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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple requests, the unverified item with Nationstar, inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted Nationstar via mail and have returned undelivered mail with inaccurate address on file, and via phone Nationstar has told me I never had account with them. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX is also reporting incorrect contact information, and payment status on report for the Nationstar creditor.
Product: Checking or savings account

I am trying to open a savings account with XXXX XXXX XXXX and they are forcing me to give them my income information before I can open an account. I do not disclose my annual income with anyone and I can not find a law on the books that say they are required to gather this from their customers. What I do see is they want this information to target me for the sale of products and I do not want that. I have never hear of this in the past with any financial institution I do business with. Why do they ened annual income other than target sales?
Product: Credit reporting or other personal consumer reports

I want these inquiries to be deleted because I did not authorize these companies to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX and # 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 sectio
n 2 : It also states a consumer reporting agency can not furnish an account w/o my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, and XXXX XXXX Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 
Failing that, the incorrect information must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within XXXX ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unrecognized XXXX  credit card in my Experian account. I also noticed that my personal information are all incorrect, which includes birthyear, phone number, and address. I already contacted XXXX and the information on their end is correct. 

I disputed with Experian, but they said the information is accurate and did not remove the credit card. I tried calling, but the customer rep ended my call mid-way. I feel completely helpless, and my credit score is also messed up- it was around XXXX and now with the mixed up it is only about XXXX. 

This is also a serious privacy and information leak issue, because I got all the information from the other person.
Product: Credit card or prepaid card

XXXX FAILED TO PROCESS INSURANCE FROM ACCOUNT XXXX  AND A BENEFIT CLAIM FROM XX/XX/2019
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXX - XXXX  XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/2023, I received a statement that I'm in a negative balance XXXX that has occurred with out my knowledge. Multiple forced insurance policies have been placed without my knowledge. The contract states that I was to pay them for insurance, but instead they sent the check back and stated that it would be covered without any further acknowledgement. I had XXXX in XX/XX/2023 which had me sick for weeks and for reasons unknown did not receive any mail stating I was even behind, now months later this preditory loan company is charging for unforseen charges on every level, attorney and things like home inspection that don't even happen. I'm being charged for everything under the sun that they can come up with. As of XX/XX/2023 charges have occurred for attorney fees and whatever they can change me for. They're trying to take my home, for a contract that was transferred from another company and changing the terms of agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It had previously come to my attention that Synerprise Consulting Services posted an adverse entry on my credit report, with a case opening date in XXXX. I checked my credit report a few months later, and Synerprise Consulting Services had unlawfully changed their case opening date to XXXX, so that the entry would remain on my credit report until XXXX. I have written to them about this, asking that they remove the entry, but they simply re-reported the invalid date to the credit reporting companies. I have never received any documentation about the disputed amount, and have no idea what it is for.
Product: Payday loan, title loan, or personal loan

Ive paid what Ive borrowed. I currently cant pay anything else. The payments arent even to cover the principal only the outrageous interest.
Product: Debt collection

I am filing a complaint against Harvard Collections, located at XXXX XXXX XXXX XXXX XXXX Il XXXX. The phone number listed is ( XXXX ) XXXX. Harvard Collections held a debt of mine originating from the IL Department of Human Services ( phone : XXXX ) in the amount of {$1000.00}. That debt was paid by me to Harvard Collections on XXXX XXXX, 2016. I received confirmation of payment by collection manager XXXX ( XXXX ) XXXX ( XXXX ext XXXX ) and was informed that Harvard Collections sends payment to the original debtor once a month at the end of each month. He informed me that the Illinois Department of Human Services will not receive payment until XX/XX/XXXX which should be reflected before XXXX XXXX. I filed my taxes in XX/XX/XXXX. {$1000.00} was taken out of my taxes on XXXX XXXX, 2016 due to a tax offset for this same debt which was paid on XXXX XXXX, 2016. I contacted the Illinois Department of Human Services directly on XXXX XXXX, 2016 and explained to XXXX that I paid this debt twice. He informed me that I would have to wait until XXXX XXXX, 2016 for both payments to post in their system ( XXXX from Harvard Collections and another from the XXXX XXXX XXXX XXXX ). I contacted XXXX on that date and was informed that nothing was posted yet. He told me to follow up. I followed up XXXX XXXX, 2016. A representative informed me that the department XXXX XXXX XXXX received payment from the XXXX XXXX XXXX XXXX but did not receive payment from Harvard Collections. I immediately called XXXX XXXX at Harvard Collections and asked why this debt has not been paid even though I paid. He then said that his company does not deal with the payment to the original debtor and he would have to contact 'client services '. He would not give me a number or contact information. He later told me that he does not have a number for client services only an email which he would not provide to me. I have followed up with XXXX XXXX several times and he either hangs up wilhen I call or tells me lies. He wo n't refund me my money. The account has been paid twice and I ca n't find any resolution with Harvard Collections.
Product: Credit card or prepaid card

