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

On XXXX/XXXX/XXXX I went to annual credit report.com and ordered my credit reports. I went to the dispute sight for Transunion and tried to register to file my dispute and it said I already had an account, so I did the lost username/password. I received a message that my account has been temporarily suspended and to call XXXX. I called and verified my personal information and I was transferred to a lady that said in XXXX I had paid for credit monitoring and opened an account, I said probably but I cancelled the credit monitoring and she said the only way I can unsuspend my account is to provide a credit card and I told her no I do not want credit monitoring I just want to be able to dispute some items on my credit report, she then replied there was nothing she could do unless I provided her a credit card number to reinstate my account.
Product: Debt collection

On XX/XX/XXXX, I received a collections credit alert on my credit report from XXXX XXXX for {$910.00} dollars. I contacted them and asked them to verify the debt, including agreement that authorizes them to collect this debt, the agreement which bears the signature of the debtor and the complete payment history which shows the amount they are truing to collect is valid. 

On XX/XX/XXXX, I received a canned letter from XXXX XXXX stating the debt was verified and a single page from a ( XX/XX/XXXX ) XXXX XXXX statement. The information they provided did not verify the debt. 

On XX/XX/XXXX, I mailed XXXX XXXX a second request to verify the debt and include the requested items required to verify the debt under FDCPA. They have not responded with the requesting verification.
Product: Credit card or prepaid card

I opened a store card with synchrony bank ( XXXX XXXX ) in XX/XX/2019. 
My card was approved. 
On my XX/XX/2019 statement I noticed a {$49.00} additional charge for a service that I did authorize. 

Synchrony bank falsely applied a card security fee without my authorization in violation consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXXDEPT OF ED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My father XXXX XXXX in XXXX 2017. I am his son and executor of his estate. My father had a home equity loan with Wells Fargo. I alerted Wells Fargo and requested they update their contact information and billing address. Apparently they did not do that and they mailed foreclosure notices to his home. Even after multiple calls and apologies from XXXX they still continued to mail out multiple foreclosure letters one after the other directly to his home address.
Product: Credit reporting or other personal consumer reports

This Account have violated my rights According to FCRA ; 1. XXXX XXXX XXXX ; account number # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XX/XX/2016 ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA.
Product: Debt collection

I do not know a lion loan was place on my credit report by NCA
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has broken the law. I did not authorize any of the hard inquiries that I am disputing to access my consumer report. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because of my right to privacy has been breached this has caused me XXXX  distress which is a crime pursuant to title 18. EQUIFAX is conspiring with the furnished company in the continuing violation of my constitutional protection rights. 

The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached identity theft reports, fraud reports and my Identification for these inquiries on my consumer report. 
( Transcript from XXXX XXXX XXXX sent to Equifax )
Product: Credit reporting or other personal consumer reports

XXXX, and EQUIFAX is reporting a late payment and shouldnt be according to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account : XXXX Balance on XX/XX/XXXX {$1800.00} Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting acengy can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion refuse to fix and follow FCRA rules and regulations in ACCURATELY REPORTING creditor account information on consumers credit files. While disputing previous LATES being reported by XXXX ( ACCT # XXXX ), The Credit Bureaus recently updated that I was more than late 30 days for XX/XX/2023. My payments are due on the 2nd of each month. I made my payment prior to XXXX. How are they reporting me late after they received the payment? They are deliberately keeping me in a negative account status which is severely impacting my credit. This is fraudulent reporting and it is illegal. I have attached a receipt of my most recent payment made and also a copy of a complaint I filed with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not properly investigating my dispute. The account keeps being updated incorrectly. XXXX  is clearly re-aging the account.It is reporting late payments after a charge off and not reporting the original creditor also.
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, 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 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to anxiety.
Product: Checking or savings account

I am reaching out to express my deep frustration with the XXXX service recently introduced by Chime. This service has led to significant financial disruptions, making it extremely difficult to manage my bill payments. When I initially agreed to try XXXX, I was assured by an agent that my advance limits would not decrease. However, contrary to this assurance, I have experienced a steady decrease in these limits, which has made paying essential bills challenging. 

Initially, Chime was consistent in releasing the advance limits in full, which allowed me to manage my finances effectively. Now, the advance is disbursed in small amounts daily, making it nearly impossible to meet my obligations, especially those that require a larger sum. I believe that this issue XXXX stem from a system error, as it seems Chimes systems do not recognize both my incentive pay and my regular paycheck, leading to inaccurate adjustments. 

