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 confidentially under 15 USC 1681. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

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

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I notice tonight that my Credit report had a hard injury on it that I know nothing about. The company is XXXX XXXX. I did n't try to get a loan with this compay. Could you please get this checked out for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Help, Help, Help. 
Equifax Credit Bureau Company is ruining my credit score and having my credit report full of false information. XXXX  XXXX XXXX XXXX, XXXX, notified me today, on XX/XX/2021, that Equifax XX/XX/2021 had lowered my score and added a negative statement to my report. Equifax has lowered my score and ruined my report because the company received information from XXXX  ( The Mortgage Company ) that my account is delinquent. I do not have any delinquent accounts ; I repeat, I do not have any delinquent accounts. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. Equifax Company must stop building its decisions on false information. The company has to change back my score and report to where it used to be.
Product: Debt collection

My rights were violated according to the laws by the creditor 12 CFR 1006.34 ( B ) ( 5 ), 12 CFR 1006.34 ( C ) ( 4 ) ( I ), 12 CFR 1006.34 ( D ), and 15 USC 1681-S 2 ( 7 ) ( A ).
Product: Payday loan, title loan, or personal loan

XXXX XXXX I was connected with XXXX in the delinquency control department during this recorded call said that if I brought my loan ending in XXXX current my monthly payment would be {$150.00} per month so I agreed and brought my loan current. I called back later that day and spoke to XXXX who also confirmed that that my monthly payment would be {$150.00} per month. After bringing my loan current my account page at www.penfed.org showed a monthly payment of $ __.__ This changed in XX/XX/2022 to {$590.00} per month. I have been making the agreed upon payment of {$150.00} per month but Penfed has damaged my credit stating that I am past due. I have spoken to XXXX 's supervisors XXXX on XX/XX/2022 and XXXX XXXX who have been able to access the recorded call between myself and XXXX on XX/XX/XXXX and both have acknowledged the terms XXXX told my of {$150.00} per month. They said XXXX 's employment with XXXX has ceased and that she made a mistake and that the monthly payment should have been {$590.00} per month. They can't help me resolve the situation.
Product: Mortgage

The company has not remitted my property taxes since acquiring my loan last quarter. I have engaged in discussions with several members of their tax department since XXXX of last year when I received an overdue notice from my town tax department, with payment due XX/XX/XXXX. Since then, I have consistently contacted the mortgage company regarding immediate payment ; however, I was advised to follow up after one week. They asserted that they had dispatched the payment, yet it failed to process successfully. They indicated a requirement to investigate and rectify the issue with my town 's tax collector. The current quarter, due on XX/XX/XXXX, is also outstanding. I have maintained communication regarding an immediate resolution since XX/XX/XXXX. I received a recurrent response indicating their acknowledgment of the overdue status, the necessity for further investigation, and a commitment to resolution within XXXX days. Below is a record of my communications : - XX/XX/XXXX : I conversed with XXXX, who advised me to follow up in XXXX business days. 
- XX/XX/XXXX : I was informed that a check would be sent via XXXX to the tax department. 
- XX/XX/XXXX : My tax balance continues to show as unpaid, accruing interest and penalties. I called again to inquire and was told to check in XXXX days. 
XX/XX/XXXX : The account still has a past-due status. I verified this with XXXX from the mortgage tax department, who assured me that my payment request would be addressed. 
- XX/XX/XXXX : I spoke with XXXX, and the situation remained unchanged. 
XX/XX/XXXX : I contacted my town 's tax collector and was informed that they had not received any documentation from the mortgage company. 
- XX/XX/XXXX : I spoke with XXXX, who mentioned that a request for verification had been initiated and instructed me to wait for XXXX week. 
- XX/XX/XXXX : My final communication was with XXXX, who informed me that my request was already registered in their system and suggested I call back on XX/XX/XXXX, for a status update. 
Subsequently, I checked with my town, which indicated severe delinquency regarding my tax obligations. Furthermore, I received a letter dated XX/XX/XXXX, informing me that my escrow would be increased due to a shortage. I have commenced new payments beginning this month, XXXX.
Product: Checking or savings account

On Wednesday XX/XX/XXXX my primary checking account was hacked for {$9900.00}. A complaint and claim was filed at the bank ( Citizens Bank ) the same day and new savings account was opened to transfer most of the remaining funds. At this point I had 2 checking accounts and 1 savings account. The one checking account was hacked and only credit transactions to come in, no debit transactions. Some money was transferred to another checking account to stay active for monthly bills. On XX/XX/XXXX this other checking account was also hacked for {$1200.00}. Another claim was put Into the bank the evening of XX/XX/XXXX. There was supposed to be a hold on all accounts starting on XX/XX/XXXX so that no other debits could be made from any of the 3 accounts ( 2 checking, 1 savings ). When I woke up today ( XX/XX/XXXX ) I checked my accounts and there was a debit from my savings account for {$9700.00}. This saving account was a brand new account opened on XX/XX/XXXX when I went into the bank in person to put a hold on my account and transfer money into savings. At this point I believe these incidents are identity thief. Someone has access to all my banking information, my signature, and probably my social security number. Almost 3 different accounts were hacked for over {$20000.00} in less than a week. I am extremely disappointed in Citizens Bank for letting these transactions happen and will no longer be banking with them after this is resolved and the money is returned.
Product: Debt collection

