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

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW XXXX XXXX XXXX OPENED XX/XX/XXXX FOR {$130.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX FOR {$230.00}, XXXX XXXX  OPENED XX/XX/XXXX FOR {$240.00}, XXXX XXXX XX/XX/XXXX FOR {$190.00}, XXXX XXXX XX/XX/XXXX FOR $ XXXX LAW WHEN A CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Student loan

Emails from this lending service company contain third party tracking pixels. Also known as web beacons, these codes are embedded in invisible pixels in most service emails and are designed to collect private data such as IP address, device and browser details, time, forwarded email addresses etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is considered inadequate as per all privacy laws I am aware of. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and any optout options.
Product: Credit reporting or other personal consumer reports

Hello Capital one sent me and offer welcome letter for one of their credit card and Said I was also pre approved on top of the welcome offer. They have sent me many different times. And said we run your credit already. Then when i clicked finish the application they denied me for that same card. And thats misleading I have asked them to remove the hard inquiry on my records and they refused to do it. I also reached out to the 3 credit bureau and they said capital one can remove it. But even talking to their seniors and supervisors they said they would not remove it. Even tho we send you the welcome offer letter and the pre approval. Please help this is hurting my credit and adding more hard inquiries.
Product: Checking or savings account

XXXX  XXXX has now went against law and beyond his legal means to now STEAL MONEY FROM MY BUSINESS ACCOUNT... 

TRANSACTION XXXX - XXXX Check # XXXX TRANSACTION XXXX - XXXX Check # XXXX TRANSACTION XXXX - XXXX Check # XXXX Total of = {$19000.00} To pay off personal debt... The money in my business account is clear and true and was in the account for over a month. He illegally froze and leveraged that money against my will with no authority. No messages or information pertaining to the reasoning behind it was offered ever. I had to jump through hoops for over a XXXX weeks to get ahold of XXXX XXXX who then told me she was instructing the bank to close the account and issue me a cashiers check prior to this branch manager stealing the money today to pay off personal debt of mine. IT's now cost me my business and livelihood. My business is now fallen and i have no way to pay for food or personal expenses or business expenses. 

The law states If you are an owner of a corporation or LLC, you are a separate entity from the business, and the business isn't responsible for your personal debts. In a corporation, a creditor with a judgment against a shareholder could end up controlling the business, as you'll see below. By they way they never took legal route to do so or had any judgements or civil authority to do this. 

For example, a creditor with a judgment against an LLC member can come after any distributions that would have been made to the member, but not the member 's share of ownership in the LLC. Most states will not order a forced sale to pay the debt. 
. 

Liability for corporate shareholders is different from that of LLCs because the shares of stock they own in the company are considered personal assets. A creditor with a judgment against a corporate shareholder can take the shares of stock the shareholder owns, and along with it, the voting rights granted by those shares. If the debt is large enough, and the shareholder owns a majority of the stock shares, the creditor can take over the company and even force it to be liquidated. 

The above referenced is the ONLY the bank had the authority to take money from my account to pay for personal debt with them. THIS IS A VIOLATION OF THE LAW BOTH CRIMINAL AND CIVILLY BY this branch manager. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. s 1681.  XXXX XXXX XXXX # XXXX, XXXXl 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, Experian results say that my disputes were verified and updated. However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my right under the fair credit reporting Act.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you please review the documents? Some of the listed accounts are inaccurately reported, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to paying off account XX/XX/XXXX9 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XXXX XXXX the update reported and instead of removing the error XXXX XXXX went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the XXXX department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX fraudulently mishandled my existing mortgage by failing to service my Mortgage Modification by intentionally delaying process of up to 3 years, and unethical tactics, therefore breaching mortgage agreement. They did NOT possess my Deed to make such a collection. They later sold debt to Carrington Mortgage who is a Debt Collector. XXXX XXXX assisted me with letters confirming debt to both XXXX XXXX XXXX and Carrington Mortgage. XXXX XXXX XXXX responded with, " needed more information '', could not locate by account number? Carrington Mortgage could NOT produce deed to property and no signed legal document possessing mortgage. 

I have NO SIGNED LEGAL DOCUMENTS with Carrington Mortgage of this debt. 
They DO NOT HAVE my DEED to my property. 
I am under NO OBLIGATION to Carrington Mortgage or XXXX XXXX XXXX who created fraud in 2008, which null and voided any and all obligations.
Product: Debt collection

Portfolio recovery .... 

