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. 
XXXX  XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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 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 have made several requests to have incorrect name spellings removed from my report I have made several requests to have incorrect addresses removed from my credit report. 
I have made several requests to have alias and alternate name listings removed and they remain. 
Errors have not been removed
Product: Checking or savings account

As always each month, I make a transfer of interest earned on my savings account to my checking account to help me pay my monthly bills. I am a retiree and I am on a fixed income. 

When I entered my account access credentials as usual, I was frozen out of my account at Synchrony Bank and told to call a number at the Bank. 

When I spoke to the customer service agent, and after answering several questions to verify my identity, she verified that the username and password I used to gain access WERE CORRECT! I also told her that every device I used to gain access to my account resulted in the same account blocking result. 

When I asked to have the problem resolved over the phone, she told me no. Her manager, for whom i waited over 35 minutes on the phone, XXXX XXXX also refused to help resolve the problem over the phone. Then his manager, XXXX XXXX, also refused to help me resolve the access problem while I was on the phone. 

Instead I was told I would not have any online access to my account while the bank took 5-7 business days to " investigate the problem. '' Surely, freezing my account without a court order violates one of the many Bank Regs that exist and I am indignant that they can get away with this. 

Please censure this bank, the individuals named above, and demand that they explain in an apology letter to me what happened, how it happened and what needs to occur so that I am not illegitimately denied online access to my funds again.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a new complaint regarding the persistent issue of a fraudulent XXXX XXXX  account ( Account Number : XXXX ) on my credit report. Despite my repeated attempts to have this account removed, it remains on my credit report and continues to cause significant harm to my creditworthiness and overall quality of life. 

My previous complaint ( Complaint Number : XXXX ) submitted on XX/XX/2024, addressed this same issue. However, the response from TransUnion and XXXX was unsatisfactory and did not resolve my concerns. Instead, they mistakenly referenced a XXXX XXXX XXXX account, which is unrelated to my dispute. This error indicates a lack of thoroughness in their investigation and response. 

To reiterate, this XXXX XXXX  account was fraudulently opened in my name without my consent. I have already filed a police report ( Report Number : XXXX ) documenting the fraudulent activity. Despite providing this information and repeatedly requesting the original signed contracts for the disputed account, I have not received any satisfactory resolution or response. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If TransUnion can not provide signed, original contracts correlating to the account in question, they must delete the items from my credit report. 

The persistence of this fraudulent account on my credit report has severely impacted my ability to find housing and secure loans, causing undue stress and hardship. I urge you to thoroughly review my case and ensure that the necessary actions are taken to remove this account from my credit report. 

Additionally, I request an updated copy of my credit report once the investigation is complete and the fraudulent account has been removed. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX my ex Husband Quitclaimed The family Home to Me as we were divorced since XX/XX/XXXX I decided to get a Title search on the Home.I have No contact with My ex-husband Whatsoever And Went through a terrible Divorce so I Had No reason to trust any transactions He made.When I received The Title Search on XX/XX/XXXX I was shocked to discover My Name had been Quitclaimed off of the Home on XX/XX/XXXX, The signature on the Quitclaim Deed is an obvious Forgery and forged by My Ex Husband as it is His Handwriting not Mines.My Exhusband then put the property into a Trust then again changed the Title by Deeding the property To Himself and His new Wife on a Grant Deed as Community property.After removing My Name Illegally from The Family Home He along with his New Wife took out 2 ILLEGAL LOANS! One in the amount of {$410000.00} and the other in the amount of $ XXXX.Shocked and furious Me And My Daughter went To Chase Bank To Complain About these 2 ILLEGAL LOANS I DIDNT SIGN MY NAME ON THE QUITCLAIM DEED SO THE LOANS ARE FRAUDULENT THE TITLE IS CLOUDED.We spoke with a Rep in the Loan Dept He promptly called His Superior Who Told Him to tell Me They DIDNT CARE IF THE LOANS WERE FRAUDULENT THEY WERE GOING TO COLLECT ON THEM REGARDLESS! So I Had No choice but To Go To The Real Estate Commercial Fraud Division of the XXXX.I have A Real Estate Fraud Case with the XXXX right now The Detective was able to Establish The Quitclaim Deed was Fraudulent by contacting The Notary named on the Document, The Notary told the Detective That He Never Met Me in His Life and He did A line Item Search and Found NO ENTRY OF THAT NOTARY SEAL.I went to the XXXX to Obtain the Real Estate Fraud Report on XX/XX/XXXX, The only thing the XXXX established is that the Quitclaim Deed is Fraudulent therefore The 2 loans Aquired after the Fact Are Also FRAUDULENT but that was it! 3 Detectives Later Chase Bank is Now Attempting An ILLEGAL FORECLOSURE ON MY HOME.Now Trustee Corps a DEBT COLLECTION AGENCY SENT ME A NOTICE OF DEFAULT on XX/XX/XXXX! This Debt Collection Agency is attempting To Collect On A Debt that is Related to A FORGERY, In Violation of THE FAIR DEBT COLLECTIONS PRACTICES ACT, Also Penal Code 119 paragraph A that Says it is a FELONY TO RECORD FRAUDULENT DOCUMENTS AT THE COUNTY RECORDERS OFFICE.I would appreciate Assistance As This Has Escalated Into An Emergency I Need Chase Bank To Shut Down There ILLEGAL FORECLOSURE ATTEMPT ON MY HOME.The Sale DATE FOR THE ILLEGAL SALE IS XX/XX/XXXX!
Product: Mortgage

