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 three major credit bureaus of XXXX, XXXX, and Experian, along with XXXX XXXX, an automobile leasing company, has violated my rights. According to 15 U.S.C. 1681 Section 602A states that I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without consent, and I did not give any of these entities ( XXXX, XXXX, Experian, or XXXX XXXX ) permission to publicize my personal information. Therefore, I am requesting that this account be deleted/removed from my credit reports.
Product: Credit card

XX/XX/2024 Synchrony Bank has continuously harassed my credit score and limits and closing multiple accounts based on nothing I have never missed a payment or paid more than minimum payment They have stocked all my accounts wity them and sabotaging my credit even though as the debtor I have held my end of the payment agreements why they keep unjustly attacking me and so many others they dont really say so by doing what there doing it looks like am maxing my credit and closing not paying them which it does say there are satisfied this is extremely unethical unjust predatory practice hurting me for actually holding up to the agreement they need to be investigated!!! To many customers they are unjust XXXX
Product: Credit reporting or other personal consumer reports

I never gave XXXX, Experian, or XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. I have made multiple attempts by phone and mail to resolve the matter but they continue to negatively effect my livelihood, reputation, and ability to secure credit. 

They do not have any permissible purpose to furnish my personal information to any third party as I have the right to privacy per 15 USC 1681a. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am aware of my federal rights as a consumer now. The company, and or agents are negatively affecting my ability to secure credit/loans. Furthermore, a charged off account is in tern considered income for the company in respect for tax purposes and income can not be furnished on a consumer report either. Again, this is not a request that the below referenced accounts/items be removed from my consumer report, but rather a DEMAND. I'll allow 15 days from receipt of this complaint to comply and remove the listed accounts before I begin to take legal action, seeking the highest remedy and resolution in court. 

As a consumer, I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( EXPERIAN, XXXX, AND XXXX  )
Product: Checking or savings account

I closed my Wells Fargo over a month ago. I went into a branch and closed it. On Friday, XX/XX/2024, a deposit was accidentally sent to the closed bank account. Instead of Wells Fargo sending the ACH back, it reopened the account and took my money to pay a debt that I owed to another entity. I was a victim of an XXXX. I have a XXXX XXXX XXXX XXXX XXXX XXXX I was going to use that money on medical expenses. Wells Fargo had no XXXX business reopening that account. It was closed for a reason. Wells Fargo needs to give me my funds before I pursue legal action against them. They had no business reopening a closed account without my permission.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late '' or complete DELETE THE ITEM? 
un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX  Account : XXXXXXXX XXXX  Account : XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts listed on my credit report, and I have no idea how they got there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it was just a glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have provided so that I wont have to worry about this problem anymore.
Product: Student loan

FAMS called friends and family members that I had not disclosed their personal numbers to inform them of my debt. What is eerie is how they acquired this information because XXXX family member they called, in particular, was my grandmother whom lives in a geriatric community. They called her house phone ( land-line ) when she does not even live in the states. She had no idea of my student loan because I did not want her involvement, and she has a XXXX XXXX. She called me crying and nervous because FAMS had called her saying I was in trouble and she needed to confirm my address and cell number. She asked what they wanted with me, and they told her that I was in trouble and she needed to help them help me. My grandmother was called three hours after my uncle, whom also was not informed of my debt, and was phoned on his private cell. XXXX do not live in the states, of which FAMS knew, because they sent operators to speak in XXXX. In addition, my uncle, whom does speak English, had confirmed to them my information, to which they disclosed my debt. Hence, why did they call my grandmother three hours after they had illicitly spoken to my uncle, whom confirmed the information they supposedly did not have? Those are only XXXX, atrocious examples go the violation of privacy and dignity FAMS caused against me. They called my family, whom did not know, and suspiciously acquired their information. Absolutely none of the information they have on me uttered these family members names or information, particularly because my " uncle '' is actually a third cousin of my mom, whom I call " uncle '' out of love. When I confronted FAMS on this situation they lied, and claimed that these people were listed as " recommenders '' for my loan. My XXXX grandma with XXXX and poor XXXX did not write me a student loan recommendation. In addition, I would never tell my family of my student debt, especially my uncle. It made no sense. They then proceeded to apologize, but never to told me how they got the information. FAMS is supposed to be in association with XXXX, which had my loan prior. Thus, they already had my number, email address, and address. They did not need to call anyone and did so to embarrass me through cruelty.
Product: Debt collection

