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

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX This is making me lose confidence in the banking system due to these violations. I the consumer does not grant TransUnion. The permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
DELETED & REMOVE & UPDATED
Product: Credit reporting or other personal consumer reports

on the Experian consumer reporting website, they have my name written in multiple different ways, and none of the names actually matches my birth name that's on my ID card. I have contacted Experian through telephone 4 times in the last 14 months about it but they never fixed it
Product: Credit reporting or other personal consumer reports

I seen on my credit report an unfamiliar account. I noticed that it was something that I never agreed on or participated with
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy 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: Mortgage

I have loans on 2 separate homes that were being serviced by XXXX XXXX XXXX. XXXX still retains the loans but sold the servicing to Midwest Loan Services. The servicing transferred in XXXX of XXXX and that is when the issues started. The original letter was almost like they were going to find a way to get you to pay late. ( I have zero late payments on many, many loans over the last decade ) The letter instructed you on how to mail in a check for payment. ( I don't use paper checks anymore ) I called to find an alternative payment arrangement and was on hold for an hour and when I reached someone they informed me that the loan wasn't in their system yet and to call back. 
Called back several times and was eventually able to get online with my 2 accounts and make a payment on each loan. ( the website and features seem to be from 20 years ago ) I then set up an autopayment. Assuming the autopayment would work and I didn't check that XXXX payments were taken and they weren't. I found out about this by calls from their collections area. A payment hadn't been taken on either of my 2 loans and they reported me late on 1 of the 2 loans ( why 1 of 2? ). I referenced the law that they shouldn't be reporting me late after a transfer of servicing for 90 days and they informed me it was only 60 days. I was able to talk to a supervisor in the collections group ( XXXX ext : XXXX ). XXXX was pleasant enough and was going to take care of things for me. I spoke to him on XX/XX/XXXX. Their system couldn't take 2 payments on each account the same day so I did a payment on each account and he said he would call me back the next day to take the second payment. No call. I called back 2 days later and XXXX said that he got busy. I then made the 2nd payment on both loans online while I was talking to XXXX. He said he would take care of the late payment on my credit since I tried to set it up autopay and their system didn't work. I asked him to cc me on correspondence with the department that was going to resolve it and nothing has ever been emailed to me. He then took all my information down to setup my auto payments on both accounts. Today is XX/XX/XXXX and no autopayments have been taken. 

I would like to be assured that their error on reporting me with a late payment is removed from my credit report and compensate me for the impact that it had to my credit. From my understanding, it never actually goes away once it is reported. I would also like to have my servicing of my loan moved to a company that have systems up to date with today 's technology. 

XXXX XXXX XXXX XXXX XXXX. Loan # XXXX XXXX. Loan # XXXX
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted a representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

This to has been over well over 30 days that I requested the contract while doing my dispute. As in the other complaint this company has never attempted to contact me what so ever. Only reason I knew of this little collection was because I seen it. Im going to give several reasons why this should be deleted but this should be the only one required. I requested information that this company ignored right along with equinox and Experian blessing to violate my rights. Im not sure if this is how things regularly are. Its seems to be that way when they are mine based off the laws set by fair credit act I ask respectfully to delete this. My rights of implanted law 2021 agsin no attempt to contact me what so ever. Law says no contact no report law here in the XXXX. Common sense I would have paid XXXX not to have a collection or a charge off. Denying me of my rights to request the agreement to this credit card.violation close to XXXX months I I have asked for multiple times another violation and the implemented law of 2021. Another violation not just of my rights but also of the law. I hold these reporting agencies Experian and equifax responsible. Of violating my rights and the fair credit act. There main job to report fair and accurately please removed based of the law. This is concerning the credit card kickoff.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX dispute letters were sent to all three credit bureaus Equifax, XXXX, and XXXX. In response, they sent a frivolous letter stating they would not honor the request to investigate the consumer report. In turn, I sent them a failure to respond letter. Now I am initiating a complaint through the CFPB because they did not honor my request to investigate. Because of this it is hindering my ability to take care of my family and causing emotional distress. Based on this incorrect information in the consumer report.
Product: Credit reporting or other personal consumer reports

Hello, These Accounts are STOPING me from ability of getting a new house for my family.

