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. 


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

American Express put a negative mark on my experian credit report for a debt of XXXX that I have no knowledge of and has damaged my credit for no reason Ive never done no dealings or buisness with them and I want it removed immediately!! They have nothing to prove thats my debt and this is illegal!!!!!
Product: Checking or savings account

Chase has a ridiculously long agreement ( about 124 pages ), and without clicking to accept it I can not access my accounts online. They seem to want to take no responsibility for protecting my accounts and they want power of attorney over my accounts.
Product: Debt collection

A collection agency contacted me regarding a XXXX balance. I settled for a small amount to clear the debt. It is still showing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!
Product: Credit card or prepaid card

I tried to purchase an item with my walmart credit card and use 6 months no interest feture since I met all requirements. When I called to do that I was informed that walmart is changing banks ( from Synchrony bank to XXXX XXXX ) and this promotional option is no longer avaiable. I complained with the company ( several representatives and supervisors ) and I was told they sent notification about those changes and also this is listed on their website. I reviewed the letter I received ( and called back ) about the bank change and nowhere on this disclosure was listed that I no longer have the option to use 6 to 24 months no interest when paying back my card. This was also not listed on theyr website. The Supervisor I spoke with could not address my concerns or offer a solution. I was only told that Walmart and Synchrony bank are not separating in a good relationship, so they can not do anything about my issues. I find it very disturbing that this important change was done in the first place and also no disclosures were provided to me as a customer. I opened this card only to use this option and buy high dollar items and pay them back on monthly payments with no interest. I believe this is a vaulation of the truth in lending regulations.
Product: Credit reporting or other personal consumer reports

I recently did a review of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, it's hurting my ability to obtain credit. I did not authorize this account.
Product: Credit card

I have a JC Penney store card ( not XXXX or XXXX ). I took advantage of a deferred 18 month no interest promotion which expires on XXXX. When I have current month activity they apply my payments to the promotion first so I incur interest for the current payments each month. I pay enough each month to cover the current charges and make additional payments to pay down the promotion balance. 
When I make a web ( or check payment ) there is no system or mechanism to designate how I want to have the payment applied. I called customer service and it took 5 minutes to go through the voice response unit ( wo n't let you opt out for a representative ) to reach a live agent and go through the ID questions to talk to an agent. The agent said after I make each monthly payment each month ( 60 minutes a year - 12 payments x 5 minutes ) I would have to call customer service to direct how I want my payment applied. This is a whole lot of hassle. My wife wants me to payoff the credit card ( lose the remaining benefit of the promotion ) and destroy the credit card. We will stop buying anything from JC Penney at all ( we do n't have these problems with XXXX XXXX, Lowes or XXXX on their interest free promotions ). 
We also received an unsolicited JC Penney VISZ or MC which we did not activate and shredded.
Product: Credit reporting or other personal consumer reports

On Wednesday, XX/XX/XXXX I had a telephone conversation with a XXXX representative. 
This is on the XXXX day they posted a late payment to my three credit reports ( Experian, XXXX, and XXXX ). I paid my XXXX XXXX account in full with the representative and the representative credited the late charge and kindly agreed to change the account information and update my account to paid on time, never late. I've never been late on any payments since the account opening in XXXX of XXXX. 
XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I see that TransUnion has removed some XXXX XXXX accounts off my consumer report, and it is proof of my claim but has not yet compensated me for the damages caused and also the violations. If this issue can't be resolved, I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Mortgage

Im XXXX dollars behind on payments to second lien. Select portfolio servicing SPS is the servicer, and they have been so difficult during the entire repayment of months of my needing to repay due to Covid 19. I cant see the repayment plan online, nor through the app. XXXX month they took two payments out instead on one but I let them but then I got confused as to what month was due so I was about to make a payment for XXXX before the XXXX because I know it is due no later than the XXXX when I received a letter I am in default!!! Like I said they confused me taking two payments in one month and I can not view into regarding the repayment plan to ensure Im On track. Its hidden information. I have lived here since XXXX and bought it in XXXX XXXX fet begins during Covid now they are trying to take my home I was making the payments like I said I got confused. I receive no statements regarding the repayment plan etc... they want to take my home because they see it has equity I cant get to because my credit took a dive during Covid. They are backing me into a corner. This lurk comes to maturity in XXXX. Why didnt they just let me apply for a loan modification instead of this repayment plan given the situation? I was able to get a job XXXX XXXX XXXX this school year betting about XXXX a month plus planning to teach XXXX XXXX so making great money but SPS is trying to take my home and capitalizing on financial duress caused by Covid 19. What they are doing is not Only wrong ethically but possibly breaking laws. They are pretending to work with me but trying to trick and confuse me through the entire process. They sent me a form for short sale out of the blue, I guess hoping being confused might even sign it. Unsure but they are threatening if I dont have XXXX by thenXXXX they are basically taking my home. Please please help these bullies from taking my home
Product: Credit card or prepaid card