They're calling me every single day all times late night I've instructed them stop calling because I suffer from XXXX due to being a XXXX  veteran and this is making my life much more unbearable
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act there a accounts attached that

have 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 wit
hout my written consent.
Product: Debt collection

XXXX XXXXXXXX is attempting to collect a debt because they did not turn the electric service off when I left the area.The amount is $ XXXX.I never have seen a bill or had an electric bill that big.I am disputing it.MRS Associates is the collector I also see MRS-BPO whatever that means.Ive never had an electric bill for this amount and it is impossible to get the bill that high because it would have been cut off before it could get that high.XXXX XXXX should have stopped service way before the bill was this much as I was not using the service at all.So this debt is because of terrible customer service from XXXX XXXXXXXX by not shutting off the electric service in a proper time frame when the residence was unoccupied.Nobody would shut the electric service off from XXXX XXXXXXXX on time or there would not be a {$1200.00} electric bill. I dont know what address this took place at nor have I ever received a bill for that amount anywhere in my life and Ive never had an electric bill that high in any place Ive lived.This could be another result of bad business practices by XXXX trying to make it harder for me.Im not sure where this electric bill was accumulated at all.The last date I see is XXXX of XXXX and I have been living in XXXX  since XXXX so theres no way I had XXXX  XXXX electric services in XX/XX/XXXX .My address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.I have been here for XXXX years now.I never had electric service with XXXX  XXXX in the amount of {$1200.00} Please correct this on my credit report as soon as possible.The only way this bill could have happened is by someone using my name for an electrical service account with XXXX  XXXX while I was unaware and or used electric service for an extended period of time in an unoccupied dwelling somewhere after service was supposed to be shut off.I am a XXXX person on fixed income so my electric was cheap n I had assistance with my bill.This is not my electric bill debt with XXXX  XXXX period.XXXX XXXX would never allow me to go that many months without payment n keep service on until the bill was {$1200.00} Please remove this debt from my credit report as it is false information I am not responsible for.The collector doesnt provide any address for the outstanding bill and Ive never received a bill that big in my life.Especially when I had assistance to pay for electric service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Santander/Chrysler not only falsely reported a chargeback to the credit bureau but as well as violated my consumer laws right chapter 15 U.S. Code 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION TO OPT OUT ( b ) of said reporting of Personel information to non affiliated third parties.

They did not exercise part ( b ) and part ( c ) neither the option of letting the consumer make the decision of third party reporting as well as letting consumer know the options to not disclose personal information. and I XXXX XXXX opt out of said non affiliated third party reports. Never authorized to it in beginning
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to file a formal dispute regarding an unauthorized XXXX credit card account that has been reported under my name as a co-signer. I was added as a co-signer on this account without my authorization. Since XXXX, I have attempted to obtain the original application from XXXX to verify any authorization, and XXXX has consistently failed to provide this document, stating that they do not have it. 

Given the absence of my authorization and Chases inability to produce the original application, I demand that this account be removed from my credit report immediately. This unauthorized addition has impacted my credit history, and I seek swift corrective action. 

Please find attached any supporting documentation related to my communications with XXXX regarding this dispute. I trust that the Consumer Financial Protection Bureau and relevant credit reporting agencies will assist in ensuring the integrity and accuracy of my credit report by promptly removing this unauthorized account. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I was not told the interest rate when the card was thrown on me, I was force to use it, when I wanted to pay for it, and when I got mail from them, the interest were to high, so I call them and told them my score wasn't right, which they said it was XXXX, and I know for a fact, that they would never give me a card, if it was low, because I apply for one, when it was it were over 500 and they turn me down, so someone is lying, I need someone to look into this PLEASE I got the mail on XX/XX/2020 from XXXX 's that the day I talk
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access my Equifax credit report through Equifax 's website for over 2 months. Each time I try to access my report I receive a message that states, " We are temporarily unable to complete this request. Please try again later. '' I have called Equifax twice to report the issue -- each time I have been told that the issue has been 'escalated ' ; however, there has been no confirmatory email, nor has there been an communication from Equifax via the U.S. mail. I am still unable to access my report.
Product: Credit reporting or other personal consumer reports

opt out letter sent to company rescinding/revoking their ability to report anything on my credit report on XX/XX/23 they received on XX/XX/23, they were given 10 days to comply with my written request which would have been XX/XX/23, it is now 13days past certified mail # XXXX
Product: Credit reporting or other personal consumer reports

