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

under 15 USC 1681. 
Account name : bridgecrest acct # XXXX Account name : Bridgecrest acct # 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 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2023 I underwent XXXX. The following day on XX/XX/XXXX to, I had a police officer, call me from the XXXX Police Department number. Claiming that I had missed a trial date in which I was supposed to be an expert witness for. The trial had to be postponed due to this, resulting in a to, I had a police officer, call me from the XXXX Oregon Police Department phone number. Claiming that I had missed a trial date in which I was supposed to be a expert witness for. The trial had to be postponed due to this, resulting in a judge filing a failure to appear charge. I work in the XXXX XXXX as a XXXX so it wouldnt be unusual for me to be a expert witness. Recently, I had submitted reports to DHS about several of my patients parents. I thought this court case most likely had to do with these reports. I was instructed that I would have warrants out for my arrest if I did not pay the fee of this charge. I was on strong painkillers, and was exhausted from XXXX the night before. I was under the influence of pain pills, as well as coming off XXXX and ended up paying this police officer {$2000.00} with XXXX, as well as {$500.00} on XXXX. 

Me and my mother also contacted XXXX immediately. And I was informed that I would need to contact my bank for a refund. 

Me and my mother contacted my bank immediately after I made this transaction. We were informed by my bank that they would refund the {$2000.00} from XXXX but were unsure if the XXXX charge of {$500.00} would be eligible for a refund. They also replaced my credit card and debit card and shut down my bank account activity. 

The police was also contacted, and a police report was made with a case number of XXXX XXXX. 

After I regain access to my bank account and was feeling much better I notice that the {$2000.00} charge from XXXX was still on my account. I contacted my bank and they stated that since I manually paid this person this charger is not considered fraud, and therefore is not covered by my bank. They informed me to contact this website for next steps to get my money refunded. 

I feel that this should be considered a fraudulent charge since I was under the influence, and was not a sound mind to understand that this was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I submitted a payment of over {$4000.00} to Bank of America. Said payment was misapplied and I was told that the problem would be remedied. It was not or at the very least, not in a timely manner. This caused my account with them to have several late payments and fees as the amount I was paying didnt cover the amount they thought I should be paying. I have had several accounts with Bank of America for over 17 years and until this, had a stellar credit rating, This error has resulted in my credit score dropping by almost 100 points in three months.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that are inaccurate.

This agency is in violation of 15 USC 1681i, in your response to my dispute you claimed that the account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you have validated inaccurate information and this account is hereby disputer.

The information on this account being furnished on my consumer report in fact is inaccurate.

15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 of 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting!

DELETE this account from my consumer report XXXX XXXX
Product: Mortgage

I received a notice on XX/XX/XXXX that servicing of my loan would be transferring to a new servicer. The letter is dated XX/XX/XXXX. This was the sole notification I received. The effective date is XX/XX/XXXX. The letter states that my old servicer, Union Home Mortgage will stop accepting payments received XX/XX/XXXX and beyond. I have a payment due XX/XX/XXXX. I attempted to set up a login with the new servicer, Nationstar Mortgage LLC d/b/a Mr. Cooper, with the loan number provided and their online access did not recognize the loan number. Additionally their customer service line wouldn't connect me with a representative because it does not recognize my loan number. I have 1 week to make arrangements to get the payment to the new servicer, with whom I can not set up an online account, and can not reach a representative via their customer service telephone line. They do offer the mailing address for the new loan servicer, but due to security concerns and inconsistencies with XXXX, I do not want to remit payment to them via check by mail, nor does it seem correct to mail a large payment to a company that can not demonstrate to me that they are in possession of my home loan. 

The letter does state " XXXX XXXX law, during the 60 day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before it's due date may not be treated by the new servicer as late, and a late fee may not be imposed on you. '' However, this then requires me to make payment on my loan EARLY, by special arrangement to my existing servicer before the loan is fully transferred, assuming the borrower has the funds available. If I make normal payment, it will be rejected by the current servicer per the cutoff date rendered above. The statement does not give a 60 day allowance for late payments to the new servicer due to inability to set up proper payment, and no information or stipulation is mandated to the two servicer to give the borrower to provide sufficient lead times for them to make such arrangements. 

The transfer of loan servicing is obviously done with some financial incentive for the loan companies at the detriment and expense of the borrower. I assume some financial gain is made by the loan companies on either side of the transaction, of which the borrower does not benefit at all. In fact, the transfer is arduous to the borrower, who is left with the administrative burden of setting up a relationship with the new servicer, ensuring payments are made on time, ensuring insurance companies have been properly notified, and in the following year additional tax forms to cover the entire year from both loan servicing companies. They are also solely held responsible for the consequences of late or missed payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is violating the Family & Education Act of 1974. The Privacy Act.

