23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 card

I applied for an amazon store card that was being managed by synchrony bank. The transaction was declined because of an error with the credit company. Amazon used another card to charge me for the transaction so the transaction was settled by a Mastercard ending in XXXX which you can see on the invoice attached. 
Synchrony bank is still charging me for a transaction of {$390.00}. I spoke to them and they mailed me a check for the amount and agreed they made an error. They are still sending me bills for the amount. I even opened a claim with them but they are still insisting I owe them the money and are charging me late fees and interest payments. Amazon refuses to help because they are saying this is not their error even tho the card was advertised on their website please help. I ask Synchrony bank for a transaction ID but they can not provide one and continue hanging up the phone on me. I have been dealing with this for months now.
Product: Debt collection

I am the victim of identity theft. I have attached a copy of of FTC I dentity Theft report. I recently learned that someone used my personal information to open an account. This debt is not mine. Accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify that the debt is the result of identity theft. Under section 623. Duties When ID Theft Occurs. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Remove this fraudulent account from all my credit reports immediately. I am a litigious consuer and will not hesitate to file a small claims lawsuit for violations of the FCRA and FDCPA.
Product: Debt collection

Walmart claims that I have two accounts ... one that has a debt of XXXX and XXXX. I have one Walmart card and it was stolen. I do not owe this debt nor do I have two accounts.
Product: Credit reporting or other personal consumer reports

I disputed accounts that were open fraudulent and asked for chex systems to remove these accounts with a ftc report stating my identity was stolen, they investigated stating that the accounts were accurate and refused to remove these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with LOANCARE SERVICING CTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and LOANCARE SERVICING CTR were no successful resolution. XXXX, XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late an 2018, XX/XX/2018, XX/XX/2018, XX/XX/XXXX, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 2018
Product: Money transfer, virtual currency, or money service

My XXXX XXXX account has been restricted. I am not able to send or receive money. I can not see my statements any longer since calling XXXX  support and then interacting with XXXX  XXXX, twice. They stated my account can not be unrestricted due to unusual activity to which there was no proof. I have been using and paying off my XXXX XXXX card and have not received XXXX XXXX. I use XXXX XXXX in messages in order to buy things for my family and friends with their funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid for credit monitoring services with Experian for almost 2 years. During that time they have failed to correct vast and defaming inaccuracies on my credit report by deleting those accounts. Further, I have paid extra to have my credit score refreshed and provided with option to freeze my credit report. I have noticed within the last 60 days for some the freeze has not completely worked because there are inquiries on my credit report. Delete the following immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX ( XXXX ) XXXX XX/XX/2025 Radius Global Solutions LLC. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Radius Gobal Solutions LLC, Re : Cease and Desist Notice I am writing to formally demand that you immediately cease and desist from spreading false and defamatory to all credit bureaus. Your actions are unlawful and are in violation of the defamation of character ( per se ). Negligent Enablement of identity fraud. Fair debt collections practices act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 ciolations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] you have made false and defamatory statements about me in public forums.

This conduct is harmful and unacceptable. I demand that you immediately : 1. Cease from using my personal information to report false information to the credit bureaus.

2. Desist from making defamatory statements, and engaging in any harassments.

3. Refrain from falsing and illegally sending information to the credit bureaus.

If you fail to comply with this request by XXXX XXXX  2025, I will be forced to take legal action, including but not limited to seeking an injunction and pursuing damages, without further notice.

This letter is intended to serve as a final warning before legal steps are taken to protect my rights. I trust that you will respect my rights and cease the aforementioned actions immediately. Please confirm in writing by XX/XX/ 2025 that you have complied with this demand. 
If you have any questions or wish to discuss this matter further, you can contact me at XXXX or XXXX. 
Sincerely, XXXX XXXX
Product: Mortgage

My mortgage company is refusing to work with me on a forbearance or payment deferral due to the government shut down and stay at home orders which prevented me from earning an income. It is privately funded to they do not have to comply with the cares act but should have a moral obligation to work with their borrowers who have been impacted by this pandemic and forced to shut down their businesses and prevented from earning an income.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Debt collection

This is not my debt. I have tried to get this resolved for the last 5 years to no conclusion. It looks like the debt os from a doctors office once I do a XXXX search that i have never been to.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I will attach my photo ID at the end of this report. 

I am making this report against a keybank customer by name XXXX XXXX. I will try my best to explain everything. 

On XX/XX/XXXX, I listed my new XXXX XXXX Laptop for sale on XXXX at the sum of {$1500.00}. The next day being XX/XX/XXXX, someone by name XXXX XXXX contacted me to buy my XXXX laptop and accepted the price. 
I told her to come and pick it up since we are all living in New York and she said she would come the next day. 

The next day being XX/XX/XXXX, XXXX came to my house and picked up the XXXX laptop and said she was paying using my XXXX card reader account which my company name is " XXXX XXXX transfer For XXXX XXXX XXXX '' XXXX made the payment of {$1500.00} to me by herself and got the laptop and drive off. 

After two days, XXXX called me on the phone said that she would take advantage of me by reporting to her bank to get her money back plus my laptop she already got. I was very shocked. 

Yesterday, she sent me a message that she had reported the transaction to her bank by tricking her bank that it was unauthorized charge to get her funds back and she said her bank had given her bank the money. If that is the case, it means, she got my laptop and also took money she sent to me back. 

So I am making this report officially to her bank that the bank should not honor XXXX XXXX request to get the credit back on the {$1500.00} she made to my shop because she got her item. 

When she came to my shop as part of documentation, she submitted her photo ID to me proving that she was present at my shop. I will attach her photo ID which she submitted here and also a screenshot of her chat where she said she had gotten back money from her bank saying that she will keep on doing same thing to online sellers to take their items. 
Very sad. 

