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

I noticed that there are unauthorized things on my credit please remove them all immediately. my information was exposed in a breach
Product: Credit reporting or other personal consumer reports

account. 
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. 
XXXX XXXX XXXX XXXX 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 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 inaccurate. 
XXXX XXXX Other {$140.00} Negative XXXX XXXX XXXX XXXX XXXX {$0.00} Negative XXXX XXXX XXXXXXXX XXXX Credit card {$150.00} Negative XXXX XXXX XXXXXXXX XXXX 
Other {$1200.00} Negative XXXXXXXX XXXX Other {$560.00} Negative XXXX Cred Other {$2000.00} Negative > XXXX XXXX - XXXX Other {$900.00} Negative XXXX  XXXX Other {$640.00} Negative XXXXXXXX XXXX  - Other
Product: Checking or savings account

Since XXXX I have not been able to access my bank account with US bank. I received a work check for XXXX and tried to do a mobile deposit in XXXX. It did not go through, as the work place went bankrupt, and my account was flagged for fraud. I tried for a month to get back into my account, to use it normally, and I could not. I was advised to close the account and open another. The problem followed me into my new account, and no one can get me into my online banking. I have not been able to pay rent as I use XXXX, and have been forced to wire money and pay a fee to wire. It is now end of XXXX. I have called the institution about 10 times, and at least 6 times I have been locked out of my account by representatives of the bank. I just today went into a branch location, explained my issue, and said not to lock my account, and that the same mistake continues to be made. I have incurred late fees on rent because I can not use my XXXX feature with online banking. I allowed the representatives to do their thing, and next thing I knew, once again, they said I'm locked out of my account, gave me the same advice, and for the XXXX time I can not get into my account. There is no end to this. I'm running in circles following the same advice and can not access my bank account. I can't go in to a branch or call on the phone to have the problem resolved. 3 reps in the branch have tried to fix this issue for me, and many reps on the phone have attempted to fix the issue for me. Everyone has continued the issue instead of resolving it. I have no idea what to do and I can't pay rent on time for months and giving me fees for using a wire since I can not go into my bank account online and use XXXX. This is an infringement on my rights to access my money for 3 months now.
Product: Checking or savings account

Hello, On XXXX XX/XX/year> I received a text from SOFI Just checking, did you spend {$490.00} at XXXX XXXX XXXX XXXX CO XXXX Reply YES or NO. 

I replied NO SOFI then froze my account and asked me to contact them. After speaking with them the stated I have to call them back in XXXX hours for the charge to post to my account. I waited the XXXX hours then contacted them again to open a claim. I received an email on XX/XX/year> stating my claim was denied. I couldnt understand why since I didnt make the charge I called them back and they were adamant there isnt anything they can do. They stated on XXXX {$490.00} will be with drawn from my account. I proceeded to ask question and ask to speak with a manager and XXXX wasnt available. The I had someone on the whole stating they can help me. When I told them if I keep getting the run around I will contact the CFPB. As soon an I said that the gentlemen XXXX XXXX XXXX said the email I received that the investigation was closed was sent in error. Now I know Im lied to I said since its still open please send me a email stating what it is open. He proceeded to send me a message in the SOFI app Not an email. As of today XX/XX/year> the {$490.00} was withdrawn from my account I contacted them explained to that he situation informed them there employee lied to me and sent me a letter. Asked to be transferred to a manager then was disconnected after she asked like she was helping me. I called back and then got a different manager that stated there is nothing they can do. I will attach the text messages and email. Please be informed that all the calls were recorded by SOFI as they stated all calls are recorded.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a notification with a link from what I thought was Citibank to identify myself due to fraud. I clicked the link and provided them with further information in hopes to keep myself safe. Later that day, my XXXX card stopped working which led me to call XXXX. XXXX told me that someone was trying to hack my XXXX card and so they changed my XXXX number to resolve that problem. Around the time my XXXX  was hacked I noticed that a wire transfer was made from my Citibank checking debit card of the amount XXXX, completely unauthorized. I contacted Citibank and currently working on closing my bank account and resolving this issue.
Product: Credit reporting or other personal consumer reports

On my Equifax Profile the following Companies obtained a hard inquiry. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX XXXX, Account number : # 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : 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

I disputed a fraudulent card opened in my name with XXXX XXXX XXXX with all three credit companies and I am not getting any result. I have never applied, received or used this card, so I will not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am a consumer who reached out to Equifax about 13 loan accounts that were reporting on my consumer report without my written consent pursuant to 15 USC1681 b ( 2 ) Equifax did respond to my first Consumer Financial Protection Bureau. complaint stating, they could not find me in their data base but a few weeks later removed the tradelines from my report on XXXX XXXX Im sure that denied having-my personal information because i have a right to privacy, and no consent is IDENTITY THEFT. publishing this information has for years caused my Equifax report to have a lower score, and also affected me from being able to obtain certain things at a lower rate. Is so frustrating that these bureaus have the power to do this to consumers it is fraud, it should be more done to stop this invasion of privacy. Pursuant to 15 USC 1681n ( a ) Equifax violated my consumer rights and is liable for XXXX each violation I have invoiced this organization in reference to my remedy. I will pursue more legal action if I do not get a response back from Equifax for the suffering and also the fraud that was taking place. Deletion is admission and Equifax never had my written permission to furnish this information. I do not have the account number Equifax has removed the accounts, the accounts were under fed loan, and i will attach an exhibit that I also provided to Equifax I have sent a invoice demanding payment for violating my federal rights. 15 USC 1692 fair debt practices act references individual privacy 15 USC 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. Equifax was reporting XXXX worth of an alleged debt without my permission, and I demand that they respond to my invoice with payment I have also attached exhibits that I sent to Equifax
Product: Mortgage

