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  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated 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

XXXX XXXX  has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane XXXX in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX was explained that information
Product: Debt collection

A company called Convergent has repeatedly called me several times over the last few months and not answered when I pick up. XXXX. They have called me at different times of the day, a few times at XXXX. I have no debts at all and can't understand why they keep calling me? I have in previous years experienced debt collectors asking for someone that is not even me! I have not been answering them recently and left my answering service on, but still no messages are left. It has become annoying! I did set my caller ID to hide my call this morning and got through to the Convergent company ; All I heard was whether I was XXXX XXXX? But I am not! Obviously there is someone out there using my phone number to avoid debt collection.
Product: Credit card

I opened a new card with American Express in XX/XX/2023 branded as a XXXX XXXX XXXX XXXX XXXX. The card came with an offer of XXXX bonus miles after spending {$2000.00} on the account and no annual fee for the first year. Today I tried to cancel the card and was told that the bonus miles I earned would be clawed back if I canceled this card before 12 months. I did not see this in the offering materials I was presented. Further, it is very misleading to have a headline offer for bonus miles for spend and no annual fee for one year but I can't cancel the card before the date where an annual fee will be charged. I want to cancel this account, retain my properly earned miles, and not be charged an annual fee to do so.
Product: Debt collection

The account reported to my credit report needs to be validated. I have no knowledge of this account. I am requesting full validations. 
Not the seeming verification process. I do not understand how and why this was reported. requesting how the information was submitted.
Product: Credit card

In mid-XXXX  XXXX, Lowe's/Synchrony withdrew {$13000.00} my checking account which my bank rightfully rejected. This led me to discover that my Lowe 's card had been compromised and used to purchase over {$21000.00} worth of good. I immediately notified Lowe's/Synchrony about the breach. Upon further investigation, I discovered that not only my Lowe 's card, but my Mattress Firm, and Guitar Center cards had also been breached and used to purchase items. Note that all three of these cards are issued/serviced by Synchrony Bank who denied having any security issues with my account information, despite all three Synchrony cards being used at the same time. After several hours of phone calls with customer service and fraud investigation depts. over the course of 9 months, I was finally able to get the issues resolved. Or so I thought. I continued to be charged fees on the Guitar Center card for the purchases that were already deemed fraudulent and not my responsibility and it took 4-5 months before those fees were removed. I am still waiting to verify this as I was told this once before and the fees were still being accrued. I also thought that my Lowe 's card issue was resolved in mid-XXXX  XXXX but on XX/XX/XXXX, I received a reminder that I have an autopay due to be taken on XX/XX/XXXX for the amount of {$13000.00}. The amount taken from my checking account in XX/XX/XXXX which started the whole fraud investigation in the first place. I tried talking to Synchrony and was passed from person to person to person over the course of 2 hours on the phone, being hung up on and never being passed to someone who could actually do anything ( see my attached notes ). I was told that the amount referred to a " Charge back '' but no one would tell me what a " charge back '' was. I was told that I received a check for that amount that I needed to pay back I guess. I don't know, they won't tell me. I never received a check nor did I expect one as I did not pay on the fraudulent purchases. I tried to explain this but no one would listen and insisted that I received a check. There was no reason for them to send a check and if they did, it did not come to me. If Synchrony would take the time to check, they would see that I have not endorsed/cashed/deposited any checks from Synchrony. Since my last series of calls, I have not received any status updates or any indication that anything is actually being done. I have been battling with these people for nearly a year and have had to deal with their incompetence costing me time off work, lost business, countless hours on the phone, and negative marks on my credit report lowering my credit score and giving me undesirable interest rates. I have secured an attorney and if Synchrony does not resolve these issues after this, I will file a suit for a substantial cash settlement and involve the media to make this a high-profile case.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries and inaccurate personal information are being reported to my personal file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these items from my credit file. I need the following items removed as soon as possible. 
EXPERIAN : XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2022
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. 

XXXX XXXXXXXX XXXX XXXXXXXX. # XXXX, has violated my rights. 
XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX. # 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 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

I canceled my insurance with XXXX insurance in a timely manner so I will not be charged. I went with another company. Which is XXXX. I attached documents showing that I had insurance with XXXX. I shouldnt have a debt in collections with XXXX  insurance. By law a driver can only have one form of car insurance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Address Update Request for My Credit Report Dear Sir/Madam, I am writing to formally request an update to the address on file for my credit report. Please find the relevant details below : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number ( last 4 digits ) : XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, TX XXXX New Address : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, TX XXXX To assist with the verification of my new address, I have attached copies of the following documents : Social Security Card Drivers License Utility Bill I kindly request that you update my credit file with the new address provided above. Please let me know if any further information or documentation is required to complete this update. 

