23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On their advertisement, which said If I open a saving account and consecutively for 3 months to deposit for XXXX dollars, then I may get XXXX dollars bonus. 

After I did that, I was told that on the backside of the advertisement, there are some small tiny words and tables, which said I have to keep the money in the account for XXXX month. Not easy to everyone to pay attention on the backside. because you may see that advertisement was very clear with big word as their advertisement. Now they are playing dirty game with customer. Very annoying, Actually before that, I called them and made very clear. A phone representative has confirmed with me about the condition for awarding bonus. The representative never mentioned the extra condition at all. 

They are like a scammer...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX  Account # XXXX THE BUREAUS WROTE ME BACK AND TOLD ME THEY ARE NOT REPORTING THIS ACCOUNT ON MY FILE WHICH IS A LIE!!!!! I WILL SUE IF ITS NOT REMOVED These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( XXXX ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY. 

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I contacted the company to correct the reporting on the account in reference to payment being made late. The company was sent a letter to the XXXX XXXX XXXX XX/XX/24. The amount past due was {$40.00}. I have no history of being late on this account and this is highly unusual for me to be late on any of my accounts my prior payment history attests to this. The credit card company saw fit to report this to the credit bureaus which adversely affected my credit rating and subsequently caused irreparable harm to my ability to obtain new credit or apply for mortgages. I expressed this to the company and they told me that there was nothing they could do. I also disputed this with the credit bureaus and again the credit card company refused to address the error. The statement was to arrive the day after XXXX XXXX XXXX XXXX which was a holiday so the XXXX was the date giving grace for the holiday and which I did not receive the statement.
Product: Mortgage

Request has been made to Nationstar Mortgage Holdings Inc in XXXX of XXXX  to remove Private Mortgage Insurance ( PMI ) due to 80 % loan to value being met. Nationstar refused to submit a request for an appraisal to be done due to the loan being under 2 years and no " major updates/ square footage '' being added to the the home. The home has gone through and extensive porch renovation, plumbing replacement, and complete bathroom remodel. Nationstar alleged the prior mentioned renovations are " maintenance '' and would not meet the requirements to obtain an appraisal for PMI removal. According to THE SERVICING GUIDE / Part B, Escrow, Taxes, Assessments, and Insurance / Chapter B-8, Mortgage Insurance / Section B-8.1, Conventional Mort / B-8.1-04, Termination of Conventional Mortgage Insurance obtained from the XXXX XXXX Website . 

We meet the following excerpt : If XXXX XXXX minimum two-year seasoning requirement is waived because the property improvements made by the borrower increased the property value, the LTV ratio must be 80 % or less. 
Note : The borrower must provide details to the servicer on the property improvements made since the mortgage loan 's origination. Improvements that increase value are typically renovations that substantially improve marketability and extend the useful life of the property ( e.g. kitchen and bathroom renovations and/or the addition of square footage ). Repairs that are made to keep the property maintained and fully functional are not considered improvements.
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 XXXX XXXXXXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX Bank # XXXX XXXX Account Name : XXXX XXXX XXXX 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 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 reporting 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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On or before XXXX XXXX, 2021, I applied for a personal loan. The lending company required that a certain amount of the loan be made for the purpose of the loan- credit card consolidation. When I checked my balance with XXXX of my Capital One card, it reflected a total balance of {$2700.00}, and I submitted the amount of the total balance on my statement {$2700.00}. The gave me a FALSE AND MISLEADING INFORMATION, on the XXXX of XXXX my total balance on my statement, was paid off in the amount mentioned. When I checked my statement after the XXXX and till XXXX, it reflected the amount of {$0.00} as my balance. On the XXXX it reflected an accrued interest and several fees amounting more than {$25.00}. HOW CAN I ACCRUE INTEREST AND FEES OF DIFFERENT TRANSACTION WHEN I PAID OFF MY WHOLE BALANCE???? So they did in fact mislead me and gave me false information. Very misleading and unethical bank practices if I might think so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold our loan, causing a closure and decline in our credit report and we were unaware that the loan was being sold. The new company, XXXXXXXX XXXX, checked credit, without our authorization causing another decline in credit score. When loans are sold and purchased from one company to another, credit scores should not be effected because consumers have no control over these types of transactions.
Product: Credit reporting or other personal consumer reports

