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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a notification on a social media service called XXXX. My friend, who I haven't talked to in two years, messaged me saying that they accidentally reported me to XXXX, and that I need to fix the claim with the moderators. In the message, they gave me the name of the person I needed to contact, as well as the claim number. I added the moderator on XXXX, who went by the name " XXXX XXXX. '' He said that they were investigating the case, and wanted to confirm that my bank account wasn't involved in any illegal activities. In order to verify, they had me connect my XXXX account to XXXX, which is a money wiring service owned by XXXX. They promised me that they would send all the money back to me once their verification process was complete. They had me send {$7000.00} through my XXXX checking account and {$1000.00} from my Discover credit card. They were able to see my bank accounts, and saw the amount I had in my savings, which was put aside to pay off my student loans and apartment rent. After maxing out my debit card, they wanted me to call XXXX and say that I need to expand my spending limit to the max amount. I was told not to say what was going on, or else they will say it's a scam. I called XXXX and asked to expand my spending, but was denied because I didn't have the amount in my account needed to expand the limit. I called XXXX a few times during this time explaining what was going on, not sure if it was a scam. After a failed wire transfer through the XXXX website, I ended the scam, and called XXXX asking to close all my accounts and cards I have with them. I went to my local police department and filed a police report. I printed out the receipts with the names of the people that received the money, how much money they received, and the bank number that is associated with them. I currently filed a claim with XXXX that they are still investigating. I also called Discover to close my accounts with them. I asked if there was a way to suspend the transaction. They refused, saying that it's a pending charge, and I can't dispute anything until a charge was processed. Once the charge was processed, they refused to file a claim because I " authorized '' the transaction. I was told that the transaction was a " push authorized transaction '', since I was forced to authorize them against my will. I continued to call frequently asking to file a claim, with their response being no, since the charge was authorized, despite the fact that it was a scam. I asked for financial assistance since I am a full time XXXX XXXX with a part time job and full time internship. They said no because my Discover card is linked with a XXXX  account, so I am denied assistance with paying off my card.
Product: Debt collection

XXXX XXXX from National Enterprise Solutions called me at XXXX exactly speaking very aggressively. He asked to speak to me several times, I said yes how can I help you several times. When I said sir I have said how can I help you several times my voice is horse what do you want. He became irate, yelled at me and hung up the phone on me. He needs education. I answered. I proceeded with the conversation if I was going to resolve a debt I for sure would not do it with someone so aggressive! He is not allowed to call me anymore or I will personally file a restraining order against him. I am a young women he needs to learn how to speak to women.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX ] are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 

Check The Attachments Below
Product: Mortgage

This is regarding my loan account ending in XXXX with Cardinal Financial. They closed my account without my permission. They are now requesting a deposit to reestablish it, I refuse to pay a deposit. Also they are transferring it to XXXX now without solving the issue.
Product: Vehicle loan or lease

Good morning BMW FINANCIAL, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 a creditor may not treat a payment on an auto loan account under an open end consumer credit as late for any purpose.
Product: Debt collection

congress has made it clear that there is abudant evidence of the abusive deceptive and unfair debt collection practices by debt collectors like PORTFOLIO RECOVERY ASSOCIATES LLC.Thank you for providing me with the documentary evidence of federal violations in the collection of an alleged debt PORTFOLIO RECOVERY ASSOCIATES LLC is not licensed to collect any debt in the XXXX VA .I will need them to provide more documentary evidence of federal violatios so i can continue to add to my small claims court lawsuit against PORTFOLIO RECOVERY ASSOCIATES LLC for the following FEDERAL VIOLATIONS.