Due to this issue, I have been unable to pay my therapist for the past XXXX months, which has had a detrimental impact on my mental health. Therapy is critical for managing my anxiety, which directly affects my ability to work effectively. In fact, on XX/XX/2024, I was forced to leave work early without pay due to the stress caused by these financial complications. 

I am requesting that Chime take swift action to resolve this issue by restoring my advance limits to a level that allows me to meet my obligations fully. Additionally, as a gesture of goodwill and acknowledgment of the inconvenience and hardship this has caused, I request that Chime refund all instant transfer fees incurred since XX/XX/2024. 

I trust Chime will take these concerns seriously and look forward to a prompt response and resolution. Please feel free to reach out to me via the contact information above to discuss this matter further.
Product: Mortgage

XXXX in the ReEntry Dept. called XXXX XXXX, XXXX, Wells Fargo 2nd level denied mortgage assistance application they received XX/XX/XXXX. She said there are no more options because of a time limit of 3 years given by Wells Fargo Mortgage the Investor. I asked why they continue to postpone foreclosure sale dates if they are going to allow the application not to be processed. Refusing to process application continues to increase mortgage my balance. She advised they're wanting me to seek out ways to get funds to have my mortgage reinstated. Wells Fargo has me in a line of credit requested FHA Loan when I purchased my home. I have been trying to get mortgage assistance for several years, Wells Fargo will not assist me. I don't want to lose my home to foreclosure sale date is XXXX XXXX. Resubmitted Mortgage assistance request XX/XX/XXXX, XX/XX/XXXX. 
I am being discriminated against because I am a XXXXXXXX XXXX who is a XXXX XXXX. LN # XXXX XXXX Foreclosure sale XXXX XXXX Process mortgage assistance request. 
Don't want to lose my home to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GM FINANCIAL located at XXXX XXXX XXXX STE XXXX XXXX XXXX, TX XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS WERE OPENED ILLEGALLY WITHOUT MY CONSENT. I NEVER SIGNED A CONTRACT WITH ANY OF THESE COMPANIES. 
XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX  XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX  xxxxxxxx XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX {$6200.00} 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, 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.

15 U.S.C. 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer the consumer identifies as information that is from an alleged identity theft, no later than 4 business days after the date of receipt. It has been more than 90 days and you are in violation of the law because I am a victim of identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I settled two accounts with XXXX XXXX XXXX XXXX ( settled for less than the full balance ). In XX/XX/XXXX, I received settlement letters from XXXX XXXX XXXX XXXX and their servicer XXXX. After receiving these letters, I had a credit specialist assist in expediting the updating of the accounts on my credit reports so I could proceed with buying my home. The accounts were updated removing the active balances on XX/XX/XXXX. On XX/XX/XXXX Equifax added the balances back to the accounts, dropping my score XXXX points. I filed two disputes per account to Equifax. Equifax claimed they didnt have the settlement letters, so I uploaded them with my second dispute and faxed them to Equifax. Despite having these letters, Equifax has refused to update the balances on the accounts. I made contact with XXXX XXXX XXXX XXXX to ask for an update on my accounts. XXXX XXXX XXXX XXXX has let me know two things : that the accounts are settled in their system, no balances due from nine to them AND that Equifax has not made an attempt to contact them, despite it being a requirement for them to reach out to the creditor for verification of the status of the account. I have also not been able to review the results of my last two disputes as they are inaccessible when listed online, and they have not mailed me the results as required. The only results I have received have been by phone, telling me that the balances have been deemed accurate as reported. During my last phone call at the end of XXXX with Equifax, I submitted a formal complaint regarding the dispute department. The customer service representative I was talking with agreed with me that the account should not be carrying active balances that are affecting my credit score since I settled them and have the letters to prove it.
Product: Checking or savings account

In XX/XX/2018 I received a {$50.00} Bill Pay offer from BBVA. The terms specify that I must make XXXX qualifying transactions ( at least {$10.00} to a party other than oneself ) from the same Bill Pay account before XX/XX/2018. I made payments to XXXX/XXXX/XXXX XXXX  XXXX all on XX/XX/2018 but never received my {$50.00} bonus. I have contacted BBVA numerous times regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collections - summary XXXX TransUnion XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Name XXXX XXXX Date Assigned XXXX XXXX XXXX Original Balance {$160.00} Current Balance {$160.00} Responsibility Individual Status Collection account Comments Placed for collection XXXX XXXX Collections - summary XXXX TransUnion XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

ALLY FINCL never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit 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 Account # 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 account without my written permission XXXX and XXXX n has stated XXXX XXXX was verified has failed to show proof of verification on more than XXXX disputes.