Her email address is XXXX And her house address is XXXX XXXX. 
XXXX XXXX, NY XXXX. She is a keybank customer and I believe she paid with her keybank MasterCard
Product: Debt collection

My Identity was stolen by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX or " XXXX  '' in XXXX. This is the subject of the property located at XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. ( Two Counterfeit XXXX  Mortgages were REGISTERED in the XXXX  Database on the property address which is the subject of both SEC XXXX and XXXX XXXX XXXX Claim # XXXX. ) Additionally, I have recently been sued by Debt Collector, Attorney XXXX XXXX ( XXXX ). After he filed suit against me for a XXXX XXXX XXXX XXXX, XXXX sent me a " XXXX Early Warning Letter ' notifying me of " suspicious activity '' on my closed account ending in XXXX. After speaking with XXXX at XXXX XXXX Department ( XXXX - reference # XXXX ) and verifying that the account was CLOSED, she said that she did not have any information in regard to the account. I called again on XX/XX/XXXX and spoke with both XXXX and XXXX who both told me that they could not give me any information as they needed to verify my identity by text. Neither of them sent me a text. I request to know exactly what the " suspicious activity '' was on my account.
Product: Credit card or prepaid card

I opened my credit card with Bank of America in XXXX of XXXX. I made a payment over the phone with rep. in XXXX and gave her my account information. In XXXX, I made an automated payment, however, the payment did not go through because Bank of America 's system had retained and was using my closed bank account detail from XXXX. I had not had an active account with Bank of America since XXXX ( over 14 years ) and they have been retaining my detail and as a result, charged my payment to the incorrect account and then suspended my ability to pay my bills as a result. I am not aware of Bank of America making any attempt to let me know this occurred, unless they did so by contacting my email or phone from my XXXX, rather than the email and phone I would have given them at the time that I opened the account in XXXX of XXXX. 

When I contacted the credit card company, they told me it was my responsibility to apparently know this was their business practice and update this detail that I wasn't even aware was still in their system. 

Had I not attempted to set up online bill pay and instead waited until it was time to make my payment, my payment would have been late and reported to my credit.
Product: Checking or savings account

My account was closed with out reason and my funds are being withheld without reason from Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to XXXX and Trans-union, please see attachment credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX 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 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 ' nonpublic personal information. '' XXXX XXXX XXXX XXXX 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. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - 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 $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. '' Equifax and XXXX 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXXXXXX {$4900.00} DEPTEDXXXX {$2800.00} XXXX {$2100.00} XXXX USDEPTEDXXXX {$2800.00} XXXX {$0.00} XXXX {$6000.00} DEPTEDXXXX {$6000.00} XXXX {$6000.00} XXXX {$3500.00} DEPTEDXXXX  {$5800.00} XXXX {$0.00} XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on Lexis Nexus. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
Product: Credit reporting or other personal consumer reports

hi I recently looked at a copy of my credit report and noticed that there are accouple inaccurate information on my account and this inaccurate information is hurting my ability to obtain credit. can you please do an investigation with them to make sure everything is reporting right on my report.

here is the account I seen was incorrect and I'm asking for you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX AND TRANSUNION Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX AND TRANSUNION Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit card or prepaid card

Attempt to open an account thru Bank of America using my SS #, name, address etc. Per Bank of America request was " red flagged '' and will take 90 days to process correction. This has been reported by me to credit bureaus and Post Master as fraud. Please advise any further steps on my part on protection of my personal information.
Product: Mortgage

I used to be in forbearance with my mortgage company XXXX XXXXDovenmuehle since the pandemic started in XXXX XXXX. In XX/XX/XXXX, I chose to refinance with a different lender and requested my forbearance end and so I can begin process to refinance. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX repeatedly ignored requests for records from myself and from lender I was working with. The new lender needed to verify information I provided was correct, dates were correct of forbearance starting and ending, etc. XXXX XXXX at some point in XX/XX/XXXX provided false information to my lender who did their best to use for the refinance but the underwriter ended up rejecting it in XX/XX/XXXX and requested documentation again from XXXX XXXX, which they ignored and didn't provide. My understanding, a lender or mortgage company MUST legally provide documents requested by the customer. They repeatedly ignored or send false information. In XXXX. XXXX I had to give up my refinance process due to this and due to the rise in interest rates. Since XXXX XXXX I have been dealing with XXXX XXXX to get back on track with my account and have made consistent payments and they have provided several options, including deferral of outstanding balance to place it at end of the loan. In XXXX I made $ XXXX payment to help start this process and now I'm being told this is not an option. This is the most frustrating company I have dealt with that lies and lies on each phone call. Which takes me XXXX to be on hold. They are trying to wear me down and have even added late charges to my account. Each time I talk to a Rep, they don't know status of my request and put me on hold for long time for a Supervisor. Still nothing is resolved. Please look into these deceptive practices. I have witnesses of the lender I was trying to refinance that can provide statements if needed. At this point, what can someone do?
Product: Mortgage

Your agencys failure to rebut, address, answer or respond to Conditional Acceptance Upon Bona Fide Proof of Claim, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created Default Judgment and Declaratory Judgment of the facts stated herein being true. Your agencys failure to rebut, address, answer or respond to Default Judgment and Declaratory Judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created Summary Judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, of the facts stated herein being true. Further failure to rebut or continued acquiesce, failure to address, answer or respond, stand as a Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, with prejudice of the facts in this matter stated herein and will and shall stand XXXX XXXX, under full faith and credit in any and all courts in the land from beginning of this matter, XXXX XXXX, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Prepaid card

I wasnt able to make a purchase and when I did I started getting over charged on my Netspend card