23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 XXXXXXXX # XXXX has violated my rights.


15 U.S.C. 1681Section 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. 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 card or prepaid card

I am receiving emails from Synchrony for a Lowe 's Advantage Card that I never signed up for. The only details I have is that the account ends in XXXX. The Synchrony website does not allow me to contact them via email without signing into an account that I did not create. Please note that I do not live in the XXXX so I am not prepared to contact them by telephone. 

My issue then relates to ( a ) is this fraud? I can't know, but at the very least ( b ) they have clearly failed their KYC obligations under AML / CTF laws that I know exist in the XXXX ( I do not live in the XXXX ), since they have not even done the most basic checks, including validating an email account - which I note that this was required to sign up here under the CFBP.
Product: Debt collection

Phoenix financial, XXXX keeps contacting me repeatedly about a medical bill I owe from XXXX XXXX in XXXX. The date of service was in 2028. The first time they called they said I owed {$110.00}, after that they claimed it was XXXX, and now they say it is XXXX. I have explained to them that I have medical insurance and I should never owe a bill for that amount. And I have also explained that the date of statute of limitations is up and asked them to quit calling. They call repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with XXXX XXXX XXXXt and, three ( 3 ) listed with XXXX XXXX XXXX XXXX. The two different named sets of companys are both reporting the same three ( 3 ) accounts.
Product: Credit reporting or other personal consumer reports

I send a written letter we the laws that protect my consumer right to the 3 credits bureau on XX/XX/year> of XXXX hard inquiries that was done to my credit report fraudulent it without my permission I want this inquiry to been removed from my credit as soon as possible
Product: Credit card

I recently made a payment for a fundraiser for my son 's school via XXXX. Close family requested I make additional payments for them via XXXX since they didn't have the app needed to support my son 's school fundraiser. 
Unbeknownst to me, making a payment via XXXX with my card is considered a " cash advance ''. Going forward, I will not be using this card for that ; however, based on my track record with Capital One I called and requested a one-time courtesy fee waiver on the 4 cash advance fees I received. They said they could only waive 2 but not 4 as it was an exception to policy. I appreciated that but if it's an exception for 2, then 4 for an additional {$20.00} isn't too much to ask considering my track record with Capital One. I explained the situation and asked them to look at my history. I have never requested a fee waiver, I typically pay off my balance every month and I don't think it's too much to ask for a one-time courtesy waiver of {$40.00}. 
After being loyal to capital one for so long, I don't think {$40.00} was too much to ask considering I've never done it before, it was a one-time request and it was for a fundraiser for my son 's school. I will be looking into other credit card options since this is how Capital One chooses to treat their loyal customers.
Product: Credit card

XXXX, Capital One ( XXXX accounts ), XXXX XXXX are not reporting my payments. I have attached statements
Product: Checking or savings account

I opened a Business Savings Account with AXOS Bank on XX/XX/year>. 
I have deposited $ XXXX into my account via ACH transfer over the past XXXX months, and have not made any withdrawal attempts until today ( XX/XX/year> ). 

When I attempted to make an ACH transfer withdraw, I was told by a phone agent ( reached at XXXX ) that external transfers were only available via wire transfer for a {$15.00}. 

I explained that I had made all the deposits ( without fee ) via ACH, but when I wanted to take my money out I had to pay a fee. The phone agent eventually escalated my issue to a supervisor who offered to wave the fee this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Debt collection

I contacted XXXX  XXXX XXXX  In XXXX, WI to figure out why they are populating on my XXXX  XXXX all but, no other credit reporting agency with no response. Email was sent out and a Voicemail was left. I contacted the XXXX  that reported it and they confirmed they do NOT have any out standing debt or collections out for me. I attempted to reach numerous parties with no response. I am not seeking the next level of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX XXXX XXXX XXXX XXXX  Experian have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.
Product: Mortgage

XX/XX/XXXX My Husband XXXX XXXX XXXX, the primary mortgagor for Chase account # XXXX, passed away. Immediately we took action to ensure that XXXX servicers for the 1st mortgage XXXX XXXX XXXX, and the 2nd Mortgage ( referenced account ) were properly notified. Unfortunately my husband passed away without a living will or a designated executor of his estate, and as a result, Chase refuses to authorize me ( the spouse ) as the successor in interest. 

Since XXXX, Me, my son XXXX XXXX XXXX, and our advisor XXXX XXXX have made numerous phone calls and sent numerous faxes to Chase in an attempt to get authorization for me to discuss the account. Obviously with the loss of my husband, the primary income has been lost, and we 're now experiencing a financial hardship. We were both on fixed Social Security income, and this has now been reduced drastically. 

In the numerous conversations with various Chase representatives, including escalation managers, we 've been given conflicting information for authorizing a successor in interest, much of which contradicts the regulation that CFPB has set forth for servicers. 
On multiple occasions we 've faxed the death certificate, a copy of the primary note showing both my husband and I as borrower and co-borrower, and after an " unusual '' request from XXXX their reps, a copy of our marriage certificate XX/XX/XXXX. 

