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 account below has violated my federally protceted consumer right to privacy and confidentiality under 15USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1.5USC1681 SECTION 602 states i have the right to privacy.15 US1681 Section 602 its also states a consumer report agency can not furnish a account without my written instructions. 15 USC 1681 [ a ] 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 conviction of crimes which antedates the report by more than sever years .15 USC 1681 -2 [ a ] a person shall not furnish ant information relating to a consumer to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata.
Product: Debt collection

I received a call from the company. I didn't think the debt was mine. I asked for a copy of a bill and received an incomplete bill. They dinged my credit and my wife - currently the only negative information on our XXXX.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX experian after ID theft won't allow me to look at my score it's against the law if i have been a victim i want to see my socre online will send proof in the attachments
Product: Mortgage

Rocket Mortgage service my FHA loan, I purchased my home XXXX of 2015 for {$95000.00} putting down {$10000.00} balance of {$85000.00}! Never missed a payment or late! I have more than 20 percent equity and less than 80 percent of my mortgage left on my loan. Also if you're going to estimated my home value, please be fair as of today my home value is {$150000.00}! 

Their reasons for putting in XXXX- they said my debt ratio! Also credit me back when my loan reach {$76000.00}! My payoff is {$69000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written treat a payment on a credit card account under an open end 15 USC 1666B : A creditor may not treat a paym
ent on a credit card account under an open end consumer credit plan as late for and purpose.

Can you please remove late payments XXXX and XXXX of XXXX  I had XXXX and was in able to pay I was out of work for three months and it was hard finding another job but got back on track I have been paying so long on these account for Santander consumer, XXXX XXXX XXXX XXXXXXXX and so many things had happen between death of family member but I Im still committed to pay as promise please remove these late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by this breach when someone used my information in 2018. Transunion created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. I wrote Transunion about the following fraudulent accounts : 1-XXXX XXXXXXXX XXXX I have proved this account information is fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted these companies and told them they are fraudulent accounts. These debts are not mine. These egregious stains on my credit file prevent me from obtaining future student loans. I urge them to remove these items immediately before I am forced to take legal action. They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. However, they are not concerned about lawsuits. They are getting paid more money by these companies when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB and Federal Trade Commission to step up and force XXXX to do the right thing. I look forward to an uneventful resolution of this matter.
Product: Credit card

Yesterday, XX/XX/2024, a credit card was opened in my name, fraudulently, at Chase ( XXXX XXXX XXXX Ive informed Chase today and theyve since closed the account and Ive locked my credit through XXXX
Product: Credit card

