23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a recent late payment that has been reported by Discover on my credit report. Despite having an excellent payment history with Discover, I was surprised to discover that a payment of {$520.00}, which was little over a month late, was reported to the credit bureaus without any prior notification. 

My name is XXXX XXXX, and my date of birth is XX/XX/year>. The last XXXX digits of my Discover account are XXXX. 

I have been a loyal customer of Discover for 10 years, and it has always been my priority to make timely payments. I have never received any notifications via mail or phone call regarding any late payments, nor have I received any indication of any potential issues with my account. 

I understand the importance of maintaining a good credit history, and I take my financial obligations seriously. It is highly unusual for me to miss a payment, especially one of such a nominal amount, and I assure you that this occurrence was an anomaly. 

I kindly request that you investigate this matter and rectify the information reported to reflect the accurate status of my account. I believe that the reporting of this late payment has unfairly harmed my credit score, and I am confident that a review of my account history will confirm my consistent payment record. 

I appreciate your attention to this matter and request that you provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this dispute.
Product: Credit reporting or other personal consumer reports

My rights as a consumer have been violated according to The Privacy Act of 1974. The items reported on my consumer report are in violation and have caused a hinderance to my consumer report, causing me to not obtain credit. In 5 USC 552 ( a ) it states : ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 

There is no reason that these accounts are reporting when I the Consumer, never gave ANY written permission to furnish ANY information. This must be removed immediately! Also, I chose to opt out of all authorizations that I had previously given each company. Never have I received a privacy notice from the company before furnishing data. I am now requesting that all data be removed that pertains to each company.

12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. 12 CFR 1016.4 Initial privacy notice to consumers required.

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

Section ( a ) ( 1 ) Form of opt out notice.

If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
Product: Debt collection

I contacted Ability Recovery Services LLC in regards of a collection account they say I owe them but they are not verifying I owe this collection with them. On XX/XX/2020, Ability Recovery Services LLC sent me an enrollment application for debt validation/verification. This is not acceptable to me. It shows no account with them whatsoever.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX I am filing this complaint against Experian for continued inaccurate and incomplete reporting on my credit file, specifically related to my XXXX XXXX XXXX account, despite multiple disputes. 

Experian is reporting false late payments and showing " ND '' ( No Data ) for several months where payments were in fact made on time. These inaccuracies have persisted even after I submitted disputes with supporting documentation. Experian has failed to correct the errors or properly investigate them, which has severely impacted my credit score, access to credit, and the interest rates Im being offered.

The ND entries imply missing or unreported data, which is misleading and untrue, especially when the account has been consistently paid. These false negatives are harming my credit profile and do not reflect the actual payment history of the account.
Product: Credit card

A fraudulent credit card application was made using my information. I received alerts from XXXX XXXX. I called XXXX to confirm the fraudulent activity and called the bank to let them know, too. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD XXXX XXXX XXXX XXXX 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
Product: Credit card

In late XXXX XXXX I purchased a computer from Dell and chose to take advantage of their 6 months no interest financing. Received the computer ( its great ). I have taken advantage of these types of offers numerous times and never had a single issue. However, this time was different. Not long after I purchased, I received a notice that Dell Financial had sold my account to Comenity Bank. I had not heard of this bank before and had no reason to question. A couple of weeks later I received my first bill. Since I was planning to pay it off before the 6 months anyway, I went ahead and processed my first payment through my banks bill pay function using the information provided on the billing statement. The payment cleared and was posted to my account. So I proccessed a second payment two weeks later and a third payment two weeks after that. The payments cleared my bank and also the bill processing company said they had cleared on their end as well. However, the payments were not being applied to my account by Comenity after the first one. I received a stay 2 weeks ago showing late fees. I called, and they told me I needed to contact my bank, which I did. I recieved confirmation numbers that the payments had cleared. So I contacted comenity again to see where these payments were. Meanwhile the most recent payment I processed was posted to my account but the payment submitted prior still has not been applied. I explained this and was told they would place a dispute on the missing payment and that it would take 30-60 days, which would put me over my interest free period. I began researching this bank and found numerous lawsuits against them and many reviews of others having the same experience. They were not friendly, understanding nor particularly helpful. I am afraid this will have a negative impact on my credit score.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

