23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | These accounts/inquires have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to 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, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a law suit against XXXX XXXX XXXX XXXX in the United States District Court For the XXXX XXXX XXXX XXXX XXXX XXXX which it's still in dispute and litigation. The Credit Bureau ( Experian, XXXX, XXXX ) and XXXX XXXX XXXX XXXX are reporting negatively on my credit report which is in violation of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent in letters regarding inaccurate reporting false items on my credit report and i have not received a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.
Product: Mortgage

I am really concerned and honestly afraid. My loan was recently sold to SLS Mortgage - Specialized Loan Servicing from XXXX XXXX XXXX. My monthly payments are {$1400.00} a month. My principal balance was XXXX on XX/XX/2016 I made an {$8000.00} payment and asked that the rest be put towards the principal. Today XX/XX/XXXX I went to look at the transaction history and it is a mess and says I owe XXXX and that they did receive and cash my payment. Please help. I called today and spoke to someone that wrote a note I the system so that I can be fixed and the guy was nice but so unprofessional. he used words like a, da, bummer. I have also never received a statement and I told the person as well and he was like a ok what kind of statement. I asked to speak to a supervisor and no supervisor. Please help, is t his a legit business?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX XXXX XXXX Veteran, I had a home financed with Wells Fargo Mortgage Account number XXXX for my VA home loan locations of home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past SEVERAL years i have told Wells Fargo that my loan was transferred to the VA and WF paid off, yet Wells Fargo continued to Lie, Misled, Alter documents and records and submitted for several years false and inaccurate information thus damaging my personal credit, WF refused numerous times to correct the Credit Reports and continue to lie and caused me serious financial hardships and higher loan interest rates etc .... This went on for years even the Credit reporting agencies told me time after time that WF reuses to correct the problems and it continued harm me. 

Finally Wells Fargo got caught and I received a letter that WF now admits they erred for years on my credit and loan on my home. This letter received last week admits the problem and they now years later are letting me know they screwed up my credit for years. It has cost me dearly to the amount of over {$11000.00} in financial loses and denials, and higher interest rates all because they lied. Knowlingy misled me, other banks, credit cards etc. all causing me financial ruin.
Product: Money transfer, virtual currency, or money service

According to the false accusations on the paper work it say  XXXX  and I was not aware if it I would think that someone would call they said it was done via web. And I do not get in there as well as j do not know how come no calls no letters Nothing until the gentleman pulled up  XXXX  so I call remarks from company '' sir please get an attorney we no longer shall speak to you. Now you never have until then and wow that 's what I was thinking
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. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : U.S. Bankruptcy Court : Account Number : XXXX Account Name : US BKPT CT IL XXXX  : Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, credit repair services, or other personal consumer reports

hi This is XXXX XXXX! I have several issues with XXXX  and XXXX, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying XXXX XXXX XXXX XXXX, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but CitiBank, XXXX, and XXXX  are discriminating my credits and providing wrong information to lenders. If lenders pull credit reports from XXXX and XXXX, it always get denied and it shows I have delinquent. Government should take stern action against these companies.
Product: Credit card or prepaid card

I XXXX XXXX XXXX am a co authorized card holder on the sams club master card account ending in XXXX. Have every right to speak about this account as its reported on my credit report. 

This account was closed on or about XX/XX/2020 due to a car window break in on my, XXXX XXXX XXXX car. The criminal stole my wallet which contained sams club master card etc, somewhere between XXXX located at XXXX XXXX parking lot located off XXXX in XXXX Tennessee. Which is down the street from XXXX Tennessee. Attaching photo to authenticate the link below. Copy and paste link below showing break in on My car, talking with local law enforcement as I called Them to report the crime. 


