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

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

Convergent 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 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: Prepaid card

I used my American Express Points to purchase two {$500.00} gift cards and one {$50.00} gift card. I have made several attempts to use each card but each transaction has been declined.

I called the number on the virtual gift card, the number in the back of my American Express gift card and three other phone numbers provided by American Express with no resolution. The two most recent phone numbers given to me by the company were XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

Have a checking and savings account with XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I subscribed to a trial - 30 day- XXXX + XXXX. I cancelled before the 30 days. XXXX debited my account for XXXX in XXXX then the charge disappeared. Then I was charged again. XXXX XXXX said they filed an escalated complaint. both tooj my dispute said I was to get affidavit in mail. never arrived. went into local branch XX/XX/XXXX. filled out affidavit. received letter today. botw is denying it. went back to branch. they still will not refundm
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX partial account number XXXX - is reporting incorrectly to Transunion a late payment in XXXX. ( Please see page 3 of the attached credit report. ) The company offered an extension but failed to input the extension correctly into their system and consequently this resulted in a late payment being reflected on my credit report. This incorrect reporting is harming my credit score.
Product: Money transfer, virtual currency, or money service

Asked for assistance over a month ago ( XX/XX/21 ) with issues with my account. I've been locked out due to having no 2FA codes for my account. It asked for 2FA codes even though I had not set a 2 step factor authenticator.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see letter is submitted to honda in attached. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted minimum 3 disputes per account below through credit karma to XXXX XXXX and XXXX with no help. 

The following inquires are not mine, I have no knowledge of them : XXXX : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a couple of accounts on my report that do not belong to me they are identity theft related and I have already sent letters to them and my police report and they still have not fixed the issue. One issue is a chase account on XXXX XXXX XXXX ( XXXX ) C/O ( {$61000.00} ) XX/XX/XXXX XXXX  and the other is a XXXX on Equifax XXXX XXXX ( XXXX ) C/O ( {$14000.00} ) XX/XX/XXXX XXXX. 
I also have multiple inquiries on my XXXX and XXXX report that they have not removed even after sending a letter along with my police report. XXXX inq 's XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. I do not have any business, knowledge nor association with these companies nor do they bare my signature on any documents. Please delete and remove these accounts for this is identity theft. 

Account Name : XXXX Account Number : XXXX Amount : {$15000.00} Account Name : XXXX Account Number : XXXX Amount : {$150.00}
Product: Student loan

I have been receiving student aid to attend classes full time since the XXXX of 2012. There is an old XXXX loan that showed up on my account and has been included in the total of outstanding loans. A law firm has taken the loan and put it into default status which has put a hold on my student aid for this Fall semester. I am on the XXXX XXXX XXXX at XXXX XXXX University with a XXXX GPA. I have XXXX classes remaining to graduate. If I do n't get my student aid, I can not take my classes which I 'm registered for and ultimately wo n't be able to graduate. There is currently grant money sitting on my student financial aid which can not be released because of this. I 've contacted the original loan servicer which is XXXX XXXX University, they told me to contact the Ohio Attorney General 's office and they directed me to the law firm. The law firm is Law Offices of Robert A. Schuerger Co. , LPA, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. XXXX. They told me there was nothing they could do and that I had to repay the entire loan plus extra fees and interest. The total amount is impossible to pay and I explained that I 've been enrolled in school full time for 5 years. In addition to that, the loan shows up on my list of loans two times with one showing default and the other as deferred. This also increases the total of my outstanding debt. If this is n't resolved so I can graduate, I 'll have wasted 5 years and gone into deep debt with no hope of getting a better paying job which would also enable me to pay off all of my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureas letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies.
Product: Checking or savings account

Chase Bank fraudulent transaction Claim # XXXX closed per Update letter XX/XX/19 and removed XX/XX/19 credit of {$3000.00} from account XXXX XX/XX/19 while XXXX took care of a coworkers identical fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 a dispute was made with XXXX, XXXX  and EXPERIAN in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit report
Product: Vehicle loan or lease

My credit files indicates that someone opened a loan / lease on XX/XX/2016 these ar ethe providers and I had not authorized the parties to use me this is effecting my credit and or ability to get credit tieing up my score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for around XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I can never utilize the Transunion website to look at my credit report, open disputes, or place and or remove security freezes. For almost 10 years, i always have to call and the website always says the online center is never available or down.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX - CARD SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To whom  it may  concern, I faxed over a letter   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     in order to dispute information, in regards to a collection with  XXXX   XXXX  that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request   XXXX   XXXX   XXXX    . The request I submitted was a collection that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be   investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for this collection with   XXXX   XXXX   being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2024 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Duplicate Reporting of Charged-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charged-off account that is being inaccurately reported twice on my credit report. This account, which has been sold to XXXX XXXX, is listed both as a charge-off by Capital One and as a collection account by XXXX XXXX. This duplicate reporting is not only inaccurate but also a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be accurate and not misleading. 

The details of the account are as follows : XXXX. **Original Creditor : ** Capital One XXXX. **Account Number : ** XXXX XXXX. **Collection Agency : ** XXXX XXXX According to the FCRA , specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information on my credit report. Reporting the same debt twiceonce by Capital One and once by the collection agencyconstitutes inaccurate and misleading information. 