I have requested US Bank for a retroactive adaptation or deferment that is applicable to my contract, and since XXXX I have requested that evaluation. It was never my intention to have a delay, but an error with a check caused that. 
I believe that my request is justified because it is part of my contract, and also because I am trying to correct the problem in the shortest period of time and take care that the bank is not affected either.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX ( a division of XXXX XXXX  ) for their failure to correct inaccurate credit reporting that has caused severe financial harm to my credit score. 

I financed a XXXX  XXXX XXXX through XXXX XXXX XXXX Account # XXXX ). 
Due to being a victim of fraud and grand theft, I temporarily paused payments after discussing with the XXXX XXXX State Attorneys Office that the criminal responsible was expected to pay restitution directly to XXXX XXXX as part of a plea deal. 
I notified XXXX XXXX of this information, and after legal delays in the case, I noticed they reported my account as 60 days late, which immediately dropped my credit score by over XXXX points. 
The second I noticed this, I brought my account current per our agreement, yet XXXX XXXX still refuses to remove the late payment designation from my credit report. 
My official loan statements from XXXX XXXX show my account as never late, yet they are reporting false information to credit bureaus. 
They initially agreed to discuss a settlement, but after I proposed a lower amount, they reneged the settlement offer and continued to harm my credit standing despite my good faith efforts. 
This inaccurate reporting has made it impossible for me to obtain fair financing, as my credit score has dropped from around XXXX to below XXXX, despite my loan being current and in good standing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am fortunate to be a survivor of debt bondage, a form of XXXX XXXX XXXXhat coerced me into accumulating debts. Unfortunately, this has resulted in derogatory marks on my credit report. I am currently receiving invaluable assistance from a representative at the XXXX XXXX, an organization devoted to aiding XXXX  XXXX  survivors. Together, we are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to XXXX  upon the filing of an official claim.
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 USC 1681.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I filed a complaint to you against Bank of America and you sent me the following response : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. Bank of America has not explained everything or finished their response and you have not sent me an update and I am wandering if you have one especially since your statement says they have provided me with a " partial response ''.
Product: Payday loan, title loan, personal loan, or advance loan

Company is refusing to grant request to XXXX request under the XXXX XXXX XXXXXXXX XXXX. XXXX  orders was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX  advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called XXXX  three times with no success
Product: Credit card

I got a message from Bank of America about few charges asking if I had made them and that the charges were on hold. 
I reviewed the charges ; i did not make them as they were in different cities than I was currently living in. 
I disputed those charges. After a month, I was told I have to pay for them I called the Bank of America and told them I was not in the location of those charges. 

They wanted me to file a police report and provide video evidence of all those multiple cities, but they fail to provide the timestamps of the charges. 

The police of all different cities have different protocols, and nobody is able to help as I reside in XXXXXXXX XXXX but the charges are made in XXXX different cities and XXXX  does not have jurisdiction to review footage or request. The XXXX XXXX wants XXXX, not me, to request footage. 

If a citizen has to do all the investigation of theft, then what is the point of having law enforcement. and shouldn't the bank be obliged to give provisional credit based on Reg E/C code?
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 
I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENTS. PLEASE DELETE THIS ACCOUNT IMMEDIATELY, AND EXPLAIN WHY XXXX INVESTIGATIVE RESULTS REPORT IS SHOWING DIFFERENT RESULTS THAN YOURS. 
I ALEDGE THAT EXPERIAN IS CHANGING ACCOUNT NUMBERS AS MY INITIAL DISPUTE OF XXXX XXXX, # XXXX, REFER TO ATTACHED DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX. I CLEARLY DISPUTED THE ABOVE ACCOUNT AS XXXX XXXX, # XXXX. 
PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The Equifax and XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX ( Original Creditor : XXXX WXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$990.00} ; XXXX XX/XX/XXXX
Product: Mortgage

XX/XX/2021 I have two inquires for a home refinance ; according to your rules this was refinance 0n my current home and they happen in the 45 day window I should only have one inquirey.. 

