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

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$5000.00} XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$5100.00} XXXX  XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following accounts XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Hello I'm XXXX XXXX and I own XXXX on a XXXX XXXX  service in XXXX XXXX  I opened up a venmo account so customers can pay me I started trading cryptocurrency on venmo venmo has suspended my account because they need my proof of identification. I had put money in cryptocurrency because it was going up but now it is declining and I can not withdraw any money because my account is suspended. They're telling me I have to wait 7 to 10 days Will in 7 to 10 days I might not have any money left so I was wondering if this was illegal how can you allow someone to trade on your platform but then you block them to where they can't get the money out and they lose their money. Do Not Trust Venmo
Product: Bank account or service

Citibank refuse to honor a promotional which said that they would give XXXX thankyou points after completing requirements. After confirming with representatives that I had in fact completed all the steps, I was denied the promotional points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I viewed a report that Equifax had not protected consumer information and was victim to a cyber attack. Using the website XXXX I was informed that my information was subject in this attack. Equifax should not have allowed my information to be gathered as I will now be subject to identify fraud and identity crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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: Debt collection

Ally financial have a premium insurance on that protect the lender from default so when therea default they had already collect full payment from insurance XXXX and yet deceptive the consumer to owe the debt which they already collect from their premium insurance and write off tax and yet repossession andXXXXresell and make more money off a consumer 5x the value of thr car Voilate the fair debt collection act
Product: Credit card or prepaid card

You have violated The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010  ) ( FDCPA ) & the Fair Credit Reporting Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ( FCRA ). 
( TITLE 15 ) 15 U.S. Code 1681, 15 U.S. Code 1692, 15 U.S. Code 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed those inquiries below, which I dont recognize and I would like them to be deleted from my report. See attachment. Inquiry details XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXL XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

Complaint against Hyundai Capital America, Account # XXXX To Whom It May Concern : This letter is to dispute the inaccurate and negative information Hyundai Capital America ( XXXX ) furnished to the three ( 3 ) Credit Reporting Agencies ( CRA ). Hyundai Motor Finance violated my Fair Credit Reporting Act ( FCRA ) rights which are listed below.

1. FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) 2. FCRA 623 ( a ) ( 8 ) ( E ) and 623 ( b ) ( 1 ) ( E ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) and ( b ) ( 1 ) ( E ) 3. FCRA 623 ( a ) ( 6 ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) 4. FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ) HCA is reporting my account as being charged off instead of account closed. Traditionally charge-offs occur when a customer is at least XXXX days late paying their bill. As you can see from the payment history provided, I have never been 120 days past due. Lastly, there is no indication that XXXX sold this account to a debt buyer or transferred the account to a collection agency. If so, I would have been made aware by the collection agency that my account was delinquent and given an opportunity to resolve the matter. This did not happen. 

XXXX is reporting that the 1st day of delinquency is XXXX. This is inaccurate! Based on my payment history, all payments were made consistently each month. Enclosed are bank records and Hyundais monthly statement showing that I made a payment in XXXX and XXXX. 

On XX/XX/2023, I sent a dispute letter to all three ( XXXX ) credit bureaus informing them of the inaccurate information that was placed on my credit report. XXXX updated my credit report, which still reflects a charge-off and a false delinquency date. 

It is my hope that after your investigation : XXXX. My XXXX account will reflect a closed account instead of a charge-off, and XXXX. The delinquency date be removed, and all payments updated to reflect paid on time. 

XXXX has a grave responsibility to report true and accurate information on a consumers credit report. The inaccurate reporting charge-off has lowered my credit score and decreased my credit score and buying power. I am in arbitration with XXXX because they have violated other laws as well. I have attached a detailed timeline for your reference, which will provide you with more context. 

