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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$230000.00} ) has never been my mortgage servicer. I have never had a contract of any kind with this servicing company. They are unable to send me anything bearing either an electronic or wet ink signature. They do not bill me nor do they send written or electronic correspondence. However they just continue to report adversely onto to my credit by way of XXXX and Equifax from what I am able to see, and this XXXX reporting has just been placed there since approximately XXXX. 

Then there is XXXX XXXXXXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$220000.00} ) ; same scenario as aforementioned. As the consumer, I have never received any form of correspondence of any kind from this company, nor have I ever established a relationship with this company. They are unable to send me anything bearing either an electronic or wet ink signature as well. Currently, they are reporting adversely onto all bureaus.
Product: Bank account or service

My American bank, Washington Federal, has recently changed its policy regarding electronic transfer of funds to a non-US bank. For years, I have been able to make such transfers to a Danish account in XXXX, which I did most recently barely three months ago ( XXXX 2016 ). But on my latest transfer ( yesterday ), I was forced to have the funds sent as XXXX, with Washington Federal ( WF ) making the conversion. This is apparently a new policy. The XXXX bank 's conversion rate has always been more favorable to me than WF 's rate, and in this particular case, the fact that I was forced to have WF make the conversion cost me a full 3 % of the total amount of the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please check the Payment History, Balance, Date of Last Activity, Date of Last payment and Status information on this account and adjust accordingly. Below is the account that is reporting on my Credit Reports needs to correct as soon as possible : XXXX XXXX Balance : {$270.00} Late Date XXXX30days ] XX/XX/22 [ 60days ]
Product: Debt collection

On XX/XX/2022, I, XXXX XXXX received my consumer reports and I have noticed various areas in the way First Progress Remittances ( also known as FIRST PROGRESS ) as well as XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX XXXX XXXX XXXX ) are furnishing my information. They are tarnishing my credit score tremendously by reporting late payments every month on a Charge Off account to all the Credit Reporting Agencies and never disclose any details nor provided me with any information nor asked permission to report this late payment which is violating my consumer rights. In fact, Ive never given the Credit Reporting Agencies ( XXXX, XXXX, XXXX, to report this information as well. 
There are various federal laws in place to protect me as a consumer, according to 15USC 1666 ( B ) and another 15USC 1681 ( B ) so they are all in violation to my consumer rights. 
When I am saying ( They ) I am referring to the following, FIRST Progress, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and as well as XXXX, XXXX, and XXXX. 
As a consumer, I am demanding that these companies report to the following accounts should promptly be updated as ON TIME to all 3 Credit Reporting Agencies, XXXX, XXXX, XXXX. The account numbers are listed below. 
the account number with First Progress is # XXXX The account number with XXXX XXXX XXXX XXXX XXXX XXXX The account number with XXXX XXXX XXXX XXXX # XXXX With them violating my consumer rights and reporting this information to my reports has caused extremely XXXX XXXX XXXX, stress and XXXX and anxiety. 

I have not been able to get approved for new credit because of these companies I have stated above and according to 15USC 1691 thats a violation to my consumer rights as well.
Product: Credit reporting or other personal consumer reports

This complaint is serious and is not sent in error My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times, and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Credit reporting

I reviewed my credit report on Credit Karma and noticed that my XXXX report has been effected. As a result all of my inquiries from my XXXX report were removed on XX/XX/2017 and added back to my credit report as new inquiries. They also removed my only collection XXXX and placed as an active account during the same. The information has not been corrected and still shows the same information as of today XX/XX/2017. This is detrimental to my credit report as it is not only incorrect information but it is also interfering with and prohibiting my process of buying a home. I have attached all documents showing how inquiries were removed and added as new inquiries and collections being removed and then added as an open account. I contacted XXXX and they are stating that they are not responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. XXXX and XXXX advised they did an investigation, however left innacurate items on my report. Equifax never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.
Product: Debt collection

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : " most provided a signed contract between me and the creditor to validate this account '' an itemized statement does not validate any account, so dont provided, third party is hear say, my be a signed contract, NOTICE GIVEN PRIOR TO FILING SUIT IN XXXX  XXXX, OK
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX XXXX XXXXXXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is XXXXuppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Money transfer, virtual currency, or money service

I sent a domestic wire transfer to the bank of New York Mellon for the amount of {$44000.00} on XX/XX/year> from my account at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX has shown it successfully arriving to BNY Mellon but it has been under a compliance hold for around 3 weeks now. They have provided no clarity in the situation and have ignored various attempts at recall requests. The people who I have sent the money to I have done business with in the past so I am sure of it not being a scam. The bank of New York Mellon is holding my money without any kind of updates or clarity. At this point maybe illegally.
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 : 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  Account Name : Unknown # XXXX 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

XXXX mos prior to turning XXXX yrs old, my Shop Your Way ( Sears ) Mastercard advised that my interest rate would increase from 19.99 % to 33.74 % on my XXXX birthday. I have had this account for many years to purchase ALL my appliances and warranty protection agreements from Sears. I always paid my account on time and receive XXXX monthly notices to receive money back to make further purchases. Since this increase coincides with my XXXX birthday, I believe it is age discrimination. I would contact my Senator XXXX XXXX as head of the Senate Banking Committee but unfortunately he was not re-elected. I will not be using this account in the future but feel it important to report this practice because there was no reason based on my good credit history to increase my interest rate except for age. This is a discriminatory practice that needs to be addressed.
Product: Vehicle loan or lease

On XX/XX/XXXX I was out of work for 2 months due to a serious situation that I had to deal with. and my sister said she was gon na help pay for my car loan for 2 months.. she put her information in to credit acceptance as a guest payment and than cancelled it which put me in XXXX $ In debt and than stole XXXX $ from me on XXXX XXXX.. because she stated that she was gon na help me start my own business.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account 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 states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act convergent account 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22
Product: Credit reporting or other personal consumer reports

On XX/XX/year> you received my dispute regarding some transactions and late payments that you and furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you Experian, stating that the account was verified!!!

