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

The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  OPENED ON XXXX XXXX {$370.00} Account name : LOUISIANA XXXX XXXX OPENED ON XXXX XXXX {$820.00} has 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 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. 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 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.
Product: Debt collection

I was told that if I entered into a payment arrangement with them that they would not report the debt to credit. I started making payments immediately. I then checked my credit a month or two later and they in fact had started reporting the debt negatively to my credit.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Address - XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

I was contact by I.C. System about a debt that they claim I owed them. I ask for debt validation but they instead send me a letter with offensive language. I sent them a Affidavit of Truth stating to them that they had violated laws under 15 USC 1692. The violations committed were 15 USC 1692b ( 5 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), and 15 USC1692g. I have also attach proof of these violations.
Product: Credit reporting or other personal consumer reports

the account is question with this complaint can be found on the credit profile under a closed account, labeled under the corporation name as " XXXX XXXX '' also better known as XXXX XXXX extension of credit. The reason for the dispute is for defamation, financial injury, and willful injury. Pursuant to the following laws and upheld court cases. since this creditor has been reporting false and inaccurate information, the laws that they have violated are as follows XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . this would imply fines of {$22000.00} for the missed payments that have been inaccurately reported for the past few years. this is pursuant to 15 USC 1692k ( 1 ) - civil liabilities ( 1 ) any actual damage sustained by such person as a result of such failure ; and to the extent of damages incurred by the wronged party as deemed by the courts. further more. the credit " bureaus '' in reality agencies claiming to be a part of the government, have failed t update my credit profile even after numerous attempts, of attempting to correct the credit information. The precedent law for this claim lies in the following federal laws FCRA 623, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ) the fines this violation carries are determined by the extent of the damages incurred by the wronged party, as deemed by the courts. this is further codified In law federal law in 15 USC 1692k ( 1 ) - civil liabilities, Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum ofany actual damage sustained by such person as a result of such failure ; lastly pursuant to 15 USC 1692c ( c ) - cease and desist, this is putting this company on notice to stop all illegal activity, any communication and collection activity, including the reporting of said debt to the credit bureaus, which constitutes, collection activities of this and any alleged debts. until the information that I am requesting the public and private GAAP accounting records of the account being disputed, the name of the original creditor, and the flesh and blood human being that validated the debt.

this debt collector has also grossly misrepresented the debt, and has also violated federal laws by doing so. the precedent laws that fall under this are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and has lastly violated the fair debt collection practices act. also known as the FDCPA. 15 USC 1692e ( 2 ) a - The false representation ofthe character, amount, or legal status of any debt ; or and 15 USC 1692e ( 2 ) b - The false representation ofany services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. these things generally fall under false and misleading representations. this carries violation of XXXX fine per violation and this has 22 counts of violations simply for the missed payments alone.
Product: Credit reporting or other personal consumer reports

XXXX sold my account to a collection agency but it is still showing open on my credit report. 
Payments are being made to the agency as part of a settlement. 

XXXX has been settled but it's not updated on the credit report. 

XXXX is not derogatory. I have a clear title. 

I am working with XXXX XXXX formerly XXXX XXXX XXXX  and have called them to ask for assistance in getting the XXXX and XXXX accounts corrected but have not been assisted.
Product: Credit reporting or other personal consumer reports

Per their own terms and conditions each bank Ive dealt with stated that they dont share transaction history with third party affiliates as well as my SSN. I wouldve never guessed it would be each and every transaction and social that they would share with a company called early warning services. I have the full report Ill be uploading. 

The law is clearly doesnt matter to the these institutions. 

Privacy Act of 1974 5 U.S. Code 552a
Product: Credit reporting or other personal consumer reports

I never gave any kind of consent for these agencies to pull my credit report and they are fraudulently reporting this information defaming my character and causing harm to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681d2 ( 2 ) Exclusions - any reporting containing information soley as to transactions or experiences between the consumer and the person making the report. ( XXXX ) the term " consumer report '' does not include ( A ) subsection with information being transformed between reporting agencies and consumers. This is in violation of my rights. XXXX, Equifax XXXX XXXX reported that they have verified all accounts but that is not true as for as charge offs and late payments from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How can you verify when you have several accounts that are paid/closed and still being reported as negative? Also, you have accounts listed as being late without providing proof of investigation procedures used to report these derogatory items on my consumer reports.

15 U.S. Code 6802 ( a ) I did not receive any written or oral consent option to give any non-public information such as transactions to third parties such as the consumer reporting agencies. 
Per standards of FCRA and XXXX XXXX anything reporting must be 100 % completely accurate, and verifiable which they are not. I demand a Cease and Desist to remove all negative items, such as Charge Offs and late payments as paid as agreed immediately.

With the latest news of the misrepresentation of information being incorrectly reported by both XXXX and Equifax with their law suits. I do not trust that my consumer reports are being handled the right way and I would like for them to be corrected.
Product: Debt collection

This account is reporting new charges from XXXX ; which is an impossibility. XXXX XXXX card can ONLY be used within the XXXX network/ military installations. The service member hasn't been in the military since 2021, no new reporting should exist on this account. 