My information was compromised in Equifax data breach.I want accounts deleted 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: Prepaid card

XX/XX/XXXX to XXXX of XXXX the has been transactions that was authorized on my card numerous times without my consent on a cash app account XX/XX/XXXXXXXX and XX/XX/XXXX
Product: Debt collection

I never authorized my XXXX information to be released to this debt collector. Because the XXXX  account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Product: Checking or savings account

On XX/XX/2020 I tired to log online and it told me my account has been locked so I went to the bank to try and pull out money and the teller told me I can not pull out money and to call this number so I called CHASE bank and they told me I received a deposit back in XXXX and they want proof of the deposit. They will be closing my account and holding my funds until I get proof and if I dont get proof they will keep my money. They havent sent me any letters in the mail nor called me they sent me a notification online witch I cant get to because they locked my account the only information Im getting is if I call and the information is different every time I call.
Product: Checking or savings account

Our bank account at Ally has been frozen. They wont say why. We tried to wire {$10000.00} out to a XXXX account that we own ( same name ) as a first step in wiring all our money out due to the terrible service we had there with our investment account ( see previous complaint ). 
1. We created the wire online and got confirmation 2. we then got an email saying it will be processed 3. we then got an email saying that the wire has been cancelled due to fraudulent activity.

4. we were locked out of the account online 5. we called the number and an extremely rude person asked us some questions, then said that she will pass the questions to the " XXXX ''. We asked why we have been marked as fraud and she refused to answer that. We asked to speak to a supervisor or the XXXX and she refused, saying " someone will get back to you '' 6. of course, no one got back to us, our account is locked and we can not wire money out. 

All we want is to move our money out of Ally who have been sitting on our money since XXXX with a variety of excuses
Product: Credit card or prepaid card

When my NFCU master credit card renewed, I updated on XXXX. It's been nothing but he'll. In the beginning the card wouldn't work anywhere. No it's just XXXX. XXXX sees all the deleting and reentering card in. XXXXXXXX XXXX XXXX says going through correctly. 
Call NFCU and they demand worse than mules stuck in mudd that the transaction is coming through with wrong expiration date. It took until this week to get supervisor who finally called me today. I'd asked before for someone above any escalation desk and refused. I talked to supervisor today and after pushing, demanding she begrudgingly agreed to get an analyst involved. She refused anyone above her, which is malarkey. She doesn't know what she doesn't know and truly didn't understand the glitch I was suggesting. She just kept repeating her screen. The bank should be far more proactive and not keep giving me the run around. XXXX has notes in system stating credit services sees transaction going through properly. Perhaps the bank could get tech support involved. An analyst won't help. I noted this. 
Basically the bank refuses to budge or truly help. The amount of calls and wasted hours is astonishing and I want compensation for my time as my time is valuable too, not to mention the embarrassment at 2 grocery stores when card didn't work to no fault of my own.
Product: Debt collection

XXXX XXXX  The amount is XXXX I contacted the collection company letting the know that they ae reporting false information to the credit bureau.
Product: Mortgage

I sold my home to easy knock with the option to buy back. So i was allowed to stay in home and pay rent. Easy knock bought my home for {$470000.00} gave {$32000.00} cash and held back {$180000.00} of that money that I was told was mine if I desided to sell the house. If I desided to buy back I would have to give easy knock {$290000.00} and they kept the {$180000.00}. But I was unable to be financed for the {$290000.00} so we decided to sell. I knew I had that {$180000.00} and depending on what the house sold for I figured I would get at least another {$60000.00} or so. But that's not what happened they gave me another {$29000.00} more and said they don't don't that with the money they held back. I said you don't give people the money you held back? They nope. I said I paid {$180000.00} for an option! They said yes. They paid me less than {$60000.00} for a home priced at {$490000.00} they under sold the house for {$360000.00} that's what I paid for it in XXXX  and I just put {$70000.00} worth of solar on the home. Easy knock knows I don't have they moey to get an attorney, to fight them they took everything my grandmother and I worked so hard to get. I'm XXXX and I have nothing because easy knock won't give me my {$180000.00} they wrongfully keep .please help me before I end up on the streets .I know I am not the only one they have done this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.