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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has viold my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are showing a late payment of 60 days which is inaccurate. the account has been paid in full and has a balance of XXXX as of XXXX XXXX the balance is reporting wrong as a XXXX balance that is inaccurate. please update correct information or remove this from my account.
Product: Credit card or prepaid card

Synchrony bank is one of the ONLY credit card companies that does not play well with financial data aggregators like XXXX, XXXX, and other companies that help me aggregate my assets and liabilities to better mange them. 

I have this same problem with my Gap Visa that is also managed through Synchrony Bank. 

Hello, its XX/XX/2018!
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Credit Collection would verify the debt. So I took it upon myself to ask credit collection for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Mortgage

mortgage company will not take my payments stating payments were being made, I requested they take my normal payments as the payments were not made by me. The payments credited to my account pushed my payments to XX/XX/XXXX. As to date they still have not taken my payments, I have called and written several times, every month since the beginning of my loan in XX/XX/XXXX of this year. 

My credit report states differently and it now states I am over 60 days past due. I have not been able to make the company take my payments although they confirm my payment information and method. 

I have not been able to find an attorney to help me as I am deaf, they refuse to assist telling me to get an interpreter but that is before providing me a date or time to discuss the matter with them. ( I can only be contacted via email or text to my phone but I can make outgoing calls. ) I have 2 of the 4 due payments and requested the mortgage company to extend me 2 months to bring my account to date. 

Documentation can be provided.
Product: Debt collection

There is a derogatory reference on my credit report from Jefferson Capital System ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX at XXXX ). 

Approximately, three months ago, I disputed this adverse notice claiming I owed {$200.00} to XXXX XXXX. I contacted XXXX XXXX on the matter, and all they could tell me is that they sold the collection to Jefferson. I called Jefferson and they can not identify any outstanding claim. This is because I contested it on my credit report, and it was removed by the credit reporting agency, but now it is showing up again. I DO NOT OWE THIS MONEY. No one can tell me what this is for. I have had a XXXX XXXX account for over 10 years. I continue to pay and be in good standing, but this keeps showing up and no one can give me any information as to why it is a collection account. According to a XXXX Report, this was placed in collection on XXXX/XXXX/2015. I did n't owe this at this point. It was later updated on XX/XX/XXXX and still showing as a derogatory notice. This is adversely affecting my credit and if someone can not provide information to me about this, it should not be allowed to be reported. 

when you call XXXX, an automated notice references that the account was sold. What company would sell an outstanding account if it is only placed in collection on XXXX/XXXX/2015. This is an error and it needs to be removed immediately.
Product: Debt collection

I am trying to purchase a home and had to apply for a home mortgage. I was turned down by the lending company I applied to because someone used my identity to fraudulently open a XXXX XXXX account which is now with the collection agency LJ Ross. I am unable to purchase my home until this fraudulent account is removed from my credit report. I filed an Identity Theft Report with the FTC which is signed and attached to this complaint along with validation of my identity.
Product: Credit reporting or other personal consumer reports

I just checked my credit for the first time and i have inquiries that do not belong to me. I have been a victim of identity theft 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i requested for them to remove accounts i dont recognized and addresses and was only givin info to resend my info and i havent heard anything back over 30 days.I was never shown any documention with my signature or nothing.I have sent letters to all three equifax XXXX XXXX and XXXX example is XXXX of the latters that was sent to me from all three and i sent them docs but never heard back.
Product: Checking or savings account

SUBJECT : Follow-on Complaint to CFPB Complaint # XXXX. 
# XXXX was closed in error, in consideration of BMO Alto 's failure to release all Funds owed to Customer. 
COMPANY : BMO Alto, a trademark of BMO Bank N.A., XXXX, XXXX ACCOUNT TYPE : Savings, toward opening a CD XXXX : BMO Alto refused to release information to Customer. Customer has demanded, but to-date BMO Alto has failed to : 1/ Immediately transfer the total of all interest earned by Consumer 's funds to Consumer 's Institution of-origin : " All in Credit Union '' 2/ Provide e-Mail notice to Consumer of the amount of interest earned by Consumer 's funds per IRS requirements : -- During XXXX XXXX During XXXX 3/ Notify Consumer, within a timely manner, that Consumer 's BMO Alto account ( s ) is/are finally Closed.

