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

The Names reported below are a violati my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX THIS IS NOT MY NAME AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based 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 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: Debt collection

XXXX -- XXXX XXXX says he's the XXXX. He said they're registered with the state of SC, and that he works for Location Services. They threatened to send someone to my house. 

They call M-F. I answer the phone. I spoke to them yesterday!! 
Today they called and let the phone ring back to them without answering. I called back and asked why they were harassing me when I just spoke with them yesterday. 

XXXX said I was rude and I needed to be quiet while he spoke. He then asked me " if the Lord knew '' how rude I was. He said he didn't think " the Lord would approve '' of how I acted.

RELIGIOUS HARASSMENT IS A STEP TOO FAR AND SHOULD BE ILLEGAL.
Product: Credit card

On XXXX at about XXXX hours, I contacted the Synchrony Banks Customer Service Department. I explained my situation to the representative who transferred me to the Application Department. I spoke to a representative by the name of XXXX. Who transferred me to a specialist XXXX and then to another representative named XXXX. 

XXXX explained to me that they use XXXX as XXXX of their qualifying factor for credit approvals and suggested I seek out my credit report and file a dispute for Mervyns entry. I could not remember if our conversation included the letter that I have mentioned to several Synchrony representatives with a brief or verbatim statement written to me from Synchrony stating the reason for the denial. 

With this information, I later obtained my credit reports from XXXX, XXXX, and XXXX. The XXXX report on page XXXX indicates no derogatory remarks. In the XXXX report, there were no entries for Mervyn 's card. This report indicates numerous Synchrony credit cards with the entry stating exceptional payment history. The XXXX report has no report of Mervyn 's account documented within. This entire ordeal took approximately XXXX hours to contact the above companies to seek out the reason for my denial. ( Credit reports for the above-mentioned companies can be uploaded upon request if needed. )
Product: Money transfer, virtual currency, or money service

I paid an individual for housing and was charged significantly more than the market price of the apartment, which is rent-controlled. This is illegal in XXXX XXXX XXXX 

After this individual attempted to evict me illegally, I began a fraud case with XXXX, where I made all my payments to this individual. Upon beginning these cases in late XX/XX/year>, said individual began to harass me and threaten my life. This included vandalizing my apartment front door, breaking into my room, and threatening to burn down the apartment. 

Two Orders of Protection were eventually issued on my behalf against this individual in XXXX and XXXX of XXXX 

Because of the violence occurring, I was told by XXXX that I could take my time submitting my supporting documents since this case had become ongoing and criminal. I was also told that XXXX XXXX  investigative team would work with law enforcement in whatever capacity necessary to assist me. I was told it was best to wait to submit as much documentation as possible, rather than filing only a few pieces of info in supporting my fraud case. 

Despite following XXXX XXXX advice, my claim was denied because I failed to provide my proof in a timely manner. This went counter to what I was advised to do by XXXX support. The company will no longer correspond with me concerning this specific case.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. I tried to reach out to Capital One and I was unsuccessful. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit card or prepaid card

I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX XXXX reported negative marks Paid, was past due 30,60 days on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
Product: Debt collection

I am writing to formally dispute a charge-off account with Navy FCU that is currently being pursued by a third-party debt collector. The account was reported as a charge-off ; however, I have not received the required 1099-C Cancellation of Debt form, which is a legal obligation when a creditor forgives or cancels a debt of {$600.00} or more. By failing to issue this form, Navy FCU is not in compliance with IRS regulations, as this unreported debt is being treated as income to me. As a result, this creates a significant tax implication and is not only an error in reporting but also an issue that could potentially affect my tax filings. The amount being pursued is {$7100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to delete by Transunion. I requested debt validation/verification, Blacks Law Dictionary 6th Edition ; ( Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition ) or sent or contacted me 5 day prior to give " Mini-Marandi '' under FDCPA Sec. 809 before placing this on my credit reports, from Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX, in which I got none of the information requested, in which violates the FCRA and FDCPA.Also, the furnisher in the state of TX ; be it a creditor, third party debt collector/debt buyer is considered a debt collector in the state of TX with cases to back this up on the record. 

Due to the complexity and intricacy of my original dispute, I find it difficult to believe that Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX was contacted by the credit reporting agencies. This type of conduct makes it difficult, if not impossible for a consumer to correct inaccurate information in their credit file.
Product: Credit reporting or other personal consumer reports