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.

We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you Experian, have fraudulently verified an account without a reasonable procedure as required by law.

Delete these incomplete and unverifiable accounts and transactions from my consumer reports : All late payments, collections and Inquires
Product: Checking or savings account

I went to the this location to close an old checking account and request a new account and I ask to speak with Personal Bank not a Customer Services Representative the Representative XXXX XXXX NMLS # XXXX claim that she close my account and transfer my {$1800.00} to new account of Convivence Check and to leave {$69.00} in the for any pending transaction I explain to the XXXX that I need my debt card and she issue me so she gave me a temporary debt and I explain to this Customer Services Representative that I need my debt card. Because the Customer Services Representative was acting like a Personal Bank she did not process the debt card correct I went to use the debt card to pay for my Transportion back to XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX and it declined my transactions and when called the branch the could not explain why it did not work or why it was decline and I called Customer Number on the back of the card and XXXX the customer services represented informed that they could not see any other card that was issue to me temporary nothings. Is it legal for tellers and Customers Services to handled Personal Banking Matter with customer especial when you have request a personal bank is this legal? All misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulatons
Product: Credit reporting, credit repair services, or other personal consumer reports

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of  the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Product: Mortgage

Residential Credit Solutions continues to wreck my credit and has re-aged the debt on my previous XXXX/XXXX home loan. Unfortunately, I was a victim of XXXX scams and lost my house because of it. The Date of Last Payment on the mortgage listed by RCS is purposely incorrect. Despite numerous attempts to correct the record with RCS directly, and through the Credit Reporting Agencies, RCS continues to verify the debt and has re-aged this debt, even after the original creditor removed it, so that it remains on my credit report. The XXXX XXXX XXXX debt which RCS ' entry is based upon was itself deleted from my credit report. You can clearly see based upon the XXXX entry that the Date of Last Payment was XXXX XXXX, and that my Date of First Delinquency was XXXX XXXX, according to XXXX XXXX XXXX 's own credit reporting. For this reason, the XXXX entry was required by law to be deleted from my report. RCS continues to purposely and falsely report the XXXX as XXXX, in an effort to re-age and continue to collect on this debt. Their behavior amounts to a rank violation of provisions of both the FCRA and FCDPA. I suspect there are thousands out there like me, who continue to suffer economic damage from this company 's unscrupulous practices. I have provided a copy of my dispute letter to RCS dated XXXX XXXX, XXXX, a copy of the deletion of the original XXXX entry on my consumer credit report showing the actual DOLA, and my most recent CRA dispute showing that RCS continues to verify this debt, in violation of the law.
Product: Debt collection

I C System at XXXX XXXX XXXX XXXX XXXX, MN. XXXX has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due. I do not know this company. i have never done business with this company. this company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning Equifax. Equifax has published a consumer report about me for an impermissible purpose ; but yet, claims they can not identify me, in which case even more reason why Equifax should not be publishing any consumer report when all details have not been verified. Moreover, Equifax has failed to delete items in accordance with my written instructions as the consumer. Equifax is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that in XXXX, 2017, Equifax improperly handled the financial and personal information of many people, and it appears that I am one of the people exposed. My SSN, name, address, credit card numbers, and other identifying information was released and could be used to damage my credit score and make me liable for damages.
Product: Checking or savings account

2- Part Complaint- 1st : OPT-OUT Choice- Current XXXX XXXX have Been Charged " overdraft Fees '' so far as of today Total : {$140.00} Dates : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX Under the " OPT-OUT '' category states '' " ATM and everyday Debit Card transactions will " NOT '' be authorized when the account balance is insufficient at the time of the transaction. '' THIS DID NOT HAPPEN AS REQUIRED, UNDER MY OPT-OUT CHOICE '', AND I -AM- BEING CHARGED-OVERDRAFT FEE 'S, and my online banking " Does Not show that ( negative amount ) transactions ( cleared online banking ), and merchants at ( Time of purchases Cleared ). 

2nd part complaint : Regarding XXXX My Compensation Portion ) of Court Case XXXX *My Account was NOT Credited ( was Due XXXX ) .Enclosed is copy of my 'year-to-date-Statements-Proof '' for which I had to make a Personal Visit to TCF Branch Location to ( Obtain the statements for XXXX ) per Court Case for Compensation 's Years- for Credits to Account. * UNDER - Frequently asked questions shows : " More Information Contact TCF Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone # XXXX Email : XXXX XXXX I called twice same day two different people- I Informed them I have Not been Credit to my account as court ordered, and " They denied me credit to account under Court order '' **Describe the methodology for " effectively '' identifying and " providing restitution to " Affected Consumers '', AND " Identifying '' the " Dollar Amounts '' of Restitution for " EACH '' Affected Consumer ''.