23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX5 USC 1681. 
I 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: Debt collection

this is in another state Delaware I do not believe they are following the the Fair Debt Collection Practices Act, 15 USU 1692g Sec. 8099 ( b ). all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : Equifax, XXXX, and XXXX
Product: Debt collection

Allied Interstate is reporting a {$370.00} XXXX bill with all XXXX credit bureaus. I called XXXX on XXXX/XXXX/15 and spoke with XXXX at XXXX CST. He advised that XXXX does not have validation to send me & that I would have to contact XXXX for that. I spoke with XXXX at XXXX & he stated that I do n't have an outstanding account or balance with them. I 'm curious as to how this debt is validated as mine. Furthermore, I have never received a notification via phone or mail of them attempting to collect a debt from me. I also was not given a chance to dispute this debt. They have made no attempt whatsoever to try and contact me. this is in direct violation of the FCRA. No collection company should be able to take it upon themselves to just report on a consumers credit report. I want this debt validated that it belongs to me or deleted from all XXXX of my credit reports. I am also filing a complaint with the States Attorney 's office regarding this issue.
Product: Vehicle loan or lease

I am also reaching out to rectify an ongoing issue that I am facing, and needed assistance on this matter. Santander Consumer USA recently reported two late payments on my account for XXXX and XXXX of 2022. However, this information is completely inaccurate. In fact, I made several payments in advance back in XXXX, which covered my payments through XXXX. Additionally, it is concerning that this reporting was made almost a year later. I have been in contact with several representatives from Santander, who all acknowledge that there is an issue, but the credit department refuses to correct their decision. Today, I spoke with another representative who agreed that this is an inaccurate reporting, but unfortunately lacks the authority to make the necessary changes.
Product: Mortgage

I applied for a mortgage loan with the Navy Federal Credit Union Bank. 

I got denied. I disapproved what they wrote on my credit report. I want this to be fixed as soon as possible. Thank you Your Credit Score : XXXX Date Credit Score Created : XX/XX/ Range of Possible Credit Scores : XXXX - XXXX Top key factors adversely affecting your credit score : 1. Lack of real estate-secured loan information 2. Not enough balance paid down over time on revolving accounts 3. Balances on personal installment accts too high compared to loan amts 4. Too high proportion of balances from bankcards
Product: Debt collection

I have never done business with Media Collections , Inc Joseph, Mann and Creed. I do not have a signed contract or a verbal agreement with this company. Media Collections Inc, Joseph, Mann and Creed is using the US Postal service to defraud me of money. This is extortion and I will be forced to notify the postal inspectors.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a late payment on my credit file from XX/XX/year>. I've continuously asked TransUnion to verify the information and what process they used to verify the information and they just ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I was approved for a line of credit for TARGET CREDIT CARD. TARGET CREDIT CARD failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. TARGET CREDIT CARD is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but TARGET CREDIT CARD defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. TARGET CREDIT CARD is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from TARGET CREDIT CARD contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to TARGET CREDIT CARD with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Experian is reporting an old account from XXXX XXXX that over seven years and should be removed
Product: Mortgage

On XX/XX/year> at XXXX XXXX., I asked the account manager of my loan to communicate me with his supervisor because of discriminatory comments. At XXXX XXXX that same day the manager did not respond and had to communicate again with the account manger. I specifically asked the account manager for the supervisors contact information to document the incident, but was not given the means to do so. Instead I got a call from the supervisor after my insistence through several messages that day. In the conversation, I expressed that I did not want the account manager nor the processing specialist to handle my case and be transferred to some other team. I also asked him to protect my personal information from further intervention from said personnel. 
On XX/XX/XXXX I was still not given access to the supervisors email or formal written method process to document the incident. In that day I received an email from the account manager with updated XXXX. On XX/XX/XXXX, I communicated with the account manger that I emphatically stated that the information was not to be handled by the account manager or the processing specialist both involved in the discriminatory comments. I proceeded to communicate through the account managers text message, since this was the only way to communicate in writing that was deemed by me to be secure from erasure. Since, I did not receive satisfactory answer, I proceeded to send a letter to the president of the corporation on XX/XX/XXXX after searching for his email online. Since, no communication stating receipt was received, I proceeded to write a letter to the supervisor with a follow up to what was agreed on securing my data against retaliation and compliance process. These letters ( to the supervisor and to the president ) had to be delivered in person since no other alternative was given. Three subsequent letters have been received and only the one by the supervisor on XX/XX/XXXX does it mention detailed actions that will be taken. Still, as of this writing on XX/XX/XXXX there is no communication on the part of Fembi XXXX stating that indeed an investigation did indeed take place and its result ( positive or negative ) nor addressing measures against anti retaliation nor protection mechanisms against further access to my PII. Additionally, in the last letter received from legal, they communicated and disclosed for the first time that a personal electronic device ( phone ) was used to carry official business. On that electronic device privileged and confidential information ( PII ) was disclosed instead of being a secure financial institution communications device which can then subsequently be properly disposed and PII information properly be destroyed. At all times it was assumed that this was an official communications device not a personal device and now they allege that I harassed the employee through his personal device in a cease and desist letter.
Product: Mortgage

