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. 

XXXX - XXXX : # XXXX, XXXXDEPT OF ED : # XXXX, XXXXDEPT OF ED : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX # XXXX, XXXX XXXX ( ORIGINAL CREDITOR : 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. 

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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 me 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 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. 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 card or prepaid card

The charges on my credit card were not mine. I was taken advantage of by an abusive parter and he was the one to use my credit card without my permission. The company has not resolved the issue when I filed my dispute. I was diagnosed with XXXX  due to the traumatic experiences I've had with my ex-partner and I will not pay a bill that is not mine, especially when I was taken advantage of during our past relationship.
Product: Credit reporting or other personal consumer reports

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTENINSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT.As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card AND FTC AFFIDAVIT proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS LAW CODES .15 U.S Code 1681b, 15 U.S. Code $ 1692c
Product: Credit reporting

Received my consumer report from ChexSystems and noticed some inquiries listed under consumer initiated that I never initiated. I 've never been to XXXX let alone tried to open up an account with XXXX in XXXX. Tried contacting ChexSystems to file dispute and was told they do n't handle disputes.
Product: Credit reporting or other personal consumer reports

I've filed disputes with XXXX, TransUnion and XXXX about a XXXX credit card on my credit file. This account should not be reporting on my credit with TransUnion, XXXX or XXXX. The credit bureaus have not done a thorough investigation because if so the account would be removed already. This account was sold in 2020 and I had to pay taxes on this sold account I received info from the IRS which includes this account. This is my last time reaching before I contact Fair Credit Act attorney. I've been patient the last update to my credit file was back in 2020. Why is this account still reporting please remove this account immediately.
Product: Credit card or prepaid card

I have a credit card on my report that opens XXXX and closed XXXX. I was told they are not suppose to be on there after 7 years. Its been almost 10.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this data on my credit is a clear violation of not reporting XXXX XXXX  accurate. 

The following accounts are a result of Identity theft and XXXX  Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXXXXXX - XX/XX/XXXX Account Name : XXXX # XXXX - XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX - XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - XX/XX/XXXX Account Name : XXXX XXXX # XXXX - XX/XX/XXXX Account XXXX : XXXX XXXX XXXX # XXXX - XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX # XXXX - XX/XX/XXXX Account Name : XXXX  # XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX-XXXXXXXXX - XX/XX/XXXX - Account Name : XXXX XXXX XXXX-XXXXXXXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX - XX/XX/XXXX Account Name : XXXX XXXX # XXXX - XX/XX/XXXX
Product: Debt collection

I ask for verification of debt. All I received was a statement from XXXX of 2022. Which I have never seen before
Product: Mortgage

We applied for a XXXX mortgage through XXXX in XXXX it was transferred to Ocwen. We paid the loan off in XXXX XXXX. The initial loan was for a property on XXXX XXXX XXXX in XXXX, OH XXXX in XXXX in XXXX we requested if we could move the loan to a new property we wanted to purchase. the address was XXXX XXXX XXXX XXXX, OH XXXX. The loan was paid off on the home on XXXX XXXX For some reason Ocwen Acct # XXXX phone # XXXX sent the mortgage to a collection agency 2 months before we paid the loan off we had never been delinquent on any of our payments. They did n't release the loan to the county when it was paid off. When we contacted them to release the loan they kept sending us back to the collection agency. At that time we contacted your organization to clear the loan off of the property. They complied and released the loan. 
The reason why were contacting you again now is we are trying to do a deed in lieu on the property on XXXX XXXX. The mortgage company is XXXX mortgage Acct # XXXX our contact person is XXXX XXXX XXXXXXXXXXXX. She is trying to clear the title of the property to finalize the deed in lieu. She has found Ocwen opened a second loan when we transferred the mortgage from XXXX XXXX XXXX to XXXX XXXX so it looks like we took out XXXX loans on that property. When I notified them of this the person I talked to at Ocwen which I did n't write his name down on XXXX XXXX at XXXX did n't start a ticket to figure out the problem so I waited until yesterday XXXX XXXX at XXXX I spoke with XXXX operator # XXXX she said she would look into it and call me back this morning with more information, she never called. 
The email I received from XXXX XXXX stated the record release we recieved from Ocwen was recorded incorrectly or was not the correct release. The release we need is book XXXX page XXXX and was recorded in XXXX for {$35000.00}. The release they provided was for mortgage from XXXX with book XXXX page XXXX for {$35000.00}. I did forward this email to the male on XXXX XXXX but obviously nothing was done with it. XXXX emailed me yesterday telling me to file another complaint with you. The deed in lieu is in jeopardy of not being finalized. I need your helpThank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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. 