XXXX Renewal Month-XX/XX/2015- {$110.00}. Called XXXX XXXX-Ext. XXXX on XX/XX/2015. Canceled XXXX account, then canceled American Express card ( XXXXSupervisor ). Paid my last AE statement-closing date XX/XX/2015 in for {$85.00}. Told nothing more to do. Received AE statementXX/XX/XXXX-balance of $ XXXX-Disputed with XXXX on XXXX. Received AE statementXX/XX/XXXX-balance of $ XXXX-Disputed with XXXX. Received AE statement-XXXX-balance of {$130.00} ( fees ) -disputed with Supervisor XXXX ( ID XXXX XXXX ) -Reference Number XXXX. Received AE statement-closing date XX/XX/XXXX {$100.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. The accounts are as follows, XXXX ProgressTSYSVT on XXXX account # XXXX, XXXX Bank on XXXX account # XXXX, XXXX XXXX on XXXX account # XXXX, Arm on XXXX # account XXXX, Arm on XXXX account # XXXX, Arm on XXXX account # XXXX, XXXX XXXX bank XXXX XXXX XXXX Account # XXXX, SXXXX  on XXXX # account XXXX XXXX  on XXXX account # XXXX. These accounts have resulted in several fraudulent inquiries, collections, and charge offs appearing on my XXXX report. I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have been a customer on Nation Star mortgage since somewhere around XX/XX/XXXX, after they had bought the loan from XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX reported that the account was not current, and I was a month behind. I spent many hours with Nation Star rep 's about bringing my account up to date. It was understood that I needed to pay an additional sum of {$940.00} to bring the account up to date. I made additional payments to Nation Star with separate checks, paying the {$940.00}. At that time my wife and I decided to enroll in the auto pay program to avoid any problems in the future. The account had been set up and we were paying on a schedule. After a while we stopped opening the monthly Nation Star mail. It just confirmed the payment made. This process continued for a five year period. We did not get any phone calls, nor emails concerning a problem with the account. InXX/XX/XXXX we received an envelope from a business titled " Mr Cooper ''. being unaware of any business titled " Mr Cooper '' we opened the envelope. We learned that Nation Star was now Mr. Cooper. We had been paying {$3700.00} electronically for five years. Now with this letter from " Mr Cooper '' our monthly payment was {$5000.00}? There was no explanation provided. The difference in the payment was {$1200.00} which was listed on the ( total fees and charges ) line of the statement. We called the next day and learned that the payment we made to bring the account current was never applied? They did not have any records showing the payment. One of the reps stated that the extra funds could have been applied towards your principle instead of towards the shortage in the account. I attempted to resolve the problem and called the Mr. Cooper office numerous times with no results. One call was placed to a rep identified as " XXXX '' XXXX. She suggested that I call her back tomorrow, and she would connect me to the office where they can negotiate a payoff. I called her several times over the next 3 days, and never got a response. One rep stated, " don't worry about it, you wont be asked to pay until you sell your house! '' This lending institution is NOT willing to help no matter how hard you try! They refused to provide me with their cooperate number and suggested that I write a letter.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Debt collection

Aargon Agency Inc XXXX XXXX XXXX XXXX XXXX XXXX, Nevada United States of America Out of nowhere, Aargon Agency put on my XXXX credit report that I was in collections for {$450.00}. I have never received any notification from Aargon. It seems like they are targeting people who have bad credit and just putting non-existing debt on them. See link http : XXXX
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, 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: Debt collection

In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C Account Number # XXXX Also the Debt Collection Agency took more than 30 days to complete my investigation I have enclosed a copy of my letter sent to the debt collector. 
I am not liable for this debt and do NOT have a contract with Southwest Recovery Service
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a notification from Linebarger Goggan Blair & Sampson, LLP that I had owed {$90.00} for an unpaid toll in Delaware in XXXX. This is the first notice I've received regarding an unpaid toll and I had tried to respond right away last week a few days after I had received this notice. 

After a complaint through the XXXX XXXX XXXX, they had speculated that I had either run a toll or had insufficient balance as an XXXX XXXX customer, which made no sense since the day of the alleged toll violation, I had paid every single XXXX XXXX toll from NJ to Florida and back and had no reason whatsover to skip a toll. My XXXX XXXX is attached to my winshield and I commute daily to work using the XXXX XXXX XXXX with XXXX toll violations or account lapses ( I have it set to auto replenish funds ). I also would have certainly opted to just pay the {$4.00} had I received any actual notification, which they failed to prove they had sent to my address. They also failed to send any photo proof of my vehicle driving through that toll booth. When I tried to communicate and ask for proof of the violation & /or attempt to pay the {$4.00}, they made it extremely difficult to even get in contact with this collection agency. They had asked for a written letter to be mailed out or a fax and did not accept email. It's XXXX and they are still using paper mail and fax machines, which is insane in itself. 

