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

15 USC 1681b ( Permissible Propose ) This is grounds for these accounts to be removed immediately ... It is a violation for credit company 's and credit bureau to report anything they want on your credit without a written consent. I never authorize or provided any written consent to the credit bureau to report or keep reporting this. It's identity theft and it have to be removed immediately... Here are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Citi bank offers XXXX transfers to other bank account holders without any type of protection. I made a transfer to a person by the name of XXXX XXXX who has a XXXX account. This person is charging multiple people for the same tickets never providing them with the tickets. I immidiatetly contacted Citi bank but was shut down within seconds satating they are not held liable for XXXX transfers. It baffles me how a bank could offer a transfer service and then state to their customers there is no protection against fraud. The persons email conducting the fraud is XXXX.
Product: Credit reporting or other personal consumer reports

Contacted Experian on XX/XX/XXXX, and also XX/XX/XXXX. Both times provided documentation of student loan forgiveness and paid-off Student loan debt. Each time, I received notification that the investigation was complete and the disputed information was found to be accurate. Requested investigation results, have not received anything. Repeatedly called Experian, but phone system will not connect me to a representative. Provided pdf copies of the letter received from the US Dept of Education and screenshoots of XXXX online showing the debt was satisfied. To date, this inaccurate information has not been updated. This information has had a extremely negative impact on my ability to obtain other lines of credit.
Product: Credit card

Cashapp banded me because I had money stolen off my card I filed a complaint and I was banded from Cashapp.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Synchrony Bank JC Penny account balance is currently around {$900.00}. However, this information is not correct on all three of the credit bureaus where they are showing a balance of over {$6000.00}. Since XXXX of 2022, I have contacted Synchrony Bank numerous times and have filed a dispute through the proper credit bureau 's channels, which is now closed. To further complicate matters after speaking with Synchrony Bank in XXXX 2022, the account balance went from over {$6000.00} to {$7000.00}, and an immediate decrease in my credit score. This inaccurate information has caused me to have several declined requests for credit with the most egregious being refused living accommodations for a XXXX XXXX veteran.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX NA, XXXX BANK My account with XXXX XXXX XXXX NA, XXXX BANK was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 XXXX DAYS 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Subject : Fraudulent accounts added to my consumer report. 

On XX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my TransUnion consumer report from a company named XXXXXXXX XXXX # XXXX. I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report proof enclosed in the CFPB complaint. 
Reporting Act outlines the rights that identity theft victims, and those who that identity theft victims, and those who believe they believe they are victims : Block fraudulent information from your credit report Stop a company from reporting information resulting from identity theft. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the fraudulent account and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below 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 has violated my rights. Or a 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to once again address a long-standing issue with an incorrect account that continues to appear on my credit report. Despite my repeated efforts to have this matter resolved, Equifax has refused to delete the account in question. As a consumer, I am fully aware that you have a responsibility to ensure accurate and fair reporting across all credit bureaus. This particular account, which is not mine, remains the sole negative entry on my credit report, while the other two major bureaus reflect no such account. This situation is causing significant financial harm, stress, and frustration. I have repeatedly informed Equifax that this account does not belong to me, yet no corrective action has been taken. When I requested validation of the debt, the only response I received was a series of account statements. Statements do not constitute proper debt validation, as validation and verification are distinct legal requirements under consumer protection laws. I am attaching all relevant documentation, including evidence showing that XXXX XXXX has already submitted that the account has been deleted. Despite this, the account continues to appear on my Equifax report, which is both perplexing and unjust. I urge Equifax to take immediate action to remove this account from my credit report. If this matter is not resolved promptly, I will be left with no choice but to pursue further remedies through external channels.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX, XXXX, PA XXXX To Whom it may Concern, RE : REQUEST FOR FURTHER INFORMATION ACCOUNT - XXXX  ACCOUNT # XXXX With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report. 

The report records that ( NEW JERSEY ). I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible. 
Thank you. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX XXXX XXXX came to XXXX Florida and we were without power in our home for 11 days. My husband was without work for 3 weeks. My husband is a XXXX XXXX   employee in the car business. We called Caliber home loans immediately following the disaster and applied for a 3 month forebenace with the understanding that the payments would be deferred to the end of the loan. The representative advised that we would need to sign the documentation to modify our loan and send it back. I never received the documentations and would call caliber almost every week. When I called at the beginning of XXXX I called to make a payment as usual and they advised that I didnt need to make a payment until XX/XX/XXXX since I was approved for the modification. Keep in mind I havent signed anything yet. On XX/XX/XXXX I called Caliber and told them I still have not recieved the documentations. The Mail came that very same day and finally I received the papers. When I read the documents it stated that it was due on XX/XX/XXXX!!! I literally was on the phone with them and it recorded that I just had recieved it. I quickly went to XXXX XXXX and scanned and emailed the requested documents to Caliber Home loans and I CC my husband on it for his reference. I called back on XX/XX/XXXX just to follow up on the email. They advised that they never received my documents therefore FHA revoked their offer. I was very upset and I felt cheated. Since XX/XX/XXXX I call caliber everyday and one of their representatives ID # XXXX said she sees that the email on the documents was a correct email address but not the correct email for the modification department where all the emails and letters needed to be sent. How was that my FAULT!!!. The representative then told me to send her proof of sent email and the cc to my husband showing receipt of email. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to have the same response each time ( that the offer is still revoked ). On Saturday XX/XX/XXXX I received a letter stating that if I do not come current with my loan I am in lieu of foreclosure. I really need help in this matter. I have XXXX kids and I do not work my husband is the sole provider of this family and we feel that Caliber home loans did not handle our acct fairly.
Product: Checking or savings account

