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

In accordance with the Fair Credit Reporting and XXXX Account, Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to my 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.
Product: Credit card or prepaid card

Chase recently mailed notices regarding changes to its card member agreements. It stated that account holders will be subject to binding arbitration unless a written opt-out letter is sent to an address in Delaware. It also included language with regards to the Military Lending Act. 

According to the MLA, a creditor is not permitted to force active duty military consumers to arbitration. However, I have been told I am not covered by the MLA because I opened my credit card accounts before the XX/XX/2017 date when Chase began compliance with the MLA. Therefore, I am subject to the changes regarding arbitration. I have read over the MLA, and it states that a consumer is covered borrower if the consumer is active duty when 1 ) the consumer becomes obligated on a consumer credit transaction or 2 ) establishes an account for consumer credit. According to Chase, I don't qualify for the 2nd condition because I opened my account prior to the compliance deadline. I don't quite understand the 1st condition, but if I use my credit card after the compliance date, am I no longer obligated on the transactions on my credit cards because Chase says my accounts don't qualify for MLA? Or put differently, I am XXXX XXXX military so don't I become a covered borrower when I use the credit card because I am now obligated on the transaction?
Product: Money transfer, virtual currency, or money service

I have an online savings account with Ally Bank. 
On XX/XX/XXXX, there was an unautorized transfer of {$2300.00} from my Ally savings account into an account with XXXX. The XXXX account was created in my name without my knowing. 
I disputed the transaction with Ally Bank, notifiying them I did not authorize the transaction, nor do I have any association with XXXX. Ally Bank denied my dispute, but have not given me a specific reason why, other than saying I'm affiliated with the XXXX account. 
I have called Ally several times, reiterating whoever opened the XXXX account used my name, but it wasn't me. The money was stolen. I have gotten no where with them. 
I can not get ahold of anyone at XXXX. I have spoken with someone on the phone one time, but they needed more info, and were unable to help me. I have very little info ( because it's not my account ), so I continue to hit deadends. 
I have filed a police report with my local XXXX Police Department.
Product: Debt collection

FIRST FEDERAL CREDIT COLLECTIONS has violated Federal laws concerning the use of private information, FIRST FEDERAL CREDIT COLLECTIONS is reporting a medical debt on consumers ' reports, Requesting validation of how the consumer is responsible for paying this ALEDDGED debt and how consumer private information was obtained. 

If FIRST FEDERAL CREDIT COLLECTIONS isn't able to provide said items, negative accounts must be removed immediately according to FDCPA Because this has been an ongoing issue, consumer is advising FIRST FEDERAL CREDIT COLLECTIONS HAVE 3 DAYS TO REMOVE DEBT. 

Consumer has attempted to resolve this matter for several months, I will be filing form 211 treasury omb forms to audit consumer account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance withfair credit reorting the list of accounts was violated my federaly  protected consumer rights privacy and confidentially under section 15 use 1681                   
15 use 1681 section 602 A states i have the right to privacy   
15 use 1681 A section 604 section  2  it also states a consumer reporting agency cannot furnish a account  with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting  by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate. 
XX/XX/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, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute with Equifax over multiple inquiries on my credit report. On the same day, they closed the dispute without any investigation taking place. Under Section 611 ( a ) ( 1 ) of The FCRA the CRA XXXX Equifax in this case ) is required to conduct an investigation or delete the item within 30 days of ANY information they are notified may be incorrect. When I called Equifax to inquire why an investigation had not taken place, they told me that I could not dispute inquiries and to contact the companies I have never done business with to remove them. The FCRA places no such burden on me as a consumer to do this. The burden is placed on the CRA to conduct an investigation or delete the item, period. XXXX v XXXX is a court case that has this exact same scenario and the court said that under Section 611 the CRA has to investigate inquiries.
Product: Mortgage