Transworld systems has been trying to collect an invalid debt. I asked for validation of the debt aside from the wrong information they're using to validate the debt they didn't send me the letter within the 30 day period. This invalidates the debt and allows me to collect {$1000.00} from them. I sent the letter asking for debt validation via certified mail with return proof. I sent to their headquarters and where they told me to send it. They signed for it on XXXX/XXXX/23. The letter they wrote validating the debt is labeled XX/XX/23. The letter I sent where to send it too they have a stamp that says " XXXX XXXX '' which they put in the date of delivery. I'm not sure what day XXXX XXXXXXXX days but it's over 30 days. 

So the validation was wrong and they broke the law by not responding in 30 days and I don't know if it's legal to use a stamp to sign for certified mail and not fill in the day you received the letter. Also the debt validation has wrong information it says XXXX XXXX was my referring physician. This is wrong and I will be googling and telling him that he is being used by a debt collection company to justify a debt. Also there's minimal information on the actual validation. It's riddled with blank spots. The original creditor XXXX XXXX should be investigated for insurance fraud XXXX XXXX did not refer me to them.
Product: Mortgage

We refinanced our home in XXXX XXXX 2015. We were given a payoff amount of {$270000.00}. This should have included the total amount owed to Nationstar. We surprised when we only received a refund check of XXXX instead of XXXX. These funds were in our escrow account for property taxes. Nationstar informed us that XXXX was deducted for MI XXXX in XXXX. Why they are charging us MI for XXXX is unknown if the loan was paid off in XXXX. Furthermore, they took a long time to credit the payoff to our account causing us to pay extra interest.
Product: Credit card or prepaid card

In the process of filing bankruptcy and was instructed to show activity on my discover account until filed. I set up an auto payment of {$5.00}. I just found out that for the last 2 months, they have attempted to take out XXXX and then XXXX from my bank. I called and their answer was that there is a disclosure that states that the full minimum will be taken if the " other '' amount I select is less than th mimimum. I canceled and set up a new one to be sure and the disclosure is in small print and confusing verbiage. I believe this is an unfair and deceptive practice that needs to be addressed. They said they don't do this for 1 time payments so why would they do it for an auto payment? This practice needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting on my credit reports on all   XXXX   bureaus as if I owe them money and this account was established in  2016.  I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from a ll    XXXX   bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for their egregious violations of the Fair Credit Reporting Act ( FCRA ) and the substantial damage they have caused to my credit profile and financial stability.

Here are the facts : I paid off a car loan with XXXX in full with a {$29000.00} cash payment. I have documented proof from both my finance company and bank confirming the payment was made. 
XXXX reported the loan as paid and closed to the credit bureaus. However, a week later, they falsely claimed my payment was late. After contacting them, XXXX acknowledged receiving the payment but did not correct their erroneous reporting. 
As a result of XXXX inaccurate and irresponsible reporting, my credit score dropped by XXXX points, which directly caused : The loss of my job, where maintaining a certain credit score was required.

My disqualification for a home loan, crushing my familys financial plans.

This reporting error has had catastrophic consequences for me and my family, and XXXX must be held accountable for violating my consumer rights. Specifically, XXXX has breached the following FCRA provisions : 15 U.S. Code 1681s2 Duty to provide accurate information to consumer reporting agencies. XXXX failed to meet this obligation, as they initially reported the loan positively, then erroneously changed it to a negative status.

15 U.S. Code 1681i Failure to investigate disputes. Despite my providing proof of payment, XXXX has not corrected the inaccurate reporting in a timely manner. 
Cases like XXXX XXXX XXXX XXXX XXXX XXXX XXXX highlight the FCRA violations present in this matter, and I am prepared to take legal action if this issue is not resolved immediately. The harm done to my credit, employment, and home-buying process demands compensation.

