portfolio Recovery Associates was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of Portfolio Recovery Associates not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I disputed XXXX hard inquiries with each company and they claimed that they sent letters to the 3- bureaus but once I notified them a month or so later the companies said I had to contact the 3 bureaus to have the hard inquiries removed but they gave me the run aroundIve been trying to dispute these hard inquiries since XXXX. My credit report been under fraud since XXXXXXXXand Im still a victim of fraud. I was in prison from XXXXXXXX XXXXThe potential negative item came from my old bank XXXX XXXX  which XXXX had hooked my bank card to cash app and was a victim of fraud,. Someone did an overdraft of {$500.00} and the fees made it {$13.00} and something dollars which I disputed and won. Industrial bank put the account at XXXX but did it as an charge off when it wasnt. XXXX points were taken from my XXXX XXXX. I disputed that but nothing happened. Can you help me because this is stressing me out. Thank you and have a blessed day.
Product: Checking or savings account

I have a checking/savings account with Chase Bank XXXX Upon review of my account information online with Chase Bank someone deposited a counterfeit check in the amount of {$2400.00} into my checking account and withdrew the money from my account. I was told at the bank that this was done through some sort of online process. 

Chase Bank did credit my bank account for the dollar amount. I was told there is no software that would detect any fradulent activity on my bank account which could send a text message stating this, and to accept or decline. If this was an option I could have declined this transaction, and no money would have been taken out of my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a past loan account with XXXX XXXX XXXX XXXX. I was late on the account and it was reported as such. I later was able to refinance the loan with XXXX XXXX XXXX XXXX. As a result of me refinancing my original loan ( still with XXXX ) XXXX created a new loan, new account number with updated terms of the loan. Unfortunately, XXXX reported the exact negative information that was reported in the original loan in the newly refinanced. This is not accurate. My credit report with all 3 reporting companies Equifax, XXXX and XXXX for several years continue to report that I had to loans with XXXX and both have the same late history being reported. I have disputed the information with each of the credit reporting companies with no resolution. I have contacted XXXX personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account XXXX : XXXX
Product: Checking or savings account

Truist Bank falsely advertised bonus of {$400.00} for new checking accounts. Despite advertising requirement account must be opened online, funds sent are not available until consumer goes to branch. http : //www.truist.com/checking/open-checking I have made repeated attempts to get my {$200.00} deposit back ( transferred from my current checking account almost immediately XX/XX/year> ) by phone twice and by US Mail twice.
Product: Credit card

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am always on time with payments, but they are incorrectly reflecting me as late.
Product: Debt collection

XXXX XXXX XXXX  is reporting a {$190.00} bill on my credit report from XXXX. We have explained to this collection agency, that this service was covered and paid by our health insurance. However, they tell us that they refuse to investigate the matter, and the only thing we can do about it is pay them {$190.00}.
Product: Credit card

This is for a Bank of America credit card. 
The amount shown on the bank of america app is often times not the amount that you have actually spent on your account. I believe this is to mislead and get customers to spend more money than they typically would be comfortable doing. It's only when you click further into the app that you realize that you've spent a lot more than the amount that you see when you first open the app. It took me a while to realize this and if I had not caught it I would be paying interest for no reason. Someone with less experience using credit cards would easily fall into this trap. I have attached 2 screenshots below that will show the dashboard of my app account showing my account balance as {$140.00}, but when you dig further into the account you see the balance is actually {$160.00}.
Product: Debt collection

Upon reviewing my latest credit report in detail, I found multiple accounts that seem to be erroneous and were included without my consent.
Product: Payday loan, title loan, or personal loan

I applied in person with 5/3rd Bank for a XXXX XXXX XXXX advertised as low documentation. It requires a Stated Loan Application. My business is located in GA. 5/3rd wanted me to have a GA drives license even though I'm a XXXX  licensed in GA, with a home in GA and a business duly registered in GA. 

XXXX also underwrites the bank and must be cited in this process. 

I applied in person with a bank manager on XX/XX/XXXX at a branch in XXXX, GA. I for the decision XX/XX/XXXX I was told the application goes through firms within 5/3rd and other entities. 

5/3rd did not ask for my bank statements or tax returns. 

I was also told that the loan could be considered if I have a dual driver 's license in GA and XXXX, where I also have a home. This is illegal to have two drives licenses. 

This is a deceptive and misleading loan process.