Eight months ago I applied for a dental credit card. I was denied by XXXX Credit report on me. I tried calling as the letter from the credit card company said information obtained in a report was why denied. they ( XXXX ) were unable to supply specific resons why I was denied. I tried calling multiple times and could never get a person, only a credit report. That took about XXXX weeks. I got the report dated XX/XX/2022. I could see no problem so let it go. 
I do not have my notes any longer to give times or dates. BUT same thing repeated itself today : I got a letter from my credit card that I've had for over 5 years. It states it's lowering my credit line. Now I have paid my card off every month, no late fees. Reason is in a letter saying it was based in whole or in part on information obtained in a report from Experian. Experian was unable to supply specific reasons why, like XXXX. I attempted to call 3 times and you can not get to a real person. Its the same recording that XXXX has, I must choose to get a credit report or report fraud. If you say operator it says must hang up. I can not get to a person to find out what is wrong. I need help in getting to the bottom of this. Thank you.
Product: Mortgage

In XX/XX/XXXXI took out a loan with XXXX XXXX, a division of XXXX XXXX XXXX XXXX for the amount of {$320000.00}. I was promised a low interest rate and low monthly payment, as advertised. I defaulted on my mortgage payments because I could not keep up with the increasing interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerks 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me for the amount of {$310000.00}, which is about {$9300.00} from the original mortgage amount from the original mortgage 3 years earlier. but I had already paid well over {$50000.00}. How is that possible? In XX/XX/XXXX, I received a notice of transfer from XXXX XXXX XXXX to Nationstar. I 've tired fixing the problem many times with both Nationstar and XXXX XXXX XXXX, in form of submitting a loan mod and each time I am getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
Product: Credit card or prepaid card

I booked a room ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021 with CITI Advantage credit card via XXXX with the terms and condition that non refundable unless it is cancelled by XXXX XX/XX/2021. 

The cancellation was completed at the time of arrival at the hotel in person ( XXXX XX/XX/2021 ) due to the inability to provide the listed service due to COVID. 
The letter of free cancellation with no penalty was issued. 

XXXX posted the payment on XX/XX/2021 I attempted to work with the merchant ( XXXX  ) to receive the refund via numerous e mails and hours of phone calls, but the response from XXXX was consisted with the unwillingness to issue the refund and refused to consider the evidences I provided with the letter of cancellation and e mail with the terms and conditions from XXXX, letter from the property manager confirming the cancellation, no penalty, the unauthorized payment transaction, the cancellation time ( XXXX; XXXX XX/XX/2021 VS the posted payment by XXXX on XX/XX/2021 ). 

I filed the dispute charge to CITI Bank on XX/XX/2021, provided all of the above documents proving the cancellation, for the refund, But CITI absolutely did nothing for the consumer, rather demand unfair, unjust and bias demands to consumer to provide the credit slip between the hotel and XXXX which the consumer has no legal right to obtain, and for the payment of the unjustified charge by XXXX, the fraudulent business practice by XXXX that NO REFUND at all cost for their financial benefit. Theres plenty of cases similar to my case on social media.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX over the phone at ( XXXX ) XXXX, a person named XXXX contacted me about a debt for a person that is not me, XXXX even admitted that it was not for me once I verified just my year of birth. The company refused to identify itself as a debt collector insisting on it being a personal financial call. 

They contacted me before XXXX XXXX. 
They contacted me for a debt that was not mine. 
They have refused to identify themselves as debt collectors and instead lie and say its for a personal financial call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied employment with XXXX XXXX  XXXX XXXX  in XX/XX/XXXX for a position as a agent due to the incorrect credit reporting information from on the credit bureaus. I have multiple write offs from multiple lenders and that should have been taken care of XX/XX/XXXX. This date is when I was working through a credit agency that sent multiple disputes to clear many inaccuracies of the reporting charge-offs. Due to covid I was denied many jobs and housing ( denied mortgage ). The information being reported is incorrect as far as dates and account information. How should I go about remedy this situation? 

