23daVinci/CFPB_Complaints huggingface dataset:
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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I read about the Equifax breach on the morning of XXXX/XXXX/XXXX, and decided to look into it to determine if my data was at risk. 
I visited the www.equifaxsecurity2017.com website, and thought it was interesting that it was a separate domain instead of a sub-domain of the equifax.com domain. I did additional research, and checked the XXXX records, which appeared to be anonymous ; I could n't find any information in the XXXX record indicating any affiliation to Equifax. I did a little more digging, and found a news article XXXX https : XXXX? XXXX ) indicating that the site was, in fact, set up by Equifax as a breach notification website. 
I submitted the information requested ( last name and last six digits of SSN ), and was told that my data may have been involved in the security breach. 
I 'm quite frankly concerned and bewildered at why it took Equifax so long to disclose the breach, and why I had to learn that my data was involved by stumbling upon an article rather than the company reaching out to me. 
I 've placed a fraud alert on my file through XXXX XXXX website, so I should have a 90-day window to detect and prevent any misuse of my data, but if my data is still out there, it could be floating around cyberspace forever.
Product: Money transfer, virtual currency, or money service

Several transactions where charged to my account between XXXX during which time I was XXXX  and did not give authorization to anyone to use. There's was a total of XXXX transactions made chime made XXXX separate dispute tickets all of the transactions on the XXXX dispute ticket where paid immediately the XXXX dispute is unresolved and should have been resolved on XX/XX/2024. I've contacted customer support numerous times, they tell me they will escalate my case and within 3 days I should get an update. Still no updates, I'm never able to speak to an XXXX regarding my dispute, I'm ignored. I do have supporting documents which I sent to chime.
Product: Debt collection

A XXXX credit account was made with my information unknowingly, the individual who made the account was using to purchase numerous amount of products and paid themselves directly. I found out about this account when XXXX credit contacted me asking if I was making a payment on the XXXX XXXX dollar balance pending. When I received this call I thought it was a prank call or fraudulent. I have spoken with the debt collection company and told them to take the account off my credit. I was told to make a police report for fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... CREDITACPT XXXX ... XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

On XXXX XXXX, 2016 I paid off a home equity line of credit to Wells Fargo Bank. The day we sent the payoff check I called Wells Fargo to ask what the payoff amount was. I was quoted, {$57000.00} over the phone as the payoff amount. A check for that amount was sent to Wells Fargo that day. 

My home equity loan was paid off, and my account was closed. Then Wells Fargo opened up mortgage account, ( which I never signed any documents for ), and sent me a bill for {$670.00}. 

I called Wells Fargo and filed a dispute, stating my loan had been paid off with they amount THEY quoted me as the payoff amount. 

Because I complained, Wells Fargo retaliated against me by DAMAGING MY CREDIT RATING. They also sent me a letter, telling me that no payoff amount was request. THAT IS A BLATANT LIE. I CALLED THEM ON THE PHONE BEFORE THE CHECK WAS ISSUED AND REQUESTED THE PAYOFF AMOUNT. The payoff check was the amount I was quoted over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$79.00} XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$89.00} XXXX Balance : {$50.00} XXXX XXXXXXXX Balance : {$74.00}
Product: Mortgage

XX/XX/23 I discovered an error in my escrow and insurance on my mortgage statement. 
Bank of America taking out extra funds for escrow/insurance each month. 
My insurance is $ XXXX yearly. 
My insurance is {$120.00} monthly. 

My mortgage statement shows I have been paying {$200.00} monthly for insurance. 
This property has been TAX EXEMPT for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late open XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX is attempting to collect a debt from Synchrony bank for an auto shop credit card i paid off on XX/XX/2018, i never paid interest in this account, they gave XXXX month deferred XXXX % interest, i paid off {$1700.00} then. I am being charged for pretty much the credit limit {$4700.00} out of {$5000.00} for a charge i never made nor i approved, the account was sold this debt collector, they have an open law suit and the constantly threatening and harassing. This charges are fraudulent, i had several Synchrony bank accounts, i have bought furniture, mattresses, appliances, tires, repaired my car and even financed a motorcycle with Synchrony bank, i never defaulted, had late payments and in most cases never paid interest. I opened a dispute on the credit bureaus and the agent suggested to open a dispute with the Federal Consumer protection as well. I hope i can find a resolution to this matter with using these tools and steps.
Product: Credit reporting

XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX DELINQ XXXX IQUIRE NOT DONE BY ME XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX , FL XXXX
Product: Mortgage

CFPB Complaint XX/XX/XXXX Subject : SunTrust Bank wrongful holding of Mortgagee insurance proceeds. 

Facts : 1. XXXX XXXX approved a Hurricane Irma damage claim in the amount of {$80000.00} +/- for a replacement of the total roof and issued an initial insurance check in the amount of {$52000.00} made payable to home owner and SunTrust. SunTrust has a copy of XXXX documents. 

2. Check was signed by homeowner and delivered to SunTrust on XX/XX/XXXX 3. SunTrust advised Mortgagee to comply with SunTrust Claim-check procedure which mortgagee did in full on XX/XX/XXXX. 

4. SunTrust advised that eventually Mortgagee would receive {$40000.00} of the {$52000.00} sometime and the balance in two equal installments. One when 50 % of work is complete and one when SunTrust determines the work to be complete. This is in addition to a {$12000.00} holdback held by the insurance company which petitioner accepts and believes is fair and reasonable. 

