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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Hello, TD Bank is blocking me from withdrawing my money from XXXX XXXX XXXX on XXXX and today XXXX. I called to let them know and they said they did n't have anything to do with it but this has happened to a few of my friends using TD Bank as well. Now I ca n't get to my hard earned money unless I switch to another bank, this is ridiculous.
Product: Checking or savings account

Chime closed my account and mailed me a check with my balance of {$4500.00} I didnt receive check before I moved and the check was suppose to be returned to chime but some how it ended up in Virginia and sign and deposit in someones account that I dont know nor gave permission to forge my signature. I was advised by chime where refund was from, XXXX XXXX  XXXX whom bank check came from and XXXX XXXXl whom cashed the check to contact police so i can get funds returned to me. I have attached check chime sent me with forged signature. I have reached out to chime over a year now and nothing has been done. I also reached out to XXXXXXXX XXXX but they said its on chime to report fraud.
Product: Credit card or prepaid card

Netspend called and said there was a suspicious transaction on my account. I called to verify that it was me who made that. Shortly after getting off the phone, the money was taken out. On XX/XX/09 at approximately XXXX XXXX, {$940.00} was withdrawn from my Netspend prepaid account. I called Netspend 5 times and they dont seem to know where my money is. No one else has access to my Netspend login information. They say theres nothing they can do except launch an investigation that could take up to 90 days.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation to XXXX several times regarding the fraud account with XXXX and they keep putting it on my credit report. They said that they can continue to report the false information due to XXXX continuing to report it to them although I have already proven with Transunion the the account is due to fraud. 

XXXX collection account # XXXX I am a victim of fraud. I never attempted to live in Arizona, attached are my lease agreements to prove that I have always had an active lease in good standing in Florida, the same criminal also opened a XXXX XXXX  account in XXXX. Transunion continues to report information that is hindering my ability to find a home for my family although they are aware that this is a fraudulent account.
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  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2022 I was making a payment on my XXXX XXXX Synchrony bank credit card. I added a new bank to make my payment from. I made a mistake when selecting the type of account I was paying from. I selected checking account when it is actually a savings account. I learned a couple days later the payment was declined. I then added the bank account again, this time correctly listing the account as savings, and I submitted my payment. About a week later I got a notice of closed accounts on my credit report. When I looked into it I found that all of my Synchrony bank credit cards, XXXX XXXX, XXXX XXXX, XXXX and XXXX were all closed. When I checked I found my second attempt to make a payment on my XXXX XXXX XXXX did not go through, showing as rejected. After calling Synchrony, an agent told me I could not do an online payment using a XXXX account. Their website did not give me a warning the payment would not go through. I checked with my bank and I was told the second payment attempt was never presented to the bank to pay. The Synchrony agent said I could use a savings account for payment over the phone, just not for online payments. She took my information, using the same account I was trying to pay from, and my payment went through without problem. On all the cards that were cancelled I never had a late payment, I never went over my credit limits, I only had a small balance on XXXX card that I immediately paid in full. When I called Synchrony requesting my credit cards be restored I talked to several agents and all said that was not possible, referring to Synchrony 's policy in their terms they can cancel cards at any point and for any reason. I asked to talk to managers and was told the same. I was always respectful talking to the agents. I think Synchrony cancelling my cards were not right, I made a simple error, and their own computer system did not alert me a payment would not go through when I tried to correct. When the second payment attempt was rejected I did not get notification of the problem until after all my Synchrony cards were closed. I did not get the opportunity to correct the problem. I feel closing my cards was an unfair practice considering Synchrony 's own system was the problem my second payment did not process.
Product: Debt collection

on XXXX I sent information a Certified letter to SCA Collections. The letter was signed by XXXX XXXX on XXXXXXXX. My main reasoning for this is because SCA is a third party collection company and my information has been released tho SCA from XXXX XXXX XXXX the creditor. The letter I received have information which is Violation of the Hipaa Law. They are releasing information to me such as XXXX XXXX/XXXX w/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. SCA have reported this information to the Credit Bureaus XXXX, XXXX, XXXX. Indirect Violation of HIPAA LAW. 
listed accounts SCA : XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports :
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 XXXX XXXX XXXX XXXX these accounts have violated my rights. These inaccuracies are keeping me from getting a home loan.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm honesty stumped. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Inaccurate Names : XXXX XXXX, XXXX XXXX, XXXX XXXX : Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$210.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$2700.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} ; Inquiries : XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX - XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX
Product: Mortgage

