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

Accountsk and Acct # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX 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 nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof of verification from Transunion investigation. According to FCRA consumer reporting agencies are suppose to provide proof of how they verified accounts that are being reported. 15 USC 1681a I am within my rights to ensure accuracy and facts on my credit report, and the law states I can request proof of verification giving detailed information on how each account was verified
Product: Credit card

Before XX/XX/2024 I called them and I was on a recorded line. I told Synchrony Bank that they did not stick to the agreement terms of the credit card. 
Then on XX/XX/2024 I mailed a letter to Synchrony XXXX XXXX XXXX XXXX I did not like how they kept hitting me with late fees when I pay my credit card bill on time through calling the payment in. 
The agreement was for {$150.00} per month for 5 years. After paying this amount for 2 years they changed the payment to {$180.00} per month plus late fees. They added up late fees even though I made the right payment each month. They harass me daily, calling 4 times per day, emailing me, and sending notices in the mail when I've never been late on the first agreed amount. I am on a fixed income, I can't afford {$180.00} per month, I can only afford {$150.00} per month, which I pay monthly and on time.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach, which has compromised my personal and financial information. As such, I am requesting that all accounts listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$800.00} XXXXXXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$350.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00}
Product: Debt collection

i was renting an appartment. the lady who manages the property had her son living with me and we had a verbal agreement that it will be a month to month lease. when i run into some financial hardship she had me evicted and now she the company is coming after me for XXXX just to hurt my credit. the original creditor is XXXX XXXX XXXX  the debt collector agency is AARGON AGENCY INC.I have been evicted and the property was automatically leased to a new tenant.every month when i lived there i paid my rent. the property manager who had that agreement with me is XXXX XXXX and her son who shared the home with me is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax background check has provided incorrect background information and have advised or recommended to at least XXXX different companies not to hire me. Despite me not having any criminal history. The only cases that come up is my XXXX XXXX XXXX XXXX  against the XXXX XXXX XXXX and that should not be a factor in me getting a job I am qualified for and hold a XXXX XXXX
Product: Consumer Loan

In XX/XX/XXXX took out a fixed home equity line of credict 0nly to find that the original loan officer no longer worked for first national bank,this was told to me on XX/XX/XXXX when i called  the branch manager, I received disclosure information to only be asked on XX/XX/XXXX to refax,   XX/XX/XXXX tax returns with husbands signature on bottom. Phoned this branch often with calls not returned most of the time  feel like I am a begger by now, I phoned the branch manager and he said that I could finalize the loan on XX/XX/XXXX. I was out of town for the holidays so I did not get back to the branch manager until XX/XX/XXXX only to be told that the loan application  ID number has to be  resubmitted. In late XX/XX/XXXX I was sent another disclosure loan estimate which the interest rate went from 3.89% to 5.05%, I mentioned to the branch manager that he needed to honor the original interest rate because all that transpired it was not my doing. so he resubmitted the loan again to change the interest rate to the original rate and terms . On XX/XX/XXXX, I received a disclosure packet in which the interest rate is the original but the terms are not and the math calculations of this loan does not add up.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to get in contact with XXXX XXXX regarding a fraudulent collections account that is being reported to Equifax. Despite speaking with them on multiple occasions and sending letters via certified mail stating that this was not my account, I have not received any resolution. I was assured that they would conduct an investigation into the matter, but I have yet to be contacted with any updates since. This fraudulent account is severely impacting my credit profile, causing me financial hardship, stress, and XXXX. It is also negatively affecting my creditworthiness, and I am eager to have this issue resolved so that I can have an accurate and fair credit report.
Product: Checking or savings account

This is the same problem that I had once before and it dated back to XX/XX/XXXX XXXX XXXX My disputes were denied immediately but then upon appeal tried to deny me again until I got upper level people like yourself to get involved. Now there were other transactions that was made on the same account and current is trying to be partial on what they're going to give me and what not when all of it stemmed from someone stealing my money in which the same person who used my banking information also used the credit builder information and paid a bill not in my name and not my bill. I tried to contact the merchant concerning the fraud and they didn't want anything to do with it and told me to take that up with the police in my bank. Because of this mishap everything is off balance for me and I was able to catch up some bills but it accrued interest and other problems that I didn't need. Now they are telling me I have to wait XXXX more days for something that should have been awarded to me at the same time as the larger amount and I'm on fixed income and can't afford to lose anything to anyone unless I choose so. They keep telling me that they are working on it and it's been escalated to no avail so once again I'm respectfully asking you to look into the problem and alert them to resolve this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT TRANSUNION LETTERS ON XXXX XXXX ABOUT A INACCURATE AND INCOMPLETE ITEMS THATS ON MY CREDIT REPORT.THEY HAVEN'T RESPONDED TO THE LETTERS WITHIN 30 DAYS NOR DELETED IT FROM MY CREDIT REPORT WHICH IS A VIOLATION AND IS CAUSING ME STRESS IN MY BODY.
Product: Credit reporting or other personal consumer reports

My identity was stolen and was used to attempt to gain credits and loans.
Product: Debt collection

This account is inaccurate and an FCRA violation. NCB MANAGEMENT SERVICE # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Please honor all request of documentation.
Product: Mortgage

I am the personal representative of my father estate. I have been trying to get my home refinanced for several years now. However the mortgage provider will not allow me to do so because the mortgage is not in my name. They seem to not understand that i 'm trying to get it in my name. I have provided them the court order from the judge making me the only person to have access granted to the mortgage to make changes needed to help me lower my monthly payment. this has been an ongoing battle for years. i 've fallen behind in payments simply because i can not make ends meet. I have sent them copies of court ordered documents and death certificates back in XXXX i have yet to have had any luck with this company in helping me with my problem. i have a right to protect my fathers home that he left for me.
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. 

