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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX ( Acc # XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX XXXX ( Acc # 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 an 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

ITS BEEN 60 DAYS AND I HAVENT RECIEVED CORRESPONDENCE FROM EQUIFAX. I AM SUFFERING CAUSE THESE INACCRUCIES ARE BEING REPORTED ON MY CREDIT. EQUIFAX NEEDS TO FIX THIS PROBLEM ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX CAPITAL XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act 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
Product: Credit reporting

On XXXX/XXXX/17 I disputed an erroneous account appearing on my credit report ( see CFPB case # XXXX. The line item is # XXXX pertaining to Idaho XXXX. Idaho XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted from my credit report.
Product: Bank account or service

I opened a citigold checking account with promotion code XXXX. I received a secure message verifying that I qualified for the account and had used the code to open the account. Later I received another secure message stating that I had fulfilled all the requirements for the promotion and would receive the promotional XXXX thank you points by XXXX XXXX, 2016. I have now been told by Citibank that I would not be receiving the points even though they have taken {$90.00} in monthly service fees from my account. I 'm not sure how to get my points as they keep pretending that we did n't have an agreement and that I fulfilled my part of the agreement.
Product: Credit card or prepaid card

I went to Walgreens to make a purchase. I have used Walgreens points cards in the past but hadn't been to Walgreens for a while in person. When I got to the checkout line, the cashier pointed to a sheet that said {$50.00} off purchase, and I asked him if this was the points card, and he said yes. There was no mention of XXXX, and the very tiny picture depicted the Walgreens name prominently, and now that I know what this is, it probably had the XXXX circles symbol much smaller without any lettering indicating " XXXX. '' I don't have a XXXX, so while I have seen that symbol, it's not really on my mind. There was no mention of interest or XXXX They had my information except for my old address, and I provided my new address, and only at the end of this process they asked for my SSN, which clued me into this maybe being a credit card, but when I asked the cashier said it was the points card. With so many in line after me, and against my better judgment, I just provided it, and only then I got a tiny receipt with the interest and XXXX in teeny tiny print. I didn't even get a receipt for my purchase which they said would only be sent by phone, and I didn't even get the {$50.00} off as promised. The only receipt I received at the store is the tiny receipt for the credit card approval, which I received only at the very end of the transaction. I have to make future purchases to get that. I asked for the manager, who only sympathized with me and told me I had to call. I called Walgreens when I got home, and they forwarded my call to Synchrony Bank. I explained what happened and that I felt it was deceptive. They don't really care. Then, I asked Synchrony to cancel the card, and I have to wait 48 hours and call again to pay the bill, or I'll start racking up interest. The card is canceled, but I have to take my time to make sure I remember to pay that bill, but the matter is not fixed because I can't ever take away the fact that I applied for credit not understanding what I was doing until the very end. If I forget to pay that bill, I'll have the interest to pay. I only wanted to pay for my items and get my updated Walgreens points card. I never wanted a new credit card. Also, they're going to do this very same thing to other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Please fix the following accounts XXXX XXXX XXXX XXXX XXXX XXXX MACYS/CBNA XXXX XXXX XXXX XXXX Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent in my dispute letters to get these late payments removed. I wait the 30 day window to hear back and they sent me mail saying they updated my account. When I reviewed my credit report I noticed there weren't any updates with late payments. they were still on my report under my accounts. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written Instructions.

15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as alate for any reason.
Product: Payday loan, title loan, or personal loan

The company calls my phone repeatedly during the day, while I am at work. I have asked them repeatedly to stop calling me several times a day. 
Currently, I have a settlement offer setup on my account to be paid off by XX/XX/2020. 
I have payment arrangements set. 
( bad enough, I requested help several times with payment extensions due to lowered income because of COVID-19, and was refused help ) I made a payment on the account on XX/XX/2020, and another payment set to come out on XX/XX/2020. On XX/XX/2020, I began receiving calls from Cashnet. Each call, I explained the settlement offer, and asked them not to call me again, unless my paymnet on XX/XX/2020 doesn't go through. ( which is proper collection practices based on FDCPA ). 
However, I received more calls the next day, day after that, day after that, and even received a call, today. The day after my payment was cleared through my account. 
I requested on XX/XX/2020 for account to be notated that I have payments setup, and was assured that the calls would stop. 
THIS IS HARASSMENT. THERE IS NO CAUSE for them to continue calling me each day, after I have explained myself and asked them to stop, when information is clear to see on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND XXXX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR XXXX XXXX. 

PAYMENTS THAT ARE MADE TO XXXX XXXX   WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED XXXX   XXXX AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A  CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Product: Mortgage

