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

In Accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acts Has Violated My Rights XXXX 

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: Credit card or prepaid card

Thief opened up a Pay Pal Acct. under Synchrony Bank on XX/XX/XXXX ... using my ss # and address. They did the same to my husband. They got cash advances and also sent strange packages to my house from XXXX XXXX. Around XXXX of XXXX I tracked a vendor in CA who told me it was a PayPal acct. I called Pay Pal, they could not match my ss # with any acct ... I have told PayPal that I would send packages back ... PayPal did not assist me. On XX/XX/XXXX I got a letter in the mail saying a line increase was refused in my behalf on a PayPal acct. Synchrony Bank. I never opened this account. I immediately shut it down. I filed fraud forms with Synchrony Bank put they are refusing them because acct. was open more than one yr.and had verifiable payment history. On XX/XX/XXXX I filed a police report in behalf of myself and my spouse. 
I never received any statements in the mail during this time, the thiefs did everything on-line, they paid the minimum amts to keep acct active. I have very good credit, this is tied to a company I own.
Product: Checking or savings account

I took a loan out XXXX XXXX. XXXX XXXX XXXX. XXXX LOUISIANA. I PAID THE LOAN OFF ON XX/XX/XXXX FOR XXXX TO XXXX XXXX XXXX LOGGED IN AS XXXX XXXX. ON XXXX XXXX A UNAUTHORIZED CHARGE OF XXXX TAKE FROM MY ACCOUNT UNAUTHORIZED. REPORTED TO CAPATIAL ONE BANK THEY GAVE ME CLAIM # XXXX. 
I REQUSTED CAPITOL ONE TO GIVE ME TO FRAUD DEPARTMENT BUT AFTER 6 WORKING DAYS STILL HAVE NOT RECEIVED ANY HELP FROM CAPITOL ONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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, 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

XXXX ; Experian and XXXX are reporting incorrectly lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 10 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, XXXX XXXX account XXXX, XXXX XXXXXXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter signed from XXXX ( of Chase bank ) in regards to my in regards to my initial letter disputing the credit inquiries on my XXXX & XXXX reports dated XX/XX/XXXX & XX/XX/XXXX respectively. She mentioned that this was a valid inquiry and stated that it occurred on XX/XX/XXXX. Not only did I not authorize or make any inquiry on XX/XX/XXXX or XX/XX/XXXX, but I did not make any on XX/XX/XXXX as XXXX specified.
Product: Checking or savings account

I recently opened a checking account over the phone with a representative and not one disclosure was read to me, I was never asked about any of the federally required questions that are regulations per the patriot act, and I was never even asked basic questions ; like if I wanted a joint account or any beneficiaries. I work for another financial institution, and often open accounts for folks requesting them over the phone and I was honestly alarmed at the lack of procedure to open this checking account. I said I wanted a checking, and about 30 seconds later, it was open with no questions or disclosures, no W-9 form, and no signature card. It just seemed odd to me and I felt obligated to report this lack of oversight. I have been a Navy Federal member for over a decade, and I have enjoyed doing business with them, but again, I was very alarmed by this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED TO GET AN UPDATED CREDIT REPORT FROM COMPANY WITH THE NEW SCORES, THEY ARE SENDING OUT FAKE SCORES TO PEOPLE AND THEY HAVE FAILED TO UPDATE CREDIT REPORT XX/XX/2022 ACCORDING TO THEIR WEBSITE.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for helping me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad account appearing on credit report. 



XXXX XXXX XXXX {$110.00}
Product: Credit card or prepaid card

Hello, I went to XXXX about XXXX to XXXX weeks ago. As I was at checkout I was asked if I wanted to join their rewards program ( I didnt know this would be to apply for a credit card since the association said it was a rewards program ) so I said yes. She had me fill out some information. After I filled it out she let me know that my application was denied at the moment and that Id get a letter in the mail explaining why. Didnt think much of it until I received the letter explaining why I was denied credit. In my defense I was never told I was applying for a credit card, I was told a rewards program. This is the reason as to why Im reaching out today. I would have never applied for a credit card knowing my current credit score situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 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. 

XXXX XXXX XXXX  Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXr Date : XX/XX/XXXX XXXX XXXX XXXX  Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2015
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024 Wells Fargo reported a negative credit incident related to my credit card. The information provided to XXXX credit reporting agency is materially FALSE and unsubstantiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - ( XXXX ) XX/XX/XXXX I am submitting a complaint on the inquiries XXXX have received from above. I have not authorized these companies to view my credit history. I am requesting to have the above credit inquiries removed from my credit report. I have not authorized these companies to view my credit history, and I believe that their presence on my report violates the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

For an accreditation report, I needed to have a credit score done. It provided a link to Transunion, where I received my FREE credit report ( and it was advertised that way ). You can go to their website and see where they advertise FREE ANNUAL CREDIT REPORT at https : //www.transunion.com/get-credit-report. 