If you have any questions or concerns, please feel free to contact me via email or my cell at XXXX.
Product: Credit reporting or other personal consumer reports

This company continues to violate my rights as a consumer by reporting this account to my credit which I have no knowledge of. I have tried to communicate with this company many times and they have failed to respond or provide any proof that this debt belongs to me. I am unaware of this debt, I did not have an opportunity to dispute this information, if in fact they believe they gave me proper notification then please have them send me the certified receipt with my name on it. I want names, phone number, address and email address for everyone who allegedly validated this debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a credit alert from Equifax that a new line of installment loan of {$300.00} was opened in my name and my credit score dropped by XXXX points as a result. Due to this information, I activated a credit fraud identity alert to all the credit reporting agencies and also put in a freeze in my credit report to ensure no unauthorized loan is opened in my name until this issue is sorted out. 
I later reported the issue to XXXX XXXX XXXX XXXX about an unauthorized installment account that was opened in my name and that they should investigate and removed that account from my credit report since it is an unauthorized and fraudulent account. To my surprise, XXXX XXXX XXXX XXXX reported back to me through email that they have concluded their investigation and the account was reported correctly ( see attached ). 
I have issued another complaint to XXXXXXXX XXXX XXXX with more information but they still not willing to close this account and report back to the credit monitoring bureaus so that it can be taken off my credit score. 
Please kindly assist in this regard. Thanks
Product: Mortgage

I applied for a loan modification and send in all required items. On XXXX I spoke to fay for an update and they said my file is still in review for a loan modification. They advised me a letter was sent out on XXXX. I never recieved the letter and I have called in a few times yet not one person botherted to infomr me that I needed to send in updated pay stubs. I sent in the requested pay stubs but the issue I have is as follow- Fay Servicing is Dual tracking. My file is in review for a loan modification and has not been approved nor denied. Yet somehow I have a sale date scheduled for XX/XX/XXXX. " Dual tracking '' occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. 
I called XXXX XXXX/ XXXX  XXXX , the foreclosure attorney on XXXX and they advised me that the sale date is indeeded set and there is no hold. They also stated that they looked into their internal system that they share with Fay and they are 100 % sure the file is active and set for sale. I advised them that my file is in review and they stated they would send an email out to fay to inquire about the situation. 
Since the adoption of the Homeowner 's Bill of Rights in XXXX, California law prohibits dual-tracking. I have been given inaccurate information when I call in to Fay servicing. I did not know that pay stubs needed to be updated.The postal service has been extremly late with my mail. It is infuriating that since this so called letter was sent out, none of the reps felt the need to advise me of any missing items. 
I am demanding that the sale date on my home be postponed as Fay servcing is conducting illegal foreclosures and are not properly handing my file..

Federal Law Prohibits Dual Tracking. The Consumer Financial Protection Bureau ( CFPB ), which the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 established, issued mortgage servicing rules that, after being codified into federal law, went into effect on XX/XX/XXXX.
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

REGIONAL ACCEPTANCE ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX, XXXX XX/XX/2022 XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2022 I was notified by my bank of unauthorized charges by the company Upgrade that deposited {$9600.00} into my bank account. I went to the bank and they sent the money back. There were a few checks that were written so the account was to be closed 5 days later. Two days later Upgrade 's subsidiary company XXXX XXXX accessed my account and withdrew {$5200.00}. I went back to the bank and they immediately closed the account and reversed the withdrawal. I filed a police report on the same date. I then started receiving emails and letters from companies stating I had asked for credit cards and loans. I went back to the police department and amended the report to include all of the unauthorized inquiries on my credit history. I contacted everyone that sent me a letter and provided a copy of the police report. I contacted the Credit Bureau and had a freeze put on my credit history. I also contact the Social Security Administration office on XX/XX/XXXX and put a fraud alert on my social security number. Below are companies that have requested inquiries and credit in my name : XXXX XXXX XXXX XXXX  XXXX by XXXX XXXX - Notified XX/XX/XXXX did not apply for loan and to flag as fraud. 
XXXX XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card or loan and to flag as fraud. 
XXXX XXXX XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card and to flag as fraud. 
XXXX XXXX - Notified XX/XX/XXXX did not apply for credit card and to flag as fraud. 
XXXX - NotifieXXXX did not apply for a loan. 
Upgrade - Notified XX/XX/XXXX of unauthorized deposit in bank account. Notified XXXX and XX/XX/XXXX did not apply for loan. Provided Drivers license to close account and flag as fraud. 
XXXX XXXX XXXX  - Notified XX/XX/XXXX did not apply for bank account and to flag as fraud. 
XXXX XXXX - Notified XX/XX/XXXX did not apply for account, close, and to flag as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX, XXXX Balance-
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was used by XXXX in XX/XX/ for a background check/credit check for a job I was applying for. The information that they provided was inaccurate and caused the only delay in my processing. I have disputed these items and Equifax has not properly investigated these errors as required by FCRA. The most recent dispute was verified as accurate on XX/XX/. As the documentation attached will show the disputes are based on information directly from their report but that can not be verified as accurate as I have outlined. Equifax is in violation of the following Reinserting or reporting a previously deleted item without notifying me in writing within 5 business days of the reinsertion ( XX/XX/ & XX/XX/ ) Reporting the status of an account as a charge off when it is paid in full ( XXXX /XX/XX/ ) Willfully and recklessly reporting false info after being notified of the error and failing to investigate or correct the error as stated in my previous complaint Equifax must open an independent investigation and reinvestigate these items as required by FCRA XXXX 
Equifaxs failure to comply will lead to additional complaints being filed with regulatory authorities and other legal options if necessary.
Product: Debt collection

