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 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 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: Checking or savings account

XX/XX/2023 nowhere between XXXX and XXXX eastern standard time. I attempted to deposit {$5000.00} into my account? The ATM would only except a certain amount of currency at a time. I had to make three transactions. The first transaction was for the amount ofXXXX. The second transaction was for XXXX. The last transaction was for XXXX and this is when I got the error. I entered my pin for the 3RD time, selected deposit. The deposit window opened and I put the {$1500.00} in the machine. And the ATM took the {$1500.00}. Then I received error that said Unable to deposit funds, remove ATM card. I remove the ATM card and expected a return of my XXXX. The machine did not give me my funds back and did not deposited into my account. I immediately went into the bank. I was told by the teller that they could not access the ATM machine that they would have to do it investigation. I opted to wait on the manager to come back in which was on a break. The manager told me that shell have them to immediately count the ATM machine and it would take about two days. We are on the fourth day now the manager keeps advising me shell give me a call. But that never happens. I feel like Im getting the runaround and I just want my money back because I have transactions going into that account and bills that need to be paid. Please help me. PNC Bank. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I was at the ATM machine in the inside of the building walk up.
Product: Payday loan, title loan, or personal loan

I have switched banks and have been trying to pay my personal line of credit through bill pay. Truist is claiming that the originating bank reversed the payment. I've never received any money back to my originating account. The money is now missing. Truist is blaming the bill pay bank. Meanwhile, my money is gone.
Product: Credit card

I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays has charged me a fee of {$500.00} as interest, running my account over the limit. This action represents the greatest threat of default on the card. It is bait and switch predatory lending in its worst form.
Product: Mortgage

In our complaint submitted on XX/XX/XXXX ( Complaint ID : XXXX ) to the CFPB in regards to our mortgage servicer NewRez dba Shellpoint Mortgage-we requested all the loan and escrow accounting records from the origination of this loan in XXXX to present day. In this response to our complaint, the failed to provide the requested loan accounting records from XXXX to present day-which needed to include how every XXXX of every payment as been applied to our principal, interest, taxes and insurance from every servicer that as ever survived the loan since its origination in XXXX to present day. 

We have asked multiple times for the entire loan accounting history from XXXX to present day, one of which was during a phone call that is recorded. Please see NewRez 's response to our complaint filed on XX/XX/XXXX, XXXX where they failed to provide all loan accounting records which show how every pennny from every panymen has been applied to the principal, interest, taxes and insurance from the origination or the loan in XXXX to present which needed to include all of the servicers that have ever serviced the loan from XXXX to present day. 


As NewrRez failed to provide these documents that we requested in our previous complaint are asking again for all loan accounting record documents that show how every XXXX from every payment has been applied to the principal, interest, taxes and insurance from origination of the loan in XXXX to present day, from every single servicer that has serviced the loan from it's origination in XXXX to present day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes 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 : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury.

in accordance with the written instructions of the consumer to whom it relates.

Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional XXXX is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report. 

I, XXXX XXXX XXXX Never gave TransUnion any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter. 

Concerning the inquiries accounts listed below as a consumer I'm demanding a deletion of these accounts. 

1. XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX. XXXX of 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX both accounts I certify under penalty of perjury under the laws of The United States of America in the natureof [ 28 U.S.C. 1746 ( 1 ) ], that I have read the foregoing request for information and know thecontents thereof, and that the information listed above is true, correct and complete.

REQUEST EXECUTED this XX/XX/2021 Respectfully submitted,. XXXX XXXX For/by : XXXX XXXX Authorized Representative All Rights Reserved, Without Prejudice U.C.C. , 1-308, Without Recourse
Product: Debt collection

After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under I C SYSTEM and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Credit reporting or other personal consumer reports

I make a payment to Nordstrom on the XXXX of every month for the last couple of months to pay off my balance and the company would hold my payment for 2+ weeks and report back to my credit as high utilization as well as dropped my credit score XXXX The money would be taken out of my bank account the same day the payment is made, so I wouldnt have access to my card during the 2 + weeks. I have tried to contact them and they are quick to say theres nothing they can do.
Product: Credit card or prepaid card

