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 confidentiality under 15 USC 1681. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$470.00} Inquiry : XXXX XXXX XXXX  Inquiry Date XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX  - XXXX - {$3900.00} XXXX XXXX XXXX - {$910.00} XXXX XXXX  XXXX - XXXX XXXX {$1100.00} XXXX XXXX - XXXX - {$1300.00} XXXX - XXXX - {$2000.00} XXXX XXXX  XXXX - XXXX - {$2700.00}
Product: Debt collection

I am flabbergasted how a debt collection company dares to report a ridiculous amount to my credit reporting agency without having any contract nor any document that could validate such debt.

I had no debt to such creditor. The debt collection agency has reported this false collection amount fraudulently without following their legal steps. The debt collection agency is just trying to bother me by reporting a false claim instead of contacting and presenting documents to validate the debt.

Furthermore, the collection agency is being unresponsive and abusing the credit reporting agency for their own wrong doing.

I have no contract and no such proven debt. Due to lack of any validation of this debt the collection agency needs to be penalized not following Debt Collection ACT rules and regulations. 
On another note the amount of {$64.00} is

such a ridiculous amount that is another proof to my claim that the reporting agency is being abusive.

I need this falsely reported amount removed from my credit reporting and I definitely want federal support against such abusive unlawful practices conducted just to bully customer instead of conveying through competent legal system.

my contact number is XXXX should you need any further verification. 
The name of the collection agency is " COLUMBIA DEBT RECOVERY '' and their contact number is : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a CFPB complaint regarding the following accounts : XXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX I have also submitted multiple disputes regarding these account being improperly reported. XXXX XXXX fraudulently locked my account and closed it out as a charge off. XXXX closed the account with a balance on it and did not allow me to pay off the account. 

It has been well over 30 days for them to respond to my complaint. These account need to be immediately removed from my credit report.
Product: Debt collection

pentagon federal credit union attempted to collect a debt related a Contract that is canceled, unverifiable and or has been paid by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 : //www.ftc.gov 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 are 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 XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$310.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX  please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023
Product: Checking or savings account

Contributor : BANK OF AMERICA when I was in hight school I had my identity stolen. It was used to do all type of fraudulent activities. I reported it awhile ago with my local police department but I can not open bank account because of this inaccurate information.
Product: Credit reporting or other personal consumer reports

Equifax incorrectly reported my XXXX XXXX balance as a increase which in fact the balance were paid down I also provided them with a copy of my statement to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus and  XXXX   XXXX   XXXX  would not do anything to correct this issue.
Product: Debt collection

I have received numerous collection letters from Midland Credit Management. I responded several time with debt validation requests. I have certified proof that they received my letters. They have yet to provide me with information that i have requested from them. Instead they continue to send me the same letters asking me to provide them with a written explanation and documentation demonstrating any errors on my credit report. According to the law, if a debt can not be properly verified it must be removed. The burden of proof is on them. I demand they either send me contract with my name and signature or delete this entry from the bureaus immediately. I am aware of my rights.
Product: Checking or savings account

On XX/XX/XXXX Credit Karma froze my account I have a balance of XXXX in my account I have tried several times to get in contact with them and I was told that a team would reach out to me via email because they dont have a phone number they will not tell me why my account is froze nor when will someone be contacting me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account with XXXX XXXX. They are reporting numbers that are not only inaccurate but impossible. They are reporting that I have a {$4700.00} balance but that only {$4000.00} of it is past due. This account is almost seven years old so it is impossible that the entire amount isn't " past due ''. While this might seem like subtle distinction, the FCRA is pretty clear that information must be accurate or removed. Now of course I'd like it if they would just remove the whole thing because it's inaccurate, but at he very least they should correct it. 

XXXX XXXX told me this is a bug in their system and on that basis I believe this should be deleted.
Product: Mortgage

In an email trail that I have attached that began on XXXX XXXX, XXXX, I asked XXXX for a forbearance and mortgage modification. I been affected by XXXX and had not been able to return to work because I was diagnosed with an autoimmune XXXX and XXXX in XXXX of XXXX. 