Companies involved 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 card

XX/XX/2023 I used Affirm credit ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ) to purchase a product that I did not receive and what I did receive was incorrect and not functioning. When I contacted Affirm they said they could not help since it was over 30 days. 

The company they provided me financing for was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX I submitted a complaint by phone after having issues reaching someone at Affirm. They said it would be a month until they would know something, meanwhile, I am still forced to make payments to them for this product that I did not receive. 
I have complained by phone several times about the company they are supporting and financing their products that are not functional.
Product: Debt collection

arg is desribing what they did to me by disclosing this info in description of services provided which violates hipaa rules as to my condition and opens them up to lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is reporting that I was 90 days late on my student loans in XXXX 2011. I have mailed letters and have contacted The XXXX XXXX XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that The XXXX XXXX XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. The XXXX XXXX XXXX do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the The XXXX XXXX XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up this morning to XXXX new inquires on my credit report that I do not recognize all being on the date of XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE XXXX XXXX XXXX I am not sure if any amounts for I received notifications of new inquires
Product: Checking or savings account

I had a business checking account with US bank NA. On XX/XX/XXXX, I deposited a check of : {$260000.00}. On XX/XX/XXXX, I deposited another check of : {$26000.00}. On XX/XX/XXXX, I deposited another check of : {$360000.00}, the check of the {$360000.00} was returned as irregular signature because the issuer and signer of the check had XXXX  XXXX XXXX XXXX XXXX  which caused her signature to not be accurate. I have spoken to US bank severally about this and even the issuer of the check has spoken to them. The check of {$260000.00} and {$26000.00} cleared respectively but because the check of the {$360000.00} was returned, US bank decided to close my account. I was told the account would be closed by XX/XX/XXXX and a check would be mailed to me for the balance of the checks that cleared. XXXX XXXX, my business checking account was closed but the balance on my account was not mailed. I gave them a call back, I was told they they had instructed a branch manager by the name XXXX XXXX to issue me a check for the balance on the account before it was closed but I was informed the said branch manager was on vacation until XX/XX/XXXX. I went inside of the branch to meet the branch manager XXXX XXXX to inform her about the instructions I had heard from their Customer Compliance Department for her to issue me the check for the balance on my account before it was closed, she confirmed to me that she received the email but she did not have the authorization to issue me the check, I asked her what was going on, she told me their risk department had not released my funds and she hadnt heard from them. I waited for another week hoping to have information, but nothing. I kept calling XXXX XXXX to give me the direct number of the risk department but she said she couldnt and that she would follow up with them and asked me to keep calling her. Every time I call her back, she finds it hard to speak with me and she tells me she hasnt heard anything from the risk department. I asked her, why did you close my account if your review was not over? Now, I cant see my money and none of you is responding to me with information. Up until this moment, I keep calling them and no one seems to know what is going on and no one is answering my calls or questions. I need my money back to continue with my XXXX
Product: Credit card

On XX/XX/XXXX I made a purchase of a mattress and an adjustable base. 
Order XXXX Customer No. XXXX opened up a credit card and I was given special financing. 
However, after a year several holes developed on the mattress. I reported to the store and at XXXX they denied that it was an issue. I reported it to the XXXX XXXX XXXX and it took them XXXX months to settle case XXXX and they picked up the bad mattress and exchanged it for a new one in XXXX of XXXX. During this period I did not make any payments since the product purchased was defective. They have now charged my Synchrony Home Credit Card # XXXX XXXX XXXX XXXX a {$1000.00} of interest. 
This is insane. It was poor merchandise that I didn't pay my bill. Since the exchange, I have resumed making my monthly payment as agreed. 

I need to have the {$1000.00} reversed and the period that I was disputing the quality of the product re-instated to my interest free terms. 

THIS PURCHASE HAS BEEN A NIGHTMARE WITH THE STORE AND THE CREDIT CO. I called Synchrony customer service to explain the situation and they didn't want to assist nor listen to my explanation of the issue with poor product. 

Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX IL XXXX
Product: Mortgage

Hello my name is XXXX XXXX, I usted have a mortgage loan with Carrington mortgage, and they reported that I missed a payment in the month of XX/XX/2020 when I was in forbidden do to the coronavirus ... I call several times and they have everything in records but they have not sent anything to the credit board ... I don't understand why this company can do something like this and know about it and don't have any intention to fix the issue, is all in records. 
In my opinion this is retaliation because I refinance with a different bank. 
Is not acceptable ...