About XX/XX/XXXX I called Regions Mortgage to make a XXXX payment directly to the principal of my mortgage. Over 3 times on the phone conversation I stated I wanted the payment to go only to the principal amount. After the representative completed the transaction again I stated so XXXX dollars going only to principal. The call was being recorded according to the representative. I waited until I saw the funds clear from my bank before I called back. The reason for the payment was to bring my total mortgage under 78 % of the original balance of the loan so that the PMI could be removed. I called on XX/XX/XXXX and asked my balance which did not reflect how much it should have if XXXX dollars went straight to principal. The representative informed me that the XXXX payment went to my XXXX bill of XXXX dollars and the remainder went to principal. I explained to the rep that the total amount should have went to principal. The rep informed me she would send someone a request to back it out and then apply it to principal. Instead of waiting on that I told the rep that the {$2400.00} I usually pay for my monthly mortgage payment I wanted to pay that amount to principal. Again on recorded line I was assured that the amount would go only to principal and not towards any monthly mortgage bill. Again I waited for the amount to clear my bank account before calling. Again I asked my balance and was told around XXXX something ( can't remember the amount ) which was still not under the 78 % of the initial loan amount so I knew something was incorrect. I was informed by the rep that the {$2400.00} was applied to my XXXX bill. Keep in mind I made the payment on XX/XX/XXXX, which is not even close to my due date for my XXXX bill. This time the rep told me he would back it out and put it to principal. I asked what my balance was and was informed that I had to give the system time to update. I do not think the errors were with the reps, I think it is with Regions payment system. If I would have never called back I would have not known for a month that the payments were applied incorrectly. Interest on the balance of a mortgage is not calculated at the end of the month, it it calculated daily. That is interest that I am paying, that I should not have had to pay because my balance should have been lower than what it was. I feel that this practice is deliberate and unethical.
Product: Credit reporting or other personal consumer reports

I have reached out several times Equifax and Experian I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never my phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I just recently applied for an XXXX XXXX XXXX XXXX  card. To my knowledge any line of credit Im accepted for should not be used on my consumer report harming me. I would like all hard inquiries removed especially the most recent two from XXXX credit card services and XXXX XXXX XXXX XXXX XXXX. Those are two accounts that I have open and have never been denied for. 

Also I want any social security number that does not end in XXXX deleted they are not not related to me. 

And lastly I would like any address that is not XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is constantly reporting fraudulent information on my credit profile after I've asked XXXX to do an investigation into the fraudulent activity. however, XXXX is verifying fraud with no result on how they did the investigation. XXXX is in violation of the FCRA
Product: Checking or savings account

I was a XXXX  XXXX customer. I became a XXXX XXXX customer for it's excellent software that helped me budget and plan my finances. XXXX  XXXX was sold to BBVA, whose software was okay but lost many features that made me a customer XXXX  XXXX. That same year, BBVA was sold to mega bank PNC. 

PNC 's software is aggressively difficult to use, getting anything done is a slog through a nest of ads, misdirections and counter-intuitive dark patterns. 

Now I haven't been allowed to log into their banking site for a week. 

I did not ask to be a customer of this bank, and now I can not even access my bank account. 

The fact that PNC was allowed to get as big as it did is a testament to the open corruption of this country -- I really am curious how much the bribe to XXXX XXXX XXXX ( I guess we call it a " gratuity '' these days ) from XXXX XXXX was. 

