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, has violated 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 card or prepaid card

I mailed a letter to Chase Bank on XXXX XXXX requesting a full audit trail, and material disclosures for the alleged account. As of XXXX XXXX no supporting documents have been received.
Product: Debt collection

A payment was missed because it went to the wrong bank when it was scheduled for a payment date. the date it was to be paid was by XX/XX/year>. When my payment did not reach the bank it was intended for, I received a text that an attempt is being made to collect a debt from Synchrony Bank. I called that bank & they said they did not receive it. I explained that I had scheduled it to be paid before the due date. They told me to look into it & I did call my bank. My bank did pay it but it went to the wrong bank. They investigated & found it so they were to send it to that bank & it could take up to 4 days. Now the first text from Synchrony Bank was on XX/XX/XXXX, then another on XX/XX/XXXX. I also received emails that I was late & overdue. I had contacted them on XX/XX/XXXX when they texted me it was late. They knew it would take a few days for this but they are still sending me emails about it. It feels very much like harassment to me. This bank is relentless. Today I received another email that it is overdue. After this I am considering closing my account because i do not like the way they handle problems.
Product: Credit card or prepaid card

XXXX  reported that date of last payment is XX/XX/2018 but XXXX  and XXXX  reported that is was XX/XX/2018 also XXXX  XXXX  and XXXX  all reported different last active dates. If this information is correct all information should be the same. I request that this should be deleted off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 signed up for a XXXX XXXX through Barclays back in early XXXX. I was told I was accepted, but I never got a card. I called I think on XX/XX/XXXX after I never received it and they said they would send another one. I never got that as of today which is XX/XX/18. I called twice today and without warning was cut off and sent to another department. I called a third time and asked for management which they would do until I threatened that I would get hold of the CFPB. I asked them what they had for my address and they wouldn't give it to me. I had given them my DOB and last four of my Social Security number. I was also told on my call back in XXXX that I still had to spend {$1000.00} by the time I was approved not whey I received my card. It has been two months since I applied and I had also flown XXXX again and I couldn't use the card which would have me about {$700.00} of the {$1000.00} I needed! I have never been treated so poorly by a financial firm ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a victim of XXXX XXXX There are accounts on my credit report that is wrong and that was not opened by me. My credit information was stolen and someone took my social security card and personal information and opened up accounts. 

My social security number is XXXX. 
My date of birth is XX/XX/1987 I want to dispute all information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Checking or savings account

I have many personal and business accounts with Wells Fargo. My business accounts are no longer accessible online. I was informed via a message in the message center that my account ending in XXXX was closed on XX/XX/year>. I did not close this account. The message says that I could continue to view Statements and Documents for this account online for approximately 90 days from the date the account was closed. The statements are not available as mentioned when accessed on XX/XX/year> so I can not confirm the amounts they held at closure. I have no other emails or communications from Wells Fargo regarding this account being at risk of closure for any reason.
Product: Mortgage

This is one of 20 plus faxes i have sent! B of A said denied due to income, and was asking for mom deposits of {$500.00} per month, didnt use first time so refaxed with the {$500.00} and had to add her on, every time i call say one thing and another, called today XXXX-19 now says to date RMA AFTER THE 3RD! AND KEEP ASKING FOR PROOF OF HARDSHIP IS INCLOSED! WHAT TO THEY WANT already called a HUD number that was give said i qualify called XXXX company said i qualify but bank has to approved! AFTER FAXING OVER 20 TIMES!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been back and forth with XXXX about unauthorized inquires being reported on my XXXX credit report. I have written them 4 different letters requesting that they be removed to no avail. Since XX/XX/XXXX, I only recall authorizing 1 inquiry into my credit and that was from XXXX XXXX Visa in XXXX. The following inquires have been disputed as unauthorized several times and remain on my XXXX  credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Dual XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX I do not recognize these inquires, the company associated with them, any firm offer of credit with them, or any account that I hold being associated with them.
Product: Debt collection

