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

NOTICE OF VIOLATION OF 15 U.S. Code 1681c2 - Block of information resulting from identity theft. As Identity Theft, involves the misuse of another person 's financial and personal information ; In XX/XX/2023, I filed an online Identity Theft report with the Federal Trade Commission and a copy of the same report was forwarded to Trans Union, XXXX, and XXXX. In addition I provided proof of my identity and I requested an extended fraud alert. The credit reporting agencies mailed me proof that they received the request for an extended fraud alert but they never placed it. As a result, I called Trans Union and a temporary fraud alert was placed on my Trans Union file and this temporary fraud alert was then placed with XXXX and XXXX. However the credit reporting agencies intentionally violated 15 U.S. Code 1681c2 - Block of information resulting from identity theft as shown below and this complaint along with the other complaints and correspondence will be entered as evidence into the Court. When I alleged that certain accounts on my credit report were being reported without my consent and that there were no contracts to substantitate a debt then these accounts should have been blocked in accordance with 15 USC 1681c-2. 
( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. 

( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Product: Credit reporting or other personal consumer reports

My account with SYNCB/ROOMS TO GO was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. SYNCB/ROOMS TO GO Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reported on my Credit Reports : XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i'm complaining about unfair portrayal of credit information on experian, XXXX, and XXXX.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX XXXX XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting 15 U.S. Code 1681 ( a ) ( 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.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, Experian, and XXXX are consumer reporting agencies. As a Federally protected consumer who has rights, that according to 15 U.S.C 6805 ( a ), that are to be enforced by the Bureau of Consumer Financial Protection. 
XXXX, Experian, and XXXX are reporting in accurate information which I have written and filed two dispute letters in reference to XXXX XXXX XXXX, Which they seemed to have ignored. 
XXXX, Experian and XXXX are a " Company '' by definition, according to 12 CFR 362.2. Reasonable policies and procedures concerning accuracy and integrity are imperative. Which these companies are failing to perform. 
I ask that you please review and I demand that this account be removed immediately. 
thank you XXXX XXXX
Product: Mortgage

I purchase my home for {$49000.00} on XX/XX/2005. I currently owe approximately 35,000 on the home the term was a 30 year fixed mortgage with about 4 % interest rate. Unbeknownst to me the money was applied to the interest on that note, then the principal on the note second one and then all of the other fees third early. After 15 years into the mortgage I realize that Ive only paid less than half of the mortgage. I would like to know my options this mortgage for me at this time I would have thought that a house wouldve been paid off at least halfway and its not.I am on able to get my house refinanced due to my credit score. I believe it was a bad mortgage in XXXX and its place me in a position according to my calculations that I have paid XXXX or ready on this house which is double the amount that its worth. The original bank I was national XXXX which is no longer in business the name to change to XXXX XXXX XXXX I believe. However Shell point mortgage services services the loan currently and they have been very transparent with the information that I have been trying to obtain for the past few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Equifax, and XXXX XXXX violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

This violation has caused me great grief as to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the Fair Credit Reporting Act Convergent Account # XXXX ( XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 2. In accordance with the Fair Credit Reporting Act Convergent Account name, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( My Accurate Name Is XXXX XXXX XXXX ) There using an Inaccurate Name/Similar to mines please delete and update
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with Equifax, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I am also attaching all communications.
Product: Checking or savings account

