23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have learned about these accounts one by one in XXXX of 2022. I have taken steps in removing these fraudulent accounts from my credit profile through the furnisher 's as well as the credit agencies repeatedly from then until date. Although these information has been removed from XXXX and XXXX they still are being verified and and updated with TransUnion. I am declaring once more that these accounts were unauthorized and I am a victim of identity theft by someone privy to my information both private, sensitive and personal. I am a fraud victim and should not be held liable by verifiable information that no doubt belongs to me. Including a phone number that I adopted as mine due to the length of me using, which should be able to be verified as fact of the matter through investigation. These reality does not make me responsible, or guilty for not knowing, nor did I benefit from these accounts.
Product: Mortgage

Back in 2011 I was only behind XXXX XXXX dollars and I asked if they could allow me to make up the money in future payments. They said no so they foreclosed on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I received an Amex e-gift Card through email from an employer. I used a link to to validate and print the card, which loads on https : //amexrewardcard.com/account and shows a balance. I attempted to use this on XXXX ( using less than the amount on the card ). And the transaction is declined. I then tried various other amounts less than the full face value and was declined again. I attempted to purchase {$100.00} at XXXX XXXX and was also declined. Many people have reported having a problem this past year.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX -- -INQUIRIES -- - XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am personally filing this complaint to address an issue of late payment entries on my credit report. Upon reviewing my records, I discovered the existence of these late payment listings. However, despite sending correspondence more than 30 days ago regarding this matter, I have not received a response, and they have failed to provide satisfactory validation for these supposed late payments. I kindly request your assistance in resolving this issue promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted XXXX, Transunion & XXXX. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach So I would like this to be off my credit Because I didnt consent with my personal information getting exposed
Product: Credit reporting

I would like an address removed from my credit report. I have never lived at : XXXX, IL XXXX I have lived at XXXX since 1978
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXXXXXX XXXX due to inaccurate information being reported and not reporting the same information as transunion and XXXX. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house and car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX does not follow The Truth In Lending Laws 15 usc 1601. I feel like my privacy as a consumer has been breached. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX XXXX XXXX XXXX . They are wrongfully trying to benefit from my credit card that I used to initiate a consumer credit transaction with a finance charge involved. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved 15 usc 1605. When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I dispusted the debt and aske how was it valid and verified, they never told me who the name an address of the original creditor is pursuant 15 usc 1692g ( 5 ) ( b ). This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I want them to do right by me as a consumer by federal law, as well as the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing errors on my credit report on accounts thats reporting inaccurate information on TransUnion, XXXX and XXXX  for last 6-8 months all three reporting bureau are all different with different information. I feel violated and discriminatory by what is being reporting unable to buy home or access credit. I feel its reporting incorrectly because they make money to report inaccurate information and I suffer the consequences. I have disputed information such as 2 XXXX XXXXXXXX, XXXX collection account I gave written consent for those companys nor did I ever had dealings with. All inaccuracies thats reporting from three credit bureaus are in violation of my consumer rights. Each time I dispute it comes back as meets guidelines or accurate with no proof. XXXX and XXXX XXXX  listed as charge off with past due balances which inaccurate on all three reporting agency i really feel they are discriminating because I of my demographic I feel like this is being done intentionally. I work hard to keep my credit in order but just want move because of the inaccuracies thats being reported. What is the point to have consumer laws if the reporting agency not abide by them and can do whatever they like to people.
Product: Bank account or service

My complaint is how BB & T chose to pend and post items in my account. I had {$86.00} left of my Social Security check on XXXX XXXX, when my utility bill that I 'd paid by check was posted to my account. However, the check did not go through and the transaction was charged a {$36.00} overdraft fee. The check did n't go through because the bank was holding {$59.00} " pending '' in my account. It was not to be posted until an item shipped, like most online purchases. However, because BB & T " pended '' and virtually paid it by claiming that cash but not posting it, it would not pay the utility check, even though there was enough in the account to pay {$47.00} utility payment. Four days later, BB & T posted the {$59.00} and charged another overdraft fee. Then, because the account was in overdraft for 7 days ( days, not banking days ), starting XXXX XXXX with the utility bill posted ( when there was enough money to pay it ), I got another overdraft fee of {$36.00}. The bank wiggled around the money so that I paid XXXX {$36.00} overdraft fees, and then added on top a {$12.00} maintenance fee. That 's {$120.00} in fees when it should have been {$80.00} at the most. I 'm finding another bank. This same bank charged me an overdraft fee when I deposited a check to cover groceries only 8 minutes after they were purchased. I was stuck in traffic and it was easier to pull into the grocery store parking lot first. I spent something like {$100.00}. I drove across the street to the bank and deposited one of my XXXX checks that more than covered it. However, when I got the statement, the overdraft was there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovercard continues to report the initial delinquent date incorrectly with the credit bureaus With regards to the Discovercard account on my credit file. 

This is their data here attached that clearly shows the initial delinquency is XX/XX/2017 per their own records. 

