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

on XX/XX/XXXX/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out
Product: Mortgage

after getting behind 1 payment to wells fargo back in 2011 i  contacted them about a loan mod and givin a person to work with after a year went by got loan mod myself and sister sigined and had noterized they only sent me a copy to sigin she lives in a diff state and instructions saidit had to be sigined on same day.i called fargo about that chould not get any hlp about how we were to sign on same day living 1200  miles apart. so afternot hearing from them left a message with my person who was helping me.I sigined noteryized overnight mail to sister she did same thing and sent in with a {$480.00} fee.got back same paperwork three weeks later. called fargo person and she said because both sigs werent in county home was in they could n't use.that was neverstated in instructionsi i had.she siad she wouldget suppervisior to help get it put through a year later got notice to appear in court fargo keptrunning me to diff people after asking them for new loan mod. igot a limited power of attotney to hlp with sigs but still no help so i went to a lawyer and hes trying to help but still may loose home .this company is the worst run ive erver seen im a XXXX year old vet and feel i have no rights agianst this company.ty
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally submit a complaint regarding the conduct of XXXX, XXXX, and XXXX in relation to the reporting of a debt allegedly owed to Capital One and handled by a collection agency identified as XXXX 

Details of the Complaint : Unvalidated Debt Reporting : All three credit reporting agencies have reported a collection account associated with Capital One, despite my repeated requests for verification and validation of the debt. I have never signed any contract with Capital One that would establish this debt, yet it continues to appear on my credit report. 

Failure to Provide Documentation : Neither Capital One nor the collection agency, XXXX, has provided any documentation that validates the debt or proves my obligation to it. I have requested this documentation in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), but my requests have been ignored or inadequately addressed. 
Paid Debt Without Validation : Although I have paid off the amount in question to resolve this issue, it is important to note that no contract or valid proof of debt was ever provided. This situation has unfairly impacted my credit report, leading to negative consequences for my financial standing and credit score.

Request for Action : I am requesting that the CFPB review this matter and take appropriate action to ensure : The immediate removal of the collection entry from my credit report by XXXX, XXXX, and XXXX due to their failure to validate the debt. 

An investigation into the practices of Capital One and XXXX concerning their compliance with debt validation requirements. 

Assurance that credit reporting agencies uphold their obligation to report only verifiable and accurate information.

This unresolved issue has caused undue stress and financial hardship, and I trust that the CFPB will address these concerns to uphold consumer rights and promote fair credit reporting practices. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alarmed at the number of " hard hit '' inquiries on my  XXXX ,  XXXX  and   XXXX   credit reports. I reached out to each bureau and was told that they could not remove the information with a dispute. So I contacted Clarity Services , Inc.  as they are the source for the majority of these unauthorized credit inquires. I had to provide them with a written request and was provided a copy of my report with them. I identified each inquiry that was not authorized and returned by mail to them as requested. To date, none of the erroneous information has been removed and I keep getting the runaround from them. Telling me I have to start the entire process over again.   This is ridiculous. Sadly, I have since found many documented consumer complaints against this company, all similar stories. They are completely unethical.
Product: Debt collection

Illegally sued me and started garnishing wages on a 7 year old account without serving any documents. First payment was garnished XX/XX/2023 for almost XXXX $ also has an extremely bloated amount that is extremely incorrect for the original debt.
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. Account name : XXXX XXXX XXXX # XXXX {$1200.00} Account name : XXXX XXXX XXXX # XXXX {$1100.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 card or prepaid card

I opted out of marketing messages. Synchrony is sending me multiple marketing messages and disguising them as account information. the information contained is clearly marketing for their product. I emailed and called them to ask them to stop the marketing messages and they did not respond. This is an attempt to get around consumer laws. 

Email XXXX XXXX  : XXXX XXXX For your account ending in : XXXX Dear XXXX XXXX : We wanted to let you know about everyday financing options available on your Amazon.com Store Card or XXXX XXXX XXXX Card account. As a cardholder, you are eligible for one of the following deferred interest financing options when you make a qualifying purchase with your store card : No Interest if Paid in Full Within 6, 12 or 24 Months. 

For the financing offers described above, if the balance ( which includes the financing offer purchase amount and related optional debt cancellation charges ) is not paid in full within the offer period, interest will be imposed from the date of purchase at the variable APR that applies to new purchases made on your account when the financing offer purchase is made, which as of XX/XX/2021, is the variable APR of 25.99 %.

Minimum monthly payments are required. Regular account terms apply to non-financing offer purchases and to financing offer purchases after offer period ends. Offers are subject to credit approval. This is only a summary of key terms. Please see any financing offer advertising or other disclosures provided to you for the full terms of any financing options offered and keep this notice for your records. 

To learn more about everyday financing offer benefits with the Amazon.com Store Card, including special financing and Equal Pay financing, please visit www.amazon.com/financing.

We look forward to continuing to service your Amazon.com Store Card or XXXX XXXX XXXX Card account. 

Thank you for your business. 