XX/XX/XXXX : I was staying at the XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I felt not only that its rates were too high, but incidentals were added to the base rate. So, on XX/XX/XXXX, I call around for a cheaper place to live. I called XXXX but the call was intercepted by a booking agency. The agent whom I spoke to said the agency represented XXXX. I asked for a quote and the agent quoted me {$1000.00}. When I decided to book, the quote was no longer {$1000.00}, but {$1900.00}. I protested and the agent told me that she has to bring the tape of the reservation conversation to " upper management ''. She said " upper management '' would listen to the tapes and decide. She'll call me back with their decision within a few hours. I knew that was a lie. More than 3 hrs. passed, affirming my That too was a lie. It was Sunday ; plus, the evening was rolling in. Without a decision on the tape, to me, XXXX reservation had ended. To the booking agent and XXXX, it had just begun. The two colluded to book me at {$1900.00} without ever notifying me, without my authorization. I never agreed to a rate ; I never signed any papers. There was never a " meeting of minds ''. Nevertheless, on XX/XX/XXXX a charge of {$1900.00} appeared on my XXXX checking account statement. It was reversed XX/XX/XXXX ; and a complaint was filed. On XX/XX/XXXX, it was reversed again, meaning I had lost the case. I should never had lost because I provided the preponderance of truthful evidence ; XXXX, on the other hand, produced fake documents. XXXX sided with XXXX. I asked XXXX : Why would I booked and moved to XXXX at a higher rate than the XXXX was charging. That defies logic. XXXX did not answer, avoiding self-incrimination as idiots. Also, defying logic was my paying for two rooms for one person.
Product: Debt collection

Aldous & Associates/ XXXX XXXX XXXX, XXXX XXXX Utah XXXX XXXX, United XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/year> NOTICE TO CEASE AND DESIST I am hereby notifying you ALDOUS AND ASSOCIATES that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt. I never signed a contract with ALDOUS AND ASSOCIATES and you have usedmy personal information without my consent. You have violated my consumer rights pursuant to 15 usc 1681b. You have caused my phone to ring at inconvenience times, while Im even at work in with connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ). I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies. 2. Stop infringing on my intellectual property rights immediately. 3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt. Failure to comply with consumer demands will result in litigation. I do not consent to XXXX or any other means of automated verification.
Product: Credit reporting or other personal consumer reports

I HAVE NOTICED THAT THEIR ARE UNAUTHORIZED ACCOUNTS THAT WERE OPENED USING MY NAME AND HAS IMPACTED MY CREDIT SCORE. I AM A VICTIM OF IDENTITY THEFT. THESE ARE THE FOLLOWING ACCOUNTS : XXXX  XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX THESE ARE FRAUDULENT ACCOUNTS THIS FOLLOWING CARD IS WITH XXXX XXXX AND I TALKED TO THEM ON THE PHONE FOR HOURS AND MULTIPLE EMPLOYEES HUNG UP ON ME WITHOUT SOLVING. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TOLD THE COMPANY THAT I USED THIS CARD TO MAKE RENT PAYMENTS BUT THE REST OF THE CHARGES WERE UNAUTHORIZED AND I HAD THE CARD STOLEN THE COMPANY DID NOT RESOLVE THE ISSUE AND NOW CONTINUES TO ADD LATE FEES TO MY REPORT AND ALSO COMPOUND INTEREST. 

THIS FOLLOWING LOAN WAS ALSO OPENED UP IN MY NAME AND THE COMPANY HAS NOT VERIFIED I AUTHORIZED THE LOAN AND NOW THEY HAVE CLOSED THE ACCOUNT BUT THE DEBT IS STILL ON MY REPORT XXXX XXXX  XXXX THE CLOSED LOAN AMOUNT IS {$77000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax about unauthorized credit inquiries on my credit report and they refuse to assist me with resolving my issue. The following are placed on my report and are unauthorized. 

XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX T : XXXX/XXXX/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 XXXX XXXX : XXXX/XXXX/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
Product: Debt collection

