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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts ( XXXX BANK ) XXXX ( XXXX XXXX  ) XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Vehicle loan or lease

I received a letter from Idaho Farm Bureau Financial Services addressed to me with my parents mailing address saying that my application for a loan was denied to purchase something from an XXXX XXXX XXXX  dealer. On the letter it says theyve pulled my credit report and looked at my financials. I have not tried to get a loan and do not use this dealer. The dealer is XXXX hours from my home and I never use Farm Burea Financial.
Product: Checking or savings account

Company applies debits before credit same day and will charge a fee of time is wrong vs full day. For example a deposit and payment happens on XX/XX/24. If they receive deposit at XXXX but debit payment at XXXX, they will reject the debit charge fee and okay deposit after the fact. 

They close accounts in negative before public timeline allotted to everyone. 

Inconsistent practices based on illegal qualifiers.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I tried contacting the creditor to advise it was a problem with the site and my payment was not being accepted. I ask them not to report the late payment they agreed but when I looked on my account they reported the late payment and it dropped my score significantly.
Product: Checking or savings account

Deposited a check and was informed that funds should clear in 1 to 2 business days. Waited 2 days to request a transaction but funds never become available. 4 days later my payment went NSF and when I called to request info they stated they are holding my funds for another 10 days without any written notice. When I asked why they would not give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to two accounts XXXX Bank and XXXX XXXX XXXX XXXX that I demand be removed from my credit report. I have submitted an FTC report ( number XXXX ) on XX/XX/2021 with my driver license and social security card to Equifax and they have not removed these two accounts. According to 15 USC 1681 b a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not provided written consent to have these accounts on my credit report no consent is identity theft.
Product: Debt collection

The company in question has been calling 3-4 times per day and leaving at least one voicemail each day since XX/XX/23. 
Payment on the account was due XX/XX/23, I personally believe a phone call first thing the next day when the account could have been still processing payment is harassment. Let alone a call every three hours after that since.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments tor the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. TransUnion, XXXX, and XXXX are reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX, TransUnion. Do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion. ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ) 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 conviction of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is the law. 15 U.S.C 1681 s -- - ( A ) ( 1 ) A states '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. '' XXXX, XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting or other personal consumer reports

It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. XXXX, EQUIFAX and XXXX are reporting inaccurate late payments for the XXXX XXXX XXXX account. This includes a 30 day late payment notice posted By XXXX in XX/XX/, a 60 day late payment for XX/XX/XXXX  posted by EQUIFAX and and XXXX as well as a 60 day late payment for XX/XX/XXXX  by XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in XXXX, EQUIFAX and XXXX violating my federally protected consumer rights. To add to this I did not give XXXX, EQUIFAX and XXXX written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX, EQUIFAX and XXXX has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Checking or savings account

On XX/XX/XXXX, I went to the Fifth Third branch located at XXXX XXXX XXXX with my first payroll check from XXXX XXXX. The check amount was XXXX and when I went to deposit it, the check was scanned in Check XXXX and flagged as being drawn on an account that has had checks returned in the past. I explained that I needed immediate access to the funds in order to move into a new apartment and avoid being homeless. I was told that if I opened a new account ( I had an existing prepaid " express '' account ) that my funds would be available on the next business day which was Monday. On Saturday, a friend of mine who works at a global investment bank and was able to come with me explained I should have been informed that I could cash the check at the bank it was drawn on. Thankfully, he also allowed me and my girlfriend to stay in his living room for a week. I was encouraged to open an account this applying the Reg CC new account exception, and my check was put on hold until XX/XX/XXXX. 

On Monday the XX/XX/XXXX, I went back to the bank and was informed of the hold and that it would be removed. XXXX who had opened the unnecessary new account ostensibly to hit her new account opening quota was unavailable and XXXX told me he do nothing. As the week progressed between the generosity of my host and my girlfriends tips we managed to eat and survive. On Friday the XX/XX/XXXX I went in again and the regional manager was there. They said that the hold would be lifted. It was not. I returned again Saturday the XX/XX/XXXX and was told to wait until the XX/XX/XXXX. I have now been homeless and penniless for 10 days. 