When I signed up for student loans, I signed a Privacy Act form that said the school will not provide my transaction history to any 3rd party companies. They have updated my account to paid or closed as in charged off but has negatively reported XXXX late payments. They have also been on my credit report longer than 7 years. They have been reporting since XXXX but makes it seem as if the account is younger by starting the reporting in XXXX and XXXX. They are reporting wrong payment information as my last payment was not in XXXX. They only reported it as such to continue to maliciously report on my credit report for XXXX more years starting from XXXX. 
Also, since the account is charged off they are reporting income per IRS Publication XXXX. 
Lastly, they are violating the Opt Out Act 15 USC Code 6801-6805. These violations have caused me emotional distress with the apparent predatory reporting to hurt me.
Product: Credit reporting or other personal consumer reports

I like to check my credit report periodically but cann never gain access via online. I have an established account and every time I try to login regardless of when, it suspends my account after providing my information. This has been going on for a year with Transunion. I always have to call to speak with some during business hours to reset my password. After doing so when I log back in later it's the same thing. The purpose of the online account is to have access at my fingertips. Even when I follow their verification protocols online its says it cant verify me. Its ridiculous not to mention after my account has been frozen they have applied things, which I'm disputing. They need to thoroughly investigate before callously putting things on reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative item on my Fica Experian Report. The Account is with XXXX XXXX - XXXX XXXX Account # XXXX mortgage Account. 
it's a second mortgage. 
This account Original creditor was XXXX XXXX XXXX  it was sold to a company that sold it to the above mentioned Creditor. This account was Discharged in Bankruptcy XXXX XXXX XXXX XXXX. Final Decree It is ordered that has been fully administrated. Chapter XXXX  discharge. 
Dated XX/XX/2011. XXXX XXXX can not give any payment updates or anything to any of the credit reporting Agencies.They have not corrected this!
Product: Credit reporting or other personal consumer reports

After examining my Consumer Reports, I discovered four instances of late payments on an account where I have always been punctual. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. I've consistently made timely payments for my XXXX XXXX account, starting with XXXX XXXX I urge you to investigate this matter and furnish proof, such as statements, demonstrating the alleged late payments. If such proof can not be provided, I request that these payments be corrected to reflect their accurate, on-time status, as I have never missed a payment. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX WITH NO Account number XXXX  with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/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

This XXXX XXXX XXXXXXXX credit card is fraud and was open fraudulently all of the transactions done with this account was not authorized by me
Product: Vehicle loan or lease

ON XX/XX/XXXX i enter into a contract with chase auto. to make a long story short I overstand what the federal reserve act section 16 explains when it comes to application & promissory note. so with that being said on XX/XX/XXXX AROUND XXXXXXXX XXXX I SENT MY FRIST NOTICE CERTIFIED MAIL ON XXXX XXXX AT XXXXXXXX XXXX  SOMEONE SIGN FOR IT. SENT OUT ANOTHER LETTER ON XXXX XXXX AT XXXX. ON XX/XX/XXXX AT XXXX XXXX SOMEONE SIGN OFF FOR THE MAIL AGAIN.LAST LETTER SENT ON XXXX XXXX AT XXXX XXXX. ON XXXX XXXX AT XXXX SOMEONE SIGN OFF AND ONCE AGAIN NOTHING FROM XXXX XXXX XXXX. NOW I HAD RECEIVED A LETTER FROM CHASE ABOUT MY LETTER FROM SOMEONE WITH THE FRIST NAME XXXX REFERENCE # XXXX I WILL JUST ADD THE DOCS SO YOU CAN READ IT HE IS NOT THE CFO I OVERSTAND THE FEDERAL RESERVE ACT, THE BILL OF EXCHANGE ACT, CONSUMER CREDIT PROTECTION ACT
Product: Checking or savings account

There are five invalid transactions showing on my bank statement and I would like to get it fixed as soon as possible. On XX/XX/XXXX, {$20.00} was deducted for American wager XXXX NY, which I am completely unaware of. Second transaction occurred on same day, it was {$5.00} deducted for XXXX XXXX Third and fourth transaction took place on XX/XX/XXXX. It was {$25.00} that was deducted for XXXX XXXX XXXX XXXX and {$5.00} was detected regarding XXXX XXXXs. Last but not least, today a new transaction occurred for XXXX XXXX  and it was {$25.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax, and XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX, a student loan account opened at US Dept of ED/XXXX XXXX XX/XX/XXXX under the account number starting with XXXX, Dept of educationXXXX XXXX XX/XX/XXXX under account number starting with XXXX, XXXX XXXX XXXX opened under account number starting with XXXX, and a collections account opened at Western XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$2600.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$740.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1200.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$680.00}, a collection account opened under account number ending with XXXX at The XXXX XXXX XXXX on XX/XX/XXXX XXXX a balance of {$270.00} that appears related to the aforementioned personal. Also inquiries from 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I tried to use Rocket Moneys bill negotiation service but my bill ended going up! They want to claim I was on a promotion but since I was on the XXXX program, there was an automatic plan offered by my internet provider once it was discontinued. I even showed Rocket Moneh proof my bill went up. I cant afford to pay Rocket Money for a bad negotiation!! They ended up raising my bill and now they want {$100.00} for a bad faith negotiation.
Product: Checking or savings account

Attempted to contact PNC by phone several times between XX/XX/XXXX and XX/XX/XXXX. Was not able to get through to a representative. Also, PNC stopped allowing communications through secure message due to their workload. I was attempting to close my account. 

On XX/XX/XXXX a monthly service charge of {$25.00} was assessed to the account. I have requested by phone on XX/XX/XXXX that the fee be reversed. The representative informed me that they could not reimburse the fee and could not transfer me to a supervisor.