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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit card

I ordered a product from XXXX XXXX but after reading the " FINE PRINT '', I saw after the order was processed that it was a " recurring subscription '' that I did not intend to order, I thought I ordered a " XXXX time purchase ''. So, alter speaking with XXXX representatives on the phone, and not understanding their speech ( they can't speak XXXX XXXX too well ), nothing was resolved and after looking at the account online this morning XX/XX/2023 the charges are still pending and have not been reversed as the emails I have received states I would get a refund of {$190.00} and {$59.00} since the orders were cancelled. ( see attachments ) I received a letter stating to call representative but I have already spoken to XXXX or XXXX reps to no avail. Americans have the right to cancel orders before the order has been processed, and I cancelled the order with XXXX hours on the weekend ( Sunday ) .I have provided copies of the pending charges ( XXXX ) in total and I Only ordered the product " ONCE '', not XXXX or XXXX... XXXX have provided attachments in here to prove my case.I want my XXXX XXXX XXXX credit card XXXX XXXX XXXX Synchrony Bank ), the amount in dispute /question ....
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 : Acct. # XXXX, XXXX  : Acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX : Acct. # XXXXXXXX XXXX XXXX Acct # 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 an 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX ( account number XXXX ).
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 federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX next account XXXX XXXX XXXX account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX account number XXXX next account XXXX XXXX XXXX are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost to believe that the information is inaccurate
Product: Checking or savings account

I am writing a complaint to Capital One. My account in Capital One was blocked after an unsuccessful transaction from my main bank account from XXXX XXXX XXXX in XXXX days. 
I opened my main bank account ( checking account ) on XXXX XXXX in Capital One. After that, the bank app gave an option to transfer directly to the Capital One account from another bank through direct deposit. I wrote my account number and routing number. The transaction was successful. I saw this transaction in the Capital One app on XX/XX/XXXX. But after XXXX days on XX/XX/XXXX I got a message on my e-mail from Capital One that XXXX XXXX XXXX refused the transaction. I called to the XXXX XXXX XXXX customer service. The woman explained that I wrote the routing number for wires in the Capital One app, not for the electronic transaction and XXXX for making the transfer. At the same time, she said that she said could not see that the transaction was done. I opened the XXXX XXXX XXXX app I could not see that transaction either. In the Capital One account, it showed that the money got deposited into my account and after the XXXX XXXX XXXX XXXX took it back. After the call from Capital One, they contacted me and asked for the address ( I was in the process of changing the address I said the new one and the previous address ). After the small decision, they blocked my account without saying the reason. 
I called Capital One again, asking the reason why my bank account was blocked account they couldn't say anything. 
The day after I called 2 times to customer help and on the second time the woman provided the investigation e-mail of the bank. I explained this situation to the investigation office of the bank and they wrote to me in XXXX days : " Thanks for your patience while we reviewed unusual activity on XXXX or more of your accounts. We finished our investigation and found there was no suspicious activity. You now have complete access to your Capital One account ( XXXX ). Youll need to request a new debit card, which you can do online or through the Capital One XXXX app ''. 
I entered the app again and I saw that my checking account is still blocked. 
I thought ok, maybe I can open a new account. I tried to open an account XXXX  times and I got these messages : " We declined your application because your XXXX XXXX XXXX  deposit account score is XXXX ( on a scale of XXXX ), which we consider to be a higher risk score. 
According to XXXX XXXX XXXX, these are the major factors impacting your score '' I got blocked by mistake. This bank mistake will affect my reputation when I open the bank account again. 
I am looking forward to your letter, Thanks for your help
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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 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: Vehicle loan or lease

Ally will not provide a statement, they are locking me out of my auto loan account and will not fix any problems. They promise to fix said it was fixed but the account is not accessible and forcing me to pay high unnecessary fees
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I request that you take immediate action to ensure these accounts are removed from my credit file and that no further action will be taken on them. The following accounts have been impacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion Report # XXXX I have sent my final default judgment out, they have items on my report that are not mine and reporting Income as Debt!! Against the Law and IRS policy. I will have NO choice but to file a law suit which I SHOULD NOT HAVE TO DO??? I will also look into suing the CFPB for remedy for NOT taking action. 