If bribes ( " gratuities '' ) weren't now legal in this country I would say there should be an investigation between XXXX XXXX and XXXX, but the collaboration, conflict of interest and corruption are flagrant and open.
Product: Checking or savings account

I received an unauthorized charged to the account. When I attempted to do a transfer to the new account number, the associate attempted to close the account and open a new one. This is not the normal process for Wells Fargo. I asked her not to do so and to instead do the process I requested. She did not and instead proceeded to close the account and put a hard hold on it. When I attempted to resolve it with multiple associates none were willing to take the steps necessary to resolve the issue. Instead they asked me to go into a branch and open a new account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

I received a letter from LJ Ross on or around XX/XX/2018 attempting to collect a debt from XXXX. I mailed out a letter requesting LJ Ross to provide me with the contractual agreement between LJ Ross and myself on XX/XX/2018. I requested that they send me that contractual agreement within ten ( 10 ) days of receipt. They received the letter on XX/XX/2018 and as of XX/XX/2018 I still have yet to receive the contractual agreement between LJ Ross and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I attempted to get a credit report from XXXX  and Transunion. Both sites displayed a message indicating I had to call them, but attempts at calling were to no avail, and no one answered the phone after more than 30 minutes.
Product: Credit card or prepaid card

XX/XX/XXXX {$120.00} XXXX annual membership fee was paid by Chase visa card ending XXXX. 
XX/XX/XXXX {$120.00} XXXX annual membership fee was paid again by XXXX XXXX card ending XXXX due to the payment made on XX/XX/XXXX by the card ending XXXX could not be found. 
XX/XX/XXXX Filed dispute against Chase XXXX ending XXXX for {$120.00} made on XX/XX/XXXX. 
XX/XX/XXXX Dispute was denied stating that " Our latest review confirms the transaction is valid '' XX/XX/XXXX Visited XXXX Customer Service to get refund at {$120.00} for double payment but the claim was denied due to the transaction made on XX/XX/XXXX has not been posted in their system. 
XX/XX/XXXX Phoned Chase visa card customer service to appeal the previous decision of dispute but denied due to allowed time frame has been past.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account # : XXXX XXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

In 2023, I filed my taxes and wrote a check to pay the IRS. I mailed the check out in the amount of {$460.00} on XX/XX/2023. On XX/XX/2023, the IRS contacted me by mail stating that I never paid my taxes. I told them I did and they replied that they will open an investigation to see if any personal stole my money. I looked up the check online and the saw that someone changed " Pay to the Order '' person from " Internal Revenue Service '' to " XXXX XXXX '' in the amount of {$2400.00} instead of the original amount of {$460.00}. I reported back to the IRS about the situation and the IRS responded that I should report to my bank, Wells Fargo Bank, about the fraud and they will reimburse me back. I scheduled the appointment on the internet on XX/XX/XXXX to meet someone from Wells Fargo at the location at XXXX XXXX XXXX, XXXX, WI XXXX for XX/XX/2023 at XXXX in the morning. That next day my wife and I went to the bank. We spoke to the manager and the manager said that they will report it as fraud. Two weeks later I received a denial letter for the reimbursement. I was then told by Wells Fargo that I needed to make a forgery report from the police department and that it was not Wells Fargo 's fault for this incident. I made the report and the manager made copies of the paperwork, our carbon copy of the original check, and a print out of the forgery check that the bank wrongly process. Two weeks later, I was denied again due to the report being submitted after 30 days from the incident. I tried multiple times afterwards to contact and receive help from Wells Fargo but have been denied multiple times in person and have been transferred multiple times over the phone to multiple departments that would not assist me. After a few months of trying, I was told they would not assist me anymore and will not get reimbursed unless I sued Wells Fargo and good luck with that. Wells Fargo lied to me into believing I would get reimbursed and have failed on multiple steps to assist me before and after the incident took place. The worst part is, I have been a loyal customer for more then 20 years with this bank and was treated unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to post bad information on my credit report. None of my reports say the same thing. The more information I provide the worst the reporting gets. 

I have attached proof that I have been paying my account. 

I will be contacting a lawyer and the AG of Texas about this. This false reporting is causing me hardship. 

1. ( Transunion ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance PAYMENT HISTORY You've made 70 % of payments on time All 2020 payments are reported as LATE. 
Minimum monthly payment {$25.00} 2. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$99.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Minimum monthly payment {$25.00} 3. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Monthly payment {$25.00}
Product: Debt collection

Im not sure who this company is. I paid my utilities through my utility company and I checked my report and saw that this company was negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted USAA multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a USAA member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. USAA has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.
Product: Bank account or service

I lost my debit card and someone made some transactions that was no me and with the bank close my account and im desputing those charges and with i want tham to take that off my record