XXXX : XXXX I cant even validate the contents inside or if this even allegedly came from synchrony bank relating to sams club card ending XXXX XXXX since this envelope came in such poor condition, I cant even validate that USPS even delivered it .Copy paste XXXX link to see alleged envelope from synchrony bank XXXX : XXXX
Product: Mortgage

Detailed Chronology : XX/XX/year>XXXX  I mobile deposited my first Citizens Bank home equity line of credit check for XXXX XXXXXXXX into my XXXX brokerage account. It looked like it was deposited successfully. 
XX/XX/year> Citizens Bank called me to verify the check, which I appreciated. 
XX/XX/year> The XXXX XXXXXXXX, along with transferred XXXX  from my Roth Ira and Required Minimum Distributions into the brokerage account, I wired the closing $ to the attorney 's escrow account for the closing of our new townhome. 
XX/XX/year> Citizens decided to return the check from XXXX, putting my brokerage account into a negative margin call position, since the funds had already been wired for the closing. This was 12 days after depositing the check! They did not call/email/txt me that they had returned the check from XXXX. 
XX/XX/year>XXXX  I called Citizens when they opened on the XXXX, and they told me it was probably due to a fraud alert on my signature, but couldn't be sure. I wrote and deposited another check for XXXX XXXXXXXX immediately. Then I spent a lot of hours on the phone with XXXX explaining what happened. They were excellent! They saw the second check pending, and held off selling all my brokerage holdings to see if the new check would clear next business day. 
XX/XX/year>XXXX  The second check cleared and the brokerage account was restored to its original status. 
This experience was a nightmare!
Product: Credit reporting or other personal consumer reports

This is to follow up in regards with the delayed removal of fraudulent item or this inquiry from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized inquiry on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of this item. I was assured that corrective measures would be taken without undue delay. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent item. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. I am asking for your assistance to remove the fraud item : XXXX XX/XX/year>2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an outstanding bill of {$130.00} from an XXXX XXXX medical provider. The provider did not update my billing address at the time of service so the bill was sent to the incorrect address. I was not aware of the bill until after the item went to collections with XXXX XXXX XXXX and I received a direct phone call from the collections agency. I paid the bill immediately upon notification and extinguished the debt. 

As a result of XXXX XXXX clerical error I have a collections Derogatory Mark which is negatively impacting my credit score. I disputed the issue with Equifax and all they did was confirm that the debt was mine, which I don't dispute. I dispute the legality of the debt going to collections without being contacted. Equifax left the derogatory mark on my credit report and updated the dates associated with the extinguished debt.
Product: Mortgage

My wife and I applied for a Home Equity Loan with Bank of America to pay off some debts, credit cards, department cards and auto loans.The loan process started approximately at the start of XXXX XXXX. My wife talked to XXXX XXXX at XXXX ext XXXX email : XXXXXXXXXXXX. We received an email on XXXX XXXX XXXX to review Loan Documents, which are new documents related to the mortgage loan application are now available Bank of America online in the Home Loan for our review. XXXX sent us an email on XXXX XXXX explaining us what we need to provide them to start the loan process. Which documents was provide. They are as listed ; One month of paystubs, W2 's XXXX & XXXX, a letter explaining them a credit was run from XXXX on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, from XXXX on XXXX/XXXX/XXXX ' How long we lived at the previous address, why we were delinquent on payments from certain credt cards, some accounts that were place on collection. Then on XXXX XXXX we recived a Conditional Loan Approva from XXXX XXXX @ XXXX email : XXXX. Then approximately on XXXX XXXX my wife received a call from XXXX XXXX and letting us know we must close out credit card department cards cards in order for Bank of America will pay off the close accounts except the auto loans which they also be paid off. So we had a conference call from to verify the credit cards and department cards are closed. Once we closed the accounts and they were verify by a representative from XXXX we were promise the loan will be closed on XXXX XXXX XXXX. A few days later we received a Notice of Action Taken letter via mail dated XXXX XXXX XXXX which is telling us we were denied on the loan. We were told from XXXX the loan will close on XXXX XXXX and she now tells us we were denied on the loan because we applied for other credit card accounts, which we have never did. We were told not to apply so we can get approval on our loan. We have left numerous emails and phone message on XXXX XXXX XXXX to XXXX. On XXXX XXXX XXXX we talked to her so Bank of America can provide us some proof when and where we applied for credit. She responded that there is nothing they can do and they are not liable. Now our credit scores were about over 650 now they are at XXXX. Since we closed the accounts and Bank of America did not pay the loans they promise, we have been receiving phones calls every day from the creditors when we will pay off the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES, IM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS VIOLATION OF THE FAIR ACT.
Product: Debt collection