TransUnion is violating my rights according to 15 U.S. Code 1681e ( b ) by continuing to report inaccurate, incomplete and unverifiable information to my credit report.Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record.This includes providing the name and address of any information provider contacted during the verification process, along with their contact number.Over 30 days ago, I solicited documentation to substaintiate these accounts, yet I have received no such documentation.Without legitimate proof backing these accounts, it has no basis to be included in my credit report.Please DELETE these items immediately.I have attached the most recent credit report from TransUnion showing the inaccurate, incomplete and unverifiable accounts still reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX XXXX : {$420.00} ; XXXX XXXX Balance : {$2.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has placed incorrect information on my credit report. I became XXXX ill a few years ago and can no longer work. I callled Navient to ask if they could help with reducing the amt of my loan payments. They told me there was nothing they could do and no resources available to help me. My grandmother was my co-signer on the account.They continously called her and a few times threatened her. One man that called her from Navient told her he knows where she lives. Another told her since she lives in FL she must have money and needs to pay immediately. A woman from Navient wanted to go over my grandmothers bills with her. My grandmother thought the woman was trying to help her so she started telling her what bills she pd monthly. When she told the woman she pays a lawn service to cut her lawn, the woman scoffed at her and told her she needs to cancel that service and cut the lawn herself and informed my grandmother to use that money to pay Navient. My grandmother is XXXX years old and just lost my grandfather 2 years ago and lives alone. She is physically unable to mow a lawn! After a few years of going back and forth with Navient between my grandmother and myself, Navient offered a settlement. They wanted a payment of {$640.00} and this would close my acct with them and my debt would be paid off with no repercussions. Navient was PD {$640.00}. On XX/XX/2020. They have yet to report this correctly to any of the credit bureaus. I've disputed this acct with all 3 credit bureaus several times each and everytime the information is changes with the acct to more incorrect information. I don't know what to do ... ..I was evicted from the house I was renting because we missed the last few payments on the lease prior to the lease ending. My son and I are stay I with my grandmother ( unlawfully according to her HOA as its a 55+ community ). I'm currently having no luck being approved for a rental, not because of the eviction ( luckily not on my credit, yet ) but because Navient is playing games with my credit report. There has to be something I can do to correct this. My son and I will be living in the car soon if I can not get approved for a home. 
They offered to settle after
Product: Credit reporting or other personal consumer reports

I noticed my XXXX XXXX went down very low on my banking app and looked on XXXX XXXX and then noticed some late payment alerts and when i looked at the accounts it was credit card debt accounts that I did not open. I took a loan out with XXXX main to pay my credit card debt off and i did, now these accounts are showing large amounts due. I need help, I filed bankrupty last year and was discharge in XX/XX/year>. I am just trying to keep my debt under control and this has destroyed my credit again. I am so stressed out and just dont know what to do. The accounts that are showing on my credit report that are not mine is Capital XXXX balance of XXXX, Avant Cash Back Rewards Card XXXX, XXXX XXXX XXXX, XXXX Bank XXXX XXXX. I dont know the account numbers but need these reported as fraud.
Product: Debt collection

I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for 13 years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over 15 years ago and I again told him, I did n't have that card and certainly did n't have one that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was Asset Recovery Solutions, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!
Product: Mortgage

My husband and I applied for a modification on our home from our lender. The lender had already scheduled a foreclosure sale date on our property ; however, we were told by several customer service representative including our accounts manager that once we submitted the application for modification in its entirety that the sale date on our home would be postponed until a final decision was made. The sale date on our home is scheduled for tomorrow, XX/XX/2017. Our application was submitted on XX/XX/2017, I called every day for almost two weeks to ensure that our application was received and that they had everything needed to move forward with the modification review. Once confirmation of the receipt of our application was provided I inquired again to my account manager and several customer representative that the foreclosure sale date would we postponed until a final decision was made on our application. However, after not hearing from our lender I contacted the XXXX County Clerk of Courts on Friday, XX/XX/2017, to verify that the foreclosure sale had been postponed and I was told that it had not been. I contacted our lender on the same day ( Friday, XX/XX/2017 ) to find out why the sale date had not been postponed and I was told that our lender had denied our modification on Tuesday, XX/XX/2017, because " they determined that we did not have enough of a deposit to put down '' ; and that because the application had been denied they would be moving forward with the foreclosure sale on XX/XX/2017. When I asked why the foreclosure sale date had not been postponed as I was told that it would be, I was then told, " the sale date would only be postponed if the modification application had been approved '', this is not what my husband and I had been told previously. I asked our account manager why they had not contacted us sooner to notify us that our application had been denied since our foreclosure sale date was only two ( 2 ) business days away to see if we had a larger down payment to move forward with the modification, he did not have a response. I asked our account manager to ask how much they needed for us to put down as a deposit, he said that he would submit the request ; however, when I called him today, XX/XX/2017, I was told that they were choosing to move forward with the sale date. Now my family and I have no where to go as the foreclosure sale date is schedule for tomorrow, XX/XX/2017, and because we were told at the last minute that the sale date was not postponed we do not have time to seek other legal recourse. My husband and I were mislead regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Had a car repo in ( i think 2007 ) drive time called my brother in law told him there was a warrant for my arrest. Called me with this info, i returned call and it was a bill collecter. I advised i am on ssi XXXX. Collecter said if i dont pay by tomorrow they will take me to court and garnish my ssi.
Product: Mortgage

I have repeatly asked by phone and through the portal for my mortgage to be paid monthly from my bank account but they refused to help. Each month it is not taken from my account and I need to pay manually.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXXt Account, XXXX XXXX Bank account number ending in # XXXX, XXXX XXXX account number starting XXXX and XXXX XXXX XXXX account number starting with ending in # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.