Capital One has been secretly charging me {$95.00} for XXXX and XXXX annual fees and deducting them from my bank account. 

I have not used the account at all, received zero benefits from them, yet Capital One charged me {$190.00} in annual fees. 

Today I asked Capital One to waive those fees but they refused. 

I closed the account today but I am asking for assistance in refunding the {$190.00} in annual fees they charged me.
Product: Credit card or prepaid card

I have a Bank of American credit card. Four fraudulent charges totaling {$440.00} were posted to my account. I immediately reported the issue to Bank of America. Bank of America denied this fraud claim without explanation and is refusing to reimburse me for these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account on my file that I have never done business with from XXXX XXXX XXXX # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.
Product: Credit card or prepaid card

I have had the Citi Sears card since 1995. I have been a responsible cardmember paying my balance off and on time. As it is a Sears branded card, I believed I was earning Shop Your Way Rewards Points. When I log onto my Citi account the Shop Your Way logo is everywhere. When I went into my Sears  Shop Your Way account ( separate website ), I was shocked to see I had {$0.00} in rewards. I called Citi and found out I was in the Thank You rewards program. I have never heard of this program. I asked what were my rewards and they said {$0.00}. There is NO mention of the Thank you rewards program on my account when I log in or on any of my statements. I use my card so I would expect I would have a decent amount of points. Citi only offered to link my card to my Sears Shop Your Way account and I would earn points prospectively. They would not give me any rewards points even for the current statement. So for the years of spending on a Sears branded card where I believed I was earning Shop Your Way points, I have NOTHING! Not one reward point. I feel I was taken advantage of and misled. I should have a decent amount of points. This is extremely disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went into a Chase Bank located in XXXX, Florida to inquiry about the Forberance on my loan due to significant hours decreased at work due to the pandemic. The bank was unable to assist me at that time so I was given the phone number to contact to put the forbearance on my loan. 

I called the number while sitting in the lobby and was connected with someone to help with adding the forbearance on my loan. I was told the forbearance was approved and I did not need to worry about any negative reporting on my credit report. 

My loan was sold to XXXX XXXX XXXX  in XXXX of 2020 and at the time I pulled my credit report and noticed that Chase had been reporting my account negative even for the month that I did not have my account with them. I have called multiple times and each time I am told that Chase has not reported my account late at all. This is incorrect. They have been reporting my account late from XX/XX/2020 until now. I really need this to be corrected. 

I have been offered a job and due to them reporting these incorrect late notices on my credit report it is causing a delay with me getting this federal job.
Product: Credit card or prepaid card

I called Synchrony bank/Banana republic 4 times in the past 60 days requesting the credit to my account be sent as a check to me, since I received a refund from a purchase. They say over the phone they are requesting the check to be sent and I should receive within 7-14 days. I wait the 14 days and when I dont receive the check, I call again seeing what the issue is. It wasnt the wrong address, and every time they say they see no request for a check being sent to me for my refund. So they request again and the cycle has continued. Its to the point I dont know what else to do to get my money.
Product: Credit reporting