The individual is not liable for the debt in question with XXXX STAR, as there is no contractual agreement between the individual and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX an original contract, thereby negating any legal obligation on the part of the individual with respect to the alleged debt.
Product: Mortgage

Our mortgage is through First Bank Mortgage. We received notice that effective XX/XX/XXXX, the loan was being sold to XXXX XXXX XXXX. The XX/XX/XXXX payment was paid through autodraft on XXXX. The amount paid was {$2600.00} ( {$2200.00} regular payment + {$400.00} extra to principal ). On XX/XX/XXXX, First Bank reversed this payment ( labeled as " misapplied funds '' ), as well as one other payment from XX/XX/XXXX ( {$160.00} ) which was an extra to principal payment. I called and asked for an explanation and was told it was due to the XX/XX/XXXX transfer. On XX/XX/XXXX, I received a statement from the new servicer ( XXXX XXXX XXXX ) and noticed that the outstanding principal balance was {$2500.00} higher than the balance shown on the First Bank statement that was issued after the XX/XX/XXXX payment. On XX/XX/XXXX, I called First Bank to ask why the XX/XX/XXXX payment and XX/XX/XXXX payments were reversed, and they had no explanation. On XX/XX/XXXX, they applied {$2200.00} from the XX/XX/XXXX payment, but the two extra principal payments of {$400.00} and {$160.00} were not applied to the outstanding principal. I have spent several hours on the phone with First Bank trying to resolve this and no one seems to understand what happened. 
FYI, the XX/XX/XXXX payment that is shown on the attachment is NOT a new payment. This is the XXXX payment that are now applying on XXXX. The XX/XX/XXXX payment was made to XXXX XXXX XXXX, the new servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a payment deferred status with on my XXXX XXXX  account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX XXXX and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

My name is XXXX XXXX I was sent by mail this notice from Jefferson Capital system LLC on  XX/XX/2019. Which arrived to me on XX/XX/2019 them amount is in the sum of {$150.00} but has been reduced to an offer of {$93.00}. On that day of XX/XX/2019 I have contacted there customer service department and explained to them that the XXXX XXXX XXXX in question was paid off and the account has been closed. For well over 10 years and not been sent any notices of payment from Jefferson Capital. during that time frame.
Product: Mortgage

This is a response to complaint # XXXX which was responded to us by Santander Bank. Their response is inaccurate and untruthful to say the least. They state that they sent a letter in XX/XX/XXXX and received no response. If they sent the letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, then they should've known that I left the property because that's what they agreed to. In fact, the house was listed after that and pad locked so I wouldn't have access. I also gave them my forwarding address and my email address. I lost my job and came to Michigan to live with family to rebuild. Foreclosure was a traumatic experience and I reached out to cooperate so I could move on. 

In addition, if what they are stating is correct, it took from XX/XX/XXXX to XX/XX/XXXX to foreclose? Is that a timely response? Is that acceptable to the CFPB? Below is what they are reporting to my credit report. I just want the accurate information reported, they had possession of the home as of XX/XX/XXXX How could I be late in XXXX, XXXX, and XXXX if I didn't own the property? They sent one letter in XXXX years? They knew I would cooperate because I was in contact with them since I wanted to make the process as easy as possible. I didn't want my house to just sit empty and I wasn't angry with them, I just couldn't find work. I owned the home with no issues for close to 9 years prior to that and I paid on time until I fell on hard times. 

120+ Lates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST ; FORECLOSURE STARTED In addition, I have tried to call several times when I discovered these errors and they were not helpful. I left several messages that weren't returned or they were rude when I did manage to reach a live person. I need the CFPB to help with this for this reason. Thanks,
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. 

I contacted XXXX, Experian and XXXX to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXX : XXXX, XXXX XXXX XXXX XXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 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.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations
Product: Bank account or service

Issue with PNC Bank, on XX/XX/2016 I made a mobile check deposit for {$150.00}, on XX/XX/XXXX, I looked at my balance and I had a positive balance but did not see the {$150.00} kick in, I used my bank card that day, my car insurance was paid so looked good, in my number on XX/XX/XXXX, I was supposed to have a balance including the {$150.00} deposited on XX/XX/XXXX, however, to my surprise my account was negative. I immediately called the back as this caused lots if stress that day as I had no money available. The rep on the call tried to help and I explained about the {$150.00} that I never saw get into my account, and that it was showing as pending on the statement for the day, the rep then called the deposit department who stated there was a glitch in the system and that is why it was showing as deposited and in pending, but that in actuality it was not deposited, and that the next day I would see the payment kick in and my balance would turn positive. I waited for the next day and my balance was still negative, then everyone stated the funds were released on time that there was no glitch, I requested for the recording to be pulled as I wanted an explanation as I was hearing 2 stories. They took over 3 weeks to get a response and basically they told me the recording was pulled and action was taken, but I never got a response about the {$150.00}. I know that PNC does not need {$150.00}, but to me they have lost my money and this is a reason I can not trust to continue to be a customer there, they never addressed the statement made by one of their reps about a glitch. I was watching my account spending 's really closely and I am sure I was not off for that much money, therefore, for me those {$150.00} were never deposited to my account. Really disappointed as they never gave me a real explanation as to why someone said there was a glitch. I am a computer engineer and I know systems are perfect but glitches do happen and transactions can get lost
Product: Checking or savings account

It has been XXXX weeks and my {$5000.00} deposit is still sitting as pending. Essentially they have stolen my money.
Product: Credit card or prepaid card

As the company clearly states in its XX/XX/XXXX response to my previous complaint, on the call from XXXX XXXX, 2017 with the company 's lending department, the specialist from the company advised me that I was unable to submit a balance transfer until I received my card. That is why I paid down my balances on my XXXX cards. I was led to believe by the specialist that the balance transfers were not complete because I had to wait until I received my card to submit a balance transfer. The company is expressly admitting this in its response. I again ask that Chase reimburse my transfer fees since the lending specialist clearly told me that a balance transfer could not be submitted before I received my card. Only reason why I paid down my XXXX balances and I am now stuck with XXXX dollars in fees for transfers that were not needed. I respectfully ask the CFPB to require Chase to reimburse me for the fees, now that they have expressly admitted that they provided conflicting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Checking or savings account

Was a customer between XXXX. Charged overdraft and frozen fees. Want compensation.