Citimortgage changed our loan where we were no longer able to make our payment through automatic withdrawal. They also discontinued our ability to sign into our account on line. I was passed around to different customer service individuals over the last two months. They promised they would send me a form that would allow them to make a automatic withdrawal, but I did not receive them. They said they would be unable to email them, but they could fax or mail it. Today ( XXXX-18 ), I spoke with a customer service rep in XXXX. He said it would be up to 72 hours before a supervisor could get back to me. Also, he will send me an encrypted email with the auto withdrawal form, but that could take up to 7 days. He will also attempt to mail it again. 

Our last two payments have been past due as a result of Citimortgages changes and their inability to resolve a problem they created.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  Account # XXXX XXXX  and account # XXXX XXXX, has violated my rights.

15USC 1681 section 604 sates I have the right to privacy.

15USC 1681 section 604A section 2 : its 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 card account under an open end consumer credit plan as a late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 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. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation fo

r : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Student loan

I received a government scholarship grant from the XXXX in XXXX. That grant was converted to a debt without my knowledge, passed to collections, and my XXXX tax return was taken and put toward that debt. 

I did not have the opportunity to justify that I satisfied the grant stipulations and was not informed the grant was being recovered. 

I also can not get information about the debt including the terms, and do not have a way to pay this back in a fair way. 

The only information I received was a debt collector notice and then a letter from IRS about my tax return being taken after the fact.
Product: Credit reporting or other personal consumer reports

First Im a XXXX veteran, I have never ever been late on any bill. My credit at the time was about 750 per experian. I had a capital one credit card XXXX XXXX XXXX XXXX, expired XX/XX/25. I very rarely used it but I bought my friend flowers XXXX day, the bill was roughly XXXX usd. I use XXXX but I went to a local Capital One bank and told the teller to pay the total amount. I usually always have at least XXXX in my checking account, which I did. I use XXXX to monitor my bank account. I've had a XXXX so its smart to have a company that montiors my checking account. They sent me a message and I checked my account and noticed that the teller let {$2.00} left on my bill. First of all it makes absolutely so sense at all would I leave XXXX dollars left on a bill. It has gone over 90 days. My credit went from 750 to 620! XXXX told me it was courtesy that Capital One would take care of it, I sent them a letter and they told me it would be taken care of. XXXX has called them, emailed them & they keep telling me they will take care of this. I have been doing this for years! Im a XXXX veteran  and my credit is extremely important to me. Now I need a small loan and they still havent taken care of this. Capital One has ruined my credit for XXXX. If I had enough money to hire a lawyer I would. Why would they ruin my credit for their own mistake!! Please Help me!
Product: Vehicle loan or lease

On XX/XX/year>, my vehicle was involved in a total loss. The lender was Mazda Financial Services. I finally resolved all the outstanding issues around my account near the end of XX/XX/year>, and a check was mailed to Mazda Financial Services ( MFS ) by my XXXX coverage provider on the XXXX of XXXX. 

By their own accounting, MFS owes me a refund of {$1300.00}. However, they have only been able to send me billing statements, requesting I send a payment to them for the amount of XXXX. I have contacted them twice about this issue, and both times was reassured that the next correspondence I was receiving would be my refund. However, they keep sending these billing statements for a negative amount. After receiving the second incorrect bill, I tried to call MFS at XXXX XXXX, which is during their advertised business hours of XXXX to XXXX XXXX. I was not answered, and received a message saying this was outside their business hours.
Product: Debt collection

My house was foreclosed on a XX/XX/2018 and there was a bankruptcy filing that discharged the debt owed on the second mortgage in which XXXX XXXX is claiming. On multiple complaints I've requested for a simple letter from XXXX XXXX XXXX XXXX XXXX to relieve me of the debt that is no longer owed, but yet again it appears that they want to resell the discharged debt to another collector and creating more distressful life for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$290.00} ) Please remove it from my credit report. 

The following account is not mine XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$490.00} ) Please remove it from my credit report. 

The following account was never late XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Please correct this inaccurate information on my credit report. 

The following account is not mine XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ) Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$55.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX  Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$640.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$620.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus, XXXX, XXXX, XXXX asking them to please investigate and send me an update. Have not received a response. 


Inquiries : Name Requested On XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual SYNCHRONY FINANCIAL XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCBCARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.