I received my consumer report in XXXX of XXXX and noticed inaccurate and falsified information reported by the company, Account XXXX XXXX XXXX, ARS. As a result, on XX/XX/XXXX, I informed the company by mail that the information being report was incorrect, with no avail. I reached out multiple times after XX/XX/XXXX, on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following consumer reporting agency is furnishing inaccurate information and accounts. Please remove the inaccurate information and accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act WESTLAKE FINANCIAL SVCS Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

Good day, this is XXXX XXXX. I received an alert today from XXXX stating that Southwest Credit Systems has filed a Collection/Chargeoff on my credit files. I contacted Southwest Credit Systems and spolk with a lady named XXXX. She was very ruled and stated that she did not have me in her system but kept asking me for my Social Security Number. I never received any notice or infromation from this company letting me know that I have an outstanding bill. XXXX was threating me with filing a Court Case and stated that she will continue to keep this account on my files.
Product: Mortgage

We received an agreement for a principal reduction provided our payments were made on time. We have complied with the agreement and now they refuse to apply the principal reduction. I contacted the loan servicer ( Nationstar Mortgage ) and now they say the principal reduction was denied despite my agreement to the contrary.
Nationstar Mortgage Acct.   XXXX   Balance :   XXXX    Interest:2 % ( unitl 2020 )
Product: Credit card or prepaid card

My synchrony card for XXXX XXXX had brought down my credit limit from XXXX to XXXX. I owed XXXX at the time they did this. One week later my promotional Purchase ended which resulted in a fee of over XXXX dollars and now has put me over the limit. I have one other promotional fee on this account and that ends in 60 days so I  know that there will be a large fee from that also. So my Credit report will show I am over the limit on this card. It will take me a while to pay down XXXX and this will sit on there for a while. 

I also think the fees on each purchase is very high. 

Thank you XXXX XXXX XXXX
Product: Debt collection

I have no knowledge of this company or alleged debt. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit card

Company ( Bank of America ) promised a refund of {$4400.00} to my checking account on XX/XX/XXXX for a duplicate misapplied payment. I was originally told it would be 7-10 days, then I was told 30 days. Today ( XXXX XXXX ) I was told it should be in my account in XX/XX/XXXX.
Product: Debt collection

LVNV Funding/Resurgent scheduled a judgement hearing without my knowledge. Additionally have sent it to XXXX different attorneys in XXXX different states. I found out about the judgement through an attorney advertisement stating a judgement has been filed against me. I have asked LVNV to verify/validate this so called debt I owe under the FCRA Laws and LVNV is unable to rightfully validate/verify what this so called amount I owe. Their false reporting and filing of judgements has caused severe hardships for myself and my family. I have asked them to remove from the credit reporting agencies since XXXX XXXX, 2014. They repeatedly send the same nonsense paperwork stating this has been properly validated. They admitted to sending the judgement to a wrong address they had as my address. This is not my debt I have never lived at the address they say. This company should be reported and stopped from harming the United States public. additionally ruining lives and harming families. Also LVNV is in violation as re-aging the account. Not reporting the accounts to the CA 's each CA report shows the account as different types, dates, amounts etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is telling Equifax the account was closed on XX/XX/XXXX but telling XXXX it was closed on XX/XX/XXXX. XXXX is reporting to Equifax that I made payment in XXXX, XXXX, and XXXX of 2020 and then says I was 60 days late in XXXX. 

How did XXXX close my account on 2 separate days? 
How can I make payment 3 straight months and then the following month be 60 days late?