If this issue is not resolved immediately, I will pursue further action, including filing complaints with the XXXX XXXX ( XXXX  ), the FDIC, and the OCC. Additionally, I will be moving forward with legal action to ensure I am fairly compensated for the damage XXXX has inflicted on me and my family.

I have attached all documentation, including payment proof and communication records, to support my claim.

I expect a prompt response and a thorough resolution to this matter.
Product: Debt collection

On my credit it shows that i owe this debt but its not mine. My identity has been stolen i wouldn't doubt that someone open this account in my name.
Product: Credit reporting or other personal consumer reports

I've tried to remove incorrect addresses off my Equifax report and also to add my correct address and they have yet to let me do this and also they will not give me the option to dispute it. My other two credit reports have the correct information Equifax is reporting in the wrong information and refuse to do anything to make it correct
Product: Credit card

I sent in payment and got a late fee. I want to be refunded.
Product: Checking or savings account

I gave a teller at Chase Bank a paper check to deposit in my checking account on XX/XX/2018. She scanned the check and gave me a receipt of deposit. The following day XX/XX/2018 the check was available in my account. On XX/XX/2018 the deposit in the amount of the check had been removed from my account and a return check fee charged. After multiple calls to customer service it was decided the check had not been properly scanned into the system and the account number on the check was missing some digits. I was guaranteed multiple times during each call with customer service that the original check would be mailed to me in three to five business days. I was told, by Chase customer service, that this would be the only way I could prove the discrepancy. I received in the mail on XX/XX/2018 a copy of the scanned check, not the original or photo copy of the original check. I called customer service explaining the situation and demanding the original check and was told it was not their policy to return original checks and that the scanned copy was of legal tender and that I could not have the original or photocopy of the original check returned to me. The company that issued me the check did not have a copy of the original check but did tell me part of the account number was not showing on the scanned copy of the check from Chase bank. Chase bank charged my account multiple overdraft fees. Due to this error I owe other businesses large sums of money. I opened this checking account with Chase Bank on XX/XX/2018 and was promised by Chase Bank a signing bonus for opening the new account. I was told the signing bonus would be in my account by XX/XX/2018. I never received that signing bonus.
Product: Credit card

Charge on my Capital One Visa credit card for {$130.00} on XX/XX/year> from merchant " XXXXXXXX XXXX XXXX '' I never gave this merchant authorization to charge my credit card. 
They claim the charge was for a no show cancellation fee, however they never sent any text or email reminder. And the fact remains that I never gave them permission to charge this card. 
The merchant had my card details from a previous appointment and took it upon themselves to use this card to charge me {$130.00} for not showing up. 
The merchant provided a copy of an on-line cancellation policy form with a box checked acknowledging the policy, however there was never an appointment booked on-line, nor was this document ever provided to me. This document is fraudulent. 
Capital One at first credited the charge, however they later reinstated the charge. 
At this point neither the merchant nor Capital One will provide any help in this matter. 

Contact info - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX. 

Capital One XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Tell XXXX XXXX Case # XXXX XXXX XXXX
Product: Debt collection

I had disputed the information from my credit report from XXXX, XXXX, XXXX, but I didn't receive the documents needed to verify accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX, XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Mortgage

Our mortgage company incorrectly read a bill from our Home Owner 's Insurance Policy prior to closing. They " thought '' it was paid but never called either us as the borrowers or the insurance company to confirm that there was a zero balance. They never asked for confirmation of the payment. They then wrote our contract to reflect that the insurance was paid prior to closing and did not collect the premium during closing. It was never explained to us that this was happening. We were unaware until after closing when our Insurance company started sending us letters letting us know that this was not paid there was an issue. We called the mortgage company to see why it was n't paid and it was at that time ( almost a month later ) that we were advised of this. They refuse to adjust our escrow so that we can pay the insurance monthly, tried to make us take force insurance which is 4 times higher then our XXXX XXXX policy, and refuse to admit their error or assist us in any way. They were sent multiple bills from the insurance company that they did not follow up on and from the beginning we were advised that they would be taking all insurance and taxes out of escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion on XX/XX/2022 to remove the extended fraud alert from my personal credit report. Verified my information over the phone to multiple customer services representatives only to be instructed the request could not be completed. I contacted XXXX and XXXX and removed the fraud alert with no complications.