MY INFORMATION HAS BEEN EXPOSED IN A DATA BREACH. HERE ARE THE ACCOUNTS LISTED : XXXX XXXX - Acct # : XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct # XXXX, Bal- {$690.00} Date XXXX XXXX Acct # XXXX, Bal- {$130.00} Date XXXX XXXX-Acct # XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX # XXXX, Bal- {$0.00}, Date XXXX XXXX XXXX XXXX XXXX # XXXX, Bal- {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Acct # XXXX, Bal- {$600.00} Date XXXX XXXX XXXX XXXXAcct # XXXX, Bal- {$510.00}, Date XXXX XXXX XXXX  ( XXXX XXXX  ) - Acct # XXXX, Bal- {$130.00}, Date XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Acct # XXXX, Bal- {$1100.00}, Date XXXX XXXX- Acct # XXXX, Bal- {$1300.00}, Date XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) - Acct # XXXX, Bal- {$690.00}, Date XXXX XXXX XXXX XXXX Acct # XXXX XXXX Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX Acct # XXXX, Bal- {$0.00} XXXX Date XXXX
Product: Debt collection

I did not receive any notices of this of this collection account and neither do I know what it primarily from. I had no knowledge of the amount of {$1200.00} ( in which this company is adding late fees to this closed collection account on several occasions within a month ). Upon researching, this company states that it is also collecting on the Behalf of XXXX XXXX XXXX XXXX ( This company can not be found to do business in the state of Mississippi. 

This judgement was placed on my Credit in 2021 damaging my credit score of tremendously decreasing it. I have tried to dispute this several times off of my Credit report, but the response constantly states that this belongs to me. They aren't advising how they have confirmed or to whom they have spoken with to acknowledge that this is my debt. However, I have recently researched that neither Wakefield & Associates LLC nor XXXX XXXX XXXX, XXXX are not licensed in the State of Mississippi.
Product: Credit card

To whom it may concern, This is in response to a denial of credit letter that was sent to me dated XX/XX/year>. 
I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 ).

I demand access to my credit immediately, with open-ended credit pursuant to 15 USC 1602 ( J ). If you do not perform your fiduciary duty and follow the Action given, I will be forced to report you to the SEC for securities fraud alongside a financial securitization audit of my account. Please keep in mind, fraud has no statute of limitations and I will seek all remedies to the fullest extent of the law. We need not be at odds, I implore you to work with me for the continued prosperity of your company. I look forward to future investments with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent information on my XXXX XXXX Credit Report. The following inquiries occurred without my approval or consent : BMO Harris- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my account with Synchrony Bank on XX/XX/XXXX. On XX/XX/XXXX, I initiated a transaction in the amount of {$9300.00}. This bank waited until the funds had left my linked account and on the next day restricted my account with them. I received a document requesting me to call in ; to verify some information to get the restriction removed. I was told that the " investigation '' was just beginning and that I would hear something in 60 days. 

I don't know about other people, but I don't have over {$9000.00} to just throw away. I think it is absolutely ridiculous that a bank will " open '' an account, allow it to be funded and then, freeze it. It is akin to theft!
Product: Credit reporting or other personal consumer reports

My credit report, inaccurately managed by XXXX XXXX, a debt collector, indicated the 1st delinquency in XX/XX/XXXX, which was when the original creditor, XXXX XXXX, actually charged off the account. The real last payment was in XX/XX/XXXX, a detail I had to unearth from my own records because XXXX and XXXX XXXX failed to provide this information despite my multiple requests ( more than two ). 

Initially, XXXX XXXX did not include any information about the first delinquency date l, date of last payment, chargeoff date actual payment amount or really anything that verifies that they legally have taken the debt over when they first reported the account. My disputes, requesting validation were initially met with a response that the information had been validated. Further disputes resulted in an inaccurately reported delinquency date. 