Capital One stopped reporting my balance to the credit agencies for over a month. They last reported it at the highest balance on my card and then proceeded to never report it again thereby crashing my credit score. I've never paid late and pay in full every month. It appears to be almost deliberately hurting a customer by reporting their highest balance and then failing to report ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a credit inquiry from XXXX/XXXX XX/XX/17 Clothing. This company is supposedly XXXX XXXX. I have had no reason or will ever have a reason to request credit from this company. I contacted the ( XXXX ) XXXX. spoke with a representative says that they could not help me and said inquires cant be removed.
Product: Mortgage

WAMU had steered my mother and sister toward an unwanted second round of risky, toxic mortgages, incentivized by larger branch bonuses, relieving both women of their available Heloc capital. Chase now servicing those loans, and profiting from such, refuses after numerous attempts, to explain where the money went even after providing them the HUD docs with circled values. I was told " We will not speak to that at all ''. Chase attempts to tell us that these loans were originated in good faith in the face of the CFPB 's own rules for preventing Originators from Steering Consumers into Risky Mortgages. 
Mother and sister were targeted - a second round of risky mortgages were pushed upon them, thus relieving them of their available Heloc capital, Chase is profiting from servicing these loans, and they will not address on any level the numbers in the HUD documents. These loans were NOT executed in good faith at all as per what Chase is claiming.
Product: Money transfer, virtual currency, or money service

I recently opened an account with Skrill Inc. and upon trying to deposit funds into my account for the first time, my deposit failed and my account was instantly restricted with no explanation whatsoever. I attempted to contact the company to resolve this issue, however I have yet to hear a response from them over a week later. Please help me contact them so I can have my account unlocked and can have the ability to use my account as normal once again. Thank you.
Product: Credit card

Macy 's fraud department contacted me in XXXX to verify certain suspicious online purchases made using my Macy 's credit card information. I disputed the purchases and subsequently submitted a written statement to the fraud department. The investigation is ongoing. Nevertheless, Macy 's submitted delinquent payment information to the credit bureaus.
Product: Debt collection

I went into XXXX to talk about possibly setting up a plan. The man had me fill out all my information and then presenting an outrageous price for phones and I walked. Come to find out, the employee still opened an account without my consent. I've tried handling this with XXXX and they keep saying because I dont have a pin I can't get into the account. Well it was illegally opened so how was I supposed to get my pin. My credit has now been hit for four years because of their worker. This happened in California.
Product: Money transfer, virtual currency, or money service

I recently got an email from XXXX XXXXXXXX XXXX that my Zelle number and email has been deleted because of inconsistent activity. I am sure I havent done anything that has gone against Zelle rules and regulations, I tried reaching out to see what the reason is for XXXX  XXXX XXXX but the representative keeps saying that they will reach out to Zelle and that Zelle will contact me in XXXX to 3 days but for like XXXX weeks now I havent gotten any calls and I keep calling back but nothing has been done. Also on XXXX the Same thing happened but within XXXX week the problem was resolved I was able to use my zelle
Product: Debt collection

AD ASTRA RECOVERY SERVICE is trying to collect on behalf of 12 XXXX XXXX XXXX XXXX for an unknown debt. AD ASTRA RECOVERY SERVICE has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$2600.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous attempts I have made to correct a late open account and remove a charge-off from my credit report. Despite my persistent efforts, these items persist on my credit report, causing significant financial distress and impeding my ability to secure credit and financial opportunities. 

I have made multiple good faith attempts to dispute these items through your bureau, providing supporting documentation and evidence of inaccuracies. Despite this, the late open account and charge-off persist on my credit report. 
Requested Resolution : I request an immediate and thorough investigation into both the late open account and charge-off to validate their accuracy. If found to be inaccurate or unverifiable, I request their prompt removal from my credit report. 

Additionally, I request a written confirmation once these items have been corrected or removed, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within the exact timeframe and provide a designated contact person for further communication. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4500.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, Experian, XXXX and XXXX has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX  605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall 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 of 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 by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. ftc report numberXXXX
Product: Debt collection

While checking my credit report I noticed XXXX XXXX attempting to collect on a debt that belongs to someone else. I have requested any signed contracts signed by myself requesting an account with them. A phone log, IP addresses, or anything from Aspire Credit to help identify who opened this account. I have received absolutly nothing from them which has led to me hiring a credit protection attorney. 

This unverified, fraudulent account has since been sold to XXXX XXXX adding further stress and lost opportunities due to their credit reporting.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Money transfer, virtual currency, or money service

Using XXXX money was sent to the wrong person an no refund was given wells fargo stated that I sent the money an that they could not stop or correct the transaction. XXXX stated the same thing they closed the account an stated that I owed them the balance took it from my savings put me on a payment plan. It was horrible.
Product: Credit card or prepaid card

Got a prepaid card for my teenage son and teach him about credit. Pre-loaded NetSpend credit card {$35.00} tried several times to register online for him to use. Have been unable to do so also made several attempts to contact the company. All you get is an automated number that does not lead to a live person. At this point very frustrated want this matter resolved immediately.
Product: Debt collection

Lvnv funding placed another collection account on my credit file. Even after I made a payment plan I'm getting tired of this then they lie about me in response to my complaint. So they can keep messing with me. Everybody else has had trouble with them too. They don't have a right to place anything on your credit file when you made payment arrangements. Or a payment plan. I made a payment that I could afford and this still wasn't good enough for them. They want me to be denied credit.