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. 

-XXXX  XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX has XXXX my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

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 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 or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

I have XXXX late payments being reported by Capital One. They are being reported on a credit card that I had during the covid XXXX pandemic. I have had it paid off in full as of XX/XX/XXXX. I called on XX/XX/XXXX to request some type of action taken to help remove these late payments, due to the fact that I have not had a single late payment, or missed payment on my credit report since this incident. Including on an auto loan that was approved by Capital One Auto Finance on the date of XX/XX/XXXX in the amount of {$28000.00}. I have made every payment on time. Due to the C.A.R.E. act I wanted to have some if not all of these late payments removed from my credit report due to the hardships felt by myself and my family during the pandemic. The women I spoke with over the phone on XX/XX/XXXX told me that there is nothing that she can do for me, because they are not a credit reporting agency. I simply want these off my credit report, because they do not represent my ability to pay my bills on time shown on the entirety of my credit report
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 to be removed/updated.

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.

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

On XX/XX/XXXX I made an online purchase from " XXXX XXXX XXXX '' The next day I called to cancel the order, I was told it was too late to cancel that I could refuse delivery or return the item. The tree was never delivered to my home. I never received it. It could have been delivered to the wrong house or could have been stolen. The co. refused at first to provide credit. They filed a claim with XXXX, it was resolved in my favor and the co. provided me with a refund on XX/XX/2021 in the full amount of {$200.00}. Receipt attached. 
Discover still refuses to credit my account.
Product: Credit reporting or other personal consumer reports

After already being caught failing to run disputes to FCRA reports Transunion has now shown they are partially submitting information so that it can not be verified correctly. 
My full address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In the attached photo can see Transunion has intentionally reported a partial address. This comes after they have allowed unauthorized inquiries and failed to resolve many credit issues that have been reported
Product: Credit reporting or other personal consumer reports

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Product: Credit reporting or other personal consumer reports

I received an alert regarding a hard credit pull from SYNCB ( Bank ) on XXXX I have not applied for anything and did not authorize this inquiry. It is showing on my XXXX credit report. 

The bank can not provide information because I need the account number, which I do have because I don't have an account there. I fear that someone is fraudulently opening a credit card or bank account in my name and there will be further negative ramifications on my credit.
Product: Credit reporting or other personal consumer reports

The company continues to deny my request for specific methods used to verify correct information for each point requested. 
1. Verification Method : Please outline the specific methods or procedures used by TransUnion to verify the accuracy of information reported on a credit file. For instance, do you contact the creditor directly, use automated systems, or rely on third-party verification services? 
2. Details of Contact : For any recent verification related to my credit file, please provide the following details : o Whom did TransUnion speak with? Please provide the name and title of the individual or department contacted at the creditor 's office. 
o Phone Number Dialed : Please specify the phone number used by TransUnion to contact the creditor. 
o Nature of Conversation : Outline the content and specifics of the conversation, including any information exchanged or verified. 
o Date and Time of Call : Provide the exact date and time when the verification call was made. 
I am making this request under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), which ensures that reported information is accurate and verifiable. Understanding the verification process is crucial to ensuring the integrity of my credit file and the information reported therein. The company is reporting payment activity on accounts creditor has closed and deemed a loss. Charged off accounts should NOT include an active payment history. This incorrect reporting not only provides misleading information to creditors and lenders but also falsely manipulates the statute of limitations. This situation has not only impacted my credit score but also violates my rights under fair credit reporting laws. This is a violation of the FCRA fair and accurate credit reporting.
Product: Money transfer, virtual currency, or money service

I created a cashapp account in XX/XX/2022 and forgot the email. I have attempted to login using the need help option, and am told they don't have enough information to prove its my account. I have also attempted creating a new account and contacting customer support as the app suggests, but get no response. I feel like this is fraud because I have money on my account and they will not assist me with gaining access to my account.
Product: Vehicle loan or lease

Us auto sales closed on XXXX of XXXX. A lot of us consumers didn't know who to pay how to pay etc because sometime in XXXX they shut down the payment portal. My last payment was on XX/XX/XXXX through the portal. I reached out to the girl who sold me the car and she said she couldn't help me and didn't know who to call or what to do either. Around XXXX I found out westlake supposedly had my contract. I called on XX/XX/XXXX, told them I will make payment but I want the original contract and the new contract that states I have to pay them. I have been disputing this personally with westlake since XX/XX/XXXX. I belive they are charging me a higher interst rate than on the original contract. I still do not have proof of verification that I owe this debt to them. I am paying on a debt that I don't even know legally if I am supposed to. They don't have my name on some documents, when they email some of them don't use my correct name. How can I be sure? I am being charged a late fee on the XXXX of XXXX and payment was not do until XX/XX/XXXX. I was charged interest on the XXXX of XXXX but westlake didn't take over until the XXXX of XXXX. How can I be charged late fees to a company that didn't have power of attorney or anything yet? I have a future late fee on pay off for whatever reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Capital One Account number : XXXX As I am looking at my credit report, to my surprise XXXX and XXXX are reporting the above account incorrectly. XXXX is reporting date open XX/XX/XXXX and XXXX is reporting XX/XX/XXXX as a date open. XXXX is reporting a close date XX/XX/XXXX and XXXX is not reporting a close date. XXXX is also reporting my payment as charged off from XX/XX/XXXX to XX/XX/XXXX, while XXXX is not showing a payment history. According to the FCRA, I have the right to an accurate credit report.
Product: Credit reporting or other personal consumer reports

