23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and notices some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverified information.

( A ) 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 from the file of the consumer, or modify that item of information, as appropriate, based on 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. 

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

On XX/XX/XXXX, I have visited BECU for the third time to dispute an unauthorized transactions ( using debit card and depositing forgery checks ) due to fraudulent scam. There is a negative balance of {$6200.00} on my savings account due to the fraudster depositing forgery checks and using those money that got returned afterwards. I have filed a police report on XX/XX/XXXX and gave it to BECU but they did not approve the unauthorized transaction. The fraudster, XXXX XXXX is also being charged for Identity Theft on XX/XX/XXXX but BECU ignore the fact and take no action.
Product: Payday loan, title loan, or personal loan

This company called me on the phone told me they would give me a XXXX loan but first they would start out with putting XXXX into my account to be sure it was my account was valid. Upon doing this 2 days later they called me wanting there money back and I could only give it back by buying these cards and calling in the card numbers on the back which I did /, they also forged my name on the back of this check they sent transfered to my bank. Then there check bounced/. ( I didnt know at the time. ) This all done they said they would deposit my XXXX in my bank by XXXX XXXX that day wrong never heard from them, I'm a XXXX yr old XXXX woman single living on less than XXXX a month and this cause overdrafts at my bank because of auto pays and humiliattion to sleepless nights and fear of them retaliation from this company due to them threatening calls to my home.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Rectify this immediately! 

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Ohio Attorney General 's Office, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00}
Product: Credit reporting or other personal consumer reports

It has been close to 18 months, and I have not been able to get my current credit report or score. Experian has not helped and refused to give a current credit report and score. My bank and lenders are unable to get a current score or report. The credit report is 18 months old. 

Anytime a creditor needs a current report it only shows one from 18 months ago and a very old score from 2 yrs ago. This is serious! 

I have an Experian account number ID # XXXX XXXX demanding the rights i have to be given a Credit report and score what on earth is going on? I have a credit file but yet you guys are not updating or showing accurate information or current report.
Product: Vehicle loan or lease

I purchased the car in XXXX XXXX however I was making the payments and realized that 2 years later I only paid XXXX toward the loan and the amount was increasing I reach out to company and said they would look into and report this I received no response and when I called they always would hang up on me I continued to pay But they repoed the car because the amount. Was never decreasing free several attempts to settle the car was repod and they said my interest rate of 26 was not why the amount never changed.The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. 
Going forward, Santander can not extend financing if a consumer has a negative residual income after taking into consideration a list of actual monthly debt obligations. Additionally, Santander is required to test all loans that default in the future to see if the consumer, at the time of origination, had a negative income. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, Santander is required to forgive that loan
Product: Debt collection

I was recently contacted by a bankruptcy attorney who informed me I had a default judgment against me in XXXX XXXX, WA. I was surprised as I had not received notice in the form of a summons or complaint, nor served in any manner. I found the judgment at the XXXX XXXX site online and paid {$25.00} to download the case file through the XXXX XXXX site. I was shocked to discover a process server submitted an affidavit of service that was incorrect and included a physical description of me that was not at all accurate - and, this affidavit was submitted by a collections firm, Marchol & Johannes, XXXX, WA office, to the court as proof of service.
Product: Debt collection

Phoenix Financial Services, LLC is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit  reports.Phoenix Financial Services, LLC a re in : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and HIPPA Law!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Flagship Credit Acceptance falsely reported an {$86.00} balance increase on my credit report causing my credit score to drop 62 points. This is after me asking them several months in a row to change my payment due date from the XXXX to the XXXX of each month and them not doing it.
Product: Debt collection

On XX/XX/2019 I mailed a letter, through USPS Certified Mail, to XXXX XXXX XXXX, XXXX, which they received XX/XX/2019, and explained that the account they are reporting is due to Identity Theft. Ive also included FCRAs Notice to Furnishers of Information and they still ignored it and from my understanding the are breaking the law by continuing reporting this fraudulent account to credit bureaus. They updated my credit report with the following remark ; Dispute Resolved : Customer Disagrees on XX/XX/2019. This is a fraudulent account and XXXX XXXX ignored my Identity Theft letter and are currently still reporting on my crdit report for {$170.00}.
Product: Credit card

I am a Macy 's consumer store card holder and was recently reported to the credit bureau as XXXX days past due. The initial late payment dated back to XXXX however I continued to make payments before 30 day time periods to avoid the late reporting until I could get to financially stable to pay what was owed. I called Macy 's and asked for some sort of resolution and was advised the only option was to close the account, not other hardship arrangement could be made. I then emailed XXXX explain my situation and requested a one time courtesy to have the negative credit reporting removed. I then received a phone call from XXXX, I emailed her after numerous times trying to reach her by telphone but to no avail. Then, I received an email from XXXX stating they would not do anything differently than what has already been done and to contact her if I had any other concerns so I did. I have been trying to pay my recent " Special Event '' financing purchase off as well as catch up the past due balance and I can not get anyone on the phone that speaks reasonably clear XXXX. The individuals I am able to reach simply transfers the call as " protocol '' without offering any assistance for something as simple as making a payment. I have several questions that have gone unanswered and everyone seems to provide a generic email response, or I am speaking with " customer service/collections specialists '' that are telling me conflicting information. I was told yesterday that I needed to just make the payment totalling the past due amount plus the balance of the special event purchase then call back in 24-48 hours and tell them how to apply the funds. She also stated my monthly balance continues to increase because of the one missed payment, but they are not late fees. Late fees are added to the entire amount owed. How then is my balance {$280.00} now instead of the {$180.00} I was paying prior to missing XXXX payment? I emailed XXXX, XXXX, and XXXX in the executive office explaining my issue of communication with reps within their company and no one has contacted me to resolve the issue. Today I spoke with someone by the name ( s ) of XXXX, XXXX, and XXXX. XXXX advised me that if I pay the special event purchase off then that will take care of the past due balance also. My specific question was " How will that take care of a past due balance that is treated separately from this purchase? '' He could not answer me then claimed my phone was breaking up, yet I had no issue speaking and explaining the situation to two reps prior to being transferred to him. How can a company report someone late, and not offer a valid explanation of why the time frame of the late was reported the way it was and also the amount being reported? They have reversed late credit reportings, so why does my situation not qualify for that option?
Product: Checking or savings account