I am most concerned that I was not told that I could cash the check at the issuing bank which was a few blocks away and that, like XXXX XXXX, I was forced to open an account I did not want or need. There is no way the check did not clear and any financial institution with any sort of reconciliation team would have lifted the hold when the check cleared, likely Wednesday. I 'm trying to get my life in order after a very challenging couple of years and without the support of friends I could have been homeless or ended up dead in a ditch, god knows what else. This has been the most stressful and one of  the most challenging experiences of my life. Do n't bank with Fifth Third.
Product: Mortgage

After XXXX hurricanes, a freeze and a flood within a year, the home had to be completely rebuilt. During reconstruction, XXXX XXXX mortgage company held the majority of insurance settlement. The settlement was more than the remainder of balance of loan. unable to make mortgage payments while settlement showed a positive balance on mortgage payments due. Was explained to homeowner that those payments would be applied to the end of the mortgage. XXXX XXXX sold the mortgage to SPS ( Select Portfolio Servicing ). All payments to SPS were being made. XXXX payment was late, homeowner doesn't dispute that. Upon trying to pay note, was unable to make any payments. Foreclosure process was started based on history of previous mortgage company ( XXXX XXXX ) records showing missed payments. Multiple attempts to make payments have been made and SPS has refused all payment. They have stated that no payments can be made while in review. Review has now been over 6 months. More fees, interest, and debt are accrued with every day that passes. Homeowner has even attempted to make large lump payments. SPS refuses all payment attempts. State that only a complete lump sum payment can rectify the situation. Lump sum continues to rise the longer payments are impossible. Foreclosure and auction have been scheduled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact capital one but I dont have access to them at all,
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I was rejected for an institutional account with Coinbase,  which placed a lock on my personal account. I have not been able to withdrawal money from my account since then and have contacted support 6 times now with no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote numerous letters to Experian, XXXX, and XXXX XXXX requesting that they remove the fraud alert that was placed on my personal credit report XX/XX/2022. As of today 's date The Fraud alert still remains active on my profiles affecting my ability to obtain suitable housing, loans, assistance, and any other means to pursuit happiness of life.
Product: Payday loan, title loan, or personal loan

They added a XXXX XXXX account to my check n go account. I only bank with XXXX XXXX XXXXXXXX and only that company. What check n go did was criminal and fraudulent and instead of correcting the issue they still have the XXXX  XXXX account on my profile. They were expecting my loan to be deposited into a bank account that is not mine and refused to correct their or acknowledge there wrong doing. The were extremely unprofessional and criminal.
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 privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX, Bankruptcy XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Blackwell Recovery XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX On XX/XX/2020, I received a letter from you dated XX/XX/2020. The letter claims that I have a balance due to XXXX XXXX XXXX subject to a contract. 

I dispute the validity of this debt. I know of no such contract. Please provide evidence of such a contract showing my valid signature. 

Our arrangement with XXXX was based on monthly payments, which we ceased several years ago. Since then, we have not used nor intend to use XXXX 's services.
Product: Credit card

On the XXXX XXXX XXXX I received a letter from Capital One notifying me that my credit card account was due to be closed because it 's activity was not consistent with the expectations for account usage. Therefore, I called their customer success team to ascertain the grounds for its closure. I spoke with one of their supervisors to obtain more information about the reason for closing my account. She explained that despite the account having regular manual payments made, multiple times a month. The account was being closed due to a couple of automatic payments being returned and the account would be closed. To date I have not been late for a single payment nor have I exceeded my credit limit since opening the account and it has been in excellent standing. I explained that the automatic payments had not gone through because I had not updated my bank settings after changing banks recently and had been making manual payments, this was the reason for the returned automated payments. 