5. There is no need for SunTrust to hold any of the money or require Mortgagee to waste time and money completing the unnecessary Claim-check process. There is no risk to the bank as the balance of the mortgage is less than 35 % of the value of the house. This was documented in the attached XX/XX/XXXX letter to SunTrust CEO XXXX XXXX ( Exhibit A ). This letter received by SunTrust via email on XX/XX/XXXX ( Exhibit B ) and a few days later by XXXX. No response from SunTrust CEO. The letter detailed the wrongful nature of the money grab and demanded immediate release of the full amount of the insurance proceeds. 

6. A second letter ( Exhibit C ) was dated, sent and received by SunTrust on XX/XX/XXXX pointing out the harm to Mortgagee in having to use retirement assets to pay the {$25000.00} initial payment to the roofing contractor in connection with the roof contract executed on XX/XX/XXXX.This letter also pointed out that this wrongful holding of Mortgagee money may very well violate the SunTrust Code of Business Conduct and Ethics which may be of interest to other oversight agencies of the US Government . 

7. Mortgagee is advised that SunTrust will not pay interest on Mortgagee money it is wrongfully holding. 

8. A third letter ( Exhibit D ) critical of SunTrust CEO Non response and bank partial response was sent to SunTrust on XX/XX/XXXX. This  letter again demanded immediate full payment with interest. 

9. There is no rational or logical reason for SunTrust to wrongfully hold money due Mortgagee. There is absolutely no mortgagee risk to SunTrust. While there is language in the mortgage that seems to give SunTrust the power to hold Mortgagees money that is obviously a Contract of Adhesion and not enforceable in law. 
 10. In addition to processing this complaint I would like CFPB to investigate if this is a scam to force people without additional capital into high interest rate loans while holding their insurance and not paying interest..
Product: Debt collection

I obtained a loan in the amount of {$320.00} from XXXX XXXX XXXX at XXXX XXXX, LA. I called on Friday XX/XX/2018 inquiring of repayment options. I appeared before them at approximately XXXX XXXX the following day to submit the partial payment for the " buy-down '' option and I was told that for that option, they would only accept cash although this was not told to me previously and for the loan I had originally received a cheque anyhow. The procedure was misrepresented by-phone. Incidentally, since I was on my lunch break, I left because I had to return to work. I checked my account balance via ATM on Mon-Tues the following week and assumed that XXXX XXXX had obtained their money. 
I began receiving phone calls. The phone calls persisted for several days. Each time I received a call, they hung up. I deem the " calling-and-hanging-up '' behaviour as harassment. I have not received any other type of communication to-date. While FDCPA does not provide an exact number of phone calls to be considered, it is common sense that calling and hanging up repeatedly, sometimes before anyone can answer the phone is undoubtedly harassment. Under that premise, my consumer rights are being violated under FDCPA, which hold that a creditor may not behave abusively in an effort to collect a debt.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am trying to get a mortgage loan through XXXX XXXX XXXX The underwriter came back and said that they see XXXXXXXX XXXX XXXX on my report one being XXXX and the other being XXXX. The XXXX XXXX is showing a balance of {$33000.00} and closed only on my Equifax credit bureau. Which made the underwriter include XXXXXXXX XXXX XXXX in my XXXX when I only have XXXX XXXX XXXX XXXX and that's XXXX. XXXX is no longer in business and transferred my loan to XXXX. I tried to dispute this with Equifax previously and they did nothing and I just recently on XX/XX/year> submitted another one as well. This is making my availability to afford a higher loan lowered when it shouldn't because it is inaccurate information.
Product: Debt collection

I paid a debt owed of {$280.00} however its still reporting negative on my credit report. Debt has already been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom it May Concern, I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C . {$16000.00}, every single one even each any or all of the unproven, non-compliant, Incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be negated in its entirety or the alleged accounts are to be completely deleted. 
The Following derogatory account allegation are either UNTRUE, UNVERIFLED, OR INCORRECT, or otherwise not proven compliant to regulatory federal reporting laws and or standards and MUST be removed immediately the Infraction are as follows : Account Name : XXXX XXXX Account # XXXX Late Payment : I am demanding that this account be updated to paid as agreed and never late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance Implemented with the CRSA enacted CDIA METRO 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting 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.

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: Debt collection

This company has sent me a letter telling me that it was being returned to them because a bad address. This debt doesnt belong to me they even spelled my name incorrectly. im going to include all the letters they sent or say they tried to send me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX PACIFIC CREDIT EXCHANGE added an updated inquiry date as if they had accessed my credit report with permission. I havent contacted Pacific Credit Exchange for the month and year of XX/XX/XXXX. 
Pacific Credit Exchange had an inquiry on my credit report from XX/XX/XXXX which was scheduled to be on my account until XXXX of XXXX. I havent authorized anyone else to use my information to contact Pacific Credit Exchange or have I myself contacted them the month and year of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX are reporting on my Credit report that payments are late which i never set up any payment plans or nor have I agreed to pay and they have considered trying to validate these debt which is not enough evidence for me to know if these are truly my debts to pay and if they actually purchased these debt from the original creditor they so called purchased them from. There is no documentation showing my signature and where I agreed to any of it. 
Look attached items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please delete thefollowing items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an issue with Lending Club institution. 
They have been reporting missing payments since XX/XX/2020. I have a proof of all automated payments from my bank. I provided to them, but they did not even respond. 
I called them and spoke to one of the managers and he said there is nothing they can do. 
I just wanted them to correct reports and fix their mistake.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 at XXXX XXXX, I received a denial for a recent application. I did not reapply nor did I ask or authorize this company to make an inquiry on my credit. They will not be to provide you a call recorded nor a documented app or request for higher loan limit. 
Especially since I am an existing customer with current loan already. So that is more evident I did not apply. This is the second time they have done this in the past two years ; apply for a hard inquiry on my credit that was not initiated not authorized by me. I want them fined and penalized.