I submitted 15 disputes in 12 months to the credit bureau that my name was incorrect, the accounts were paid and not updated as well as additional inquiries showing on my account after I sent a police report that my information was used fraudulently. 

My name is XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX, NC XXXX. My social security number is XXXX. 

The incorrect information on my credit file is the following : XXXX XXXX XXXX XXXX XXXX The incorrect addresses on my credit file is the following : XXXX XXXX XXXX XXXX, NC XXXX Incorrect info on my file : XXXX XXXX XXXX  : XXXX Account was paid in full and should be removed XXXX XXXX XXXX XXXX XXXX : XXXX Account paid in full and should be removed. My child is XXXX XXXX XXXX and case closed when he XXXX  XXXX XXXX. 

Inquiries that are unauthorized, please remove : XXXX XXXX XXXXXX/XX/2020 I did not authorize them access to my credit file XXXX XXXX  XXXX XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 I did not authorize them access to my credit file. 

XXXX XXXX XXXX XX/XX/2020 I did not authorize them access to my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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

Have sent numerous letters to this collection company asking them for validation of this account with no response. They continuously report this information in all of my credit files with proper validation or response. They have not responded to my requests nor will they cease reporting.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a foreclosure remaining on my credit report that has expired many months past the last payment date and actual conclusion of the non-judicial foreclosure date. XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). The date of the last payment was XX/XX/2016, and the non-judicial foreclosure occurred XX/XX/2016. Please remove from my credit report as the XXXX year reporting period has expired.
Product: Credit reporting or other personal consumer reports

To whom it may concern, my name is XXXX XXXX and my address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX. My phone number is XXXX XXXX XXXX. I contacted XXXX XXXX Equifax and experience Credit reporting agency Concerning These accounts XXXXXXXX XXXX XXXX And XXXXXXXX XXXX And XXXX XXXX XXXX XXXX And XXXX XXXX And XXXXXXXX XXXX XXXX. These accounts were open fraudulently And I asked them kindly to remove these accounts from my credit report because they are not mine and I want them off immediately. the credit reporting agency plays a lot of games In regards to my request When these accounts were open Fraudulently without my authorization. these accounts Never had the right address neither the right phone number and the correct spelling of my name. the credit bureau has since then updated the correct address to my credit report Along with my name And the correct phone number. These accounts are still sitting on my credit report even though they have no address attached to them And the credit bureau has since then refused to remove them From my credit report
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I call Bank of America- Merrill Lynch for information on my balance owed on my VISA Signature ( Merrill+ ) credit card. The automated service quotes me a current balance on my account : {$1800.00}. So I intended to make a phone payment of {$1800.00}. When I chose the option to make a payment, the automated service quotes me the amount of {$1900.00}. This amount was not current but based off the statement datedXX/XX/XXXXXXXXXX/XX/XXXX. I received a credit from a merchant : XXXX for {$42.00} on XX/XX/XXXX, and another credit from them for {$7.00} on XX/XX/XXXX that was yet to be reflected in my statement for the following month. I was informed by Bank of America, I would receive a finance charge if I only paid the {$1800.00}, which would have brought my account to a {$0.00} balance. I had a {$0.00} balance on the previous statement. So, essentially, I would have to pay more than my current balance and have a credit of {$50.00} on my account to avoid a finance charge, even though that amount has already been credited on my account. If credits affect my current balance, then I should not be paying finance charges for bringing my balance to a {$0.00} balance. I was told by XXXX, a supervisor that Bank of America does not acknowledge credits to the account even if they are reflected in the current balance. Bank of America is misleading their customers by having their automated system state a customer 's current balance without a disclaimer stating that the full amount of the statement must be paid even if there has been a credit on the account. This racks up huge interest charges for Bank of America because the automated message regarding account balance potentially presents two different balances without explanation or instruction. What if I had bought a large item like a boat for {$5000.00} with my Visa, returned the boat due to faulty mechanism, the {$5000.00} credited to my Visa account within two days after the statement. Would I then need to pay {$5000.00} toward my now current balance of {$0.00} to avoid a 10.00 APR interest fee on my account? This is fraudulent and misleading. What right minded person would pay more than they owe when the balance is {$0.00}? Bank of America-Merrill Lynch is scooping up the millions in interest fees because they have mislead their customers to think they should make a payment based upon their current balance. Bank of America- Merrill Lynch is capitalizing on their automated services to keep customers from knowing what would keep them from paying unnecessary interest fees.
Product: Credit reporting or other personal consumer reports