4/ Provide correct information in its response to Consumer 's original Complaint # XXXX. 
5/ Return {$31.00} Fee the Company removed from Consumer 's attempted Wire transfer funds, then Company denied -- toward returning {$31.00} to the originating Institution.

Thank you for your continued interest toward amicable, final Resolution.
Product: Credit card or prepaid card

Capital One closed the account. They were accusing someone of being abusive when the employees do not listen and talk over the customer nonstop. The company NEEDS TO STOP SENDING MY ITEMS!! THEY NEED TO STOP XXXX AND XXXX things to my parents house. THE COMPANY NEEDS TO STOP! 

If they continue to harass me they will have charges filed against them! I offered to settle the accounts with them, and they REFUSED payment. They need to stop asking me for money at this point! You were given the opportunity to resolve it! NOW LEAVE ME ALONE, CAPITAL ONE!!
Product: Credit card or prepaid card

I opened a account with XXXX XXXX XXXX through continental finance fall 2021 I misplaced the card and I have been waiting on a replacement card for a year now I call every month because they say it takes 14 to 21 days and I still havent received it yet I called and spoke to every manager about 7 times please help
Product: Mortgage

I defaulted on my mortgage because the monthly payment and the interest rate increased from one day to another, making it impossible for me to stay afloat. 

I have tried to do loan modifications and many other alternatives for my house not to get foreclosed on but the bank is not willing to cooperate. 

I feel that I was done wrong by the bank and there might be some fraudulent activity on the bank 's part.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX has been reporting late payments on my report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Debt collection

This Wells Fargo Financial National Bank is undoubtedly recorded as a charged off account. I analyzed this the main reason why there's a balance showing on the file if it is a charge off? The balance is actually wrong, and the company need to reverse it to XXXX or remove the items certainly.
Product: Checking or savings account

I deposited a check issued to my sister in law..she properly endorsed the check to me and I deposited it into my chase checking account. Chase put a hold on the funds for 14 days. They then contacted me and said they were closing my account. I called them back and spoke with a person in their check fraud department I believe explain the situation that it was my sister-in-law 's check that I knew her had known her for many years she's related to me. They told me they're treating is a third party check. My question is why would they decide to close my account rather than just not deposit the check if they had a problem with it I have deposited over {$100000.00} in this account since opening it and they never had a problem with anything before. I contacted them gave them the information they asked me for and they still have a freeze on my account the check is cleared there is no problem with it but they're going to close my account and won't let me have access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SD XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear Experian, Upon reviewing my credit report, I have identified numerous inaccuracies and unauthorized entries on my profile. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), it is crucial to emphasize the rights afforded to consumers regarding privacy protection.

Section 602A of the Act explicitly outlines my right to privacy, underscoring the obligation for accuracy when furnishing consumer information to reporting agencies, as articulated in section 1681s-2 ( A ) ( 1 ). Additionally, section 604A, subsection 2, mandates that consumer reporting agencies can not disclose accounts without my explicit written consent. 

The accounts detailed below have infringed upon my consumer rights, and I demand their immediate removal from my credit report : Account name XXXX  XXXX Account number XXXX Account name CONSUMER ADJUSTMENT CO Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Consumer reporting agencies are entrusted with significant responsibilities, including the fair and impartial treatment of consumer data and a steadfast commitment to privacy protection. 

