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 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.
Product: Credit reporting or other personal consumer reports

Filed bankruptcy XXXX XXXX XXXX XXXX XXXX and it still shows on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I noticed an inquiry from XX/XX/year> from OneMain Financial that I do not recognize. Please remove from my credit reports. Thank you.
Product: Credit card

Experian XXXX XXXX XXXX  XXXX, TX XXXX Dear Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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

I CURRENTLY HAVE AN OPEN ACCOUNT WITH THEM IN GOOD STANDING. 
I HAVE NEVER BEEN LATE HOWEVER THEY ARE REPORTING A 30 DAY LATE O TO THE CREDIT BUREAUS BACK IN XXXX OF 2019 I HAVE TRIED MULTIPLR TIME TO GET THIS RESOLVED BUT THERY ARE REFUSING
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX. I paid this account in full on XX/XX/2024, and made all payments on or before my due date. In XX/XX/2024, I received an Equifax credit monitoring alert that this account was reporting 60 days late for the month of XX/XX/2024. Upon a detailed review of my XXXX and XXXX credit reports I noticed that this account was reporting 30 days late for the month of XX/XX/2024. This account is reporting inaccurately. All payment were made on time. In fact, I paid the full balance prior to the contractual terms. My XX/XX/2024 payment was made on XX/XX/2024. My payments were auto drafted on a monthly basis. 

On XX/XX/2024, I spoke to a XXXXXXXX XXXX representative over the phone to dispute the last payment remarks on my credit report. He identified as " XXXX '' and he informed me that owed {$170.00}. He was unable to explain what the charges were for. However, he told me that once I paid this amount this derogatory information would be deleted from all three major credit reports. The balance was updated to XXXX  and the account now is closed. However, they did not correct the payment for XX/XX/2024 as paid as agreed. Still showing late. I feel deceived and taken advantage of. I fulfilled my contractual obligation ahead of time and this credit is penalizing me for it. I have a recording of the conversation with XXXX and bank statements to prove my on-time payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX 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 an 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 and purpose.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

WELLS FARGO CARD SERVICES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never known as XXXX XXXX. Thats my uncle. You may have mixed-up my file and all my other family members account are on my file.
Product: Checking or savings account

I opened account Huntington bank XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX {$8000.00} cashback {$4000.00}. The next day XXXX XXXX {$580.00} was taken by Huntington  for old overdraft fees 2 yrs ago XXXX charged off debt. Upon conversation they knew funds were from disabilty funds.The fees seem unethical and illegal.
Product: Debt collection

XX/XX/18 Received a call, the lady was extremely aggressive from the beginning of the call. I explained that I don't have the extra money now and I'd be happy to call them when I was able to pay something. She then started to have foul vulgar language so I disconnected the call. I have never been spoken to like that from anyone calling my phone.
Product: Credit reporting or other personal consumer reports

XXXX has violated my rights per 16 CFR 313 and 15 USC 6801-6805. 
In compliance with the Privacy Act of 1974 and 15 USC 1681, XXXX is prohibited from disclosing my transactional history. However, XXXX failed to uphold my privacy rights as outlined in 15 US Code 6801, and I was not allowed to opt out as mandated by 15 US Code 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/2010 its been discharged. Its been over 8 years and XXXX XXXX, TransUnion, XXXX, and the other credit reporting agencies refuse to remove it. I contacted TransUnion and XXXX via internet and phone. Today, I spoke to a person at TransUnion who stated they do not have to remove the bankruptcy, EVER! She also stated that if I was to hire XXXX XXXX XXXX which specializes in credit repair then the deregulatory items on my report would be fixed. I feel that I'm being blackmailed!!! Hire XXXX XXXX XXXX or I will have a bad credit report forever ... I'm wondering if XXXX XXXX XXXX and the credit reporting agencies have come to some kind of financial agreement?! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I attempted to dispute/report fraud on my Capitol One Quicksilver Mastercard . I booked a cruise through travel agent XXXX XXXX of XXXX. Trip protection was also purchased by XXXX XXXX through XXXX XXXX on my behalf. The trip was scheduled for XX/XX/XXXX. Due to unforeseen circumstances, the trip was cancelled XXXX XXXX, and a refund was approved from XXXX XXXX XXXX A refund was never received after consistent assurance that monies were in transit. Through further research, it was discovered that XXXX XXXX filed for bankruptcy and is now permanently closed. 

I contacted Capitol One multiple times to resolve this issue to no avail. During these phone calls, I requested to speak with additional managers and was refused. The trip was booked approximately one year in advance ( beginning XX/XX/XXXX ), limiting ability to report an issue within an immediate timeframe. Reporting of the issue was also further delayed due to correspondence that a refund was expected, but was untrue. Per the Capitol One website, it is stated that claims can be filed at any time. I have reached out to the merchant multiple times to resolve the issue to no avail due unresponsiveness. Capitol Once continues to say that my claims are out of a 60 day timeframe but website says they can be filed at any time with no time limit shown. Capitol One has continuously denied claim despite company/merchant filing bankruptcy. I have been scammed out of approximately {$1700.00}. There should be measures in place for circumstances such as this, especially in the event of a company filing for bankruptcy leaving the customer with no options. 