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I submitted a complaint to the XXXX XXXX XXXX regarding a billing matter and credit dispute with Portfolio Recovery and they said they would look into the matter but they would cease communication and they keep calling me from spoofed numbers and I told the XXXX XXXX XXXX  to reopen my complaint because they were harrassing me and they did not comply
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, you must delete any incorrect accounts from my credit report. Could you verify the documents? There are accounts listed with incorrect reporting, including wrong amounts and dates.
Product: Mortgage

I recently complained about Specialized Loan Servicing LLC as they were not and still are not applying my payment to my Mortgage. 
1 ) Each Payment comes with a payment coupon that tells the Company what to do with my payment. 
2 ) My last complaint stated that the company was not following Federal Rules, which state that the check is to be cashed upon receipt and applied to my loan upon receipt. 
3 ) This company is NOT FOLLOWING FEDERAL RULES as once again instead of applying my payment to my Loan, they have put my payment in the XXXX area. 
4 ) The website said my next Payment due was XX/XX/2022 and I sent Check # XXXX to them to pay XX/XX/2022 mortgage payment. This check cleared my XXXX XXXX today, XXXX but it was not applied to my mortgage payment, it was instead put in the XXXX funds area. 
5 ) That Money needs to be applied to my XX/XX/2022 payment and when I logon to my account it should say my next payment due is XX/XX/2022. THIS SHOULD HAPPEN EACH MONTH. 

I WILL NOT ACCEPT THIS BEHAVOIR FROM SPECIALIZED LOAN SERVICING LLC, THEY WILL FOLLOW FEDERAL RULES AND APPLY MY PAYMENT TO MY ACCOUNT OR I WILL GET A JUDGE TO TELL THEM WHAT I AM TELLING THEM. 

I do not wish to hire an attorney and take them to court because it will cost them to defend their position of not applying my payment to my account. This is the company 's last chance to follow the Federal Rules concerning Mortgage Payments. All they have to do is apply my payment to my account WHEN RECEIVED and change the due date to the next month. 

XX/XX/2022 payment has been made, my account should now say XX/XX/2022 is next payment due. Since they tell me all they are doing is Servicing the loan, they are not the holder of the loan, then that would mean that XXXX XXXX still holds the loan. XXXX XXXX had no problem keeping up with my payments. They always sent me a payment coupon with the correct payment due date on it. 

Being the Consumer Financial Protection Bureau you should be able to force them to follow the Rules in handling Mortgage payments. I am not asking you to be my lawyer, I am asking you to enforce the rules already in effect. If I choose to make a Principal Payment, I will note it on the Payment Coupon provided by the company.
Product: Mortgage

Wells Fargo sold my mortgage to XXXX I was a little behind on my mortgage and they wanted me to sign for extended years to XX/XX/XXXX I bought my house in XX/XX/XXXX thats a fifty one year mortgage. And i did not sign any papers so they sold it to XXXX saying i was in Bankruptcy. My wife filed for bankruptcy in XX/XX/XXXX and it was nothing to do with Wells Fargo so how can they say and do this 4 years later and exspecially when it had nothing to do with Wells Fargo. So Wells Fargo is having XXXX as a third party that I pay XXXX more a month than I did before.
Product: Mortgage

DURING THE PANDEMIC I REQUESTED TO A MODIFICATION LOAN AND INSTEAD THE OFFERRED ANOTHER LOAN THAT WOULD INCREASE YER AFTER YEAR. MY LOAN AGREEMENT DID NOT INCLUDED THAT. I FORGOT WHAT LOAN WAS, BUT DID NOT HELP MUCH. THEY CONTINUE INCREASING MY MONTHLY PAY. I HAD ENOUGH. FAY SERVICING IS THE MORTGAGE COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

DIRECT TO EQUIFAX : Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransunionI have called and talked with TransUnion fraud department about suspicious fraudulent accounts and inquiries on my credit report for the third time this year. TransUnion may allow me to dispute accounts but not inquiries one time the next time TransUnion may allow me to dispute inquiries but not accounts. The inaccurate fraudulent accounts and inquiries are listed below have violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. I have a right to privacy under section ( 602 A ) 15 USC 1681 and section ( 604 A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions and permission. 
ACCOUNTS- XXXX XXXXn XX/XX/XXXX {$9700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES- 1- XXXX XX/XX/XXXX 2- XXXX XX/XX/XXXX 3- XXXX XXXX  XX/XX/XXXX 4- XXXX XXXX XXXXXX/XX/XXXX 5- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive tried unsuccessfully to update my address phone number and employment history. 
Correct phone # XXXX Correct employment XXXX XXXX XXXX - XXXX. XXXX Correct Name. XXXX XXXX No consumer reporting agency may make any consumer report containing containing any of the following items of information other than records of convictions of crimes which antedates my report for more than seven years,, 15 USC 1681 C ( AX5 ).