Account name : XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have to right for 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 ) Sections 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 crime 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: Bank account or service

Synchrony Bank Credit Card withdrew {$3800.00} dollars from my bank account, rather than {$38.00}, as they were authorized. When I contacted Synchony, I was told they did not make the withdrawal, a third party did, on their behalf and that I would have to call back in 2 to 5 days to get my money back. They also told me they do not have a complaints or compliance department.
Product: Vehicle loan or lease

In XX/XX/XXXXXXXX  I requested a payoff quote from Capital one, there after i sent lawful tender of the loan. I sent them a letter of defaault and oppertunity to cure aand another letter requesting the 1099c copy they submitted to the IRS with no response as per their terms they will provide the 1099c one they submit it to the IRS under " 1099-C tax form Youll receive a 1099-C tax form for debt forgiveness if you are the primary borrower and have a loan, home equity or credit card account, or are overdrawn on your deposit account, and {$600.00} or more of principal balance is forgiven. Also, if you are a co-borrower, you will receive a 1099-C form if {$10000.00} or more of principal balance is forgiven. '' XXXX XXXX XXXXcapitaloneXXXX On XX/XX/XXXXXXXX  I called and spoke to the recovery manager to request copy of the 1099c and to discuss the forgeries and fraudulent agreement that was sent to me on XXXX XXXX   but she insisted on threatening to have the vehicle repossessed that I need to surrender it. 
Violating many laws. for one 15 USC 1692e ( 4 ) repossessions are illegal in the collection of any debt. 
Reporting Income on a consumers report as the 1099-c is considered income according to the IRS website XXXX This fraudulent loan was already charged-off but Capital one continues to report this adverse item on my consumers report under 15 USC 1681c , Because I have advised Capital One of the laws they're violating and continue to willfully and knowingly violate I do seek compensation under 15 USC 1681n ( a ) ( b ) and 15 USC 1681o ( 1 ). Violating my privacy under the privacy act of 1974 ( b ) conditions of disclosure, Capital one did not provide disclosure notices and I did not provide written consent to disclose my information to any nonaffiliated company like XXXX, XXXX, or XXXX. Violating 15 USC 6802 ( a ) ( b ) and ( c ) not providing required notices to opt out. Furthermore, Capital One violated 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) my finance charge was supposed to include any and all charges but as shown on the documents, I am submitting, I was tricked into putting a down payment of {$1000.00} or I would a have an adverse action of being denied the vehicle. 
I have submitted a complaint regarding to this same issue to CFPB with not solution. I will attach the agreement I signed at the dealership and the agreement Capitol One sent me.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report. Due to a data breach, I am a victim of identity theft, and the accounts and inquiries listed below are unauthorized. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of such fraudulent information from my credit file. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Ocwen did an escrow analysis and decided to increase escrow payment {$38.00} per month, payment increase notification was not received so next month payment ( {$1400.00} ) was sent out and received and NOT applied to mortgage, it was kept in an ocwen suspense account after they took their fees. Loan was then reported as 30+ late for 4 of the next 6 months, causing a large drop in credit score. Additionally, another department in Ocwen was prompted to check the property since the payment was not reported as paid, had an adjuster visit the property for inspection. Adjuster went to the wrong property, took pictures of the wrong house and reported the property vacant. Ocwen received this report, without looking and noticing that the mortgage payments continued to be paid, reported the property vacant to homeowners insurance and requested the policy be cancelled. Policy was cancelled and property was put at risk being uninsured for several months - meanwhile Ocwen continued to receive monthly mortgage payments from homeowner ( no payments were ever missed nor were any payments ever late ) This is even evidenced on Ocwen 's site. Homeowner finally became aware of the issue when Ocwen sent a letter informing that a new insurance policy was needed for the property. Now homeowner had to buy a " non-preferred '' policy as there was a lapse ( without any notification ) and has collateral damage with an approximate XXXX point drop in credit score which negatively impacts the ability to refinance the home, etc. On top of all of this, the Ocwen escrow appraiser did another analysis and found the escrow account to have a {$1000.00} overage just XXXX months after this all started and sent a refund check - clearly stating that the starting event for this entire issue was A MISTAKE. Homeowner has had hours and hours of frustrating calls and sent several letters to Ocwen and Ocwen 's ombudsman office who have failed to repair any of the consequences - they sent a letter to the XXXX bureaus stating that the account was in fact never late in payments but that does n't NOT restore the credit score or repair the financial damage. They continue to send letters stating they are " reviewing the problem ''. They have no incentive to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Southwest Credit Systems added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, Southwest Credit Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6000.00}
Product: Credit reporting or other personal consumer reports