In my complaint filed on XX/XX/XXXX XXXX XXXX XXXX, I provided the completed mortgage assistance application and all the required documents. But, Shellpoint was refusing to acknowledge the completed application until I filed a complaint with CFPB.

Shellpoint provided what appears to have been a streamlined modification, which the payment was hirer than the income on the XXXX assistance application. I contacted Shellpoint and informed them that I could pay the {$1000.00} because of the American Rescue Plan as I had started to receive unemployment. But, I expressed concern that after unemployment ended, which is ending early here in Texas, I would have difficulty paying it. I am having a difficult time obtaining a job due to my ongoing medical condition. 

I paid the first trial payment of {$1000.00} in XXXX of XXXX for XX/XX/XXXX. 

Then, on the statement due in XXXX of XXXX, Shellpoint indicated that I was in a trial modification and stated the payment was {$990.00}. 

On XX/XX/XXXX, I asked XXXX XXXX XXXX my Shellpoint designated representative ) if the {$990.00} was correct. I paid the {$990.00}. 

On XX/XX/XXXX, XXXX XXXX said he would have to ask his supervisors and never did give me a response on the correct trial payment amount. 

So, for the third and final trial payment in XXXX, I wrote a check # XXXX for the {$1000.00} plus and additional XXXX. XXXX to make up for the XXXX trial payment since XXXX never responded. 

Now, Shellpoint is trying to act as if they did not receive the final payment and I have not completed a trial modification. 

I have attached the statements which are incorrect. My escrow account is not negative {$3200.00}. Shellpoint overcharged me so much on my escrow account that even without me making all the payments in XXXX, the account had enough money to pay the taxes and insurance. 

The amount of past due payments is incorrect because Shellpoint did not apply all my payments before the modification, is holding trial payments.

Plus, Shellpoint is charging unearned fees for Property inspection disbursement and late fees for partial payments and I was in a modification.

Plus, Shellpoint took {$270.00} that XXXX advanced to Ditech on my account.
Product: Credit card or prepaid card

On XX/XX/2020 I made a {$300.00} payment on my Synchrony Bank Amazon Credit Card. My credit limit is {$400.00} and I made an EARLY payment for more than the minimum due. The payment cleared my bank on XX/XX/2020. I attempted to make a purchase today using my Amazon Card and it was declined. I called the customer service number for Synchrony Bank and spoke with a customer service representative. I informed the rep of my payment, advised him it has cleared my bank, and asked why I was showing a balance of {$34.00}, available to spend amount of only {$32.00}, when I have a total credit limit of {$400.00} The representative informed me that because I made a payment in the amount greater than what was soon to be due, Synchrony placed a hold on the payment for 5-7 days before they will fully credit it to my account. I inquired why they were holding the payment since it has already cleared the bank and does show on the Synchrony website as being applied ; the customer service rep stated " because that's how we process large payments, we place a hold on them ''. I requested the representative direct me to the language in the pamphlet I received with my credit card that advises me Synchrony can place holds on applying payments, that have already cleared the bank, to my account. The customer service rep stated that the pamphlet does not contain any such language, its just " something we do ''. I have never missed a payment, never had a late payment, never bounced a payment and yet Synchrony took the money and will not provide me the credit for doing so. Furthermore, the service rep advised me if I would have waited until the due date and paid just the minimum due- no hold would have been placed on the account. It appears Synchrony is " punishing '' those who can afford to pay off their balances and then refuses to credit them the payment in the " amount to spend '' for 5-7 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL CREDIT SYSTEMS says opened XX/XX/2016 balance reported {$3700.00}. Submitted executed contract that clearly states the account is to be deleted by property management company and that the balance reported was never correct and they refused to delete. XXXX and XXXX   deleted the account after receiving the executed contract and investigating, XXXX chose not to. In addition, XXXX will not allow a dispute though it has been over 2 years since the last dispute date and claim they will not allow me to dispute the fraudulent information again in the future.
Product: Mortgage