15 USC 1692 B, C, D, E, F, 18 USC 1001 IM REQUESTING THE COMPANY READ THESE US CODES AND TAKE SERIOUSLY BECAUSE THIS COMPANY IS IN VIOLATION CLEARLY
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit profile regularly on XXXX XXXX. I noticed a XXXX XXXX credit card as well as a XXXX XXXX XXXX XXXX XXXX card opened on my account in the fall of XXXX. I called both companies immediately and informed them about the fraudulent activity. I also opened an investigation with the FTC at XXXX and had several XXXX holds placed on my credit profile. I received letters from both XXXX and XXXX XXXX that the accounts had been closed due to suspicious activity, however both both accounts still show as " hard inquiries '' under my credit profile. The XXXX card shows as a hard inquiry under my XXXX profile and the XXXX XXXX card shows as a hard inquiry under my Equifax profile. As an aside, Equifax shows another hard inquiry from " XXXX XXXX '' that I do n't recognize ... perhaps related to XXXX. The credit companies appear to have done their part, however the credit reporting agencies do n't appear to have any interest in rectifying the situation.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} Inquiries to be blocked : XXXXXXXX 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

On XX/XX/XXXX, First Progress Credit Card reported a NEW bankruptcy on my credit reports at all three bureaus. They claimed a balance of {$160.00} was still owed. 

The facts of the matter are these : I did file bankruptcy in XX/XX/XXXX in which the balance owed to First Progress was listed. The bankruptcy was discharged in XX/XX/XXXX ant the their debt was discharged also.

First Progress has no right under law to report a new bankruptcy as of XXXX XXXX where no such bankruptcy filing exists, and may not claim an outstanding balance when such debt was discharged in XX/XX/XXXX. 

In my opinion, this is a revenge filing and an attempt to collect on an uncollectible debt. All such reporting to credit bureaus should be immediately removed and the Company censured for this kind of illegal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, Account # XXXX, Account # XXXX, Account XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15U.S.C section 602 A. States I have the right to privacy. 

15 U.S.C 1681 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

An attempt to pay off XXXX ( XXXX ) card by using Citi card with no interest for 15 months ; opening a line of credit for {$3000.00} to pay down on a XXXX ( XXXX ) account in XX/XX/year>. According to Citi the wire transfer was done on XX/XX/XXXX. As of date, the transfer to XXXX has never been received through wire transfer. Called multiple times to Citi who claims the funds were transferred to XXXX ; XXXX is saying the funds have not been received. On Friday, XX/XX/XXXX, did a teleconference with both Citi and XXXX, still no resolution. Citi has started charging a monthly fee to repay the balance of {$3000.00} although the funds were never received by XXXX. Ive made numerous calls to both Citi and XXXX, no resolution. 

It has been over 65 days since the transfer from Citi to XXXX with no resolution, and interest rate with XXXX continues. Ive requested that Citi cancel the transfer, which they say they can not. This is a request to resolve this matter and request Citi or XXXX to pay all fees incurred delaying this process.
Product: Credit reporting

The credit bureau has inaccurately placed liens on my report that have been paid. The state has confirmed with me that they do not report to the credit bureau and that the credit bureau is placing the information on my report without verification from them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # 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 an account without my written instruction.

Accounts and Account numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I am filing this complaint against Synchrony Bank. A few months ago, two months and ten days to be exact, I sent Synchrony Bank a letter regarding a situation I have been suffering this year. It was a situation with a loan I obtained through Synchrony via XXXX in XXXX located at XXXX XXXX XXXX. 

Near the end of XXXX I went to XXXX to purchase some home furniture. My representative was actually the store manager who goes by the name of XXXX. There will be a letter uploaded with this complaint which explains the specific details of my complaint. So as not to copy and paste everything which is on the letter, I will provide you the main points of this complaint. 

When I was debating on whether to purchase the furniture or not at XXXX XXXX, XXXX convinced me to purchase it by promising me 18 months no payments and no interest. That was what pushed me over the edge to go ahead and get financed through them or rather XXXX XXXX XXXX financing company. Everything seemed Ok until I received a call in mid XXXX telling me I am severely past due by Synchrony Bank. 
I ended up paying them their past due amount, but I have suffered considerable damage to my credit. That is not necessarily why am filing this complaint to Synchrony Bank. I am filing this complaint because I sent Synchrony Bank a letter asking them to consider my situation and asking them to forgive the late payments due to XXXX and XXXX XXXX XXXX willful attempt to deceive me for financial gain. I sent the request on XX/XX/XXXX. To this day I have not received a response from Synchrony Bank. 
Not only did I not receive a response from Synchrony bank in writing, I didn't receive one by phone either. 