XXXXXXXX XXXX XXXX  # XXXX, XXXX/DEPT OF ED # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX XXXX, EQUIFAX, XXXX, XXXX XXXX XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.
Product: Debt collection

Process server has harassed the current owner where I used to live and had been repeatedly told I now longer live there. They have also harassed my former neighbors, gotten angry with the current occupant, and after being told I do not live there several times STILL SERVED THE PAPERS by leaving them on someones porch because I used to live there. This is absolutely illegal. They have crossed no trespassing signs, used abusive language, and even sat outside the house for half an hour before even though I do not live there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try & try over the for years to get the the credit bureaus to remove stuff from my credit report but they refuse.I see things such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, After completing its investigation as detailed in this complaint, I am writing to request a thorough and detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed an account with XXXX  XXXX reporting inaccurately, showing multiple late payments that I, in fact, paid on time. It is essential for credit reporting agencies to report all information with complete accuracy, yet this account has not been late on payments. I have attached a copy of my credit report highlighting these dates, as follows : XXXX : XXXX late payments recorded for XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
Experian : XXXX late payments recorded for XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
I kindly request an investigation into this account and an update of these payments to reflect an on-time status. If the payments can not be updated accordingly, please provide the required documentation and details as outlined in my request. 
In reference to 15 USC 1681c ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( myself ) and the reporting entity. Given that payment history is directly tied to these transactions, any incorrect information negatively impacts my consumer report. 
I am also requesting that you outline the reasonable procedures [ per XXXX USC XXXX ( b ) ] adopted by your agency to ensure each periodic statement is mailed at least 21 days prior to the due date, as required under section 1637 ( b ) of Title 15. 
Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of our agreement have been honored consistently, warranting a " Paid As Agreed, Never Late '' status for this account. I request documented evidence supporting any claims of late payments, including specific dates, amounts, and communication records indicating these alleged late payments. In the absence of such proof, I expect the credit reporting to be corrected. 
Given that my previous disputes have not resulted in any changes to the reporting, I demand an investigation in compliance with the FCRA to correct these inaccuracies promptly. I expect a written response within XXXX  days of this letter, as required by law. 
Thank you for your attention to this matter. Your adherence to FCRA regulations is crucial for maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Using PayPal in attempt to send money to a friend for a purchase, I typed in the incorrect paypal email and sent {$120.00} according to PayPal he 'll receive it XXXX/XXXX/18 but there 's nothing I can do but ask him to send it back. If he declines to send it back
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase at XXXX XXXX of a tool set that did not arrived. I then contacted XXXX customer service for resolution, and XXXX planned to track the shipping. XXXX claimed to have the item delivered, however he not not delivered. XXXX then offer to refund my money for missing items, but that never happened. I then contacted Chase Credit card to dispute the charge. Chase later reverse the charge without communication. I attempted to contact Chase to better understand the situation, but no answer till today. 
I believe Chase did not support that charge and resolved my issue according to the situation. 

Item purchased : XXXX XXXX XXXX Cordless 6-Piece Kit  ( Drill-Driver/ Impact Driver/ Circular Saw/ Recipro Saw/ Vacuum/ Light ) XXXX Model # XXXX Store SKU # XXXX XXXX XXXX XXXX XXXX Bit Set ( 60-Piece ) Model # XXXX XXXX SKU # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Pre-Lit Artificial XXXX Tree with 750 Color Changing XXXX XXXX Lights Model # XXXX Store SKU # XXXX Total Charges : {$430.00}
Product: Checking or savings account

During the pandemic I called about XXXX times. I last spoke with a XXXX  from tneseeee who stated it was my pro open and she could only spend less than XXXX minutes talking. I was being charged for XXXX accounts thst I never HAD. I could not get thought into laystdtion Becuse I didnt have an account. I have had this claim not even XXXX XXXX but closed within a week, also I shamal BOA behaviors and not former plocies. I b XXXX XXXX XXXX for XXXX years and I have even filed with XXXX XXXXXXXX it with this XXXX scam. I dont have XXXX never did. Bank of America refused to review account they open and close it with NO findings of an XXXX count other than I didnt notice it sooner snd my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 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 permission
Product: Credit card

I attempted to use my XXXX credit card the last week in XX/XX/year> and my purchase was declined. 

I called to ask why and was told my credit limit was only {$1000.00}. The rep was not aware that my credit limit was changed until he researched further. I asked why I was not notified. 

The reason I was told us because I made XXXX late payments. XXXX late payment was because I did not receive a statement in XX/XX/year>. When I found out my account was past due I immediately called XXXX inquired about my account and immediately paid the amount due. 

In XX/XX/year>, I paid my bill XXXX mins after cut off eastern or mountain time. 

Of the XXXX late payments XXXX was due to not receiving my statement. XXXX should not have reduced my credit limit! 

I want my credit limit restored, and now. By lowering my credit XXXX has brought down my credit score! 

I have been a customer for over XXXX years and I have made several on time payments.