15 USC 1681 s-2 ( AX1 ) states that no one shall furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, Ms. XXXX Incorrect address XXXX XXXX XXXX XXXX, XXXX XXXX Accounts XXXX XXXX. XXXX, XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$17000.00} XXXX XXXX. XXXX XXXX, XXXX {$390.00} XXXX XXXX  XXXX XXXX, XXXX. {$3100.00} XXXX XXXX XXXX XXXX, XXXX. {$1700.00} XXXX XXXX. XXXX XXXX, XXXX. {$0.00} XXXX XXXX XXXX XXXX, XXXX {$2900.00} XXXX XXXX. XX/XX/XXXX. {$1200.00} XXXX XXXX XXXX XXXX, XXXX. {$9700.00} XXXX La. XX/XX/XXXX {$0.00} XXXX La. XX/XX/XXXX. {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX First XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Correct address. XXXX XXXX XXXX XXXX XXXX, Ms. XXXX Incorrect addresses ( 2 ) XXXX XXXX  XXXX XXXX, Ms. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Accounts- XXXX XXXX XXXX {$17000.00} account # XXXX XXXX XXXX XXXX {$46000.00} account # XXXX XXXX XXXX  XXXX. {$1900.00} account # XXXX XXXX XXXX  XXXX. {$3000.00} account # XXXX XXXX XXXX. XXXX {$390.00} account # XXXX XXXX Bank XXXX. {$8000.00} account # XXXX XXXX XXXX XXXX. {$1300.00} account # XXXX XXXX XXXX XXXX. {$0.00} account # XXXX XXXX XXXX. XXXX {$0.00} account # XXXX XXXX XXXX. XXXX. {$0.00} account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 1 ) XXXX  account -is a fraudulent unauthorized account. 
2 ) XXXX XXXX is a fraudulent unauthorized account. 
3 ) XXXX XXXX XXXX- late payments which was paid on time. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

i've sent letters to XXXX, experian, and XXXX on XX/XX/2022. and now on XX/XX/2022 i still haven't received anything in response to the disputes i filed no mail or any updates on the accounts i disputed
Product: Money transfer, virtual currency, or money service

I just downloaded and registered for Venmo. I received my first transfer of money from a trusted source. She tries to send me more money for cleaning services but it shows " error and transaction could not be completed '' I also tried to link my bank account so i can transfer what was sent to me previously, but Venmo FROZE my account because of violation of user agreement. i called support and they told me they were not authorized to explain to why.Which doesn't make sense. How can i prevent this from happening again if I don't know what i did in the first place to have my account frozen? Very very frustrating!
Product: Debt collection

I was told my debt was settled for the amount I paid but its still Showing on my credit report and open date has changed and amount has changed that was not the agreement I had with them and they lied to me and not answering my calls or talking to me
Product: Debt collection

I.Q. Data International - FAILURE TO ACT IN ACCORDANCE WITH FDCPA ( 809 1692g ). 

I.Q. Data International contacted me by phone on XX/XX/19, asserting its authority to collect debt payment of {$980.00} for residential move-out charges billed by an original creditor - XXXX XXXX XXXX, XXXX XXXX XXXX, CA ( part of XXXX real estate holdings ). I previously asserted to XXXX XXXX / XXXX that the move-out charges are unwarranted per our lease contract, that the apartment management did not fulfill its obligations under California Civil Code 1950.5, and that the security deposit amount in their calculation is inaccurate. 

We have received no written verification of this debt from I.Q Data International at the correct addresses we provided to both I.Q. Data International and the original creditor. 

Debt verification requests were made by phone on XX/XX/19 and also by USPS certified mail. The I.Q. Data International agent claims that no certified letter from me has been received by I.Q. Data, despite USPS confirmation of delivery. 

We believe that failure by I.Q. Data International to provide timely written debt verification and failure to acknowledge / act upon delivery of our certified letter are in violation of the FDCPA ( 809 1692g ). 

Attn. XXXX XXXX XXXX / XXXX - you are identified here because you have under-represented our security deposit amount, did not inspect the apartment as required under California Civil Code 1950.5 prior to making cleaning/painting charges, and charge unwarranted administrative fees.
Product: Debt collection

When the auto accident happen, I provide them with all the insurance information. I had XXXX  and XXXX at the time of the incident. I spoke with XXXX and they said for the provider to re bill the services and they never did. Now years later they want to send me to collections when its passed the 5 year limitation and federal law says that as a XXXX recipient I am not the pay or of last resort. They are. I do t know why I am even in collections and they are missing up my credit with the negative remarks. XXXX  dispute system doesnt work. They didnt even attempt to read my dispute or look up the laws I am telling them about.
Product: Mortgage

I have loan with new rez LLc, and in XX/XX/XXXX they asked me to pay XXXX USD but in XXXX they took XXXX USD. I have no idea why did they increased money on my mortgage and also reported same money to credit buero. 

I tried calling them every month and they said they will send escrow analysis but they nevr send neither they clarified why they increased XXXX dollar per month without any notice. the customer services only said its company policy and now its XXXX end XXXX and i still pay higher mortgage. it all happened without my consent or agreement as a result i lost two things - first my monthly house hold bill increased to XXXX 2nd my next mortgage capacity limit is reduced to XXXX as XXXX increased in monthly loan with my good credit rating will reduce my borrow limit of XXXX. 

as per current market rates where builder increasing their seller price up to XXXX XXXX every month. I could find myself in suitable situation to get a good bowering capaicity as builder is increasing property rates. 

I need concerned authority to take care my money and time loss due to negligence of new rez company.