We applied for shortsale assistance XX/XX/XXXX, as it was offered to us to help us avoid foreclosure. After we submitted at least XXXX offers from buyers ( we also had a few, really low ball Cash Offers which we did n't even bother with ). All within timeframes of XX/XX/XXXX through now. Each contract price gets countered to above market value. Each time the buyers cancel the contract, as it 's subject to the 'shortsale approval ' and then a new BPO/Appraisal. My realtor kept listing the property at what the bank wanted $ XXXX and got NO showing request. She sent this XXXX listing history to the lender to show them, no activity. It did n't seem to matter. We sent them the comps they wanted 'Non Dis-stressed, Foreclosures or Shortsales ' to be used as comps? Does this make any sense. Why is n't the bank using comparables to my house, in the current dis stressed condition it is in, to appraise the property? Because it does n't benefit them! I feel the bank is purposely delaying this shortsale and not coming to the true market value of this property because they would rather see it go into foreclosure. Which during this process they would stop foreclosure actions, the bank just filed the les pendens law suit about 1 month ago, knowing we have had a contract in place for shortsale processing. I am not sure if this is a form of discrimination or some scam. For example, on the 'latest ' contract in for shortsale approval, XXXX different BPO/Appraisal people came out for the bank, within days of each other, XXXX is reported to just take pictures, no value dispute the other is told to do full BPO. When they go back to submit the work, the lenders request is cancelled. Why is the bank stalling to finalize this shortsale. The current buyer has to move out now by XX/XX/XXXX- he is going to have to walk from this sale, again like the other buyers, because the file is not being processed or moved along at fair market value. There are current water leaks in the master bathroom windows, no washer or dryer and AC that does n't really work. We have disclosed all of this to the buyers. Does the bank really want to work with us or not? Please stop wasting our time. HELP!!!!
Product: Checking or savings account

Got an offer from the Citizens Bank for opening a checking and savings account, and got account opened and funded online at XX/XX/XXXX. Received a letter from the bank dated XX/XX/XXXX, and said the accounts were closed without giving a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVY FCU - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I sent Credit validation letters to dispute a debt that's not mine with Kohls/XXXX  on XXXX/XXXX/20, they received and signed for this letter on XX/XX/20 at XXXX XXXX. 

At the same time i sent out 609 letters to XXXX  & XXXX  to dispute this debt. i waited 30 days for my results & XXXX  and XXXX  came back with debt validated. 

i don't understand how they could have validated this debt with Kohls/XXXX  because i did my own internal investigation and Kohls/XXXX  failed to respond to my credit validation letters i sent. 
After waiting 30+ days this debt isn't mine and is hurting my credit drastically. 
I Don't appreciate them just stamping it validated
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont valid
ate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Checking or savings account

On XX/XX/2021, I became a victim of identity theft. At the time of this incident, I only had two accounts opened with the bank : my checking and my savings account. Nobody but myself had access to my password or username and I was confident enough to trust the bank to notify me when suspicious activity happened. Unfortunately, I was not alerted when multiple fraudulent accounts were opened. On the afternoon of XX/XX/2021 I checked my online banking account and I quickly noticed that XXXX XXXX dollars were missing from my savings account. I called the bank to see what was going on as it was after hours and I was not able to go into a branch. As I was on the phone with a representative, I was informed that there had been XXXX different accounts opened from XX/XX/XXXX to XX/XX/XXXX, none of these accounts were authorized and I was not notified of these accounts being opened. One of the accounts, in particular, was being used and had a debit card linked to it, they would transfer money from my actual savings account into it and would withdraw the money at different ATMs in a different state from where I reside. The first transfer happened on XX/XX/2021, they transferred XXXX XXXX dollars and withdrew it at two different ATMs on the same day, the same processes happened on XXXX XXXX, and XXXX. XXXX of dollars were being withdrawn outside of the state in which I live and I was not notified of any of this activity happening. I submitted a claim on the phone and was told that it would take about XXXX weeks to get a response. On XXXX XXXX I received a letter in the mail regarding my claim, In that letter the bank stated that they would not refund my money because the accounts were opened using my username and password. I went into a branch the following day to speak to a representative in person, I got copies of all the fraudulent accounts opened and noticed that my home address had been changed to one outside of the state and my email address had also been changed. I asked the bank multiple times to review my claim again because I was not happy with the results but was always told that because my claim had already been declined and closed, they would not reopen it. I dont think it's fair to have my hard-earned money stolen and have the bank not do anything about it, I am in desperate need of help as I seem to not be getting anywhere by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1994 My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquiries from my credit profile as they do not belong to me and are fraud. 

XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting that I owe XXXX {$680.00}. I paid the account out in XX/XX/2021. It should have XXXX balance.
Product: Student loan

I was placed on forbearance after I finished XXXX  school. I should have been offered and given income based repayment so that the interest would not capitalize. I want my loan balances to be adjusted and want all of the extra interest I was charged on wrongfully capitalized interested to be credited to my loans. For loans I have repaid, I want that extra money to be refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.
Product: Mortgage

I have a VA loan that is current with Wells Fargo, over the past 10 years of so, they repeatedly have informed me that my escrow account was short, I have paid any shortages as well as put extra moneys into the escrow account for any future increases on property taxes, insurances increase for my impound account, yet Wells Fargo has increased my payments repeatedly, and I have had several calls with them to try and keep my payments at the same level, I have put in more then enough extra money in the escrow account to satisfy any increase, and just this last week, I was sent a letter by Wells Fargo that I can no longer put any additional funds into my escorw account to keep my payment at the current payment schedule, I have spoken with several other lenders and none of them have told me that this is the law or is required. I believe Wells Fargo has increased my payments even though I have paid shortages and put in funds into my escrow account for any future tax or insurance increases. I do not think Wells Fargo is acting in a Honest, fair manner and to tell a loan payer that they can not put money into their escrow account to cover any potential increases, that the borrowor is subject to yearly increases to my monthly payment is wrong and not in my VA contract for my loan. I have called Wells Fargo on this, asked them what law that allows them to do this or explain what law prevents me from putting any extract funds in my escrow account ... they could not provide my any, I hope CPFB can help me resolve this,