23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I receive three email from synchrony Bank those three email with very strange but very familiar to me I knew exactly what the email meant but two hours later synchrony Bank trying to fix the error, no unacceptable. 
synchrony Bank has send me a email telling me both in my account with XXXX and XXXX was A Trial deposit has successfully make to you ( me ) that was no mistake I know exactly what happened I know my legal right I'm a security party creditor was my trade name copyright ( helder-in-due-course ) I have file my ucc-1 adding ucc-3 I know it is actually my legal standard I know how Bank work but is trying to deny it is something called XXXX XXXX when you give them permission your social security number your name they all ought to go to the XXXX XXXX Bank back window and ask them for money I know that they don't want you to know that I know exactly how it works. I am a secured party creditor, helder-in-due-course. I know how the work they can not tell me that I don't know what what's that email and then later on this day that I apologize this send a email to the wrong person or I don't know. 
They need a good explanation for that they don't have one they can't give me one because finally they made it a mistake to send email to the account owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor XXXX XXXX XXXX is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, I do not owXXXX XXXX XXXX XXXX ANY Money and I demand that they provide actual validation with my WRITTEN CONSENT STATING I OWE THEM AND THST I GAVE THEM PERMISSION TO VIOLATE MY RIGHTS TO PRIVACY I also demand a copy of the contract binding both parties ( XXXX XXXX XXXX & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX XXXX XXXX within 5 days as listed in the terms of the the consumer book! kind regards!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX, XXXX still nothing from them. The negative items are still reported on my Credit Report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off XXXX  XXXX {$24000.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX {$0.00} Collection XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$490.00}
Product: Checking or savings account

Cash app is my issue..I went to pay for a product for XXXX/on XXXX XXXX ( like a money transfer person to person ) my funds were refunded acc locked for unusal activity? I had sent this person more money before..I can't get no customer support.All my money is on this locked account I just need it unlocked
Product: Debt collection

I was called several months ago regarding the same " Credit Card Debt ''. I told them to send me information via mail and he said 'He could not do that, they were passed that step ' and he told me " Good luck in court. '' I didn't hear anything for several months. Today, my husband was called by the same company about the same " Credit Card Debt '' and was harassed. I called the company back and left a voicemail. They spoke to me using a name I have not used in years. They had an address I haven't lived at in years as well. This credit card debt they said I had, I called that company and they have no record of my current name or previous name to attempt to resolve this matter with the original company I had " alleged '' debt with. It is also not on my credit report. I called them back today to ask about said debt and asked if they were going to send me any kind of paperwork and I was told they are 'passed sending anything else via mail or email. I refused to pay anything over the phone that this company can not prove. While filling out this report I received another call from this company ( I am currently on hold ). How do I get these people to stop harassing me and my family over something that is false? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company made duplicate accounts for me charging me for the same thing twice. I was unaware of this transaction on my account. 

XXXX XXXX Account was over 7 years old
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to our attention that XXXX XXXXXXXX XXXX has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act Dear CFPB and FTC, I am writing to formally address a critical matter concerning violations of the Fair Credit Reporting Act ( FCRA ) by Equifax XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that these issues be resolved urgently, especially regarding my Equifax credit report. 

Under 15 USC 1681, Section 602, my right to privacy has been severely compromised by the actions of these creditors. The severity of this situation is further underscored by 15 USC 1681, Section 604a, which emphasizes the necessity of safeguarding consumer privacy.

15 USC 1666b, a creditor may not classify a payment on an open-end consumer credit plan as late for any purpose. Equifax, XXXX XXXX Bank XXXX, have reported late payments without following my written instructions under the open-end consumer credit plan, constituting a direct violation of this regulation. 

I am deeply disappointed by the lack of timely attention to these issues, particularly regarding my Equifax report. I urgently request that Equifax prioritize this dispute, conduct a thorough investigation, and promptly rectify my credit report. 

Your immediate and decisive action in resolving these matters is both anticipated and appreciated. 

Thank you for your attention to this serious issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. In accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Debt collection

I contacted XXXX XXXX to dispute the charges on my credit card that was made to XXXX XXXX. I spoke to them many times, filed a dispute with bank, reported fraud to the bank, and wrote a letter to the bank. After my last attempt in XX/XX/2020, XXXX XXXX  advised me to write a letter to them. I wrote a letter to them and mailed it on XXXX never received a call or documents replying to my letter. The only letter I received from XXXX XXXX was dated XX/XX/2020 stating they closed and charged off my account and sold to Midland Credit Management as of XX/XX/2020.
Product: Checking or savings account

I iopened a online acct with citibank to have check cleared funds despursted to citibank my acct I ope ed now I get a letter in mail 3wks later saying citibanks not opening me acct I ja e no access to the account and they have my {$600.00} in the account refuse to release it to me it s my $
Product: Credit reporting or other personal consumer reports

Equifax has multiple times acknowledged that ID thief happened my credit. They have given me confirmation notice and approval numbers to confirm things removed that other credit reports have already removed- due to the inaction and downright lying of Equifax my credit score continues to be impacted while I attempt to buy a home. There are 4 accounts that must be removed immediately. 