All in all, I would like to emphasize that I am requesting a full refund of all charges related to XXXX. XXXX XXXX was purchased through XXXX XXXX, of which is now permanently closed.
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 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies have accessed my credit report without my authorization, which has negatively impacted both my credit and my credit score. I previously contacted Experian, and a representative assured me these inquiries would be removed ; however, they still appear on my report. The presence of these fraudulent and unauthorized inquiries is causing me significant XXXX as it raises concerns that I may already be a victim of identity theft. This situation has added unnecessary stress to my life while continuing to harm my credit score.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 XXXX XXXX XXXX ( XXXX ) ( b ). 
And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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.
Product: Mortgage

It 's quite simple. I held a junior mortgage secured by a residence where the borrowers ( XXXX and XXXX XXXX ) voluntarily said they could no longer make payments. With their consent and support, I foreclosed and was given a deed by the XXXX, but of course it was subject to the First Mortgage serviced by Green Tree Mortgage. Both myself and my attorney have been trying to get a payoff letter from Green Tree since XXXX XXXX. We have sent numerous e-mails, letters and left voice mails. We have contacted the attorney for Green Tree who is handling their foreclosure proceedings. We have indicated our desire for a payoff letter and our intent to wire transfer the full amount the same day we receive the payoff letter. That attorney, and Green Tree refuse to respond. Every day they hold on to their mortgage costs me money. Furthermore, they will obviously refuse to release them mortgage until they are paid in full, so I am obligated to pay for their " expenses '' of foreclosure including their attorney 's fees. So every day that goes by, my pay-off will be larger due to both accruing interest and their attorney & collection expenses. I believe this is nothing short of extortion. Their claim is that they can not provide me a payoff because I am not the borrower and there is a " privacy '' issue. But attorneys call mortgage companies every single day to obtain " payoff letters '' when an individual simply wants to refinance their note with another institution. This is no different. I simply want to pay them off, in full, as quickly as possible. 
I have intentionally omitted all names and personally identifiable information. But if you contact me, I would be happy to provide it in a secure manner so that you can help me. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Those Accounts Are Not mine, I never authorized those Accounts to be opened. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED, IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
Product: Mortgage

I contacted my Mortgage Company ( CitiMortgage ) on XXXX/XXXX/XXXX to Refinance my home, as they held my home Mortgage since XXXX, and I needed to start some home improvement. 
Within few minutes I was Pre approved for the amount of {$210000.00}, as the loan process started I complied in full with the documents they required. After my home was appraised for {$410000.00} higher value than what I originally assumed ( Citi chose the appraiser, and I paid Citi for that ) they came back asking for more documents. after weeks of uploading more documents to their web portal, I waited for another week and requested an answer, on XXXX/XXXX/XXXX I received an Email from yet another processor asking to upload more documents. Yet I have no answer of whether the loan will ever get approved.
Product: Credit card or prepaid card

I am filing this complaint against Synchrony Bank. Below is an explanation of what has been happening. 

I have a checking account with XXXX XXXX XXXX that was compromised and had to be closed. As a result, payments were returned from the closed account, and there was a lag in getting the payments re-submitted from my new checking account. 

Synchrony Bank, which controls a number of my store-based credit cards, closed ALL of my accounts, as a result of a returned payment for XXXX of them, XXXX XXXX XXXX XXXX XXXX XXXX ever contacting me. I got the first official notice of multiple account closures, by Synchrony Bank, via regular mail, over XXXX week after the accounts were closed. 

The bank, as per XXXX of its phone agents, went on the assumption that I, the account holder, was trying to engage in some type of fraudulent double-paying? scam. There was NO COMMUNICATION, to me, from the bank, until I received paper mail notifications, of each credit card account closure, to reiterate, OVER XXXX WEEK AFTER THE ACCOUNTS WERE CLOSED. 

This behavior, and the assumption that I was engaging in some sort of fraudulent activity, is particularly egregious because I have, in the past, almost always paid on time and in full. My XXXX XXXX, depending on which reporting service one uses, is between 750-800, and I should have been given, at the very least, an opportunity to discuss my situation with the bank, before they summarily closed ALL of my store credit cards that are controlled by Synchrony.
Product: Debt collection

I had an illness that required care and I did not have health insurance at the time. This left me with a {$2600.00} medical bill. After missing payments on it, it went to XXXX or Health Services Asset Management. Upon receiving a letter from them I spoke with a representative there to set up payment arrangements. I was told the lowest monthly payment I could make would be {$200.00} XXXX which is still quite high for me XXXX. It was XXXX 2017 since I have been paying this amount. I did not receive monthly bill request by mail. I was instead instructed to pay the previously stated {$200.00} " around '' the XXXX of each month. I twice had paid them on the XXXX and they said it was no issue. Well last month I was a little later then the XXXX and I finally received something in the mail from them. It was an order to pay the entire amount of {$2300.00}. I was in shock how my {$2600.00} bill could still be so high! I had been paying on it for XXXX months. Upon looking at the bill it stated that of the {$200.00} I am paying every month they are charging {$140.00} in interest. Meaning only {$60.00} of the {$200.00} is going to principle. This interest rate seems EXTREMELY high. How can this be legal?
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquires on my credit file XXXX XXXX XXXX XXXX XXXX neither did I authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with XXXX XXXX, Elan Financial, nor XXXX, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, XXXX XXXX has reported a 30 day late on our account to the 3 credit bureaus, and neither Elan Financial nor XXXX will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks ) will most likely be to file a class action lawsuit. 

Thank you for your help.