My loan with XXXX was transferred to Mr. Cooper on XX/XX/XXXX. I had made a {$23000.00} payment on XX/XX/XXXX to bring my balance down to 78 % of the original loan value. I have been trying to get the PMI removed on my account. I have met all the criteria of the balance being under 80 % of the original loan value, all payments were made on time and payments were over the amounts that were due. I have asked Mr. Cooper to cancel the PMI but they said that I don't meet criteria and that my home has lost value so that I now need a new appraisal done in order to have this cancelled. I paid {$330000.00} in XX/XX/XXXX for a home with XXXX acres and they are saying that in this real estate market my home has lost value. I also get advertisements from them stating that I have {$170000.00} in equity in my home so now I should think about refinancing. I was told that the investors are the ones that are making this decision about the appraisal. I would like to know if this is something that they can do or if I fall under the Federal Homeowners Protection Act? Please let me know as soon as possible. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call on XX/XX/XXXX. It was from someone who helps veterans stay up to date on changes in benefits. In this case, a man asked me if I was aware of some new legislation regarding VA loans, and he asked if I was interested in learning more about refinancing. I've already refinanced recently but I thought I'd humor them anyhow since information wouldn't hurt. He directed me to XXXX XXXX ( XXXX XXXX, CA ), where I believe I talked with XXXX XXXX ( XXXX ) -- I think I was redirected through the call I was with him on ; XXXX XXXX XXXX number is XXXX. She collected information from me. I also talked to a man on XX/XX/XXXX ; I believe he was " XXXX '' ( XXXX ) a manager according to XXXX -- though the number the call came from was XXXX. At no point in either conversation did I explicitly consent to a hard inquiry. I wasn't under the impression that they were going to do that. Yet, on XX/XX/XXXX, I checked my credit report and found an inquiry dated XX/XX/XXXX from " NP INC '', an entirely unfamiliar entity. I talked to XXXX again a few times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). She was helpful and eventually directed me to XXXX for assistance. I called him twice that week ( XX/XX/XXXX and XX/XX/XXXX ) and left a message. He never returned it. I tried contacting the bureaus and filing disputes, but it didn't work. The inquiry is still there, and I still want it gone. Furthermore, they also did a hard inquiry on my wife 's credit report. She wants that removed as well.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

Citibank was offering a promotion of {$300.00} cash to customers who opened a new bank account with a deposit of {$100000.00} for 60 days. I took them up on the offer, and after 60 days, I asked them where is my {$300.00}. A Citibank representative replied that I had to give them 90 days for the cash to appear in my account. On XX/XX/2021 which was 90 days later, I still did not receive the cash that was promised so I called again, and a representative said that she looked into it and would put in a request to expedite my payment. The next day still nothing happened, so I called in again, and a representative said I would get my {$300.00} no later than the following Monday XX/XX/XXXX. Well the following Monday came and went and still no payment. I called again Monday evening but couldnt reach anyone. Then I called again Tuesday, and a representative put me on hold, but then the call was dropped. I had to call back again three more times on Tuesday before I could get someone on the line to investigate my case. Finally a representative said that the funds would be released. I was furious that I had to call and waste so much time and effort to get money that should have been automatically paid to me. I told her that she should offer me compensation for my trouble. She asked me what would I want. I said I wanted the equivalent of a free airline ticket which I thought would be letting them get off lightly since many other banks have offered as much as {$3500.00} in their promotions to get new private client customers. She called me back and said she could offer me {$30.00}. I was absolutely furious when I heard that. She then transferred the call to her boss who was resistant to offering anything at all. I have never been so insulted and XXXX off in my whole life dealing with customer service. The next day they left me a message saying they put {$100.00} in my account as an apology. I still dont think {$100.00} does justice to this wrong. This whole episode proves to me that Citibank lies to its customers. They promise one thing, but unless one is willing to chase down the funds promised, they will renege on the promise. I have no doubt that if I didnt call persistently, I would have never received the {$300.00} owed me for parking my funds there.
Product: Credit card or prepaid card

I was a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit card

On XX/XX/2024 I went to Ashley Furniture in XXXX Utah and applied for credit with Synchrony Bank. After I filled out the application I was advised more information was needed by Synchrony Bank. Ashely rep contacted Synchrony Bank and I spoke with a man who verified my full name, date of birth, address, phone number and full SSN. He then advised more info was needed and sent me a link to upload my photo id and take a video in which I did. I then called and was advised by a Synchrony Bank rep that application is under review and I will be notified in 7-10 as their decision. I received a letter on XX/XX/2024 that my application was denied due to unable to confirm my identity. When I called to ask how Synchrony Bank is unable to confirm my identity no one has a answer. If Synchrony Bank can not confirm my identity then I should not have a hard inquiry on my credit report. I am requesting the following information from Synchrony Bank. 