I have a FINAL JUDGMENT AND THEY ARE NOT REMOVING!!! I NEED ENFORCEMENT
Product: Debt collection

In XX/XX/2018, XXXX XXXX XXXX Collection Agency placed this account on my credit report for the amount of {$3500.00} on behalf of XXXX University. I have disputed this account SEVERAL times with the other collection agencies whom have owned this debt. Each time I have disputed the account, it has been removed from my credit report. I have never attended this University. This is the 6th time this debt has been added to my credit report and the 6th time I am fighting to get it removed. Furthermore, I did not receive any written letter from the University or the collection agency as to their actions of trying to collect this debt. Below is a list of dates in which this item has been removed from my credit report : XXXX XX/XX/2017 XXXX   UNIVERSITY {$3000.00} XXXX XX/XX/2016 XXXX UNIVERSITY {$3000.00} XXXX XXXX XXXX XX/XX/2017 07 XXXX UNIVERSITY {$3000.00} XXXX XXXX XX/XX/2017 07 XXXX UNIVERSITY {$3000.00} XXXX XX/XX/2016 07 XXXX   UNIVERSITY {$3000.00}
Product: Student loan

I have 4 private student loans with Navient, went to XXXX XXXX, XXXX, XXXX - XXXX. The loans I took out were Sallie Mae loans, I thought at the time they were government loans. First loan, I took out was for {$12000.00} doubled to {$25000.00} within several years ; the other were small loans {$9000.00}, and ( 2 ) {$5000.00} loans. I started paying back the loans under income repayment in XXXX with monthly allotments to present. Iam now on Social Security and spousal military retirement ; main income. XXXX  to my XXXX XXXX mother with multifaceted illnesses. Pay present monthly amount of {$240.00} to Navient. Have to renew loan every 6 months with higher and higher interest rates. Two weeks ago tried to renew loan repayment with Navient will go up to {$300.00} monthly. I recently learned from my credit report Navient has filed contradictory information that I have continuously missed payments. How can I miss so many payments when I set monthly allotments??? The problem I noticed with Navient when you set up the allotments on your credit card/debit card, the first month you start taking out the allotments always dont process with the bank. Thats the only way I figure I could have missed payments??? I need help from a pro bono lawyer to help clear my credit report. Navient is the only company on my credit report with destructive information. Iam XXXX years of age, I have intention to pay on my student debt but not beyond my means. I have to pay rent, car insurance, XXXX insurance I just need help lowering the debt some.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires that was removed on XX/XX/19 is now showing up again
Product: Debt collection

Received a call from Gate stone and asked to verify my information. Didn't give me any details why I needed to verify my info so I wouldn't. They threatened me repeatedly yet I still wouldn't verify without information. I'm afraid they have personal details on me that could negatively affect my life but they will not give me any detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One is in violation of 7 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Transunion. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Transunion credit report. I am perplexed as to why this fraudulent account continues to be reported by Transunion despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 

XXXX XXXX XXXX, XXXX XXXX XXXX --
Product: Credit reporting or other personal consumer reports

I identified several inaccuracies on my credit report and formally demanded that Equifax investigate and correct them. Specifically : Inaccurate Reporting of Late Payments : Three accountsXXXX XXXX XXXX, and XXXXare incorrectly reported as having late payments. Since I am protected by the CARES Act, this reporting is inaccurate. I requested that these accounts be updated to reflect " Pays Account As Agreed '' as required under the CARES Act provisions. 

Violation of Consumer Privacy Rights : The account XXXX XXXX appears to violate my consumer right to privacy under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681a ( 4 ). I requested its deletion due to this violation. 

Incorrect Personal Information : Two addresses listed on my credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXare inaccurate and need to be corrected or removed. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax is required to investigate these disputes and correct or delete any inaccurate information within 30 days. I cited case law, such as XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which emphasize the need for credit bureaus to conduct thorough investigations and maintain the highest standards of accuracy. 

Additionally, I reminded Equifax that failing to comply with these obligations could result in liability for willful or negligent non-compliance under 15 U.S.C. 1681n and 1681o. I expect a prompt and thorough investigation, a description of their procedures, and an updated credit report reflecting the necessary corrections.
Product: Mortgage

I am currently XXXX and fell behind on my taxes, I have been trying to work with PHH to get them payments and they are no longer willing to work with me on a payment plan. PHH went ahead and paid last years taxes when i was going to pay it and did not give me a choice. They are now forcing me in foreclosure and taking my home. I now have it under contract and they refuse to allow me time to close to get their funds and taking advantage of me. Please help me as I am trying to get this closed as I do have equity and they know it. I need the foreclosure postponed so i have time to close this month and not be homeless with no funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Bureaus, TransUnion, XXXX  and XXXX  are ignoring my request to investigate accounts on my credit report, I have disputed these accounts and they need to be immediately removed. I am asking for, The Consumer Financial Protection Bureau help with this information being reported as a violation of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing i owe {$9800.00} on auto loan with Auto Advantage Finance the true loan balance is {$3900.00}. Also showing 8 months of finance but it's was 36 months of finance with 8 month remaining. XXXX is way behind with updates. This is hurting my score and XXXX
Product: Mortgage

XXXX XXXX : Closed on a house using a mortgage company XXXX : Mortgage company used an escrow account to pay for PMI each and every month. ( I have documentation to the fact and they have even provided me with a statement saying that as of XX/XX/XXXX the PMI was good through XX/XX/XXXX. ) XXXX : Mortgage company sold my mortgage to Freedom Mortgage Corporation. 

XXXX - XX/XX/XXXX : Freedom Mortgage Corp used escrow to pay for PMI each and every month. 

XX/XX/XXXX : Freedom Mortgage Corp used escrow to pay for PMI TWICE. 

XX/XX/XXXX : I was alerted to this overpayment by a yearly escrow statement where they are raising my escrow payments about $ XXXX/month. I called and asked them about the double payment and was told that there was a missed payment in summer of XXXX when I asked for more details ( because this made no sense to me ), I was transferred to someone else who confirmed the missed payment was in XX/XX/XXXX. When I disputed it with documentation from previous mortgage company, I was then told that the missed payment had occurred in XXXX. 

XX/XX/XXXX : I formally requested ( in writing via the online portal ) four items to figure out where the missed payment actually occurred and to get information regarding the service provider for the PMI ( so I could get them to confirm/deny the missed payment via a statement from them ). 

XX/XX/XXXX : Freedom Mortgage Corp is refusing to provide the PMI contact information but has provided a " detail history '' of the escrow account. The detail history is full of errors. Not the least of which is that their records do not line up with the IRS 1098 Mortgage Interest Statements for any of the three years involved. ( The records Freedom Mortgage Corp has are short {$1300.00} - amounting to 5 PMI payments. ) I have asked them for more details regarding the double payment to figure out why they double paid and they are unable to explain or credit it back to my account. They are also refusing to budge on the raise in monthly escrow payment amounts that I will be owing in the near future. 

In addition to all of this, they over paid my property taxes ( and I have yet to see a refund on that ). 

Freedom Mortgage Corporation is unwilling or unable to properly maintain my escrow account. 

Please help me.
Product: Credit reporting or other personal consumer reports

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received an email congratulating me on my new credit/debit card Friday XX/XX/XXXX, XXXX have never even heard of MOVO! I called the same day and asked them to close the card because it was opened fraudulently. They asked me to identify myself, my email, my last four SSN. They said theyd escalate the issue. 
Today I received emails with purchase statements in the amount of about {$100.00}.