They said i missed payments on XXXX and XXXX of 2024 XXXX  show you proof that I paid They also have other payments when I had a XXXX balance and still reported late payments when I had no balance that they said they were going to delete. Its currently XXXX late payments on my credit thats reporting that I did not miss and its affecting my credit score. I am currently current on this card and have been but I keep having this issue. If they do no remove late payments I will pay the card off and close
Product: Credit card

I usually pay off my entire account balance with American Express monthly before the closing date. Last month in XXXX, at the closing date, I was charged my yearly fee along with my spouse 's account, totaling {$870.00}, and the statement closed. Then, for this current month of XXXX, I proceeded to pay off the balance again for the month, bringing the account to {$0.00} like I usually do. On my current statement, I now have a finance charge of {$290.00} and called because I thought the charge was excessive. My annual APR interest rate is XXXX XXXX. I thought since the statement closed with a balance of {$870.00}, at most, I would pay the monthly interest charge of about {$20.00}. I called American Express, and I was told that if I failed to pay off the prior month 's statement balance due by the due date, I would be charged interest, not the statement balance of the prior month ( {$870.00} ) ; rather, I would pay interest on the balance on the day the payment due, not the closing date. I have never had this happen. I am accustomed to paying interest on the balance the statement closes on. In other words, I was charged interest on the balance of {$12000.00}, the balance I had on the day payment was due, again, not the closing date. Is this customary? None of my other credit cards do this.
Product: Checking or savings account

In XX/XX/2019, I went into the local Wells Fargo to close my deceased father 's overdrawn account with a cash payment as they would not accept a check from me ( his executor ). I paid the {$69.00} balance and was informed that I could not close the account even though I presented paperwork and death certificate. I was informed that I was not " on this account '' and " did not have an account with Wells Fargo ''. I was told the account would show a XXXX balance upon my cash payment, and to Return to Sender the next bank statement with DECEASED written on it. I have done this repeatedly. Subsequent bank statements continue to arrive and. I finally opened a statement to find that his account not only was not closed, but has been assessed fees on a 3 Cent balance which should not exist. Wells Fargo has not been of any assistance with this issue, other than wanting more money.
Product: Checking or savings account

I deposited my XXXXXXXX XXXX from the US Treasury in XXXX and there was nothing hold placed on the check. I deposited my check for the same amount on XX/XX/XXXX and was told there would be a 24 hour hold. Now my account shows they are extending the hold until XX/XX/XXXX. I see in most cases a hold on this type of payment is released within 24 hours. I checked their parent company which shows they like to Float checks/payments. I guess BOA is into Floating on government checks due to people who really need the money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is accurate and has never been late i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed this a number of times, directly with the debt collector and Transunion. I can not get even a basic statement of my account prior to the sale to   XXXX   XXXX   XXXX   from the original lender, nevermind any of the other things requested.
The dispute is with   XXXX   XXXX   XXXX   XXXX   (   XXXX   ), via   XXXX   XXXX  , and Transunion. The latest dispute with Transunion was dispute   XXXX    opened via   XXXX   XXXX   on  XX/XX/XXXX and disputed again on the XX/XX/XXXX . The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that   XXXX   is attempting to recover is not correct. I specifically requested proof of the transactions from   XXXX    including the amounts that constitute this debt and the interest that was charged. No proof was provided by  XXXX  ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that   XXXX   asserts these transactions occurred, and when any payments were made. No proof was provided by  XXXX .
c ) I specifically requested proof of ownership of the debt from   XXXX   and that they were the final holder of this debt. No proof was provided by  XXXX .
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by  XXXX .
e )   XXXX   themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : I wrote a letter to all 3 Bureaus on ( XX/XX/2021 ) asking them to investigate some accounts. They have failed to respond that the account was verified. I asked for a description of their procedures on ( XX/XX/2021 ) and they have either failed to respond at all, on time or with the information requested.
Product: Payday loan, title loan, personal loan, or advance loan