1-The exact reason as to why Synchrony Bank can not confirm my identity an what data bases they used. 
2- The removal of the hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Chexsystem have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.
Product: Credit card or prepaid card

My credit score is Excellent, averaging about XXXX. I applied for a Capital One card and was denied a card without explanation, even though Capital One 's credit reporting tool, Credit Wise, showed I had an XXXX credit rating with no defaults, bankruptcies, unpaid accounts, etc. This denial is hurting my credit and is unsupported by the law or facts.
Product: Debt collection

Two back to back phone calls on XX/XX/2017 at XXXX They call around every 3 hours Mon-Sat The creditor is Discover credit card.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX date of Birth : XXXX IDType : identification cardIDNumber : XXXX Address : XXXX XXXX XXXX XXXX KS 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 Experian credit reporting agency, 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 XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$52.00} These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

Mariner Finance contacted me today and left a message stating that they need to hear back from me today
Product: Credit reporting or other personal consumer reports

The personal information on my credit profile is incorrect on my Equifax XXXX XXXX Report. Please correct the name and address and remove the employer accounts.
Product: Debt collection

my name is the XXXX my biological father he is the same name sake except he is XXXX and he has used my social security number and an old license to get a XXXX Cell phone or something I am not sure for years I have been trying to get this off my record Convergent outsourcing INC they have not only lied about the debt but they have changed the name of their company and everytime they change companies or buy it from another person they add a new date as when it was closed reguardless I have a XXXX cell phone myself and I have had the same cell phone number for at the least 10 years it was opened in my XXXX by my mother under her name but the number has been the same I have tried to fight this over and over but they find ways to put it back on there I even had them on the phone XXXX verified the length of my cell phone number history and admitted it was not me but then they sold the debt to XXXX and again I stated the same and went through the process and again I was going to do it on Convergent Outsourcing INC online but it is a trick if you file a claim online you have to agree to owing the debt or knowing whos debt it is mighty slick but I am not going to do it this is not fair I cant get it off and they wont talk to me unless I admit its my debt which it is not I want them to take this off and I will not admit to owing money that I do n't even know where or when it came from but this has been a 7-8 year struggle anyway I try they switch the account once they know it is n't mine or they hang up on me after about an hour of arguing back and forth I am getting married and will not have this happen much longer so is there something you guys can do to help or do I take them to court???
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for fraudulent accounts on my credit report. These accounts have not been deleted. 

XXXX & Equifax : XXXX XXXX {$120.00} XXXX XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice and highlighted that XXXX & Experian is indeed inaccurately reporting this account. I demand verifiable, irrefutable and undeniable proof that shows evidence of said reporting. 

15 U.S. Code 1681e - Compliance Procedures. LII / Legal Information Institute, XXXX. 

If this can not be furnished, by law this needs to be updated to never late and reporting in good standing immediately for Experian & XXXX. 

XXXX Account # XXXX Experian Date showing - XX/XX/year> - Inaccurate XXXX showing - XX/XX/year> - Inaccurate XXXX - Reporting Accurate as " Never Late '' I will provide screenshot of report attached to this report. As you will see the two credit reporting agencies are not reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency continue to replace a fraudulent account that going from one entity to another with out premission or consent to share private information and reports these this company even though there is no lawful contract or even consent for the party to have private information. Ive sent cease and desist and deletion testimony to the partys and all they do is remove one then allow and other company to report this fraudulent and unlawfully information and now is resulting in identify theift the because I never gave consent or permission for these other agencies to share private information
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see unauthorized inquiries on my credit report, which I can't explain. I checked my report as usual, only to find unexplained discrepancies that werent there before. After refreshing my browser in hopes it was an error, I saw the entries were still there. I need an immediate and thorough review of my submitted documents, so I no longer have to worry about this issue.
Product: Mortgage

In XXXX my subdivision had floods and affected XXXX of the houses. we could not get any one to buy our property so we put it on short-sale. The bank did not approve the sale and instead initiated a foreclosure sale on the property. in XXXX XXXX the property was fore-closed. later the XXXX mortgage was reported on our credit report as unsecured loan with each month reporting late. we have tried to resolve with the Bank but they have continued to say we owe them on the XXXX mortgage.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES 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 XXXXXXXX XXXX, and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 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 and XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Debt collection

Several request have been sent to validate this unknown item that is listed on my personal credit file. A request for proof of ownership, signed authorization etc. was submitted and nothing has been received. Please assist me