I have a Mortgage with M & T Bank.Last month I wrote my bills, including the mortgage, on XXXX XXXX. My payment would not be late until XXXX XXXX, three weeks after I sent my payment. I watched my account to be sure that they all cleared. I have never been late with my payment. I called the bank, and they told my that payments go to a payment center. Then she wanted me to make a payment by phone. I told her I could not afford to make a double payment. She tried to push me into electronic payments. I told her no. She said we would wait a few more days. The check finally cleared on the XXXX of XXXX. I am pretty sure that they held my payment back on purpose. I absolutely do not want this. I want my paper statements.
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXXand Experians data breach and have made dozens of attempts to have the error removed from my report as a result of the breach. However, Experian refused to address my concerns and update my report accordingly. The information listed below, which appears on my credit report, is the result of that trafficking and the data breach and under 605C of the Fair Credit Reporting Act, all must be blocked from my credit report.
Product: Credit card or prepaid card

My wallet was stolen from my car on XX/XX/2023 with the Gemini Credit Card in it. 
The theft happened in XXXX Texas where I live. I advised the local police of the theft and no one has been charged to date. Two other credit cards, XXXX and XXXX XXXX were stolen too. Both had charges of {$2000.00} each from XXXX XXXX. XXXX and XXXX XXXX both advised me that the charges were removed after investigation. 

Called Gemini credit card company the same day it was stolen, XXXX. 
Also emailed the information about the theft via the communication portal at their website on XX/XX/2023 The stolen credit card was used to charge {$2900.00} at XXXX XXXX, XXXX XXXX XXXX. 
In spite of advising Gemini of the theft their response was a letter of XX/XX/XXXX stating " completed an investigation and determined it was not a billing error '' I called again on XX/XX/XXXX twice and spoke to two different reps. They are located in the XXXX and said there is nothing they can do and there were no supervisors that I speak to. Please help.
Product: Checking or savings account

I have two issues with accounts I recently opened with Regions Bank. I opened these accounts after receiving a promotional offer mailer advertising a bonus for opening a new checking and/or savings account. I opened both a checking account and a money market savings account, and have received the {$400.00} bonus that was advertised to me. So far, so good. 

XXXX ) The issue began when I went to close these accounts, as I opened them only for the bonus offer. The branch employee informed me there would be a {$25.00} " early closure '' fee for both accounts because they had to remain open for at least 6 months, as part of the promotion. This early closure fee was not disclosed anywhere on the promotional offer ( images attached for reference ), nor anywhere that I recall during the account opening process. Note that I work in consumer protection compliance for a large national bank ; in other words, I read the fine print. So I was more than surprised to find out about these fees only through the ( very helpful ) branch employee. This is material information that may have affected my decision whether or not to open these accounts. Given both the CFPB 's and President Biden 's recent advocacy against junk fees, and against deceptive practices in general, it's surprising to me that Regions would try to impose a fee like this ( on a promotional offer, no less ) without at least disclosing it to customers. 

XXXX ) The second issue is specific to the money market savings account. I was recently charged a {$12.00} fee that, through research, I believe is for for not maintaining the required minimum account balance. ( I say through research because my statement gives no detail on what the fee is for ). I'm fairly certain the minimum required balance when I opened my account was {$2000.00}, because that's how much I put in the account ( i.e. I didn't choose {$2000.00} at random ). There is nowhere that I've found in my account info that states what my minimum required balance is ( super helpful ), but looking at other Regions accounts it appears to be {$2500.00}. I'm not sure if this changed after I opened my account or what happened exactly. I won't say it's impossible that I read the min balance wrong, but again, I can't imagine I would've chosen to deposit {$2000.00} if I knew the minimum required balance was {$2500.00}.