I request that Capital One immediately correct this error by removing the charged-off account from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. 

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

My account with AVA FINANCE was never late! I have had exceptional payment history with AVA FINANCE and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

AVA FINANCE Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I have been trying, since XX/XX/2022, to have our current mortgage company, CrossCountry Mortgage, run an escrow analysis due to them overcharging our escrow account. We are in a new construction home, so our property taxes were estimated until the new XXXX XXXX XXXX  taxes were updated for this year. I contacted them again on XX/XX/2022 via email with our taxes for XXXX  and requested an escrow analysis- I was told this would be reviewed and completed. I contacted them again on XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on the escrow analysis- I was told it only takes 4 business days to complete, but up through today, XX/XX/2022, there has been no progress. They have overcharged us by thousands of dollars and seem unwilling to issue the refund we are due from their overcharging our account. 

Additionally, we have our homeowner 's insurance policy through XXXX. I contacted them today because I noticed that we are being charged through our personal checking account every month for this, even though it is being escrowed by CrossCountry Mortgage. The XXXX representative I spoke to today said that they have requested the payment from CrossCountry Mortgage, but were ignored, so they charged us directly.

CrossCountry Mortgage is not responsive to myself or my insurance company and this seems both unprofessional and negligent. We have made every payment that is due on time and our loan is in good standing.
Product: Debt collection

They have called at XXXX in the morning to sometimes XXXX at night, when I answer, no one will say anything, they just hang up, they call 5 to 7 days a week, will not leave a message and sometimes I will hear music in the background. I have asked them to stop calling if no one will answer and they continue to do so. I have checked sites where there is complaints about this happening to them with this same number.
Product: Payday loan, title loan, or personal loan

I received a line of credit from Synchrony bank in XXXX of 2017. I was not notified of payment dates and when I contacted the bank I learned that {$200.00} was added on to the principal up front. The origin amount of the loan was approximately {$5600.00} and the amount that I owed Synchrony less than a month after the loan was given was approximately {$5800.00}. I also learned there was a {$10.00} fee to make a payment with person VS. an automated system. The automated system only gave the option to speak your answers and got my my information incorrect 4 times. I paid the loan off in order to protect myself from any further fees that may be added to the loan.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803.

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 an account without my written instructions.
Product: Checking or savings account

I opened an AnyDeposit Checking Account with Bank of the West on XX/XX/XXXX. There was a promotion of {$150.00} Bonus if I did certain requirements. {$100.00} for a Direct Deposit and another {$50.00} if I used my Debit Card to do 10 POS Transactions during the 2 months following the month I opened my account ( i.e. XXXX and XXXX ). It was mentioned that the payment will be issued by XX/XX/XXXX. Yet I received nothing. 

To be sure, I talked few times with the customer service. Once was on XX/XX/XXXX for some general questions about the bonus. Once on XX/XX/XXXX to confirm that I am eligible and that I am doing the right steps. Then once on XX/XX/XXXX ( after I fulfilled all the requirements ). I was told then that I QUALIFY and I SHOULD BE receiving the bonus by XX/XX/XXXX, On XX/XX/XXXX, I gave Bank of the West a call asking them if I will be receiving the Bonus in the next 2 days ( I've known people that have already received their bonus by mid of XXXX or a little bit after ). That's when a supervisor informed me that I don't qualify cause someone from Mid of XX/XX/XXXX until mid of XX/XX/XXXX claimed the same bonus living at the same address I am in ( I am aware of this fine print detail ) .However I have been living at the same address since almost 2 years and I've asked other tenants residing in the same address if they actually deal with Bank of the West , None had any accounts with Bank of the West. 

I am not sure how Bank of the West is claiming that someone residing in the same address collected the same bonus over the last 2 years. It is clear that they don't want to pay out the bonus. I stepped into a Bank of the West in XXXX to try to resolve the problem. This was on XX/XX/XXXX and I've spoken with the branch manager and promised to call me the following day after consulting with the office that is responsible for paying out the bonuses. Branch manager didn't call me. I went once again on XX/XX/XXXX, then I was promised that I will receive a call after few hours. Nothing again. Today is Monday XX/XX/XXXX and it's already almost XXXX XXXX  and I didn't received a phone call today as well. 

Unfortunately due to the above circumstances and the failure from bank of the West to resolve the problem, I decided to escalate this issue to the CFPB.
Product: Checking or savings account

On XX/XX/2020 I found that someone had hit my account with 46 transactions that were pending and I had no funds left in my account. I contacted Current Bank and told them about the transactions that were pending and was told that I would have to let them go through and then dispute. I did all that. Its almost {$1400.00} if my money thats been gone now for 90 days. I contact them several times about my dispute to be told Im still just going to have to wait, the dispute team is on it. I then ask again today to make sure that my money would be back in my account on the XXXX since it is their last day for a decision on this dispute and was told it may be longer now. Im done waiting on my money and feel that this bank has done nothing to return it. I have all information that they wanted which isnt much because I have no clue what XXXX even is, but I turned in my dispute paperwork promptly. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instructions. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

While staying in XXXX XXXX, I paid rent on-time every month. When I moved out at the end of my lease everything was okay. The apartment was inspected and I received my full security deposit back with no issues. After moving, the apartment complex put fraudulent charges onto my credit account for {$550.00}. This is unfair and criminal.