I was called this morning and threatened with legal action with Cashstore for a payday loan I had taken two years ago. I was working at the time and not anymore due to being XXXX vet. When she called I said what is this regarding she couldnt say but had the first few digits of ssn. She said one charge was check fraud the other for whatever. XXXX XXXX XXXX XXXX Ive never been threatened by any company. This will be the first and last. The lady then in turn lied and said I closed my acct and I said your a lie. Im unemployed so if you keep trying to debit an acct theres nothing there. Acct is not closed. She lied to get my attention. Then said I had to call another number to get details. Then I did and told them the same thing. Then they they transferred me to in house for cashstore who tried to set me up with arrangements. The tactics they used were unjust and unfair. The Fair Debt Collection Practices Act prohibits harassment or deception in debt collection, but these types of collectors are frequently operating under the radar- you'll never find out just who they are. She also said they were trying to serve me and the in house supervisor said they need a traceable bond to keep them from filing charges. I gave them nothing as they have violate the fcra as well as my rights. The number they call from is attached. They better not ruin my credit or try as they have pieces of my social. THIS BETTER NOT HIT MY CREDIT ON NOT ANY ONE OF THE THREE BUREAUS. AS YIU ALL HAVE THRETNED ME WITH KEGAL ACTION IN ORDER TO GET MONEY OUT OF ME. LET ALONE HAD ME CALL ANOTHER NUMBER FOR DETAILS. WHEN THE FIRST CALL SHOILD HAVE BEEN SUFFICIENT ENOUGH. XXXX XXXX. CEASE AND DESIST ALL COMMUNICATION AND ACTION ON MY CREDIT AND ALL WHAT YOU ARE DOING AS ITS A VIOLATION OF THE FCRA AND TO ONES RIGHTS. THE SCREENSHOTS ATTACHED IS THE XXXX is THE FIRST NUMBER THEY CALLED FROM AND THE 800 is the one they told me to call for detail regarding this XXXX. Im a vet not working and have XXXX children. I dont need to be threatened like that. Ill be watching my credit and disputing all that comes my way but you all or your third party collectors are wrong together. So that makes you all wrong and not in compliance with fcra
Product: Debt collection

I am a consumer of the United States and Transworld System INC who is a third party debt collector is attempting to collect on a Alleged debt they purchased. Pursuant to the federal fair debt collection practices act they have no right to collect or report on Alleged debt without my written consent nor consent to any other company as well. This is identity theft my information was accessed and sold without my prior knowledge. I am constantly being called numerous times everyday from different phone numbers harassed by mail and threatened. All of this is a direct violation of the Federal debt collection practices act 15 USC chapter 41. Attached is a cease and desist that was sent certified on XX/XX/XXXX they received XX/XX/XXXX certified mail with green return receipt and did not respond to but continues to try to collect on. All of the violations are submitted and remedy that I demanded.
Product: Mortgage

Had a home loan with Wells Fargo Bank my House payments went way up. They said I did have enough in my escrow to pay which wasnt true. House payment was XXXX a month. Then Wells Fargo messed with my home loan and it shot my payment to XXXX a month. Had to foreclose on my home payment was out of my reach at that time. This was the year of XXXX
Product: Credit card

I arpled for an count with XXXX and was approved but they pull my cridit XXXXtimes when it just be XXXX time so now it 's on my cridit report XXXXtimes.
Product: Checking or savings account

I opened my personnel checking account with chase on XX/XX/year>. I made 5 transactions. The first transaction of {$7500.00} was from XXXX on XXXX. The second transaction of {$740.00} was from XXXX, the third transaction of {$310.00} was from cash apps and the fourth transaction was from XXXX XXXX. The fifth transaction was from my XXXX XXXX account. Chase rejected the 2 transactions from my XXXX XXXX and XXXX XXXX and kept the rest of transactions with the reason that those money were transferred not under my name. I explained to them that those were my money. Since XXXX XXXX, XXXX, XXXX let customers to put a different title at the business page but at customer profile my legal name, phone number, email, address are linked to me. I showed all the information to the local chase brand at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The manager names XXXX said that she could not help me to take my money back since their back-end office in XXXX who controls and makes decision. I told them that I have proof to show that those are my money and this is the local chase that I open my account with, so they need to help me. Chase restricts my account and does not let me access it. Chase also does not want to close my account since if they close my account, they need to return the money to the sender. What is the reason for chase to keep the fund? Can they provide any evidence of fraud?? chase is stealing customers money. Chase actually is a Professional FRAUD On XXXX of XXXX, XXXX, I went to Chase local at XXXX  again after I do not see any money in my account. Chase promised to return the money to the senders in 2 business days but they move {$8500.00} back to my account and restricts my access to it and refuses to return money to the senders
Product: Credit reporting

On XXXX XXXX, 2016, l checked my checked my credit report. All of my inquires were deleted. I logged in today and now there back on there and my score went down.