I request a revised copy of my credit report to ensure that my consumer right to privacy is upheld and maintained. It is imperative to verify that these unauthorized entries have been rectified, thereby restoring the integrity of my credit profile. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I noticed there was a Venmo transaction of {$550.00} to XXXX XXXX which I didnt authorize. Vemon made it extremely difficult to file a claim or get in contact with a representative. after hours of searching on Venmo app, I decide to XXXX search the phone number. I finally was able to contact a representative. Explain them the situation that I forgot my phone at a restaurant for 15 minutes and didnt realize it til later and now I notice a transaction that I didnt authorize. they file a claim and decide to rule it for the receiver. I explain to the representative that Ive never sent money to this individual before I was able to contact my back to to block the transaction, but Venmo decided to push the transaction using their own money and that made my Venmo account negative. Then after that, I start receiving money from other people that sent to the wrong person. I explain to the person that they need to contact Venmo and file claim and they still have not received their money. So now those people are contacting me about the money that they were they transferred to me. now Im getting threatening phone call and harassing from those people who send the money. I need Venmo to send money back to those people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

On XX/XX/XXXX, I received a phone call from Pacific Union Financial Services at XXXX. The gentlemen I spoke to on the phone stated they ( Pacific Union ) had not received my XX/XX/2016 payment. I explained to him that I made the payment on XXXX. I was at work and I could n't go find my email confirmation. He reassured me that they had not received the payment. So I scheduled another draft out of my checking account in the amount of {$1000.00}. I told him I would call back later to so they could investigate and see what happened to my payment. I called back the same day XX/XX/XXXX at XXXX and spoke to XXXX and tried to explain to her that I made the payment on XX/XX/XXXX and she stated she could n't find a payment. I asked to speak to a supervisor and she told me no one was available. She told me she would have XXXX or XXXX ( supervisors ) call me back to look into my payment. As of XX/XX/XXXX I have not heard back from Union Pacific Financial, XXXX or XXXX. I found the email confirmation of my payment. They have reported a delinquent payment to the credit bureaus. My account is not delinquent and I have the payment confirmation.
Product: Credit card or prepaid card

Hello, this is my 2nd complaint. I was hung up on by doordash support, you guys said that you have no records and that would make sense as they hung up on me and couldnt take my complaint. Payfare support has not been helpful either. I would appreciate a customer service representative or equivalent to see this, it has been impossible to reach doordash support, someone gets on the phone just to either not understand or say they cant help with the complaint. It is {$53.00} charged off of my card that was supposed to go to bills, I would appreciate this to be fixed as I have been trying for over 10 days. The charge was XXXX to XXXX, a company I have never heard of and when I look into it scams seem pretty common. I would appreciate any help, I just need my money back.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15USC 1681 sections 604A section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15USC 1666b a creditor may no treat a payment on a credit card account under and open and consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. 

XXXX, Equifax, XXXX and their executive branch, the XXXX XXXX XXXX XXXX, which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. 

How XXXX  XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. 

This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. 

WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or Equifax. 

I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. 

So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. 

Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. 

This criminal cartel must be SHUT DOWN!!
Product: Payday loan, title loan, or personal loan

I received a billing statement ( XX/XX/2017 ) about a loan that was taken out in my name. The company is " Majestic Lake Financial ''. The letter insinuated that the company had been corresponding with me but I had never even heard of this company until the statement was opened. Curiously, the bill was lacking an amount owed, requesting me to call for a billing amount. I called the company ( XX/XX/2017 ) and the representative ( XXXX ) informed me that a loan had indeed been taken out in my name in XXXX of 2017, no exact date. I called back later that day to get more details about the loan and was uncomfortable with the line of questioning. The person on the phone was asking me personal questions such as birthdate, SSN. I refused to give my SSN. I pulled a credit report ( XX/XX/2017 ) and " Majestic Lake Financial '' does not appear anywhere on my credit, no inquiries or listed open/closed account. As of ( XX/XX/2017 ) I have filed a police report at my local police station.
Product: Credit reporting or other personal consumer reports

I am writing to file o formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previousty deleted material into my credit report. 
On ( XX/XX/year> ), I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX XXXX. account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days ofter sending the letter, XXXX has failed to remuve the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, Impacting my abllity to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.