On XXXX/XXXX/2015 I filed a proper dispute on an unknown medical account with Equifax. On XXXX/XXXX/2015 I received a response to my dispute stating that they have researched and verified the collection account with XXXX XXXX. I then contacted the XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Equifax, re-disputed to Equifax with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute, which they received on XXXX/XXXX/2015. On XXXX/XXXX/2015 Equifax responded with an improper/incomplete dispute verification and have not delivered any proof to me as requested. I have not received any validation from XXXX XXXX. Equifax 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Equifax has also failed to denote this account as in dispute. Equifax is the only credit reporting agency that is erroneously reporting this unknown account on my reports.
Product: Credit reporting

TransUnion is reporting a Paid, Federal Tax Lien on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice, in XXXX 2016 and XXXX 2016 asking them to delete this entry from my TransUnion File. Most recently I received a letter from TransUnion dated XXXX XXXX, 2016, stating " Verified, No Change, '' and the tax lien remains on my credit report. 
I believe this is a violation of Fair Credit Reporting Act and would like action taken against TransUnion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is from XXXX, I was in good standing and it was paid off. I understand negative accounts can stay on file for 10yrs but this account isn't one. I'd like it deleted from my credit report asap. I recieved my auto loan XX/XX/2015, it's been 9yrs, this is now considered a legend Account. Per my agreement with XXXX they should have deleted when my final payment was made! I've been disputing this for years now.
Product: Credit reporting

There are several things listed which are NOT mine. TransUnion has my information merged with someone else. This has GOT TO STOP XXXX XXXX XXXX XXXX NOT MINE XXXX XXXX NEVER HAD XXXX NOT MINE XXXX XXXX XXXX ACCOUNTS XXXX, XXXX, XXXX NEVER EVEN BEEN TO THIS HOSPITAL REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to keep an account on my credit file that is not reporting 100 % accurate, and contains missing information. The FCRA 15 USC AND 624 ( a ) ( 1 ) ( A ) state IF EVERY PIECE OF INFORMATION ON THESE ACCOUNTS MUST BE REPORTING 100 % ACCURATE OR THEY MUST BE DELETED FROM MY CREDIT FILE, THE FOLLOWING ACCOUNT IS NOT REPORTING 100 % ACCURATE AND STILL CONTAINS MISSING INFORMATION, THEREFORE EQUIFAX MUST REMOVE THE FOLLOWING ACCOUNT FROM MY CREDIT REPORT AS REQUIRED BY THE FCRA. THIHS HAS CAUSED MY CR3DIT SCORE TO SUFFER, AND I WILL SEEK MONETARY DAMAGES AS A RESULT OF EQUIFAXS VIOLATION OF THE FCRA. I HAS ENCLOSED PROOF THAT THEIR VIOLATION CONTINUES.XXXX. Account to be removed : XXXX Account XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

Under 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. I am a victim of Identity Theft. I have NOT opened, benefitted, or authorized anyone to open any accounts in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. Also, the Credit Bureau is reporting fraudulent accounts on my profile. 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 who the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, 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 the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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: Money transfer, virtual currency, or money service

I received an email about a job offering. 
I followed the prompt and got in touch with a lady name XXXX XXXX. We communicated via XXXX. I had the interview by XXXX. Once the interview was done I was told to wait 35 minutes and I would have an answer. After that 35 minutes I checked in with her and they offered me the job. I was emailed the offer letter. I signed and scanned it back to the email I had originally received the offer letter from. After that I was emailed a check with the amount of {$2400.00} on XX/XX/21. I deposited it into my account. And after a few days on XX/XX/21 I had full access to the funds. I then sent different amounts to 2 different emails via XXXX from me online banking app. They said I would get all of my work materials shipped to me after I sent the full amount to he vendor. After that I was told that I was a test to see how well I follow protocol. And they sent me another check for {$2300.00} on XX/XX/21. And said that check would be the second half that is needed to be paid to the vendor for my work materials. But, once I deposited that check the next morning ofXXXX the check was frozen and flagged. My account is now overdrawn by {$2300.00}. And it will not be fully processed until the XXXX of XXXX. After I saw that my account was overdrawn I started to investigate what was going on. I went to the ladys XXXX account, got her email and sent her an email saying that I believe that someone has been using her identity to offer job positions. She emailed me back within about 10 minutes and said that her and her company are aware of a phishing scam happening with offers of employment. 
And my bank ( Wells Fargo ) said they were unable to help me due to me being the one to authorize the payment.