I notified PENN Credit that the debt did not belong to me. I have asked them to stop calling several times. They call at all hours of the night including Sundays. Sometimes multiple time per day. Phone line they are calling is not 100 % mine to use and there also disturbing and harassing others in the house. Penn Credit CorpXXXX
Product: Consumer Loan

my credit report is incorrect. i have tried multiple times to dispute this with the bureaus but santander continues to have different payment status on all XXXX reports with all XXXX bureaus which XXXX is correct?? santander obviously doe not even know what they are reporting. I wish they would not report i have a charged off account 2 monthes in a row when i paid them over {$3000.00} dollars back in XX/XX/2015 by phone which i can prove from bank statements but yet they have my account listed has charged off?? cant seem to figure out how i have the title of my car but my car was charged off? weird! i attached XXXX different reports below to show the difference in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated they were going to do a soft credit check and they put a hard inquiry on my credit file for
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the account and inquiries listed below from my credit report. I am a victim of a data breach, and these items were fraudulently added to my credit file without my knowledge or consent. As such, I invoke my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have this information removed. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, our company, XXXX XXXX XXXX XXXX , wrote a check ( # XXXX ) in the amount of {$75.00} to pay for an alarm system from XXXX XXXX XXXX XXXX XXXX XXXX 

We realized on XX/XX/XXXX when checking our banking statement that {$7500.00} had been debited from our account for the check # XXXX. We then checked the copy of the check and realized that we had accidentally written {$75000.00} in the written dollar amount portion of the check, but had written {$75.00} in the numerical dollar amount section. 

We then called XXXX on XX/XX/XXXX and they confirmed they had only received {$75.00} in their account. That same day, XXXX filed a claim on our behalf with their bank, Wells Fargo ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), who stated they would fix the issue. 

On XX/XX/XXXX, we noticed on our banking statement that an additional {$67000.00} had been debited from our account on XX/XX/XXXX. We called XXXX to see if the funds had been deposited in their account, but they stated that nothing had been received. 

Our bank, XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), on XX/XX/XXXX attempted to contact Wells Fargo to help us resolve the issue, but Wells Fargo told them they had no idea whatsoever regarding the issue. 

Today ( XX/XX/XXXX ), we contacted XXXX for an update with their bank, and they stated they were called on XX/XX/XXXX by an auditor from Wells Fargo who said they were in contact with XXXX to fix the issue. 

We also on this day went to XXXX and talked to the director, who confirmed that they have not received any communication from Wells Fargo regarding the issue.
Product: Mortgage

On XX/XX/2022, Rocket Mortgage made a hard inquiry on my credit reports. I had a current mortgage with them ( still do ) when they contacted me to ask if they can do an assessment to see if a better mortgage product was available for my situation. I told them I was happy with my 15-year mortgage and 3.25 % rate. As the rising interest rates had already begun at that time, I knew I had the best rate I could get. I was completely happy with what I had. 

The lady kept talking about it and said she could do a quick assessment of my situation. I did not want this until she called me and browbeat me until I finally told her okay. I was under the impression this would be a soft inquiry, otherwise I would not have agreed to it ... because again, I did not contact them, nor was I seeking a new loan. 

I remember her having me say yes on the recorded line, so I don't know if there is anything that can be done, but that practice is slimy, sorry, and predatory. I am an educated person ( XXXX XXXX ) and I still fell victim to this underhanded behavior. Even if you can't help me, they should be stopped from maliciously hurting people 's credit scores. 

Thanks!
Product: Checking or savings account

Wells fargo continuously charged me for fees on my checking account to the point to wear i finally had to close my account out with them. The double charged for fees nsf that were not mine they never credit my account back. There was fraud on my account and they allowed a deposit to go thru and posted and then charged all these nsf fees an bank fees soi just stopped banking with them and told them im not paying you anymore money after they took my whole check XXXX month and fees ate up a lot if it. would never bank with them
Product: Vehicle loan or lease

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Product: Debt collection

It was already removed and now they are harassing me with phone calls and letters
Product: Credit reporting or other personal consumer reports

I've contacted XXXX on multiple occasions requesting full and complete detailed information giving authorization to open the account XXXX that I was unaware of. They provided a document with personal information stating that it was my digital signature giving them the permission to open the account. I need complete and full digital signature details provided not just my personal information draftedon a document. XXXX of XXXX Is the supposed date of the start of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.