XXXX hired Jefferson Capital Systems , LLC to collect a written off debt that was discharge under 48 stat. 162, 31 CFR 363.144.
Product: Credit card

Synchrony Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear sir, I have received an email and two letters regarding my closed account of TJX Rewards Platinum Mastercard XXXX At first, I need to check one important thing. The ending account numbers referred in an email, two letters, and the past bill are different. There are two ending account numbers XXXX and XXXX, all of them indicate my name, XXXX XXXX, and the residing address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 
-- The bill which I have paid off recently has the account ending numbers XXXX, which has the billing address TJX Rewards/SYNCB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-- The letter prepared on XX/XX/year> has the account ending number XXXX, and office address is Synchrony Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
-- The letter prepared on XX/XX/year> had the account ending number XXXX, and office address is Synchrony Bank, XXXX XXXX XXXX, XXXX XXXX XXXX. This letter explains why the Rewards of my credit cards are not usable as it was closed. Since this letter says the card ending XXXX is closed, even if this card ending XXXX was fraud credit, I am fine from the threat of illegal charging to me. Anyway, from the beginning, I want to ask why Synchrony Bank indicates there might be another credit card named on my name, XXXX XXXX, without any inquiry. I want to make sure there is not a credit card ending XXXX with my name, XXXX XXXX. 
-- An email which indicates the payment is processed has the ending number XXXX. And this email has origin of Synchrony Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I just want to make sure the payment of my spending is processed correctly on my credit card issued by your company. Also, I want to make sure the credit card is closed permanently. 
The letter prepared on XX/XX/year> asked the consumer to initiate your company for an investigation and flag my information into your system to prevent additional accounts from being opened in my name without additional verification. Since there are two account ending numbers which are XXXX that I am familiar with and another ending number XXXX with my name, but I never had this card, I request the further investigation whether your company allowed to open a card in my name without necessary identity verification. As I am already tackled with all credit report companies, I will not do anymore. And I also has the identity theft report from FTC, still, your company innocently asked me to act necessary actions for fraud, I just request further actions the aftercare of fraud activity and identity theft caused by your company. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received a voicemail from a " unidentified '' debt collector but the representative left the name of XXXX XXXX  who told me that I had a payday loan that I did not pay and they were going to file charges in XXXX   County on Monday and the call was to make me aware of that because they were not able to get in contact with me but, that I can call the legal department at XXXX  to discuss the matter with a case # XXXX. They were going to locate me and contact my employer if I did not call back so it was imperative to call immediately.

On XX/XX/XXXX, I called the number back only to be asked for the last four digits of my social to verify that it is actually the person who owns the debt. I was then told that the account was locked and that they needed to get a paralegal to unlock the account because it was going to be filed on Monday so he had to place me on a brief hold. ( Already Suspicious The guy gets back on the phone to ask me if I remembered taking out a loan out with Ace Check Cashing in XX/XX/XXXX and that I failed to pay the balance of {$440.00} and the amount now that will be filed for in court is {$1400.00} if I could not pay the original amount today. I also will be charged with defrauding a business and using a financial institution to do that. I honestly do not remember the loan as I took out a few of them and my account was closed due to fraud ironically but, that if I owed this amount I would want to settle the debt, just in installments because I could not pay the entire amount today. The gentleman asked me about my pay dates and if I had a bond trace that I could secure via credit card or debit card with a visa logo on it.

I agreed and I told him that as soon as he sends me documentation of what I owe and who this is going to then I would be more than happy to set up a payment plan. He told me that they do not do this and that they could only send me a dismissal of debt letter when I have completed the payment. I told him that I can not give out my bank information without knowing where it is going and he told me that he would notate the account with my concerns and why I could not pay and told me " good luck in court ''.

This to me is a scam or something because it is not a legit business practice to ask for financial information and not supply you with who they are. This company needs to be investigated for fraud and I plan on reaching out to Ace Check Cashing because if I owe them money then I want to pay.
Product: Mortgage

My complaint has already been submitted XXXX, very dissatisfied with their response .I feel they were fraudulent or incompetent! They had all documents and it was understood that insurance and taxes were to be included in my mortgage payment .I was lead to believe {$1500.00} would be my bottom line payment.Someone on there end messed up bad and am I to pay for their mistake .Clearly they knew I wanted escrow to include fire and home owners insurance along with taxes .They had in there possession on XXXX  XXXX 2021. Why was fire excluded? I only found out because Ca .Fair plan contacted me informing me my policy would be cancelled in days if they did not receive payment .I informed them to contact Loan Depot about this. I did ended up paying {$1700.00} at this time but will be stuck adding {$140.00} month for the duration of this 30 yr loan .This seems illegal to misrepresent loan this way .What is my next step .Is there another agency to report this to. Do I need a lawyer, trying to avoid that. 
Thanks, XXXX XXXX
Product: Mortgage