Made full payment of credit card, closed account and canceled card with Citi Diamond Preferred MasterCard by telephone on XX/XX/XXXX to customer service at XXXX and authorized my XXXX Bank to approve this final payment. After checking my credit reports at the end of the year, I discovered that Citi had charged me {$2.00} in interest plus {$120.00} in delinquent fees. After calling customer service, I felt intimidated to pay this amount and clear the records again on this closed account ; therefore, I again paid by telephone authorization this full amount of {$120.00} on XX/XX/XXXX. Now I have received an email informing me that I owe an additional {$1.00} due by XX/XX/XXXX. I have never been late on my payments until trying to close this account with Citi. I feel this is a fraudulent abuse of our terms of agreement to pay-off this account and unfair practice of applying delinquent fees. I request that Citi refund this payment of {$120.00}, rescind this latest charge of {$1.00} and remove all negative false statements to the three credit reporting agencies. Furthermore, Citi should provide a written statement to me confirming their actions in this matter. Thanks for your help.
Product: Credit reporting or other personal consumer reports

About 3 years ago I had a hard time getting car insurance due to things I never knew was on clue or on my credit report due to applying for different credit line, about 1 year ago I call Experian to dispute information that I had no idea about or received any mail from collection company XXXX XXXX, after send information through mail and identity verification I have not received anything back, I dispute action that on my report about 45 day and still failed to remove it information and also amica report when I pay off product due to COVID financial hard ship, I have written and made numerous attempts to dispute and request my information to not be share due to they use my data for violating My consumer protection and other privacy laws I have suffered 3 years behind things credit company fail to notify me about and using information that doesnt support The fcc XXXX XXXX XXXX and the XXXX in my state in of Connecticut XXXX XXXX was pass four years ago the company has gone against everything within in what constitute consumer privacy and fair credit laws and regulations for myself its been over 3 years and again 45 days that this information should be removed by law
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling XXXX specialized department for several years now about issues with these fraud inquiries and accounts that were fraudulent used showing missing payments and derogatory information and I called the companies as well. Its cleared up and next thing I know Im getting alert my score dropped 60 points. Because now the account is back reported delinquent when it was cleared up weeks ago which had me to believe XXXX XXXX is not doing there job of maintain my file as they should by law. I have 82 inquiries on my credit report when it should be only 3 on there. They know my situation with fraud issues and still fail to act appropriately.
Product: Credit reporting or other personal consumer reports

I looked at my report back in XXXX of XXXX then again in XXXX of XXXX and noticed somethings are incomplete and not accurate and are from a result of identity theft. I have reached out to the creditors and bureaus to advise that they remove and block this information. They have failed to send any original contracts or documents linking the accounts to me and have now failed to remove from and block this information from my reports. This is multiple violation of my rights under the FCRA and I am demanding this information be removed and blocked from reporting. 

Account : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, {$15000.00} open date is not reporting correctly, date last active and the high balance is reported differently across all 3 reports XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX Bank Here are my tracking numbers : XXXX, XXXX, XXXX PLEASE LOOK INTO THIS MATTER
Product: Credit reporting

My electricity bill with XXXX is set up for budget billing ( estimated yearly usage is averaged over 12 months ) this is being reported as a 'partial payment ' to Transunion . I opened an investigation with transunion whom reported the past 6 months as unpaid on my credit report. This is untrue as my bill is set up for automatic payments.
Product: Credit reporting

Hello, Simply I contacted XXXX to ask them to reinvestigate several hard inquiries on my credit reports. When they got back to me, they stated that I did authorize the hard inquiries, I asked them to provide proof of this and they will not. I ask that you guys aid me in having XXXX completely remove the hard inquiries for lack of proof.
Product: Credit card

On XXXX XXXX, 2015 I have made an online payment to my discover card which covered my full balance. Once the payment confirmation appeared, it stated that all my future direct payments will be cancelled. On XXXX XXXX, 2015 an additional payment, in the amount of my usual direct payment, was withdrawn from my bank account causing an overdraft charge. On XXXX XXXX, 2015 I have contacted the discover card in order to resolve the issue. The representative I spoke with told me that the amount of the direct payment will be transferred back to my bank account, however the amount of my overdraft charge will not be returned and that I have to ask my bank for the refund of that charge. I explained to the representative that the bank did n't make any mistakes and will not return the fee since the charge was made and was covered by the bank. To which the representative replied that unfortunately discover does n't refund bank fees. I once again explained that the overdraft was due to the mistake made by discover card and discover card should be the party responsible for the charge. Unfortunately I was once again told that the money I had to pay my bank will not be refunded.
Product: Debt collection

On XX/XX/2021 I received a notification on my bank account about a negative impacting debt of XXXX This was made by the XXXX XXXX XXXX XXXX XXXX ( Account reads that the Original creditor is XXXX XXXX XXXX ). 

I have sent three dated letters to the agency. The first letter dated around the month of XX/XX/2021, I received no response. I requested the validation of this debt under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. I asked for alleged services, what the money I owe is coming from, procedures performed and more. I will upload my letters below. I sent it twice, the second time was dated XX/XX/2021. 

