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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # 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 XXXX 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 or other personal consumer reports

This is my XXXX 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. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX XXXX Account # 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 ( XX/XX/XXXX : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XX/XX/XXXX XXXX, Contact : Not Available ( XX/XX/XXXX XXXX, Contact : Not Available ) ( XXXXXX/XX/XXXX Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment
Product: Debt collection

This company has directly violated Title 15 U.S.C. 1666d in the treatment of an account with a credit balance. This company has also neglected prior violations against the consumer as well as openly stating nonpayment of the alleged debt would result in the seizure of my property directly violating Title 15 U.S.C. 1692e ( 4 ). The company never validated the alleged debt under Title 15 U.S.C. 1692g. In addition the company is still in violation of all the laws sited on the invoice that was sent to them along with an affidavit of truth that was not rebutted point by point as required and stipulated in the communication. The contact through a indirect medium has yet to cease as ordered to do so via the previously sent cease and desist order now showing willful noncompliance with federal law. 

In response to notice received XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX 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 : Account XXXX : Balance : {$710.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$310.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$160.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : XXXX : {$780.00} Account Name : XXXX  XXXX : Account XXXX : Balance : {$470.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$430.00} Account Name XXXX XXXX XXXX : Account Number : XXXX : Balance : {$780.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3100.00} Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1300.00} Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX  XXXX  : Account Number XXXX XXXX ****** : Balance : {$4600.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$600.00} And lists of unauthorized inquiries that don't have XXXX XXXX  to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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: Mortgage

I had a loan from Chase, from XXXX to XXXX, with an amount of {$15000.00}. This loan was paid off and I have bank letter confirming that. ( Loan number XXXX ). 

I worked on sell my property and closing date was set on XX/XX/XXXX. Title company search found that this loan is still bonded to my property. I sent bank letter stating loan was paid off to title company and started to request lien release from Chase on XX/XX/XXXX, I got a case number from Chase Lien Release Customer Research-XXXX. Title company only needs to see lien release paperwork from Chase so that closing can proceed last week, but Chase insist that it will take time to complete its own research despite its staff agreed that this loaned was fully paid off. 

When I search online, there are over 2200 complaints ( 1806+473 ) online about mortgage service from Chase , I will attach screenshot. Its escalation office seems busy in handling similar case, which indicate this problem is wide-spread. I like federal agency to know about this. Bank should process lien release 10 years ago as soon as loan was paid off. Who knows whether or not the lien release paper was sent out to county office. Only federal office has its authority to ask them to show evidences, the bank will not show evidence to individual consumer. Bank may be negligent in  processing lien release and put pressure on consumer instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

This my several endeavor to file a complaint in my personal credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe are possibly an Identity theft and it was deleted from other bureaus. the inaccurate information are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this information that's on my report, It does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have been trying to get my credit right I thought I didn't have credit at XXXX  except a hospital bill but turns out on my report that they sent in a letter from my request there was something that I know I didn't have anything to do with small business loan that wasn't me I don't even have a business haven't even thought about starting one can you please look into this I don't even know how long it is been there on my credit report because I just started checking that kind of stuff even though I'm XXXX it seems kind of late but now I realize that I need credit to get pretty much anything including apartments which I desperately need right now working a job for four or five years now I can't give the amount of debt because little paper that the credit brewery sent me didn't say so I don't even know how much stay buried my name exact today 's date is XX/XX/2021 I just found out this mouth because I was looking for an apartment for the first time in my name and I'm being denied because of they said my credit and when I requested to report I saw that there was something there I didn't do and there is a laborpool name automation sent me a letter telling me someone has breached there system and I need to freeze my credit that was about 5 months back I think from now XX/XX/XXXX can't remember exact but I should have the letter I assume it may be a family member and if it is I am pressing charges whomever it was because they obviously didn't care about my personal life whoever did this
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.
Product: Debt collection

I had a collections account for a XXXX Charge off with Northland Group. I paid Northland Group to settle the account. I accepted a settlement offer with the understanding the XXXX Account would reflect a XXXX balance as I agreed to the settlement offered to me by the Northland Group. On my credit report the XXXX account on my credit report continues to report a balance past due of {$220.00}
Product: Credit card or prepaid card

Barclaycard falsely claims I owe interest and penalties on credit card account. I paid for my purchases as soon as I received notice of them I dispute any remaining balance on the account, which I have closed. Here is my story. 

I have had a Gap credit card since XXXX. Unbeknownst to me, the financial institution that issued the card sold the account to Barclaycard sometime during summer XXXX. Also unbeknownst to me, without request to or permission from me, or paper notice to me, Barclaycard switched me from paper statements to paperless statements. 

The first I learned of this was a form letter received XXXX XXXX claiming my account was XXXX months overdue ( copy attached ). I called on or about XX/XX/XXXX and spoke to a rep who unfortunately had limited XXXX proficiency. This is when I learned that I had been switched to paperless statements. I searched my email, but had received no emails from Barclaycard. The rep told me to check the spam folder. All the emails from Barclaycard had gone to spam, which I do not read. Opening one of the spam emails, I learned that paperless statements is actually a misnomer, since the emails they sent out are not statements, but merely notices that ones statement is available in ones online account, along with an overall balance. 