I opened a checking and money market account with TD bank on XX/XX/2019. I wrote them a $XXXX check from my old checking account (XXXX XXXX) the same day to start up my checking account. $XXXX went to my money market fund and $XXXX to my checking account. This is the ONLY MONEY THAT WAS POSTED TO MY ACCOUNT AS OF XX/XX/2019.  I had another $XXXX to be that was transfer to my checking account to TD bank. I called and asked them WHY they are NOT giving credit to my account.  I also received a letter from TD bank TODAY (date on letter is XX/XX/2019 saying it would be 6 days for me to receive my money.  It has been 8 days as of today. When I talked to them, they gave me a poor excuse for an answer. They claimed that my old bank could try and collect my money back but I explained to them that I closed down my accounts with XXXX XXXX 4 DAYS AGO.  I told TD bank, YOU HAVE MY MONEY AND WILL NOT GIVE MY MONEY TO ME. They had no response to that . I told them I was going to file a report with CFPB and that you have helped my in the past.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 a ID theft report was filed to the federal trade commission in regards to unauthorized Inquiries and creditors on XXXX XXXX and Trans Union credit reports. 

FTC report number XXXX. 

Please remove all inquiry 's creditors listed below. Idid not authorize them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XXXX XXXX, XXXX, I applied for a Mortgage loan with Caliber Home Loans to refinance my home and I specifically spoke to XXXX XXXXLoan officer. 
XXXX asked for all necessary documents to start processing my application, all of which I provided as requested. Unfortunately as required by Law, I never received the initial disclosures within 3 business days of Application receipt Date or a Credit Decision within 30 days of application date. 
On XXXX XXXX XXXX XXXX contacted me and said that my loan application had been approved and will be sending me initial disclosures. 
On XXXX XXXX, XXXX, I received initial disclosures from Caliber Home Loan but was asked to back date the disclosures 3 months back to when I initially submitted the application! LE of GFE not among the initial disclosure package provided by Caliber. I called/emailed the Loan officer asking for my LE and he said it will provided as soon as he gets it. I still have n't gotten my Loan Estimate. 
One month passed by without hearing from Caliber and on XXXX I was shocked to receive a Notice of Denial from Caliber stating that my loan was denied due to : Credit Application Incomplete. This is simply not true, I never received a Needs Letter from Caliber however I did receive an email confirmation from the Loan Officer stating that my loan was approved. I am so disappointed by Caliber Home Loans unethical business practices. It 's evident that mortgage companies such as Caliber did not learn anthing from XXXX mortgage crisis and surprised that it is still in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on credit report that i did not authorize and need them remove, here are the accounts : XXXX XXXX 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
Product: Checking or savings account

This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions to take place in my account, after I had everything put in place due to identity theft to prevent this -- specifically I had my accounts deactivated and disabled. ( 86 ) Unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on Several Complaints. 
-- As Follows -- in order : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Debt collection firm is trying to re start a debt from more than a decade ago. The company was able to put this as a new debt on XXXX. Not only do they mail the same threatening letter to the address but they call nonstop. Today 's call threatened to attach the over aged debt to my mortgage.
Product: Debt collection

My identity was stolen, my cousin XXXX XXXX XXXX XXXX XX/XX/1973, brought a XXXX XXXX using my name, D.O.B and Social Security XXXX, and a Navy Federal Credit was open in my name. ( 1 ) .XXXX XXXX Account XXXX. 
( 2 ). NAVY FEDERAL CR UNION Account XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen on XXXX and a few days later, using my state ID, my information was used to apply for loans for things such as a house outside of my home state, and an auto loan through XXXX XXXX. The reason Im contacting is because the auto loan is on my Equifax credit report which affected my credit score. I am a victim of identity theft and would like for the information on my Equifax credit report to be removed.
Product: Credit reporting or other personal consumer reports

I need Experian to correct my credit report by removing six incorrect addresses and adding my correct address. I have already sent a dispute letter, and one address has been deleted, but all six must be removed.
Product: Checking or savings account

After making the required three ( 3 ) direct deposits, I called to ask when the checking promotion would be paid out. The rep said that I did not qualify because I missed the first deposit.. This is incorrect, and has met the requirement timeframe of the advertised terms. I asked for appeal, and they assigned a case number to investigate further.. After not hearing from them, I sent a secure message to ask about the status. The reply has no mention of their claim that I missed a deadline, but now states that they can not verify if the deposits were from a payroll or not. This appears to be " moving the goal post '' here.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to dispute fraudulent information on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that this information be blocked. The account entry in question resulted from identity theft, as I did not authorize the sharing of my non-public information. According to 15 U.S.C. 1681b, regarding the permissive purposes of consumer reports, I never provided written consent for you to report any of this information. Therefore, it is considered fraudulent.

Enclosed is a copy of my police report/FTC Identity Theft Report ( Report Number : XXXX  ) to substantiate my claim of identity theft. As outlined in 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any disputed information resulting from identity theft within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX