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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are all violating my rights, and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I recently reviewed a copy of my credit report and noticed I had fraudulent activity. please remove this account from my credit report its hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

It was on cashapp at XXXXXXXX XXXX on XX/XX/XXXX I got scammed out of XXXXXXXX XXXX i immediately reported it to cashapp they said theyll look into it they asked for personal information and XXXX days after they denied my request
Product: Mortgage

I was presented a Letter of Ineligibility from Flagstar Bank on XXXX/XXXX/XXXX for an appraisal completed on a residential property on XXXX/XXXX/XXXX. I was never given an opportunity to rebut the findings of their conclusions and now I 've been blacklisted from doing appraisals for Flagstar Bank. Keep in mind, I have completed XXXX appraisal assignments prior to XXXX/XXXX/XXXX and XXXX assignments post XXXX/XXXX/XXXX for Flagstar Bank which equates to a better than 99 % success rate. I submitted an XXXX page rebuttal to XXXX ( the XXXX XXXX XXXX ) when I was made aware of a Field Review completed on the property in question. Flagstar may or may not be in possession of the rebuttal. I mailed an entire package ( including the rebuttal ) via Certified Mail on XXXX/XXXX/XXXX and the parcel remains at the Post Office to this day. The package was never picked up. This blacklisting has caused extreme losses of revenue. A number of my clients will not engage me on appraisal orders ( even with other banks ) due to the blacklisting which has been unjustly been placed on my license. I 'm filing this complaint as I feel I 've been wrongly persecuted and it has had a domino effect on my business. I 'm requesting the services of CFPB so that a just and fair resolution to this matter can be achieved.
Product: Debt collection

Agency : MIDLAND CREDIT MANAGEMENT Type : Collections account Originated Date : XX/XX/year> Balance : {$630.00} I found on my credit report that a collections account has been opened under MIDLAND CREDIT MANAGEMENT for a debt owed in the amount of {$630.00} for an account that originated on XX/XX/year> with XXXX XXXX XXXX. I reviewed the information and found inaccuracies in the claim, and I am not aware of the account. Therefore, this debt is not valid or correct. Proof was not provided to me to validate this debt. I am disputing this charge immediately for inaccuracy and possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND XXXX AND EXPERIAN has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT SOFI ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT EXOOERIAN DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX AND CANT MOVE ON WITH MY LIFE
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 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: Mortgage

- On XX/XX/scrub> 2024 we have received a notice from Loan Depot that they are missing our insurance, so we followed the step on the letter on the same day to submit everything via their web portal - On XX/XX/scrub> 2024 we called Loan Depot, and emailed them the certificate of insurance AGAIN while they are live on the called, and we have got the verbal confirmation that we have supplied all the documentation needed, INCLUDING hazard insurance, and our account doesn't need other attention. *We have evidence this from a timestamped email* - On XX/XX/XXXX we found a letter dated XX/XX/XXXX from Loan Depot , stating, AGAIN, that we did not provide hazard insurance, and we checked our account and found that they have charged us {$690.00} for it *We have reasons to believe that Loan Depot intentionally makes this process difficult to over-charge many consumers at scale, as we deal with this problem every year ( see our historical complaint ).
Product: Credit reporting or other personal consumer reports

I accidentally missed a car loan payment with XXXXXXXX XXXX in XXXX, and immediately paid off the loan once I noticed. The payment I was delinquent for was the final payment. 

My credit score was docked for having a delinquent loan ( which is correct ), but even though I've paid off the loan, my credit score hasn't recovered.

So there's nothing incorrect about any record keeping, I'm more disputing the effect on my credit score.
Product: Credit card or prepaid card

End of XXXX XXXXBeginning of XX/XX/XXXX I saw 2 PENDing charges on my 5/3 credit card and called to report the were both fraudulent charges. 
XXXX : XXXX XXXX XX/XX/XXXX - {$5700.00} XX/XX/XXXX - {$4700.00} I was informed that nothing could be done until they POSTed. Once they POSTed I called to report the fraudulent charges. I received a letter dated XX/XX/XXXX that case XXXX was created and the Disputes/Fraud Team would investigate . I received a letter dated XX/XX/XXXX that the case was closed due to insufficient information. I called 5/3 and XXXX provided me the email address ( XXXX ) and what information to provide .. which I did. I received a letter dated XX/XX/XXXX that the information I provided was not sufficient to reopen case XXXX. I called 5/3 and XXXX XXXX member of Disputes/Fraud Team ) instructed me to respond to the email thread that the Reason Code was wrong .. it should be FRAUDULENT .. which I did. It appears that the Disputes/Fraud Department at 5/3 Bank are attempting to hold me responsible instead of performing their job of protecting their customers against fraud by going after the Merchant who committed the fraudulent charges.
Product: Mortgage

Approximately on XXXX XXXX, 2016 I contacted XXXX. The were very eager to help me re-finance with money out. I completed all their paperwork with in about 7 days. They then told me it went to the underwriters. At this time I paid {$490.00} for an appraisal for my house to qualify for this loan. My appraisal came in at {$320000.00} and I wanted to take out all I could which meant I wanted my loan to be {$260000.00}. I then waited for the rest of XXXX, XXXX, and XXXX calling them approximately every 10 days to find out where my refinance was at. And everytime I called they said it was at the underwriters. I kept asking if they need more information. NO NO you are are fine, Finally on about XXXX XXXX, 2016 I received an email from them listing about XXXX things they needed from me in order to close. By this time I contacted another mortgage lender and closed within 3 weeks. I think they should refund my {$490.00} for my appraisal fee. When entering into a contract with them I believe time is of the essence. and by stalling my home loan for 3 months is NOT a timely fashion. Every other time I have refinanced my home the loan has been completed within 30 days. 

Thank you XXXX CA XXXX XXXX
Product: Checking or savings account

I was charged multiple fees for lack of activity in a particular checking account. I have also received fees for moving money from savings to checking more than 5 times in a 3 month period.
Product: Student loan

I was a XXXX at a XXXX college in XXXX XXXX XXXX named XXXX. I attended XXXX to try and better my education and grow as a professionalI .I called the XXXX ad scheduled an appointment with a rep who I thought was a counselor. Later I found out that these reps get commission for every student they enroll and once we XXXX .which is why they are a predatory school. I advised the rep that I did not finish XXXX and that I wanted to further my career. The rep referred me to a XXXX that was XXXX and a fraud .I completed about XXXX test in XXXX hours and they forwarded my transcripts directly to XXXX stating I now had a XXXX. I then Attended XXXX for 2 long years and XXXX the XXXX program they offer. Once I tried to apply for a job in the XXXX XXXX field such as XXXX, XXXX probation, i was advised that in order to get credit for my XXXX degree and XXXX must be from an XXXX College, which XXXX is not.The degree from XXXX is pretty much useless, no regular college recognizes the credits and no criminal justice job will accept it. So I feel defrauded I wasted 2 years of my life and now I have a big student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at approximately XXXX I spoke with a representative from XXXX  and advised him that I had inaccurate information reporting on my credit report. There was a XXXX  card that showed closed and reporting late payments. I opened up a dispute and it was completed on XX/XX/2023 showing as updated instead of removed. 

In accordance with the fair credit reporting act XXXX, Transunion, XXXX, XXXX and XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA
Product: Student loan

This debt went to collections, to the firm Patenaude & Felix, A.P.C. They sent me a judgement balance for {$14000.00}. This was paid via wage garnishment. After the garnishment was complete and the judgement balance paid, I received another letter stating that the judgement balance for the same case number was now {$1700.00}. I asked for documentation for that was for and was verbally told that it was interest. I asked for documentation of the interest rate etc.. and was told that none would be provided.
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. 

Account name : # XXXX  ( XXXX ) Date Opened : XX/XX/XXXX, Account name : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Account name : # XXXXXXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX  ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name : 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 reporting or other personal consumer reports

There is a XXXXXXXX bill that was suppose to be paid by insurance. It was billed incorrectly by the quick care and only they could re bill the insurance using the correct codes. 

However the XXXX  bill is under {$500.00} and should not appear on my credit at all. 

I have poky ed this but and they continue to report it monthly and its an unfair charge to begin with
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my address is wrong on my credit report it need to be updated XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax I never lied at XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2019, I fell victim to a multi-layered scam operation orchestrated by Fake XXXX  support which involved me making deposits for a total amount of XXXX USD from my Coinbase Inc. account to the fraudster.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for any reported transaction
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address the inaccurate late payment listings on my consumer report, specifically concerning the accounts associated with XXXX XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXXXXXX with the reported late payment dated on my credit report. This is my third attempt to resolve this matter amicably. 

I still noticed discrepancies in the information being furnished on my credit report. It is imperative to acknowledge that various federal laws are in place to safeguard consumer rights and ensure fair business practices. I would like to draw your attention to 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), which explicitly prohibits reporting or treating a payment on an open-ended credit plan as late for any reason.

Furthermore, 15 USC 16819 ( B ) stipulates that as a consumer, I must grant permission for the furnishing of information on my behalf. To date, I have not provided such authorization to [ Name of Company Reporting Late Payment ]. Thus, the reporting of late payments without my consent is a violation of consumer protection laws.

Additionally, the billing errors identified under 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ), including the creditor 's failure to reflect payments properly on a statement and computation errors, further highlight the inaccuracies in the reported information. As per the Fair Credit Billing Act, the creditor is obligated to notify me at least 21 days before the due date if there are any discrepancies in the statement. Failure to do so renders any late payment designation as a billing error. The following items must be promptly updated to reflect " paid as agreed '' on my consumer report : XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX I demand conclusive evidence from the creditor 's records demonstrating that the reported late payments were indeed justified and not the result of billing errors. Your persistent failure to rectify these inaccuracies not only tarnishes my consumer report but also undermines my financial standing. 

I hereby request that the late payment listings associated with the aforementioned accounts be promptly updated to reflect accurate information or removed entirely. Failure to comply will result in legal action seeking monetary compensation for violations of my rights under 15 USC 1681n civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  XXXX XXXX  XXXX XXXX. 
Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

Identity Theft XXXX  XXXX XXXX. 
Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Product: Credit card

My credit card payment was due at Capital One on XX/XX/XXXX I made several attempts from my phone to try calling their automated system was not taking the prompts by me pushing buttons or speaking when I tried pressing zero to talk to a representative it would not register their system was not working finally after several attempts seven from my phone and a number of others from friends and families phones at XXXXXXXX XXXX. I called the fraud department to get a hold of a live operator was able to make payment XX/XX/XXXX I checked my balance to find out there was a {$20.00} late fee because the payment wasn't in by XXXXXXXX XXXX. when I called the credit card company to let them know about their phones they said there was nothing they can do to wave at {$20.00} fee I made every attempt to try to pay that on time even the final phone call when I made the payment it is a no fault of my own that I was on hold for XXXX minutes which made the payment XXXX minutes late I also tried paying online but the phone number I used to apply for the card was not working they had a phone number on record that I had several years ago which is no longer in working order so I could not get online to pay my bill to me it is unacceptable that they charged {$20.00} late fee when I made every attempt to pay it on time and it was their fault the payment didn't go in it is only {$20.00} but theft is stepped and how many people are they charging this money and getting away with it please reply Thank you XXXX XXXX XXXX I have screen shots of the times I tried calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I got an alert I had a inquiry on my XXXX account. 

I'm so confused because I did not give anyone any permission to run my credit. 

( ComenityCapital/XXXX ) Address XXXX XXXX XXXX XXXX Ohio XXXX