23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX filed on XX/XX/2013 # 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX  XXXX {$2600.00} XX/XX/XXXX XXXX  XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$650.00} XX/XX/XXXX XXXX  XXXX {$550.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX12/16 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio Recovery at XXXX XXXX XXXX, XXXX, VA XXXX has been sending collection notices for 3 separate accounts in the amounts of {$2100.00}, {$2400.00} and {$2500.00} respectively. The collections have been reported as a past due balances. I do not know this company and I have never done business with this company. Portfolio Recovery does not have a contract with me with my signature.
Product: Checking or savings account

Bank of America- ACH Fraud/ money was fraudulent ly take. From my checking and all my savings/ called bank immediately. Was promised mo ey would return to account with 24-48 hours- one week tomorrow and still no money returned. This
Product: Credit card

I got a preapproved credit offer in the mail for a Milestone credit card. I already have a card with XXXX XXXX. Trying to get my credit better so I decided to to fill out the application & was approved for {$700.00}. The card came in the mail around the XXXX of XXXX, so I went online to activate it & that's when I saw the amount owed for {$170.00} as an annual fee. So on XX/XX/23, I typed a letter asking them to close my account & to tell them I did not want their credit card because I have never in my life heard of a annual fee being that high for a {$700.00} credit limit. So I enclosed the card with the sticker still on it with the letter, took it to the post office & sent it to them via certified mail with signature & card return. Got a letter from them on the XXXX or XXXX of this month stating they will close my account but I still have to pay the {$170.00}. That is XXXX  XXXX because I have no annual fee with XXXX XXXX & my credit increased from {$300.00} to {$1800.00} within 3 months. There was no way I would have signed for Milestone 's card knowing the annual fee was that high. I just got my credit score up XXXX points & now they are trying to make me pay for something I no longer have or want. That's why I am writing you because I am not going to pay them {$170.00} when one, I was lied to, two, I no longer have their card, & three, never used it at all, just sent it back to them with the sticker still on it. All I want is my account closed & them removed off my account because they are fraudulent & trying to rip people off with that high annual fee for that small amount of credit.
Product: Credit reporting or other personal consumer reports

PER FCRA, as a federally protected consumer, I am now opting out of any and all authorizations or consents to report that I, the consumer may have given you, written, non written, verbal or non verbal. PER 15 USC 6802 ( See attached opt out letter ) EFFECTIVE : IMMEDIATELY & INDEFINITELY. DATED BACK TO XX/XX/2023 PER PRIVACY ACT AND YOUR TERMS & CONDITIONS YOU HAVE VIOLATED MY NON PUBLIC IDENTIFIABLE INFORMATION AND I ASSERT MY RIGHTS AND DO NOT GIVE CONSENT FOR MY INFORMATION TO BE SHARED WITH ANY AFFILIATES OR THIRD PARTY AFFILIATES ie : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX etc...
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts were properly investigated but how was that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reporting is inaccurate, that is grounds for removal and they also violated my rights under the 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 Section 2 : It also reports consumer reporting agencies can not furnish a account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified ; that i  have disputed. please resolve this issue immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told this company repeatedly that there have been fraud on my accounts and that they are not mine and I ask them to verify information showing my signature and they have yet to do that.I have told them about police report and trade fraud report as well, I would like these deleted off my profile with any other negative remarks, I have also received information from companys such as XXXX and XXXX about data breaches
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my account on auto-pay. The bank account associated was closed. Capital One Auto finance did not notify me that auto pay has been cancelled. After miscommunication, 30 day late payment appeared on XXXX, XXXX, XXXX. The account was immediately rectified and paid current. XXXX XXXX refused to remove late payment from credit report through goodwill that I was now current. The error was with autopay on their end. This late payment occurred XXXX of XXXX and the amount was {$170.00}.
Product: Mortgage

My lender, Chase sent a check for a perceived overage in my escrow account of about {$1400.00}. The escrow account went negative due to the shortage and they want nearly {$2000.00} or my payments will increase from XXXX to over XXXX dollars a month.
Product: Debt collection

Subject : Request for 1099 for Written-Off Debt Dear Synchrony Bank Customer Service , I hope this message finds you well. I am writing to formally request a 1099 form for the debt that Synchrony Bank wrote off and reported to the IRS. I understand that this write-off resulted in a credit to Synchrony Bank for a loss, and I would like to ensure that I have the appropriate documentation for my records and tax filings.

Additionally, I have noticed that this debt is still being reported as a loss on my credit report. Having the 1099 form will greatly assist me in addressing this matter with the IRS and provide clarity regarding my financial situation.

Please let me know if there are any specific procedures I need to follow to obtain this document. I appreciate your prompt attention to this matter and look forward to your response.