God bless!
Product: Debt collection

On XX/XX/2021 I pulled my credit report to see a collection account from Cedars Business Services with a balance of {$2100.00} listed. I have absolutely no knowledge of this debt or company. On XX/XX/2021 I drafted a validation letter requesting they provide me with competent physical evidence that I had any legal obligation to pay their company. On XX/XX/2021 I sent my validation letter out via USPS Certified mail, after tracking my letter I see the company received it on XX/XX/2021. Under the FDCPA laws Cedars Business Services has failed to responded to my validation letter in the legal allotted time which is 30 days of receipt. Cedars Business Services has also violated my consumer rights under the FCRA & FDCPA by continuing to report negative information to the credit reporting agencies causing a detriment to my personal credit while in the process of disputing this information. FCRA & FDCPA states that if the debt is not validated in the 30 day period this account is now deemed false & unverifiable. They also require the account to be deleted from all major credit reporting agencies immediately with a copy of such deletion sent directly to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/XXXX at XXXX, I received an alert from XXXX that a hard inquiry was added to my credit report from USAA bank in Texas XXXX Additionally, an additional address was added to my personal information, which does not belong to me. I immediately set up a freeze to my credit and additional security alerts. 

On Monday, XX/XX/XXXX, at XXXX, I contacted the XXXX credit bureau to dispute this hit to my report. Additionally, I contacted USAA 's fraud department and reported that this was not me. I also filed a police report with XXXX XXXX, Virginia, where I reside. 

While I do not believe anything has been set up in my name so far, I believe that this was an identity theft or fraud attempt.
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 and has violated my rights. 

XXXX XXXX XXXX : # XXXX I looked at my Equifax credit report and noticed some things are incomplete and not accurate. 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, as stated in 15 USC 1681 ( e ) ( b ).

Furthermore, under 15 USC 1681i, I am requesting a reinvestigation of this/these item ( s ). Please provide me with a copy of the results of your reinvestigation.

According to 15 USC 1681c-2, if any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified after reinvestigation, 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. 

Additionally, under 15 USC 1681s-2, furnishers of information to credit reporting agencies are required to provide accurate information. They should 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.

According to 15 USC 1681c-5, treatment of inaccurate or unverifiable information requires that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if 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.
Product: Checking or savings account

TD Bank hides transactions via atm and teller that reduces availability of funds by deposit as a mistake overdrawn and missing.
Product: Credit reporting or other personal consumer reports

My information was found by m a 3rd party website called early warning signs. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is claiming that I owned a XXXX 's credit card ( listed as XXXX Account XXXX on my report ) which they say was closed in 2013. 

I have never owned a XXXX 's card, much less an XXXX XXXX card of any kind, in my entire life. I said as much to Experian when I disputed the account. They came back and said that the account is mine, and they have proof of such that I can not have access to. My only recourse was to submit documentation or contact them by phone. 

I have no idea what kind of documentation I can provide of something having not existed. It seems like a preposterous Catch-22. Furthermore I have called them a number of times and they have not told me what that documentation is or what it could possibly be. They have explicitly said they will not tell me what kind of documentation to provide, only that I must provide " it. '' I am unable to verify with XXXX 's that this is my account since I do not have enough information about it. 

Let me be clear, this is not a delinquent account or a negative point on my report. Regardless, is it false and I do not know if this is identity fraud or just incompetence of the part of Experian but this is NOT MY ACCOUNT and I have no understanding of how to prove this.
Product: Checking or savings account

First problem occurred when a fraud was reported to me bank in XX/XX/XXXX. Froze my old account and opened new one, then they forgot to watch for our SSA deposits and they got returned. It took about a week to clear up. Then forgot to place order for checks. Several other problems occurred all of XXXX and then the latest major problem, I made a deposit of a check and the fraud department, without any notification froze my whole account.I have another SSA deposit going in on XXXX. I did get a notice that my deposit was accepted and approved but not one notice of account or mobile account access being blocked.