Of course, I did not have an online account since I believed I was still getting paper statements. I requested the rep to switch me back to paper statements, and send me paper copies of all prior statements since they bought the account. 

The rep converted me to paper statements, but sent me the most recent statement only. 

Shortly thereafter, I received a letter dated XX/XX/XXXX saying my account was now three months past due, along with the current statement. 

I called again and spoke to XXXX, employee # XXXX, who agreed to send me all back statements and make a note in the file that I had not received any bills since Barclaycard bought the account. 

I received the back statements on XX/XX/XXXX, and immediately set up an electronic payment for {$430.00}, which was the full value of all purchases made, less returns. The next statement, dated XX/XX/XXXX showed a balance of {$190.00}, which is all fees and interest. 

I called again to have Barclaycard waive the fees and interest since the switch to paperless statements was not my error. The rep was not authorized to do that. I asked for someone with more authority, but that manager refused to credit the amounts, claiming that it wasnt Barclaycards error ; the previous institution had informed Barclaycard we were getting paperless statements.

Regardless of which bank made the error, I am not responsible for that error and do not rightfully or legally owe the {$190.00} in fees and interest.

Also of note, all email systems have a read receipt capability. Barclaycard had the ability, had they chosen to use it, to KNOW I had never opened any emails from them. Also Barclaycard knew or should have known that I never set up an online account, so could never have viewed any statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Spring Oaks Capital LLC has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have 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: Mortgage

New Rez became our mortgage servicer a few months ago ( XXXX XXXX   was the original servicer ), and they placed insurance on the property because they did not secure proper documentation from XXXX XXXX   indicating that we already had that. Once they informed us, we quickly sent them the necessary information. On XX/XX/XXXX, we have a letter from new Rez indicating that we had successfully proven our insurance coverage on the  property and the lender placed insurance was removed. On our XXXX mortgage statement, we observed the cost of the lender placed insurance along with a refund for that amount in full on XX/XX/XXXX, indicating indeed that our lender placed insurance was removed. Nonetheless, our mortgage payments went up as a result. I called customer service and they told me that our escrow balance was indicating a shortage because of that lender placed insurance so I had to request an escrow analysis. I did so in the beginning of XXXX. They told me it could take up to 2 weeks for the analysis to be done but once it was, the payment should revert back to the original amount. It has still not reverted despite numerous attempts to call and email them. I called customer service, got bounced around a lot on the phone with no one able to provide any semblance of an explanation for why the payments were still high. On my last call, the representative told me that the lender placed insurance was still indicated on my loan, even though they had sent me a letter 60 days prior saying it was removed. I emailed loan servicing and got no response ( now 8 days ago ). Meanwhile, my payment has still not been adjusted, so they are stealing money each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  XXXX Account XXXX XXXX Account XXXX : XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user of this XXXX account of which was explained to me by XXXX that this account would be reported to all national bureaus However I have reviewed my credit file with Experian and have not seen any reporting thus far for almost a year. I received document form XXXX XXXX explaining the request to have the account reported. I've attached XXXX 's document to reflect more information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : UHEAA XXXX - XXXX, XX/XX/2019 XX/XX/2019
Product: Debt collection

Continual harassment from Convergent Outsourcing , Inc . for a debt that is not mine. 

Please see upload documents for the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. An account with XXXX XXXX  was opened in my name for an amount of {$6000.00} on XX/XX/2022. I have no knowledge of this account and did not authorize it. I believe I was a victim of identity theft and I need the account and its late payments removed from my credit report.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries are on my report that resulted from identity theft. I have notified Equifax and provided my identity theft report but the inquiries are still on my report.
Product: Credit card

I have a XXXX, Wells Fargo App barely works, I submitted a payment thru the app that was never posted after everything I received {$37.00} late fee and a {$70.00} interest charged. I called on XXXX/XXXX/17 and they assigned me a executive because I said that I was going to file a formal complaint because. After this they told me to wait until they can help waived this for so I made a payment on the XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account XXXX : XXXX  XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt collection

I have requested from CDI AFFILIATED SERVI a verification of debt letter after seeing the collection on my credit report on XXXX and XXXX. I would also like to lodge a complaint that CDI AFFILIATED XXXX is breaking the law by not accurately reporting to all credit agency 's as XXXX isn't showing a collection and has no record for the collection of {$1200.00} for a medical bill that was paid for by insurance. I have not received any debt validation notice nor a letter of validation in the mail nor have I gotten a single phone call or person to notify me that I have any collection from CDI AFFILIATED SERVI. That is breaking 12 C.F.R. 1006.30 ( A ) AND ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX 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

XXXX XXXX XXXX purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... XXXX XXXX XXXX provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day XXXX XXXX XXXX is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. XXXX XXXX XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.