Thank you for your assistance.
Product: Checking or savings account

Someone get into my account using my debit card number and wiped out my entire checking account. Wells Fargo should have contacted me to let me know of suspicious transactions but they did not. I never made those transactions which I reported to Wells Fargo. When I looked at the complaint I filed today, they put that I " did not remember the transaction, '' That is absolutely not what I said. They canceled my debit card but today I find that although the card was canceled, they still let someone make a transaction using the " canceled '' debit card number. I explained that my direct payments to companies are being denied and I need them to put my money back in my account I can not buy groceries, pay my rent, or buy gas because all my money was taken. 
I am of the opinion that someone in the bank itself is either in collusion with whomever is committing the fraud or a bank employee is doing it. This is the third time in XXXX years this has happened to me with my Wells Fargo account. 
I believe that lots of other people are similarly situated and we need to start a class action so this practice can stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and correct the following information in my file. I HAVE REACHED OUT NUMEROUS TIMES PERTAINING THIS MATTER IN THE PAST FEW MONTHS!!! XXXX, XXXX AND EQUIFAX ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ON MY CREDIT REPORT. ACCORDING TO TH FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY LAW TO VERIFY, THROUGH THE PHYSICAL VERIFICATION THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU REPORT ON A CREDIT PROFIL. OTHERWISE ANYONE PAYING FOR YOUR REPORTING SERVICES COUL FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 

I demand to see verifiable proof ( i.e : and original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed IMMEDIATELY!
Product: Checking or savings account

TCF Bank  stole XXXX me. They took money out of my account with the promise they would send a check to XXXX XXXX. They didn't send the check to XXXX XXXX. They took my money, then farmed out the check writing to a 3rd party named XXXX. When I complained on XX/XX/XXXX that they never sent the check to XXXX XXXX, an employee named XXXX told me she would not accept my complaint and would do nothing to help me. She told me to call next week and complain to somebody else because she was not willing to take any responsibility to send my complaint to the appropriate person. This is the 2nd time in the past 6 months they did this to me. They also stole XXXX on XX/XX/XXXX when they took money out of my account but did not send the check to XXXX XXXX. They said they refuse to notify customers when they have an error/trouble processing a check, and they refuse to balance their books, so any time they fail to mail a check to a recipient, they just keep the money and never tell the sender ( me ) that they didn't write the check or it wasn't cashed or whatever. Employee XXXX told me it was my job to call TCF during hours when it was convenient to TCF ; if it's not convenient for the employee, the employee just washes his/her hands and does nothing about the theft of my funds. I won't beg them to write the check I paid them to write. I won't waste my time begging them not to steal from me. I will let them pay {$400.00} per hour to an attorney to answer this complaint from the government. Maybe then, XXXX won't be such a XXXX  about my complaint of theft.
Product: Credit card

I am a senior that has been bamboozled by Amazon and Amazon Chase Visa. I obtained a Chase Visa card in XXXX ending in XXXX. I cancelled it in XXXX and ripped up the card. I had not used Amazon for a while. I used in XXXX and accepted the " bait and switch '' offer for Amazon Prime. I would get 1 month of it for free. Amazon kept changing my default credit card without my authorization for purchases and claimed I opened XXXX accounts. Amazon Chase Visa did not give me a free month of video- they charged my XXXX XXXX  {$8.00} on XXXX after not allowing me to sign up for the annual membership when my free month ran out. Amazon Chase Visa set up recurring payments so they could help themselves to my money after totally confusing me. 
I purchased products on Amazon and put them on my XXXX XXXX XXXX. Amazon Chase Visa switched the payment to the Chase Visa Card without my permission. When I discovered what they were doing, I again cancelled the Chase Visa Card and told them to not issue any more cards. They issued another card without telling me. That ended in XXXX. After making more purchases on Amazon, the charges went on another Amazon Chase Visa new card ending in XXXX. The representatives at Amazon and Chase Visa asked me for my social security number and it ended on the Dark Web on XXXX where I had to freeze my account and issue fraud alerts to all three credit reporting agencies. 
I was charged 3 times. {$8.00} on XXXX XXXX with recurring charges. Amazon then charged the Chase Visa account {$15.00} on their card for 1 month. I had ordered an annual service but they lied about that. I was charged {$140.00} after being told an annual membership was {$130.00}. They charged my XXXX XXXX XXXX. Then I purchased more products and unbeknownst to me, they used another Chase Visa Card they set up as my default Credit Card on Amazon ending in XXXX but lied about it. I called Chase Visa and Amazon and the people who lied to me were : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. If they refused to cancel the cards, they hung up on me. They shut down my online account where I could not see the charges. I received a bill in the mail for {$63.00}. They put more charges on another Chase Visa card for {$47.00} withtout my authorization as I had set up the default credit card to my XXXX XXXX XXXX. 