I hope this message finds you well. I want to bring to your attention that the account in question ( XXXX XXXX account number : XXXX Date Opened : XX/XX/2010 Balance : {$3900.00} ) is fraudulent, and I have already reported the issue to XXXX XXXX. They have acknowledged the error and assured me of updating their records accordingly. As there is no legal binding agreement for this account, I am urging for its immediate removal from my credit report.
Product: Debt collection

National Credit Adjustors XXXX I have been contacted in XXXX by the company saying I owe the above amount. I requested debt verification information and was told I would receive it within 90 days. I never received it so when they contacted me again in XX/XX/XXXX I again requested the info and was told would receive within 90 days. After the 90 days i asked the debt be removed but was told i would receive the verification in 30 days. I asked if it could be removed from my credit report and was sent another payment email instead of a response. I feel I have wasted enough time requesting the verification info and waited long enough with the negative debt on my credit. I would like the debt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

They never respond to me and continually report wrong information on all 3 of my reports, I have submitted paperwork asking them to remove it from my report, this company Exeter finance has been reported to the XXXX XXXX XXXX for there unsavory practices to the consumer, they have had many complaints filed against them from consumers to the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Synchrony Bank has violated my rights. 

15 USC 1681 Sec 602 states I have a right to privacy.

15 USC 1681 Sec 604 A Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Exclusions.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Synchrony also claims that the company does not make these form of updates. They claim that it is due to integrity. Please investigate this matter as it's discriminatory and I know for sure these adjustments have been made for others and I would like the same under my personal right.
Product: Credit reporting or other personal consumer reports

XXXX & Experian are incorrectly reporting the account listed as XXXX XXXX there are several inconsistencies in the account listed. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA these creditors has violated my rights. Under 15USC 1681 SECTION 602 states I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15USC 1666B a creditor can not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. Here 's a list of the companies XXXX  Upgrade, 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 obtained a copy of my credit report on XX/XX/2023 after I requested an investigation into a serious matter with the items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These items where never verified nor have I ever entered into any contracts with these corporations. According to 15 USC 1681 ( a ) ( 4 ) My right to privacy has been violated and now I am seeking further action against these corporations. XXXX has taken action by removing XXXX XXXX XXXX XXXX which indicates that there is no legit reason for the account to still be reported with the other agencies. However the other account XXXX XXXX XXXX needs to be removed as well.
Product: Credit reporting or other personal consumer reports

XXXX. [ XXXXXXXX XXXX XXXX  XXXX ] account was sold to [ XXXX XXXX XXXX  ] but still shows a balance owed and has not been updated to reflect a {$0.00} balance or marked as sold or transferred, in violation of FCRA 623 ( a ).

There is inconsistent and incomplete payment history reported across bureaus ( e.g., reported on Experian but missing on XXXX ). 
XXXXXXXX XXXX XXXX XXXX  ] ] account was sold to [ XXXX This account exhibits the same issues : it was sold to [ XXXX XXXX XXXX ], but the original creditor has not marked it as sold, transferred, or updated the balance to {$0.00}. 
Inconsistent and incomplete payment history reporting continues to violate FCRA standards. 

[ Add additional accounts following the same structure as needed. ] These inaccuracies violate federal law, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally : Experian has a history of failing to properly verify disputes, and this negligence undermines confidence in their credit reporting practices. 
XXXX 2017 data breach exposed sensitive consumer information, further demonstrating their lack of reliability in maintaining accurate reports. 

Per the Federal Trade Commission ( FTC ) guidelines, inaccurate or unverifiable information must be deleted from credit reports. As such, I am requesting the immediate deletion of these accounts from all credit bureaus ( Experian, XXXX, and XXXX ).