Moreover, Equifax allowed XXXX to exceed the standard 30-day response window for credit disputes without any action until I intervened by calling them. Given these ongoing discrepancies and failures in reporting and responding, I am requesting that this account be deleted from my credit record to correct the errors and accurately reflect my credit history.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent XXXX XXXXk a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By XXXX  XXXX  publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. XXXX vs. XXXX ( MO ) XXXX XXXX XXXX, XXXX XXXX presume that no proof of the alleged debt for therefore any such debt, in fact exists.
Product: Checking or savings account

On XX/XX/XXXX I reported unauthorized transactions I was told to disable my account transactions Its so and I had scheduled for a new card to be sent to me the following day I woke up with a email saying my account has been suspended or closed and then I needed to submit documentation all of the documentation has been submitted and they said that it would take one business day after documentation to be submitted for the account to be unlocked well its been 24 hours and they still have not unlock my account have not responded to emails Ive called about 50 times an email about 14 times with no response and I need access to my funds and they just dont wan na answer nobody
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXccount Number : XXXX Account NamXXXX XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is my 15th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have discovered fraudulent hard inquiries on my credit report, XXXX  XXXX XXXX XX/XX/year> | XXXX XXXX XX/XX/year> | XXXX XXXX XX/XX/year>. Please remove from my credit report.
Product: Prepaid card

Received a replacement card from Rush Card and can not activate my new card. Rush Card has been stating for the last 11 days that their system is down .... It is nearly impossible to reach somebody over the phone and when I do I get hung up on or told nothing we can do and we do not know when the issue will be resolved. Rush Card also does not respond to my e-mails either. Terrible service!
Product: Debt collection

There is a collection account by the name of XXXX XXXX XXXX XXXX thats on my credit thats not mine.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT I have written and call serveral times to get this account removed from my file, it was a result of fraud and/or id theft. I have called and written XXXX trying to get this removed
Product: Credit reporting

TRANSUNION SAVE YOURSELF SOMETIME IF YOUR COMPANY WOULD FOLLOW THE FCRA SECTION 609 FEDERAL LAW YOU SHOULD N'T HAVE TO SEND MY DOCUMENTS TO THE CREDITORS PER THE LAW YOU ( TRANSUNION ) SHOULD ALWAYS HAVE THE CONSUMER ORGINAL CONTRACT ON FILE AT ALL TIMES
Product: Credit reporting or other personal consumer reports

I am writing regarding my accounts referenced here : XXXX XXXX XXXX {$460.00}, XXXX XXXX XXXX {$110.00}, XXXX XXXX {$330.00}, XXXX XXXX {$800.00}. 
I recently reviewed my credit report and noticed that the account is listed as Balance Owed, despite it being charged off and the requested issuance of a XXXX form. 
This account was charged off on and I subsequently requested a XXXX form, indicating that the debt is no longer being pursued and is considered " cancelled debt '' for tax purposes. However, my credit report inaccurately reflects an active balance. 

Under the Fair Credit Reporting Act, you are obligated to report complete and accurate information to the credit bureaus. The failure to update my account status, especially in light of the XXXX form, could be viewed as a violation of this act. 

I kindly request that you update the information with all credit reporting agencies ( XXXX, XXXX, and TransUnion ) to reflect the charged-off status of this account with a balance of {$0.00}, consistent with the XXXX form. This update is crucial to ensure my credit report accurately represents my credit history. 

Your prompt attention to this matter is appreciated. Please send me confirmation once this update has been made. Maintaining an accurate credit report is important to me, and your cooperation is essential in this matter. 

Thank you for your time and understanding
Product: Credit reporting or other personal consumer reports

Equifax regarding your dispute and the potential for litigation : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Formal Dispute negative comment Information on my Credit Report Dear Equifax, I am writing to formally dispute the negative comments currently listed on my credit report Despite my previous efforts to have these inaccuracies corrected, I have yet to receive a satisfactory response or resolution. 

The negative information in question is not only misleading but also XXXX to my creditworthiness. I have provided all necessary documentation supporting my claim, and it is clear that these comments do not accurately reflect my credit behavior. 

Please be advised that if these negative comments are not removed within the next 2 days I will have no choice but to pursue legal action Litigation Lawsuit, to protect my rights and credit standing. 

I urge you to take this matter seriously and to conduct a thorough investigation into my dispute. I appreciate your prompt attention to this issue and look forward to a resolution. 

Sincerely, Also this is displayed on XXXX XXXX XXXX  platform