Again, I'm looking for some type of resolution or reasonability here. Forcing people with good credit, long time XXXX XXXX users, and clean driving records to pay {$90.00} for a {$4.00} toll is nothing short of extortion. Expecially when they can provide little or no proof of the violation & /or any postmarked communication to my residence.
Product: Checking or savings account

I am writing this to file a complaint against Navy Federal credit union regarding multiple overdraft fees I incurred despite having sufficient funds when transactions were authorized. I was charged fees ( each being {$20.00} ) due to lagged posting of charges and credits. These issues align with the recent CFPB findings against Navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. I have incurred over {$500.00} in fees since XX/XX/year>.
Product: Vehicle loan or lease

I have previously disputed a car loan fraudulently opened in my name with Capital One Auto Finance via CFPB and FTC. CapOne has responded by sending me a copy of the contract they entered into with the suspect and the culprit payment history on the loan. I was not expecting that this would be sent to me as unequival evidence of my ownership of this transaction. CapOne said they investigated but disclosed nothing as to what that investigation entailed. They did not disclose what they did internally or externally to arrive at their conclusion that I definitively entered into this contract with them at the XXXX location stated on their document. I have now investigated this type of identity-theft transaction in particularly with CapOne and found that they themselves are very much aware of these types of identity-theft transaction at their company now and in the past. I can not and will not allow this transaction define who I am and credit worthiness today or ever. Therefore, I seek immediate relief from this erroneous account from my credit file.
Product: Student loan

Contacted Navient requesting a Final Loan Disclosure or Regulation Z Disclosure Though email and phone with no response to request Request confirmation XXXX email Sunday XXXX no response XXXX phone- XXXX XXXX no information/response put in inbox with in 24 hours as stated by customer service XXXX email- XX/XX/XXXX - email request- no response XXXX XX/XX/XXXX - just requested information again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXXXXXX XXXX  XXXX ACCT # XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXXXXXX ACCT XXXX XXXX These accounts have violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 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

This is not even my name. I have no idea what this is or anything. The collection agency has never contacted me by any means I only came to know about the debt from checking my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

An XXXX man contacted me through XXXX! I accepted his friend request. We continue contact each other with another application names XXXX. I felled in love with him and then he told me he need money to put a XXXX business. I sent him {$2000.00} by Money Gram. He lives in XXXX XXXX and his name is XXXX XXXX XXXX XXXX. The Reference number from the money gram was XXXX. I called to Money Gram company and I make a report as soon I sent this money and I realized this guy just use me like an object. I also contact this company on XXXX-18 to follow up my complaints but they told me that I lost my money and they didn't rebursement any money. But I want also to prevent that other women 's been in the same situation to know foreign guys through internet.
Product: Credit card or prepaid card

In XXXX I opened an account with Synchrony Bank to finance flooring for my home through XXXX XXXX. I signed up for a 12 month interest free promotion. I paid the account off in XX/XX/XXXX, prior to the interest being due and on XX/XX/XXXX I received an email stating that I have a XXXX balance. I never used the card again and I was even issued a refund in the amount of {$47.00} for overpayment, which is expected since I paid more than the balance on the statement to avoid any interest. 
After a couple of months I started to get phone calls from Synchrony Bank stating that I have a balance outstanding in the amount of {$47.00}. I spoke to several representatives over the course of almost a year and I had lengthy conversations along with lengthy wait times while the representatives tried to figure out what the problem was. I received a number of excuses, none of which made any sense and when I asked for my issue to be escalated I never received a call back. Now this {$47.00} erroneous charge has resulted in an over {$200.00} charge and erroneous late payments on my credit report. I disputed the late charges with the credit bureau and Synchrony still refused to correct their error and update my credit history. 
As I have explained to the representatives if I owed this amount I would have no problem paying it, just as I have paid them over {$4000.00} for my flooring over the past year. But no one could even tell me where the charge came from or why they would issue me a refund check in the same amount that they are telling me that I owe. Was the refund check a scam to get me to initiate new credit with them? Or was this Synchrony 's way of making me pay additional since I got an interest free credit card, per their promotion? I need some answers and most importantly I need my credit report corrected since I pay Synchrony and all of my other creditors on time.

To add more insult to injury, Synchrony has sent this account to a collection agency which will further harm my credit standing for their error. 
I have documentation that I would like to attach to this complaint if possible. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my credit report and notice a large number of unauthorized inquiries and when i called they didnt assist me so i want to file a complaint!