To this day even after confirmation of receipt, they still refuse to authorize me to discuss this account, yet they continue to send correspondence that threatens to take my home. Our intent is to satisfy our mortgage obligation with Chase, as it has always been, however this will require assistance from Chase. I 'm an elderly woman who has suffered enough tragedy, the last thing I need is for Chase to make matters worse by refusing to discuss this account with me.
Product: Mortgage

Back in XXXX 2012, my home with Greentree Loan Servicing was burned to the ground and a police report was filed. Greentree was supposed to come repossess the mobile home and took forever to do so. My mortgage was behind a few months and there was forced place insurance on the home for quite sometime. The insurance was not expired at the time of the fire, but Greentree would not acknowledge that the home had insurance. So instead of the company paying off the home with the insurance that had already been paid by them, they in return continued to lie that the home was not insured and has since kept this property on my credit report as a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my divorce in XX/XX/XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XX/XX/XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX, XXXX, XXXXXXXX  ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the Identity Guard credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX which is not my address and never was a family was occupying that address and stole my identity. I reported it to XXXX credit bureau with no resolve. Equifax information services, LLC is reporting XXXX XXXX XXXX XXXX, LA XXXX and XXXX is reporting XXXX XXXX XXXX XXXX, la XXXX, XXXX XXXX XXXX XXXX, la XXXX and I never lived there it was also apart of my identity theft case. 


XXXX has my name known as XXXX XXXX which is incorrect.
Product: Credit reporting or other personal consumer reports

Despite our previous discussions and assurances, it appears that the fraudulent items have not yet been removed. This continued presence of unauthorized charges is not only concerning but also poses a significant inconvenience and financial burden to me. 

I want to reiterate the urgency of this matter and the importance of promptly resolving it. These fraudulent charges not only impact my financial stability but also erode the trust I have in our business relationship. 

Therefore, I kindly request that you take immediate action to remove the fraudulent items from my account and provide me with confirmation once this has been completed. Additionally, I would appreciate any insights you can offer regarding the investigation into these unauthorized charges and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : $ XXXX Repossession : XXXX XXXX Balance : {$210.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : $ XXXX Repossession : XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3900.00} XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$3900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file Credence is appearing on my credit file. A company that I have never heard of or dealt with. This company has never reached out ton me regarding any alleged debt that they have under my name. They have not given me the chance to dispute the validity of this alleged account. Not only that I am a victim of identity theft and I believe this account is a result of identity theft. I request that this account be block immediately. I have never signed a contract with this company nor any company that Credence represent.
Product: Mortgage

I got a notice of default letter a week before the sale of my home due to foreclosure and they sold my home without giving me any kind of time to bring it current. They also sent me an email on payment I would need to send to them to become current and I sent wired transfer of the funds for XXXX and they rejected the funds saying I had to pay XXXX in order to bring current. I had applied for HAF program and was accepted and advised I would be expedited. They did not listen to me or allow this to happen before the sale of my home as well as they sent me the notice not even 24 hours from the sale and told me it sold on the court house steps without any certified mail or letter. They also inflated the amount I owe to XXXX when I only owed XXXX. Primary residential mortgage INC commited fraud on multiple levels and intimidation to scare me into paying and then told me they sold it anyway. Please help what do I do.
Product: Credit card or prepaid card

I called to make a payment on XX/XX/XXXX and advised the rep that I am still unemployed due to the pandemic.I was charged a late fee for the missed payment on XX/XX/XXXX and I submitted a request to have the late fee waived as a courtesy. The rep that I spoke with advised that I had not had a late fee waiver recently and after reviewing my account she has not seen a late fee waiver EVER. I received an email 24 hours later stating that the fee waiver was rejected and there were no logical reasons indicated. I immediately contacted Avant customer service and spoke with a supervisor who stated that he also sees no valid reason on file as to why the late fee removal was declined but he escalated my concern. I am totally appalled by this lack of compassion and leniency especially during these tumultuous times. I enrolled in a hardship program with Avant back in XX/XX/XXXX when I became unemployed and I managed to still make consistent payments. Many lenders and creditors have announced proactive measures to help borrowers impacted by COVID-19. The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation and verification of a bankruptcy with XXXX, that has been reporting to the Experian and XXXX credit bureaus. After 30 days I received a response from XXXX XXXX stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. XXXX XXXX violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse via mail to verify if XXXX XXXX verified with them. I received a letter from the court clerk stating THEY DO NOT give any information to any of the credit reporting agencies including XXXX XXXX. I do not know how XXXX XXXX received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting false information related my closed account # XXXX. At no point, my account had insufficient funds. 


Return Transactions Tran Type Date XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Check Number Amount {$150.00} {$100.00} Return Reason Insufficient Funds Insufficient Funds
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts paid but never left my credit report as well as outdated
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 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. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST. 

Accts In Litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX said I had outstanding odds on getting a auto refinance, at a rate of 3.51 % with XXXX. On XX/XX/2023, I applied. Application number : XXXX. They immediately want me to start uploading documents such as my drivers license, vehicle registration, etc. 

It took XXXX days of talking to XXXX from XXXX. I was then told they couldn't get me a lower rate. On XX/XX/2023 I get this response to my complaint about poor business practices. 

" We have been trying to understand why XXXX XXXX keeps offering numbers to everyone that are below the federal reserve rate and not realistic numbers that banks are currently financing at. For that I am sorry for the confusion. '' Looking on autopay.com they advertise rates as low as 2.99 %. 

Multiple hits on my credit report. Time consuming process to apply and answer all the follow-ups. All for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original debit was with XXXX XXXX then sold the debit to XXXX XXXX XXXX. On XX/XX/21 XXXX XXXX XXXX agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. Experian and XXXX arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies. XXXX XXXX XXXX XXXX  Charge Off of {$4400.00}. This should never have been on my reports. Id like this removed. When I purchased XXXX XXXXXXXX from XXXX XXXX XXXX I had issues. Within 7 days I took the car back to the dealership and was told I couldnt return the car. The manager actually argued with me, and was very rude. I took it back four times for an oil leak, and was told each time they fixed it. Finally, I contacted XXXX XXXX XXXX XXXX to complain and they did nothing. I contacted the XXXX XXXX XXXX put in a complaint and also the lemon Law. In the end I turned the car over to the bank. Because Im a woman, I felt I was taken advantage of.
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.