Basically my XXXX would never work. 
I would be getting charged overdraft charges and sometimes when I would send money it wouldnt send and it wouldnt ever bounce back. I was stuck with nothing no home no food no car .just homless
Product: Credit card

I need credit from this store i dont know whats wrong its best buy btw
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining about Lexington law firm for deceptive marking practices and for illegal billing and for attorney misrepresenting and for malpractice against my ex wife XXXX XXXX, XXXX XXXX. I hired my ex not knowing who she was. On XX/XX/2021 and then after the phone call was over I was billed. Before anything was completed they texted me from about 7 different numbers trying to confuse me. So after I hired my ex. J recieved another text from Lexington law Firm. My ex wife has alot to do with all of this. They would use other law firms to help Lexington law firm confuse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I written numerous of letters stating for them to verify this debt as well the amount owned. Because I have or had medical insurance. And I shouldn't be receiving anything regarding my medical information being sold or discussed to outsiders this go against the HIPPA law. And I would like to remove from my credit report
Product: Mortgage

I had to request a supervisor as the XXXX operator was getting XXXX So as I spoke with the Supervisor XXXX I believe she cleared up the situation as mach as she could. She explained to me that Carrington has a policy of holding back two months of Escrow. I stated that is fine but why are you hiding this on the Escrow total. You show balance of {$1600.00} but you payments show I have paid {$1900.00}. I asked why are you hiding the difference and as she stated they are holding back two months ... why? What I paid is what I paid why do you have to hide this! 
Does this seem as a scam to you I ask CFPB? Should no-one hide two months of escrow from the home buyer. I should be posted as that amount is what has been paid. If Carrington mortgage needs two extra months it should ask for and prorate those two extra months but the true total amount should not be hiding from the borrower. I did not ask for this mortgage company to handle my mortgage and so this mortgage holder should treat me better and in hopes that they treat they borrowers whom have requested Carrington to be their mortgage holders.

Of course the supervisor is just doing her job and has no control over what Carrington does but it is the Mortgage Company whom should at least put a " Bullet Mark '' by the amount and have a comment below to explain why the amounts don't match. What if I did not call Carrington regarding this issue... the company never mentioned this, the company could haveeasily just taken the money from me and or others unknowingly.
Product: Debt collection

I have made multiple attempts to rectify this problem. Under federal law, a debt remains on a credit report for a period of seven ( 7 ) years from the date of issue ( 15 U.S. Code 1681 ( a ) ( 4 ) ). This debt has been reporting since XX/XX/2015, with no resolve.
Product: Student loan

Navient forc ed me into forbearance and then to consolidate my loans with another service provider.
Product: Credit card or prepaid card

I have been a member of Golden One Credit Union, I was looking for a good credit card so I talked to a local representative about their XXXX  card. I was told that it was a fixed APR at 10 % as long as I am a member. I recently received a letter telling me that they were changing to a flexible rate ... I did not want that new I want what was promised me when I applied for. The closed out my card ... I want my card at the rate promised when I applied ...
Product: Credit reporting

To Whom It May Concern Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by XXXX. I have received a response that clearly violates my rights according to HIPAA. 

XXXX, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was used to apply for credit cards multiple times. I have knowledge of only ONE account inquiry : XXXX XXXX  ( Bank ) XX/XX/2022 Unknown Attempts : XXXX XXXX ( Finance ) XX/XX/2022 XXXXXXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXXXXXX ( Bank ) XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, opened on XXXX XXXX balance {$64000.00} has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  ( XXXX ) XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

On my XXXX  report there is a false address, that seems due to identity theft. As well as the online account is going to an incorrect number as well. Seems hacked. 
I have disputed a XXXX XXXX  collections on my transunion and I have not seen a result. I had to resubmit.
Product: Debt collection

This complaint is against Navient, the company that services my daughter 's student loans and for which I have Power of Attorney. Despite having my phone number, Navient calls other members of my family and acquaintances of my daughter. I have a robo-call blocker on my phone number and they insist on using a robo-call dialer in attempting to reach me. When those calls are blocked they resort to calling others. Yesterday they even called a children 's dance studio where my daughter took dance lessons 15 years ago! This is unethical and should be illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a student loan from XXXX XXXX with a balance of {$26000.00} These accounts have resulted in negative reports and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, and collections appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have not been doing their part of the job, I have been waiting for a response from them for months for some letters that I have sent and they do not respond to me
Product: Debt collection

XXXX XXXX plaza Service I have not gotten in contact with no one at this company. Ive been trying to call but the phone just keep on ringing. I never get an answer. I never received the email. I never received the letter.