On XX/XX/XXXX I have learned that I am the victim of Identity Theft and had to correct entries on my credit reports. At that I also pplaced fraud alerts and credit freezes on my reports. On XX/XX/2019 I was alerted to another derogatory entry on my credit report by Wakefield & Associates. On XX/XX/2019 I contacted Wakefield and attempted to explained what has happened the first person i spoke to, XXXX, staed that he could not help me and asked me to cal client services @ XXXX. When I called this number and spoke to XXXX, she told me that she did not help consumer, only clients and then hung up on me. My third call I spoke with XXXX and asked to speak to a supervisor, which was XXXX XXXX. Mr XXXX told me that he woudl be able to locate my account based on the last 4 of my SSN, then he told me he could not and he needed my entire SSN because he did not want to look through all the account to find the one with the last four. Then he proceeded to be very high pressure trying ot gain additional information, when it is I who needed the information and I clearly explained this was identity theft and I would be filing a police report. XXXX remained to be very combative and not very helpful. Wakefield & Associates has made no attempt, prior to 'my '' contact, to contact me even with a fraud alert placed upon my credit report. On XX/XX/2019 another derogatory entry was made by Wakefield & Associates against another credit reporting agency as well as an incorrect address, despite my conversation with Mr. XXXX on XX/XX/2019 and without verifying if the address they were reporting was correct or not. On XX/XX/2019 I have filed a police regarding this debt ( Calfin Police Dept Case Number XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting as a collection item, with a current balance. This account is not my account has not been verified and not accurate. With each Bureau it shows a different amount and starts and stop date. Fields 17 and 12 have information that does not match. Most important this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by XXXX XXXX XXXX. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX, XXXX  and Trans Union respectfully. XXXX may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX
Product: Student loan

According to my credit report, the private student loans held by Navient have been closed and charged off but when logging into the Navient account, they still show up and they are reporting payments. If Navient has sold these loans to XXXX of Ohio, then when I log into my Navient account, it should show that they have been paid off not a balance. We are paying a down payment of {$1000.00} and payments of {$250.00} to XXXX of Ohio which are then being sent to Navient. 
According to the XXXX credit report, these loans have been charged off as bad debt on XXXX XXXX, 2016 but in my Navient account, it shows the next payment being due XXXX/XXXX/16.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. TransUnion has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! TransUnion has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of accounts on my credit report by the three major credit bureaus : XXXX, TransUnion, and XXXX. I believe that these reports contain accounts that do not belong to me, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my efforts to resolve this matter directly with the credit agencies, including multiple requests for debt validation, I have not received any satisfactory responses or documentation confirming the legitimacy of the disputed accounts. As a result, I am reaching out to you for assistance in rectifying this situation. 

On XX/XX/XXXX and XX/XX/XXXX dates of my communications with the credit bureaus ], I submitted requests to each of the credit agencies, asking them to validate the accounts that I believe are erroneously attributed to me. I provided all necessary information and documentation to support my claim ; however, I have not received the required debt validation reports, nor have I seen any action taken to remove these inaccurate accounts from my credit file. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I am requesting that the credit bureaus provide a wet signature or original documentation as proof of debt validation for the disputed accounts. A wet signature is crucial to verify the authenticity and accuracy of the claims against me, and I believe it is my right to request such proof under the FCRA. The absence of a wet signature or valid documentation should lead to the immediate removal of these accounts from my credit report.

The presence of these accounts on my credit report is adversely affecting my credit score and overall financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that my rights are upheld by the credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX Flag Star had added my spouse to my account without my consent. I explained to Flag Star that my email and my mailing address was changed. They allowed my spouse to get personal mail until XX/XX/XXXX. Statements and financial documents to resolve mortgage payments wasnt sent to my mailing address that was changed XX/XX/XXXX. My contact information was change email and phone number. I currently can not login to my account because my spouse has her email address XXXX as the email. My spouse has temporary possession but not the owner or on the contract. The court documents states temporary possession. I have sent a letter XX/XX/XXXX to request her removal from the account and Flag star has refused to remove her. I call XX/XX/XXXX to request her removal. The contract and any other documents that my spouse has access to is a violation of the privacy act XXXX she isnt on any documents. These documents have my social security, bank account information loan number, other personal information which is a social security violation. Flag star as a financial bank has released sensitive documents that doesnt pertain to my spouse. Flag Star didnt contact the account holder my self to confirm consent. There is no court document that gives any person the right to access your personal information and data. My spouse isnt part of the home owner insurance as the owner. Flag Star is the only Financial Bank I am having issues with. I explained to Flag Star that in Georgia it is illegal for anyone to access any account without permission they refused to apply to the law. I had explained I will file a civil suit against them for allowing this action without getting clarification either from the court or myself. Flag Star has took it apon themselves to add my spouse. I also said I will be contacting the VA, Attorney, FTC
Product: Mortgage

We were impacted by XXXX and struggled to pay our mortgage. Within 30 days of default, we contacted the loan servicer to help with XXXX, maybe 2 months of forbearance. The company purposely delayed the process by more than 90 days by stating that they were missing documents, even though we had email and fax proof that those documents were sent and received timely. Furthermore, they were not willing to speak with us over the phone and insisted that the only way to resolve the issue was to schedule an appointment with the Relationship Manager. Those appointments were made out over 30 days, yet the relationship manager did not appear for those scheduled calls. Once we realized that they were circumventing the process to purposely delay the process, we began making payments, but they refused those payments- causing us to fall further behind. 