Synchrony Bank
Product: Credit card

I've consistently maintained punctual payments on this account, never allowing them to lapse. I'm uncertain about the reasons for the late payment remarks on my accounts. Referring to 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  and I submitted a self declaration which was notarized back in XXXX then I was told that was sufficient enough and last week my case worker supervisor gave her the letter to use and once again I am being told thats not sufficient enough my case worker signed it what more do you need. I want this documented because I want my daughter to be able to sue experian my address is on the internet so I need to move asap and I cant do that because they keep rejecting my documents
Product: Credit reporting

the creditor agreed to remove my liability on this account on " XXXX. '' account : XXXX XXXX XXXX XXXX XXXX. why they do is playing with my credit, removed the collection from one credit report company and put it back in another. 
I call it and they do n't answer the phone or return your messages, same with the emails. 
hope they do better services to the customers and stop trying to collect money from closed accounts. 
thanks
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to DISCOVER BANK due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

XXXX  XXXX  XXXX  XXXX  XXXX  Account XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  Account XXXX  XXXX  Account XXXX  XXXX  XXXX  XXXX/XXXX  Account XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX**** XXXX  XXXX XXXX XXXX**** XXXX  XXXX  XXXX**** XXXX/XXXX  XXXX**** XXXX  BANK XXXX/XXXX  XXXX  XXXX**** XXXX  XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an old account approximately 2 yrs ago with CONNs and they continue to report that I owe money to the credit bureaus. Ive hired a third party to help get this removed. Ive worked with the recovery department and they say theyre working on it and that theyll get back with me, and they never do. They say the account was transferred to a collection agency called XXXX. I settled the account, but it is Conns who continues to report to the credit bureaus. 
Ive missed out on multiple financial opportunities because of this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted the Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating this items comes back validated even though the information is incorrect.
Product: Checking or savings account

I receive Social Security, and they are holding my funds longer than regulations allow. Regulations state that Banks must allow customer access to all funds the next business day after receiving them. 
I have never overdrafted either. 
- Bank received my Social Security via direct deposit on XX/XX/year>2025 and wouldn't allow me access to funds until XX/XX/XXXX. 
- Bank received Social Security on XX/XX/scrub>t 2025, and I was told I can not access funds until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed unauthorized inquiries on my credit profile listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want Trans Union, XXXX and XXXX to add and report the following personal information to my Trans Union, XXXX and XXXX credit report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, XXXX  XXXX ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Start Date : XX/XX/XXXX to present, Annual Income : {$85000.00} to {$150000.00}
Product: Checking or savings account

chimes made an adjustment {$3300.00} off my account on XX/XX/year>. They hung up on me twice and I dealt with them for 4 months trying to get my money back. They were giving me the runaround told me it went to lost funds or lost cash. I checked on those websites, couldn't find it. Then 3 months later they told me it went back to my XXXX XXXX  which I No longer had an account. I called XXXX XXXX. They said they never received it. I called them back. Asked them for proof of who cashed it. They hung up on me. Call them back and asked him to give me the claims department so I can file a claim. They refuse to do that to transfer me to a claims department
Product: Debt collection

the company is CCS XXXX BANK, XXXX PNC BANK HAS XXXX THESE PEOPLE MY PERSONAL INFORMATION STATING THAT I OWE A DEBT THAT I DO NOT HAVE A LOAN OR NEVER DID HAVE A LOAN WITH PNC BANK NOW XXXX ARE CALLING ME MAKING THREATS OVER THE PHONE FROM PNC BANK PNC BANK STILL XXXX ME MONEY,, THIS IS VERY ANNONYING AND MY PERSONAL INFORMATION HAS BEEN GIVEN TO THESE PEOPLE WITHOUT MY CONSENT,, THIS ABUSE OF THE PRIVACY ACT WHICH I AM DISSAPOINTED BY PNC BANK TO GIVE MY PERSONAL INFORMATION TO STRANGERS.. PLEASE HAVE THEM STOP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received anything from Equifax about this bankruptcy dispute. I have a previous complaint through CFPB that Equifax has yet to send any results of investigation. It's over 30 days and nothing. Absolutely nothing! It's now been over 30 days and not response. I sent over the proof that their data furnisher XXXX found the bankruptcy to be unverifiable so why have they not reinvestigated and deleted this erroneous account. This is a constant issue with Equifax. They do not bother responding and Equifax is in violation! 

Account : XXXX XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX. XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX. XX/XX/2024 XXXX  XXXX/2024
Product: Student loan

I have currently contacted the Washington State Attorney General 's Office who is helping. They have also forwarded my complaint to the Washington XXXXXXXX XXXX. I am working with them now. The Washington State Attorney General 's Office suggested that I contact you. 

My loans should have been forgiven in XX/XX/year> under XXXX. I have done everything in my power to explain this to Mohela, who is expecting me to make a payment on XX/XX/year>. I have asked for a forbearance until the forgiveness has been processed and I have been told 60 to 90 days, I am also due a refund as I made 122 qualifying payments. Documented by Mohela on XX/XX/year> as well as through email 's from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to ACIMA DIGITAL FKA SIMPT about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking the Credit Bureuas for more information regarding the particular acount in question. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my 2nd letters off to XXXX, XXXX, Experian on Monday XXXX XX/XX/2022. Here is my tracking number XXXX # XXXX, XXXX # XXXX, Experian # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

According to the FRCA. The term '' investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom with whom he is acquainted or who may have knowledge concerning any such items of information.

Attached is the letters I sent out in " Good Faith ''.

Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

This complaint is related to the previous complaint under # XXXX that was filed on XX/XX/2022. CFPB claimed that the complaint was forwarded to the Discover Bank. Therre are doubts that this is what CFPB did. Discover bank continued to harass me with the XXXX  notices after that complaint although XXXX XXXX mailed me a check for refund of that unauthorized charge made by Discover bank.