Please Help! I believe I am being discriminated against by JP Morgan Chase while trying to refinance my home. 
On XXXX XXXX, 2016, I started the process to refinance my home. After checking my credit and sending all the appropriate documents to determine eligibility for the refinance loan, I was approved. I sent all the appropriate documents to the underwriting department ; each time I send the paper work that is being asked. The underwriting department comes back with something else that needed. 
The underwriting has documents and proof that prove I can afford the loan and will pay the loan promptly ; however the underwriting department with JP Morgan Chase bank continues to make the process difficult for me. I am not asking JP Morgan Chase for a favor ; I am just asking to reduce my interest rate through the XXXX program. With my credit score, equity of my home, and mortgage payment history, the interest rate for my current mortgage should not be 7.11 %. 
It has been almost three months since I have been going through this nightmare. I feel I am being discriminated against because I am XXXX. The Bank has proof I can afford the loan, because I have been with my employer for 20 years, and pay all my bills on time. For the past month, every time I check my XXXX XXXX it is above normal. The underwriting department is request information that does not pertain to me paying my mortgage. I have never encountered such discrimination in life. The underwriting department should not judge the consumer by XXXX their skin on the identification card picture sent to them ; but instead by the individual financial status and history of repaying a loan. 
Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

Wrong person got the money and stole it ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTIFIED EXPERIAN AND XXXX XXXX XXXX XXXX THAT THIS WAS NOT MY ACCOUNT AND THAT MY SSN NUMBER AND ID WAS STOLEN SOMETIME BACK I DO NOT KNOW THAT CREDIT CARDS WAS APPLIED FOR IN MY NAME UNTIL I WAS LOOKING TO BUY A HOME AND THE BANK ALERTED ME THAT SOME ACCOUNTS WAS IN A NEGATIVE STATUSThey have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continue to perpetrate fraudulent access of my credit report resulting in a had inquiry. The dispute process on their website does not work and no one answers the phone. I have already filed a dispute for fraudulent access by the dealership and will file a police report if necessary. Equifax has not provided factual evidence of addressing the concern
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX I dispute it claims with Equifax about account. I have not supplied proof of under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 
XXXX XXXX and XXXX XXXX  XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date DC XX/XX/XXXX
Product: Debt collection

XXXX, Equifax, XXXX are purposely messing up my credit scores.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital one misrepresented the 360 savings account as having one of the nations highest interest rates yet failed to notify account holders about the superior rates offered by the performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in saving act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

improper use of my credit report. Sharing false information about me.
Product: Debt collection

I hope this message finds you well. I am writing to address a concern regarding my credit file. After contacting XXXX XXXX about the accounts on my credit report, it's evident they can not provide records for the mentioned accounts. ( XXXX XXXX XXXX ) However, representatives from these banks have acknowledged the situation and agreed to update my credit file.
Product: Credit reporting or other personal consumer reports

DESTINY is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. DESTINY does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit card

i have been a customer with this bank for over XXXX year. never miss and payment never late all way the balance in full, in XXXX my bill was XXXX in XXXX my payment was XXXX so therefore i pay the XXXX in XXXX i pay a XXXX on my account, in XXXX i pay XXXX. talk to the bank they stated that i have no payment for XX/XX/2024 that what so confuse is why there is no payment for XX/XX/2024. ti though that by my pay the XXXX a moth payment. that i did not owe any payment tile XXXX XXXX  i apply for a credit limit increase. and they response back by e-mail reference # XXXX stated that your account has ad a past delinquency over the last XXXX  month and i disagree with bank iam over pay by a XXXX, i believe that my next payment shall be in XX/XX/2024 for XXXX because i have pay XXXX in the last month the bank is wrong. that not how my credit card work/ the bank needed to correct this error. i do not miss any payment on any of my credit card and i got XXXX card. and they are never last
Product: Credit reporting

Hello, I am XXXX XXXX XXXX. My household income is solely based off SOCIAL SECURITY for me and my XXXX children. I am XXXX since XX/XX/XXXX. On XX/XX/XXXXXXXX last known use of all and any type of Internet or Wi-Fi usage for XXXX XXXX. I was XXXX on XXXX/XXXX/XXXX in the county of XXXX. At my residence remained XXXX XXXX XXXX along with my XXXX children. Bank Accounts from me both checking and saving along with XXXX son his Bank Accounts checking and savings were being misuse with out my consent or agree to the transactions occurring on and after XXXX/XXXX/XXXX. I am attempting to gather all and every document needed to prosecute this person/people who still continue to misuse my personal information at will.
Product: Credit reporting or other personal consumer reports

According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed IMMEDIATELY!!