Ijustrecentlylookedatmycreditreport.Isawsomehardinquiresthatdidnothavepermissiblepurposenorweretheyauthorizedbyme.thereforebeingaresultofidentitytheftIalsohaveevidenceandFTCreportdetailingtheaccountsinquestion. 

15USCFair Credit Reporting Actanything furnished on my Consumer Reportmust have permissible purpose.

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.

AccordingtoUSC1681Estatesa consumer reporting agency prepares aconsumer report it shall followreasonable procedure to assure maximum possible possible accuracy of theinformation concerning the individualabout whom the report relates .Thisreportisnotaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

During covid lockdown after XX/XX/2020, I requested the closure of this account. the physical branches were closed during this time and I was unable to visit branch to request closure of the account. I had to close it over the phone with Customer service department. Whoever was helping me when I requested to close this account, apparently did not close the account and I was being charged monthly service fees that I was unaware of. The company put this account into XXXX XXXX  that I owe a balance and it is in collections. I tried several times disputing with XXXX XXXX  and US bank both are refusing to help me in removing this from my report.
Product: Student loan

All 3 credit bureaus are reporting monthly three private loans with Navient. I have no knowledge of these loans. They are reporting loans were purchased from " XXXX XXXX  XXXX ''. I reached out to XXXX XXXX  XXXX many times and they don't have any accounts associated to my name, social security number, or d/o/b. I have requested countless times from Navient to provide me the original master promissory note from XXXX XXXX XXXX  and they have failed to produce the documentation. Navient Account XXXX was reinvestigated by XXXX and determined to be fraud and was deleted from my credit report and Navient is still requesting payment from me. XXXX XXXX XXXX can only give me a letter if i have previously applied for a loan since i never applied for any loans they cant provide me a letter. The three credit bureaus over the years have not conducted accurate investigations or provided me with documentation of the proof Navient has provided these loans are accurate. My university is suppose to approve loans distribution my university or Navient don't have any documentation on who approved these loans. By law Navient has to provide me the original promissory note from XXXX XXXX XXXX  with a wet signature that i signed. I have yet to receive this information. All parties have done a poor job assisting me in finding a resolution. I filed a police report with the XXXX police i will attach and i reported this to the identitytheft.gov
Product: Checking or savings account

Chase Bank has closed my account with know explanation or notice. 
I went to log in online and it stated : " We locked you out of your account, please call XXXX. 
After calling the number they stated they have closed my account. I asked to speak with a manager. The manger told me after review of my account they choose to terminated my account. They would not give a reason when asked and told me know one at any level would tell me and it's in their contract that they can do this at anytime without cause. 
I then went to the bank in person ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ. ) to get my balance of {$1000.00} plus what is on my Chase credit card and was denied. They refused to give me my money. I think it is illegal to do this. I asked again for a reason and was denied. I am now worried about identity theft? I asked for my past 4 months of bank statements and was given copies since I can not accesses my account anymore because they locked me out. Those statements give no reason for termination to my account. 

Complaint is as follows : 1. No notice ( an email the same day is attached for you to review ) 2. No explanation or any suspicious activity ( 2 resent months of statements is attached ).

3. Denied my funds at the bank. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ ) 4. Have filed several high level complaints with the bank-no response.XX/XX/XXXX 5. I am also the power of attorney for my mother and our accounts are linked so that I can pay her bills if she needs me to. She has XXXX XXXX and that is why we set this in place with Chase. Now I can also not take care of my mother because of this. 

How a bank could do this to someone is unheard of. I understand if there was a legitimate reason as I understand that is how they can keep criminal activity shut down. I am an upstanding member of the community. Never been arrested. 
I now have no money for food or gas, how is something like this possible? 
I am a XXXX XXXX XXXX and can now not drive my buyers to show homes and perform other duties. 

I have documentation that I will attached for bank statement for the past two months along with other documentation. 


Please Help, XXXX I XXXX XXXX XXXX