I want them to give me a credit for all charges for the bad business practices. 

Investigate and hold them accountable for unscrupulous business practices.
Product: Debt collection

On Monday XX/XX/2018 I received a voicemail from a XXXX XXXX XXXX from the " XXXX XXXX XXXX XXXX XXXX. '' He stated in the voicemail that I had 3 criminal charges pending against me and if I did not call him they would start criminal proceedings and have me arrested. I, not knowing what this about, called him back and left a voicemail message with my name and phone number asking that he return my call. This morning XX/XX/2018 at XXXX XXXX I got a return call from a XXXX XXXX XXXX " an attorney representing XXXX, '' stating that I had 3 criminal charges in the State of Texas for stealing money from a payday loan company. He would not tell me which company. He stated that within hours the police would be at my job to arrest me, my fines now were at {$5400.00} and that they would only grow if I didn't pay now before the police got involved. 
I asked again who was the original creditor and he refused to tell me except to say that XXXX represents a family of payday loan companies. Since I didn't offer to pay the money, I presume the policy are looking for me.
Product: Mortgage

On XX/XX/XXXX, the mortgage company informed me that my mortgage was in foreclosure status and I had to pay the full past due amount of {$9500.00} via XXXX XXXX to keep my account from being assigned an attorney. On XX/XX/XXXX, I paid {$9500.00} via XXXX XXXX. The payments were broken down into three payments {$4000.00} - {$1500.00} - {$4000.00}. I had to break them up because XXXX XXXX will only allow you to send a specific amount at one time. All of the payments were sent on the same day. I called the mortgage company from XXXX XXXX and provided them with the tracking numbers. This should have made my mortgage current with my next payment due in XX/XX/XXXX. 
I called the mortgage company about a week and a half later because I did not see my account updated in full ( missing {$4000.00} ). The mortgage company stated they needed to do research on the payment in order to locate it. I have called almost every other week looking for a resolution. The mortgage company has told me on at least three occasions that they were going to initiate a new research on the payment. On XX/XX/XXXX, I inquired as to why it's taking so long to update my account. On XX/XX/XXXX, the mortgage company stated they were waiting for me to send in receipts. However, no one ever asked me for receipts. I then hung up the telephone with the bank and immediately faxed all of the receipts. I followed up with a telephone call the next week to inquire about the status. I was told they received the receipts but again that they needed to research it. On XX/XX/XXXX, I was informed that the research was completed but the money was not located. I then questioned the whereabouts of my {$4000.00}. I was told they were going to research the payment again. On XX/XX/XXXX, I was informed that my {$4000.00} was sent back to XXXX XXXX on XX/XX/XXXX and my account is still behind. XXXX XXXX informed me that the {$4000.00} check they sent to the mortgage company was cashed and they do not have a record of the monies being returned. 

Concerns : Only two of the three payments were posted in XX/XX/XXXX although all three payments were made together. 
The mortgage company cashed the check with the missing {$4000.00} Why would the mortgage company send the money back on XX/XX/XXXX instead of posting it to my account Why would the mortgage company continue to say they couldn't locate the funds when in fact they cashed the check. 
How can they send my mortgage back into foreclosure status when I paid the money as agreed.

This is still unresolved almost four months later, my {$4000.00} is missing and they have stopped applying payments to my mortgage. 

I'm concerned about sending them more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

in my credit report appear several companies that never I was soliciting o take a credit from there, somebody using my information to get those credits. all these charges is damaging 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 I called all this companies but they said don't have any account or purchase with my name or itin number, this charges only appear in experian credit report, but they said can't access to those accounts
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Equifax for not removing a closed charge-off account from my credit report despite disputing it three times. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ). 

The account in question is beyond the seven-year reporting period allowed under the FCRA. The charge-off occurred more than seven years ago, from the date of first delinquency, and should have been removed from my credit report. Both XXXX and XXXX have already removed the closed charge-off account, but Equifax has failed to do the same. 

Please assist in ensuring Equifax complies with the FCRA and removes this outdated account from my credit report. 

* Attaching credit reports from XXXX and XXXX to show closed/charge-off account arent being report by them* Thank you
Product: Credit reporting or other personal consumer reports

fraudulent unauthorized activity on my account with inquiries from XXXX XXXX XXXX XXXX dealer XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX emailed me a notification that dispute results were available. Those results are false and XXXX is knowingly providing false information and reporting unverified information on my report.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I received a notification from Experian stating my FICO decreased in XXXX points. I've tried getting in contact with the bureau but I've had no success. All of my payments are on time and paid in full. 

On the Experian app, I compared reports from XX/XX/XXXX and XX/XX/XXXX. The balance of the XXXX bank account increased by {$180.00}, but I always pay My Statement balance in full each pay period.