Finally, they submitted a modification denial letter stating that we were more than 90 days behind on making our payments, yet we were only behind because they failed to review the process in a timely manner. Furthermore, they used incorrect values in the net present value computation. Even though we provided certified appraisals that discredited their " drive-by '' valuation, they still refused to review documentation timely, if at all. 

They often kept us on hold for up to XXXX hours, then would disconnect the call, refused to speak with us over the phone, insisted on scheduled appointments that were more than 30 days out, and led us down a path of despair and a deliberate nightmare to refuse to negotiate in good faith.
Product: Credit card

I am writing to formally dispute a charge on my Macy 's credit card for a purchase that was delivered to an outdated address in New Jersey. I moved to New York four years prior to this purchase, and my current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX. 

I have contacted your customer service multiple times regarding this issue, and I was assured that the amount would be refunded. However, a few months later, I received a bill that included the original charge, three instances of interest on it, and a late payment mark on my credit report. 

Despite my repeated explanations that the purchase was sent to an address in New Jersey where I haven't lived for years, and that I have not received any items from Macy 's, the issue remains unresolved. I have no connections in New Jersey and did not receive anything from Macy 's at that location. 

I am requesting that this charge, along with any associated fees, be completely removed from my account and my credit report, as I did not receive the purchased items and was previously informed that the refund had been processed. 

Thank you for your prompt attention to this matter. I look forward to your immediate resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I spoke with XXXX from Equifax and she explained a service was offered back in XX/XX/XXXX for free Complete credit monitoring for a monthly period and it would cancel automatically. I contacted Equifax immediately in XXXX of XXXX and requested a cancellation and my card information to be removed. Equifax began charging my card XX/XX/XXXX for {$12.00} for a total of 4 months equal {$51.00} and switched it to a XXXX for {$17.00} and charged me and additional {$390.00} stating it would cover 22 months. I have been charged a grand total of {$440.00} I had no knowledge of this and I was told by XXXX at Equifax she could only dispute. She stated she has cancelled the subscription and if I am disputing the charges as unauthorized I would have to speak with my banking institution and she said her floor supervisor was not on the floor to offer me any credits back and she could only apologize to me for the inconvenience. I am furious. Especially with the recent breach. I need to be fully refunded for this as this is theft. My banking institution has been notified, blocked the merchant, however the bank advises me to contact agencies for assistance with holding Equifax accountable. I event went to the website and entered my social security number, last name, and they could not access an account. I took a screenshot of that for my records. I asked if they could tell me the last time the account was accessed since and XXXX told me she could not provide me with the information. She said she could only provide me with the account payments for the free credit monitoring and she was also unable to tell me how the services were upgraded from the {$12.00} to the {$17.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple request to equifax and haven't received a response in regards to my inquiry disputes.
Product: Vehicle loan or lease

On XX/XX/XXXX the primary on the car loan reached out to Credit acceptance to have a payment plan set up due to a financial hardship. They agreed to the payment plan, and we asked if it would affect the credit which we were told no it would not. I as the co-signer have been monitoring my credit report since XXXX when I got a notification the account went to delinquency. I filed a report with them that this was incorrect not only were we told that it would not affect my credit but also the amount owed. When myself as the cosigner saw the delinquency, I went ahead and paid it fully the total amount was XXXX and some change on the credit report they reported it as XXXX. Which is fully incorrect information. When i filed with Credit Acceptance they claim it is fully correct to report the false information along with a delinquency
Product: Checking or savings account

On JXX/XX/XXXX I started working for a company that sent me a fake check. On XX/XX/XXXX I went to Bank of America in XXXX, WA ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) to cash the check having no idea what was happening and the bank closed my account immediately without even notifying me. When I went in to ask about my account they just said " I am sorry you committed fraud and will not be allowed in a bank of America establishment. '' I was XXXX XXXX XXXX at that time with no intention of ever committing any fraud. 

They wouldn't work with me to help me sort out my issue. Just XXXX all my accounts, sent my balance in a check and never helped me with anything. I tried going to the same location to find answers and they were not helpful whatsoever. 

I went next door to XXXX and they opened me a checking account without any questions so I didn't even know I had a block on my account until last week. Now I am married and tried to get an account with my husband and XXXX XXXX denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX, XXXX account partial account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX. XXXX partial account number XXXX, XXXX Department of Social Services account number XXXX, have all violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.