In addition, the XXXX webpage it sends you to states : " FREE Credit Reports. Federal law allows you to : Get a free copy of your credit report every 12 months from each credit reporting company. 
Ensure that the information on all of your credit reports is correct and up to date. '' I never signed up for the credit monitoring service I was thereafter charged for, nor did the credit check inform me that I would be charged for this. I just realized on my credit card statement that I have been being charged $ XXXX since XXXX of 2021. I never signed up for a credit monitoring service, I never was told I would be charged for one, and I never used any such service. I want a full refund, this is deceptive business practices if not fraudulent.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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  ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX , ( Original Creditor : XXXX XXXX XXXX, ( Original Creditor : 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
Product: Mortgage

My mortgage servicer is Citizens XXXX XXXX. The original servicer was XXXX XXXX XXXX XXXX and was sold to Citizens without our knowledge. I applied for was approved for a forbearance plan to which at the end of the forbearance the total of the unpaid portion of the loan resulting from the forbearance was to be moved to the end of the loan. When the forbearance ended I was told that I had to bring the entire amount current. At that time I told the mortgage company that i was unable to do so and applied for a loan modification to allow me to be able to make reduced payments while paying an additional amount monthly to bring the account current to which I was denied and the account was placed for up for a foreclosure sale. I applied for the XXXX XXXX XXXXXXXX through HUD and during the review period they assisted with getting the foreclosure post posted. During that time I attempted to continue to make monthly payments on the mortgage and was told by the mortgage company that they would not allow me to make a partial payment. I was advised that the entire past due amount would have to be paid before I would be allowed to make any regular monthly payments. Once I had been accepted for the HAF assistance the underwriting dept with HUD requested a reinstatement letter from both the foreclosure attorney and the mortgage company and stated that they did not match. The mortgage company was contacted several times to have the corrected documentation sent to HUD and after several months we have still not been able to get that information from them. Because of the delay from the mortgage company I am no longer able to receive the XXXX XXXXXXXX XXXX XXXX because the program has been closed. The HUD counselor and myself called the mortgage servicer and requested that I be allowed to apply for another loan modification and/or a partial claim credit. The mortgage company advised that I could attempt to apply for a loan modification but that it would most likely not be approved and they refused to allow me to apply for a partial credit claim. I have applied for a loan modification and as of now it is still pending and they refuse to post-pone the foreclosure sale date to allow time for the loan modification application to be processed. I have also emailed an appeal letter to the HUD escalations dept to see if the HAF application can be reopened. That appeal was denied because the program is closed. The only other program that is available for me to apply for is a partial claim refund program. However, the mortgage servicer will not allow me to apply for that assistance The foreclosure is scheduled for XX/XX/2024 and I have also reported this to the FHA and have not received any correspondence from them at this time. I am terrified that I am going to lose my home even though I have tried to work with the mortgage company and HUD for assistance. I have XXXXXXXX XXXX children and have no where to go if we lose our home.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated myfederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681section 604a section 2 it also states the consumer reporting agency can not furnish a account without my written instructions 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 adverse item of information, other than records of conviction 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

I have attempted to dispute this item with them the firs time they issued me notice. The last few times I have disputed it through al 3 credit bureaus but I am being denied any further dispute attempts. A validation request was sent but no response has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see inquires on my credit report that I dont know what they are. More than one. XXXX XXXX XXXX XXXX XX/XX/XXXX. I dont know what that is and I didnt inquire anything from them. As well as XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. I believe someone is using my information.
Product: Credit card

I have never been associated with XXXX and they have 2 credit card accounts for me one  is XXXX  XXXX the other is XXXX XXXX and the information is incorrect and not my accounts account numbers XXXX and XXXX
Product: Mortgage

My mortgage with XXXX XXXX XXXX  was discharged in bankruptcy on XX/XX/XXXX Then, the worthless mortgage was acquired by Ocwen Loan Servicing LLC [ OLS ] on XX/XX/XXXX almost 18 months after the bankruptcy for {$130000.00}. 

Then on XX/XX/XXXX OLS began foreclosure proceedings in XXXX County Court, Florida. I was told that the Foreclosure was for clearing the title and not an attempt to collect the " XXXX '' debt. 

The subject property was sold on the market in XX/XX/XXXX for {$160000.00}. 

On XX/XX/XXXX the property loan balance {$130000.00} was removed from OLS books including late charges of {$1500.00} The removal of the loan balance, called a " cancellation '' of debt by OLS, created a XXXX for XX/XX/XXXXof {$130000.00}, FIVE years after the bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous items which are being indicated in my report.

Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX  Balance Owed : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I only have 7 days each month to make a principal only payment on my HELOC loan. Flagstar Loans takes my autopayment on the XXXX of the month and then they process my monthly bill on the XXXX They only allow principal only payments between the XXXX XXXX XXXX so I'm unable to pay towards my principal between the XXXX through the XXXX every month. They, however, charge daily interest on my principal balance while not allowing me to pay it down with extra payments during the month.
Product: Debt collection

I received a call from APELLES at XXXX, on Friday the XX/XX/XXXX, which woke my daughter up. This is clearly a violation of the communication tactics approved by current law.