I want fraudulent account deleted from my credit report immediately. This account along with other accounts have been reported/disputed numerous times and my rights under the FCRA are being violated. I am a victim of identity theft and I have provided all necessary paperwork including id theft reports from required government entities, and I have also provided all necessary identification documents. Delete immediately and provide written proof of deletion as well. I will be filing civil lawsuit against all entities involved including the original creditor, the collection agency who purchased the illegal debt, and all the credit bureaus who publish this illegal debt
Product: Credit card or prepaid card

Chase doesn't seem to care about customers and does not read the messages that are sent to them in the secure message center. Since XX/XX/2020 I've received 12 messages from Chase that say the SAME EXACT thing. I've put special statements, questions and inquiries in my messages to them but still received the same message back that does not give any clarification on the matter. It does to seem that a real person is even reading and responding to the messages in the secure message center at Chase because it's the same message. How do I get an actual message back from the company, in writing, on important issues that could affect my privacy, security and credit report? Why is the company ignoring customers and treating them like nothing? Or is it just me? Am I being discriminated against because I speak up and have no problem filing complaints against the company. I've done it in the past and maybe this is their way of retaliating back against me. Either way, whatever this company is doing is unethical and it makes it seem like they have something to hide.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received my loan forgiveness letter on XX/XX/year>. I called XXXX to state that my department of education loans are still showing a balance on my credit report and has not been XXXX out. The rep in XXXX 's credit department stated it should be taken care of in the first week in XXXX and please recheck then. I checked back the first week in XXXX and I am still showing a balance. Moreover, I filed a dispute with the credit bureau in late XXXX and provided a copy of the forgiveness letter and all XXXX did was correct the owed balance. Again, they did not XXXX  out the amount to show it was paid off. When I called XXXX about this, they are now telling me it will take 90 business days to refund me money and to update my credit. This is shocking because this is nowhere in writing in my letter, and I am only being told this because I called multiple times to see why I was getting the run around.
Product: Credit card or prepaid card

I was offered a 1.99 % rate promotion on my credit card balance until XX/XX/2020. I was a little confused by how the offer worked so I contacted AMEX toask a specific question about how this would work with my current and end of XX/XX/XXXX statement balance. I was assured that the 1.99 % rate would apply to my existing balance at the end of my XX/XX/XXXX statement. When I received my XX/XX/XXXX statement I was charged 17.24 % interest so I contacted them to ask why they said that the 1.99 % rate was only in effect for purchases after XX/XX/XXXX ( the day I signed up ). I pointed out that this was not what I was told by the agent on XX/XX/XXXX and they could see it in the prior chat conversation but said that they were sorry for the inconvenience but the prior agent had either misunderstood my question or misinformed me but there was nothing they could do about it. I asked to speak to a supervisor and she basically told me the same thing. I have a long history with this company of paying my balance in full each month so why would I have agreed to pay 17.24 % on this balance? If I needed to secure funds to pay the balance off I would have used my HELOC at a 4.5 % rate. It just does not make sense to me why they would not correct the issue.
Product: Bank account or service

I opened an account online with Chase Bank. I made a few deposits which all cleared. The day my largest deposit cleared Chase froze my account. One XXXX XXXX 2016 I was informed that Chase was closing my account and that a cashier 's check for any remaining funds would be mailed. 
It is XXXX on XXXX/XXXX/2016 and I just spoke with the department at chase which froze my account. I was told that Chase sent out a cashier 's check for {$25.00} for the remaining balance. After arguing with the Chase representative who ( shocker! ) gave me incorrect information the Chase representative put me on hold and came back and said there is an additional {$1000.00} in my checking account that is being held by Chase. I was told that Chase needed to " verify '' the check deposit into my Chase account for {$1000.00} that was written from an account I own at XXXX XXXX. The check cleared on XXXX/XXXX/2016 which is 12 business days ago. I am attaching my last statement from the account at XXXX XXXX which the check was written on as well as a front and back copy of the cleared check as well as screen shots of my online banking showing when the check cleared. I am requesting that Chase immediately release these funds to me in the form of a cashier 's check mailed to my home address which is also the address on the bank statement from XXXX XXXX as well as the address on the check that was written.