This time I received a letter from the collection agency on XX/XX/2021, they called my letter vague, although I couldn't be more specific as you well see. They also called it frivolous- not having any serious purpose or value. 

As an organization that dedicates their time to protecting consumers and investigating the topic of ethical businesses, I ask that you review this activity. 

I was way from home for college. I finally responded on XX/XX/2021, after I gave them 30 days to send validation. This third letter was certified and was intended to let them know about the failure to validate after multiple attempts. I requested a response be delivered before 16 days, but following their last letter, things do not seem to be moving. This case has made it extremely hard to recover, as a first generation college student with no real support, it has also caused me great discouragement to progress in my studies and caused much mental distress. Additionally, with this horrid pandemic we are all struggling with.I just ask for your help and updates. 

Thank you,
Product: Credit reporting or other personal consumer reports

Additionally, the FCRA mandates that credit reporting agencies maintain accurate information XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the repossession each month creates an inaccurate and misleading credit report, which negatively impacts my credit score.

Moreover, the statute of limitations for reporting a repossession is seven years from the date of the first delinquency leading to the repossession ( 15 U.S.C. 1681c ( aX4 ) ). Reporting this repossession multiple times does not extend this statute and is therefore improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the repossession from my payment history.

Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX regarding their reporting. They stated the account was charged off in XX/XX/XXXX. I surrendered the vehicle in XX/XX/XXXX. XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX contacted them via phone and certified mail on 3 occasions as well asking them to recover the vehicle. They refused and charged the account off in their system in XXXX of XXXX. They are reporting the account as open and active ( and also the wrong last payment date ) as of XX/XX/XXXX and have reported over 30 months of late payments on this charged off account. They sent me a letter requesting I settle the balance they recorded as XXXX for XXXX. I requested that they update the account to reflect the charge off and remove any in accurate reporting including the XXXX payments reported late during the charge off status. They refused. They said they would report the account as settled and that's it. They advised me to dispute the reporting with the credit agency. I have this correspondence recorded and can attach if needed. They are well aware that the reporting is incorrect along with the balance owed and refuse to assist or take responsibility. 
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

We purchased a rug at XXXX XXXX, XXXX XXXX, Florida on XX/XX/XXXX. We were encouraged to make a credit card application to receive an additional discount. After doing so, the rug was not further discounted and we requested that the credit card application be rescinded ( we paid with an existing credit card ). We were told they couldn't do that and we were given a phone number to call at Synchrony Bank, the credit card issuer, to discuss the matter. We called and explained why we did not want the credit card. The representative of the bank concurred and said that they would confirm in a correspondence. All of the above actions took place within a two hour period. We received the correspondence dated XX/XX/XXXX indicating that the credit request was denied. Our regular financial institution has indicated that we have an XXXX out of a potential 850 FICOS rating. We are proud of that and don't want the misrepresentation by XXXX XXXX and inaccurate rationale by Synchrony Bank to have a negative impact. It is our experience that having a credit report corrected is difficult and time consuming. XXXX XXXX says they can do anything and Synchrony Bank make it difficult to communicate with them. Please help..
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with BEST BUY/CBNA. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Product: Money transfers

Addendum to CFPB Case # XXXX : A Fraudster used an electronic fund transfer method to obtain {$3600.00} from our joint account based on FALSE representation and FALSE promise. The wire transfer fraud involved a mid-morning phone call on Wednesday XXXX/XXXX/15 by an Imposter Grandson pleading for our help since he rear ended a car, was arrested charged with a DUI and is detained at the XXXX County jail, a foreign business man whos car our Imposter Grandson hit, was a rental car and the Foreign business man paid for the damages before flying back to his country. The Imposter attorney called and stated that he was able to work it out with Judge XXXX with a Court order to release our Grandson if he repays the Foreign business man for the damages to the rental car since the business man had to pay it before he flew back to his country.. The Imposter attorney presented us with the promise that our Grandson would be released provided that a payment, which he negotiated down to {$3600.00} be paid according to a court order We can provide concise details of the communication..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX and on XX/XX/XXXX at XXXX I received 2 text messages on my phone about my credit report being unlocked for 49 minutes! When I call the representative from Equifax He stated to me that they have no record of my credit report ever being unlocked! If you view the screenshot below You will see the to text messages that I received from Equifax on my phone stating that my account was on unlocked for 49 min then locked back at XXXX XXXX! I will take Legal action unless Equifax Can reach a settlement agreement! I feel this will be fair! Because no one should be allowed to access your credit report when it's locked.