The property in which my parents had a mortgage on is now paid in full as XX/XX/2020. Both of my parents are deceased and my name is on the account as an authorized party. There's a refund check for approximately {$5800.00} made out to the Estate of ( my Mother 's name ) and an insurance claims check for approximately {$8000.00} ( made out to both the Estate and Midland Mortgage ). I was unable to cash the checks without proper documentation of proof that I'm authorized to deposit the checks and my bank said the checks need to be made out to me because of the amount. My parents did not have a Will ; therefore, a real estate attorney drafted an Affidavit of Heirship And In Aid Of Title document and had it recorded in the state where the property resides. There are 4 heirs ( including myself ) and the Affidavit includes all of our names. I forwarded all documents to Midland Mortgage as requested. They acknowledged receipt and have said since XX/XX/2020  that my documents were under review. I was told I would receive the checks in my name by the end of XX/XX/2020. I called the first week in XX/XX/2020 to inquire about the checks and was told it was still under review. Then they said the checks would have to be placed in all four ( 4 ) names. I said ok, and emailed the names and addresses of all XXXX siblings as requested. I called again the week of XX/XX/XXXX and again was told my matter was under review. After getting irate, the rep then said the checks will go out via XXXX that week. I still have not received any checks nor confirmation of the XXXX tracking number.
Product: Student loan

I attended  XXXX  University in  XXXX   XXXX , NJ from   XXXX   XXXX   to   XXXX   XXXX   as an  XXXX  in the   XXXX   XXXX   XXXX  . I did not like my major and college in general was not working out for me. My grades were okay to start off and then proceeded to get terrible by   XXXX   XXXX  . I took a leave of absence which turned into me just dropping out. Each year had costed about {$20000.00} total and so my total in borrowed money from the private student loan company "  Salliemae '' w as about {$29000.00}.  XXXX  loans were used,  XXXX  for {$22000.00} and  XXXX  for {$7000.00}. The interest rates are  11/38 %  8.88 % and they 're fixed rates and can not go down. I just moved out of my parents ' house living in an apartment on my own and I 'm realizing how difficult it is to keep on paying the monthly payments I have been paying for the pas t two  years. Since   XXXX   I 've been paying {$580.00} monthly total in student loans, {$450.00} to Salliemae and {$120.00} to a federal student loan.     Recently I called Salliemae explaining the situation and asking if there was any alternative monthly payment plan and they said simply no. They said that income based repayment plans and things of that nature are for federal student loans only, not private student loans. They went on to explain that the only choice was basically to be late with my monthly payment, get a late fee applied to my account of no greater than {$25.00} and they wait for the collections agency to contact me about collecting the debt. This is what I 'm currently doing but I 'm afraid it will ruin my credit and I 'm afraid that Salliemae might take money directly from my paycheck.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

Im not sure on the date the loan was processed but I did get a loan with Republic Finance and the total pay back was XXXX.Im not even sure how I qualified and the lady that closed my loan never asked me about collateral, never tried to update anything, except a paystub. The lady then told me upon signing my paperwork ( and I'm not sure why she would make this remark ) but that they dont take single mothers to court for non payment. After losing my job they of course started to contact my references and told my mother they were going to take action against me. Ive worked in collections and I know that is something you never tell anyone. I know there is no way I qualified for that loan with the income to debt ratio I had and was told they made the loan to meet quota.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXXXXXX XXXX XXXX filed a Motion for Summary Judgment. Within the Motion is a list of fees and costs as well as the principal balance. These numbers seem to change often. Additionally, there is a special advance charge for property inspections. No one has ever been to my home to inspect it. I would like proof of the inspections; i.e. a report, pictures, the name of the company who performed the inspections, etc. 

If there is no proof of any inspections, this amount should be deleted from fees and costs the lender is claiming is due.
Product: Debt collection

I dont know why they call 10 15 times a day. I have never bought anything from this company
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.

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: Debt collection

NETCREDIT Must provide consumer with an authenticated record of accounting to validate and verify alleged debt. NetCredit, I am requesting an authenticated record of accouting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as its directly associated with the reporting activities associated with my financial record. 

Failure to act and/or comply will result in legal actions under Federal Laws.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Credit reporting or other personal consumer reports

I recently filed a FTC report with Experian for a XXXX Bankruptcy on XX/XX/XXXX. See Complaint ID XXXX. A government issued id and ssn was sent in for identity purposes. Experian responded with a email on XX/XX/XXXX declining to block the reported information. This reasons are unacceptable, illegal and unlawful. The law states a consumer reporting agency SHALL block the reporting of any information in the file identified by the consumer that resulted from an alleged identity theft no later than XXXX business days of receipt. See XXXX XXXX. The term " shall '' in law means the company has no discretion. By the date alone Experian did not meet this requirement. A clear violation of this code. The basis for Experian declining states " Bankruptcies and child support debts typically do not result from fraudulent activities '' is irrelevant and not supported by the above mentioned code. In fact the term " typically '' is not absolute and nothing within the code supports a vague explanation authorizing a decline. Experian did not meet its initial requirement which rest upon the claim from the consumer whether substantial or not. As a result of Experian failing to meet the duties entrusted to it by the public and protected rights of the consumer your company is required to immediately correct this error.