Throughout the conversation I asked her if this was a permanent decision and would she be able to re-open the account given that payments had always been made, and covered minimum monthly payments adequately. She was unable to offer any assistance and was rude throughout the conversation telling me she was not a credit advisor and could not help my situation - quite patronizing to say the least. When I then went on to ask exactly how the " closed account '' decision would be passed on to my credit agencies, she was unable to tell me the classification that Capital One would give for the closure. This is clearly an important piece of information for me as the account was not delinquent or behind in payments. I feel very unfairly treated in this situation as the closure both impacts my credit score and future ability to build credit. 

As an XXXX from the XXXX coming to the XXXX I have been diligently establishing my credit rating and credit history with Capital One. I am really disappointed that their decision to close my account could potentially impact my new credit rating here. In addition, I now can not use their line of credit to build and improve my overall credit rating. 

I am requesting that they reconsider the decision to close my account and keep it open in light of the frequent cleared payments and good standing of my account. Returned automated payments should not constitute grounds for closure given the good standing of my account and I should have first had the opportunity to update my bank payment details to correct this issue. I have also requested a full explanation as to why my account is being closed including citation of any breach of terms and conditions along with an explanations of the potential impact to my credit report, given in terms of how Capital One will report this closed account status to them. 

I hope you are able to assist in the matter and offer any help and advice if at all possible.
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 with XXXXXXXX  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.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, DE. XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ACCT : XXXX Original Creditor : Credit XXXXXXXX XXXX XXXX  Original Balance : {$900.00} Collection amount : {$10000.00} Dear Sir/Madam : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). Federal and state regulations require all debt collectors to send specific written documentation verifying the debt. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor. 

I dispute this debt because, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. I am also a victim of XXXX XXXX XXXX XXXX breach as well as XXXX XXXX breach. I have also been negatively affected by XXXX. 

I also tried to fix this in court, but they are scamming people using scare tactics at the XXXX courts, I really dont owe this I feel it was identity theft, from years ago. It is negatively affecting my ability to rent housing. 

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request. 

Thank you XXXX XXXX XXXX XXXX ) XXXX XXXX Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

I have tried several times requesting documentation and for the creditor to stop changing my credit report constantly. I've disputed with the credit bureau with no success and here a previous time before. My rights have been violated and I want my report to be corrected and the false reporting to stop. It clearly violates the FCRA. This company goes from voluntarily to involuntary repossessions they have garnished wages without notice then they have a wage assignment that clearly is not lawful as it does not have our social security numbers on it as required by Illinois law and we don't even remember being signing it let alone it being explained to us. They say they resold the car for an amount of {$2500.00} when it sold a few times after that for {$7500.00} or more. We have never been giving a notice that they were going to sell it, where it was sold, and when we ask about documentation for the deficiency they just write whatever they want or type it out on a paper with nothing to back it legally that they got {$2500.00} for it. They have put on our credit report that it was repossessed in XXXX of XXXX then again they put it on there in XXXX of XXXX. They've done a hard inquiry on our credit report the month of XX/XX/XXXX for no apparent reason We have never applied for credit since with them. They have moved the terms from 44 months to 94 months They are constantly changing things on the credit report and it needs to stop. I want this resolved immediately. Enough is enough and this needs to be looked at The paperwork I've turned in needs to be looked at etc It's not being looked at or it wouldn't be on my credit report like this. And besides the above problems.. this company completely ignored the governor of Illinois executive orders during COVID. Wages being garnished as well as a repossession because it was voluntarily repossessed but they've changed it back and forth on our reports so if they go with the repossessed they shouldn't have done that during that time because it was COVID and an executive order was in order by state of Illinois governor. I don't think it's right companies like this keep getting by with playing on people that have to use such car lots because of credit problems or because of income. They need to be held accountable. And turning off someone's car during COVID and for that person not to get to the doctor. As I said in a previous complaint CFPB took other car companies to court because of the same issue turning off cars keeping people from working or seeking medical attention. I hope this is the investigated to its fullest and the resolution of this matter is taken seriously and done properly