XXXX ending in XXXX this is fraud XXXX ending in XXXX this is fraud XXXX ending in XXXX this is fraud XXXX  ending in XXXX this is fraud These cards report over 131 lates between them have a severe impact on my ability to do business. Please help me immediately before I am forced to take legal action.
Product: Vehicle loan or lease

On XX/XX/year> I purchased a vehicle with through credit acceptance company. With this purchase I also purchased a warranty covering the vehicle through XXXX XXXX XXXX  which is said to be part of credit acceptance company. When my vehicle came to need repaired the warranty company denied my repairs stating there was an incorrect tire size on the vehicle however the tires on the vehicle were purchased on the vehicle, I had never made any alterations to the vehicle itself. I had spoken multiple times with credit acceptance explaining to them that I needed help because I had purchased the vehicle through them and the warranty and they offered to help me. I did everything I was asked by the warranty company to have my vehicle covered for the repairs however I made no progress, they continued to deny the repairs. I then came to find out that Credit acceptance is responsible for the warranty on the vehicle. Credit acceptance after offering to help me then tells me that I am out of luck and that it is my problem. I was not responsible for any of the issues. I purchased a vehicle, I never made any alterations to the vehicle, and I purchased the warranty as well yet credit acceptance refuses to honor my warranty. This company is scamming people out of money by selling a warranty and then not honoring the warranty without any fault to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent inquiries from a dark web exposures are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a workers compensation check into my checking account after that the check was flagged for fraudulent activity and my accounts were frozen. The bank told me they needed to speak to someone from the insurance company in order to lift the freeze from my account they haven't tried to resolve the issue or contact anyone from the insurance company
Product: Credit card or prepaid card

I was charged a minimum interest fee of {$1.00} in XX/XX/XXXX, but there was no balance subject to interest ( per the creditor 's own billing statement from XX/XX/XXXX - the creditor is Bank of America ). I carry a balance on this credit card from a 0 % balance transfer. I believe the reditor has, at best, a system problem and for me it is unfair and incorrect to attempt to bill me that minimum interest fee. 

I spoke with their customer service center manager on XX/XX/XXXX, who informed me this was interest in arrears from the former billing cycle. However, the billing statement where I was charged was in XX/XX/XXXX ( {$0.00} from an annual fee of {$79.00} on the account and which had no grace period for interest accrual since I carried a balance ), payable in XX/XX/XXXX.  In early XX/XX/XXXX I made a payment far in excess of the minimum due plus any amount that might have still remained on the annual fee and the {$0.00} interest on that. This payment was reflect as paid when the creditor issued the XX/XX/XXXX billing statement. That XX/XX/XXXX statement itself showed NO AMOUNTS OR BALANCE SUBJECT TO INTEREST. 

If not a violation of Regulation Z or UDAAP, it is at least misleading and confusing. I will also I have had the same scenario with other creditors ( 0 % balance transfer offer in place when an annual fee cycles on the account ) and have never experienced this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Student loan

This was previously submitted and I received my XXXX control number meaning that you have received all of my articulate and lengthy response. My case number is XXXXfor some reason no matter how many times I have. Submitted my responses I am prevented by this website to proceed with the remainder of the form. If consumers can not submit serious issues. Through you site efficiently then we have no way to submit our very serious violations
Product: Mortgage

I contacted Amerisave on XXXX XXXX 2020, to refinance my house. I have XXXX FICO score, high income, low loan to value. The loan officer took all the information, provided me with a disclosure, 2.5 % interest rate and {$2400.00} for fees, took all my documents, and when I asked in XXXX to lock my rate and fees, he would promise on a weekly or daily basis that he is on it and it will be done in a day, in a week, then he started ghosting me. I contacted his manager, and he promised to remove the processing fees and the small partial point for all the trouble and lies his subordinate had given me, and to lock my rate within 3 days. This was based on the XXXX XXXX, and the original disclosure. He started then not to respond to my daily, weekly emails and ghosted me. Then I contacted the director, and he promised to honor the disclosure and to lock my rate and fees as was promised and apologized. He continued promising me this for another 2 weeks. Later another disclosure was presented with a different rate of XXXX and and $ XXXX of fees and when I asked him if this was a joke, he said this is what he can do. He provided a rate based on that day, instead of what he and his other 2 subordinated had promised. He said they learned a lot of lessons and they will correct those, but I do not believe anything he says. He just enables his subordinates to conduct in the same unethical manner and hurt any consumer for their own gain. I have all the emails, dated disclosures and unluckily, did not record the phone conversations. How can these crooks get punished and out of business for their unethical behavior and hurting consumers?
Product: Debt collection

i have contacted all XXXX credit bureaus as well as THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation,
Product: Credit reporting

TODAY, XX/XX/XXXX, FOR THE FIRST TIME I APPLY FOR A CREDIT REPORT AND MAKES QUESTIONS OF ACCOUNTS FOR XX/XX/XXXX LIKE XXXX CARD, CARS ACCOUNT ETC, WHEN I JUST HAVE XXXX YEARS I LIVE WITH MY PARENTS AND I DO NOT HAVE CREDIT CARDS OR AUTO, WHAT I CAN DO AS I UNDERSTAND THAT SOMEONE HAS STOLEN MY IDENTITY