If not fixed immediately I am hiring attorneys to Sue all involved.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My first issue was the fact that my HELOC closed on X/XX/2017. The funds of {$59000.00} began to accrue interest daily as of that date. Those funds were used to pay off my car at another bank. The funds were n't received by the other bank until about XX/XX/XXXX. I feel cheated that Chase collected daily interest on my LOC for over a week, while I was also accruing interest on my other auto loan that was supposed to be paid off. It would have been faster if they gave me access to the LOC for me to pay down the old auto loan myself, but the loan rep at Chase told me it was required for them to pay the old loan off directly. This was not made clear to me and I feel like it is a way to cheat consumers on that additional interest accrual. My second issue is the bigger issue that made me file this complaint. After the first issue even happen, I decided to pay off my Chase HELOC in full. I did in fact do so according to the " current balance '' and " principal balance '' as posted on my online account. I was limited to $ XXXX per day until the balance was paid in full. After I paid the account in full, I saw that the HELOC was still accruing daily interest. This prompted me to call Chase to see what was going on with my account. A representative told me that my principal payments were not posted to my account and were sitting in limbo, which is why interest was still accruing on the original principal balance. Well, if my principal payments were never posted to my account, then the interest was calculated incorrectly and my payoff balance was also incorrect. When I checked my HELOC online the following day, I see that my principal balance is now magically {$0.00}. I do n't see how/why everything netted to {$0.00} if interest was not calculated properly to begin with. A representative assured me that my account would be corrected and she would follow up with me directly within the next few days. My concern is n't only for myself ( which my issue looks like it will get fixed, plus I will follow up ) but what about the others with a Chase HELOC? ... or any type of Chase loan? I 'm an XXXX so I made my own amortization schedule to follow. Not a lot of people do that on their own. Chase consumers are likely paying whatever balance they show as due on their account. My trust in Chase is damaged to see that my issue was only corrected because I called about it. What about the other consumers?? Is Chase making money off of incorrect amortization schedules???
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) allegedly representing CITI BANK has continuously been harassing and oppressing me by bringing me back and forth to court trying to sue me on an alleged debt. The first time I was brought to court was XX/XX/XXXX XXXXThe Judge ended up dismissing it without prejudice because during the hearing I told the Judge that I sent a debt validation letter and no one ever responded. I also sent a cease and desist. so the Judge dismissed it but he also warned me they can bring me back within a year. Fast forward XX/XX/2022 I was served with a subpoena to appear at court on XX/XX/2022 I went to court and no one was there. I went to the clerk and she stated that the Judge do not have court on that particular day, so she gave me another court date and suggested I mention the incident to the Judge when I come back. I went back to court in XX/XX/2022 I was taken into a conference room to negotiate payment with Im assuming an attorney, I told him that I sent a debt validation letter and never got a response. we then went in front of the Judge. I explain to him what happened and that I had been here before and it was dismissed because of the exact same thing, not responding. The lawyer asked the Judge for more time the Judge granted him more time to send me the debt validation request. a couple of weeks later I was sent false and misleading statements. I sent another certified letter to the law firm and told them the statements were false and misleading along with a cease and desist. fast forward to XX/XX/2022 went back to court, went into a conference room with some one allegedly representing the law firm, she claimed that we could not see the Judge because her witness could not come due to XXXX and she wanted to reset it.. I told her that I can not keep missing work and that this is affecting my job and my mental health. she insisted that I could not speak to the Judge and she perceded to give me another court date. she told me two different dates and I ended up recording the wrong date. I showed up XX/XX/2022 just to find out it was actually XX/XX/2022 and I had a default judgement against me because I didnt show up. I had to file a motion and pay a fee to get another court date. My court date was set to XX/XX/2022. I showed up and the attorney said that he is not ready for a hearing because his witness could not come. He asked the Judge to reset it to XX/XX/2022XXXX XXXX XXXX XXXX has oppressed me trying to collect an alleged debt by dragging me in and out of court, XXXX XXXX XXXX  is in violation of the The Fair Debt Collection Practice Act
Product: Debt collection

Hi, I have not knowledge at all of coming into any agreement signed or otherwise with MIDLAND CREDIT MANAGEMENT. I'm absolutely sure that this is an attempt to promote an illegal scam, financial or identity theft by MIDLAND CREDIT MANAGEMENT that is not licensed to collect payments in the state of New York. Based of the inaccurate data you furnished to my XXXX credit report I would like to know who or which company did illegally shared, stole or sold you my personal private information without my written consent.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXXXXXX XXXX Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX OF ) Balance : {$40000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on XXXX XXXX and transunion.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Midland credit management {$740.00} and {$630.00} XXXX bank {$830.00} XXXX XXXX {$0.00} balance charged off as bad debt
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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

Capital One has not issued out my direct deposit from my employer. They have not provided any updates on when this be resolved. This is a major inconvenience especially with the bank being closed on Monday for a holiday. Date of deposit should have been XX/XX/scrub>/2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I XXXX : XXXX sent Wells Fargo via Certified Mail # XXXX the following attached documents which include a Affidavit of Truth, a Cease and Desist Letter, and a Bill of Particulars. Specifically the documents were address to the CEO of the company. Wells Fargo is still currently reporting to all three bureaus, even though the cease and desist notice clearly states that I require them to remove all information from XXXX, XXXX, and XXXX. This is a clear violation to my Consumer Rights and I also notified them of my rescission of signature. This is causing me a lot of mental anguish and is causing XXXX  to my reputation due it lowering my credit score. This has me frustrated to no end and would like a resolution to this as soon as possible. Please see attached documents, this is harming me to a unbearable extent.