Synchrony Bank has my phone number. They were able to call me when they were looking for money, but not to address my correspondence to them. They didn't even have the decency to send a generic or even a pre-generated letter after nearly two and a half months. I am very strongly considering a lawsuit against XXXX XXXX and XXXX at this point but I decided to notify you first just to give Synchrony Bank every opportunity to address this before I decide to go after them too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me late during a pandemic. I was very sick with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. XXXX ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VINXXXX Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance whit the Fair Credit Report Act this creditor ( Credit Acceptance Corporation ) on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states, I have the right of privacy. 15 USC 1681 section 604A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any for any purpose.
Product: Debt collection

Called XX/XX/2021, XX/XX/2021, and XXXX ... AmSher Collection serives about XXXX collection account that placed on all my credit reports by AmSher. i was told they are no longer have the account. i have asked them several times to remove the account from my credit reports they will not remove the account and will not talk to me about the account and hang up on me when i ask to talk to a supervisor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have refused access to online dispute to account that has been disputed before. After following another way to dispute via phone call. Experian never contacted creditor because I received letter about inquiry of account and it states that account is open with balance and good payment history. Experian has refused to update after they have received. They will not respond to emails and when I call I get the same runaround. This bureau is purposely manipulating my credit to show credit ratio is to high. Balance due with creditor but it is closed and that impossible. They refuse to include available credit.
Product: Mortgage

Hello, This is re : Loan XXXX. My account is current. Supporting files are attached to this complaint. 

I scheduled a mortgage payment for XX/XX/XXXX through Freedom Mortgage 's website for {$1000.00} which has been withdrawn from my bank account. I also scheduled through my bank an additional payment onXX/XX/XXXXfor {$160.00} to be applied to principal which was also been withdrawn from my bank account. However, it looks like these payments were misapplied & Freedom Mortgage has no good explanation for why. The mortgage payment of {$1000.00} was scheduled + {$160.00} through my bank with a note that it be applied to the principal. The total should be {$1200.00}. 

However, I saved screen shots from Freedom Mortgage that show that {$860.00} is the mortgage amount that was received ( less than the {$1000.00} that I scheduled ), but that {$160.00} was applied to principal. 

If I read their information correctly, I do not want Freedom Mortgage to miscalculate my payments or attempt to make me delinquent. So I asked them to correct this error and explain why they adjusted my payments to reflect as such, when it appears that they misapplied or redirected my scheduled payments without my authorization. 

I spoke with Freedom Mortgage three times this morning as a final attempt to resolve after, spoke to XXXX different representatives, with no satisfactory resolution -- this was a follow up to me submitting an inquiry about my account via their online automated system on Monday, XX/XX/XXXX. I was told today that a response can take up to " 30 days '' which is a problem for me naturally, since that 's when it seems that a bank will begin considering payments to be delinquent. I allowed until Wednesday, XX/XX/XXXX for a response but Freedom Mortgage has unfortunately not been very responsive to me and has caused me more difficulties and trouble than they need to. 

I am concerned that because they were so unresponsive again in this instance, I will have a recurring problem each time I try to pay my mortgage, resulting in Freedom Mortgage arbitrarily deciding where the money that I responsibly pay towards my mortgage will go as it benefits Freedom Mortgage rather than me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today it was announced Equifax announced a massive security breach which compromised over a million accounts. To find out if I am part of the compromised, I have to surrender my ability to take action against them. No.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Incidents has been filed to local police department for police report. The fraud XXXX account is a result of the identity. I sent email and made multiple calls to reach out to the institute fraud department when I received a debit card in letter. The call is always directed to voice message only. I have never received any call back after leaving them message. When I talked to their customer service department with recorded call reference ID, they assured me the account was frozen on XX/XX/XXXX with fraud alert, but when I called again XX/XX/XXXX for follow up, they told me that a loan was approved even after I put security freeze for all 3 credit bureaus. The email I sent on XX/XX/XXXX to alert the fraudulent accounts and got a reply with a generic custom support email for rating of the service. So far there isnt any other response or call back. A very challenging institute to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$940.00} {$940.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$940.00} {$0.00} Credit Limit : {$600.00} {$600.00} Past Due : {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.