23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I pulled my credit report from credit check total. To my surprise I stumbled upon 3 Bankruptcy Accounts reporting in public records. So I wrote a letter to the Bankruptcy Court In Illnois informing them of the inaccuracies of these accounts reporting on my credit file. And on XX/XX/2018 The Bankruptcy Court Of Illnois informed me that they do not provide information to the credit bureaus. So on XX/XX/2018 I wrote to all three credit bureaus informing them of the letter I received from the Bankruptcy court of Illnois stating they do not furnish information to none of the three 3 credit bureaus. And on XX/XX/2018 XXXX removed all 3 Bankruptcy accounts from my credit file. I recently checked my credit file an seen that Equifax had removed the Bankruptcy from my credit file between XX/XX/2018 and XX/XX/2018. And then Equifax added the bankruptcy back to my credit file between XX/XX/2018 and XX/XX/2018. In  accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify e in writing within 5 business days. I received no notification. This is a very serious violation for Equifax. XXXX have yet to respond to my letter I sent certified mail on XX/XX/2018 in which certified mail states they received my letter XX/XX/2018. I herby demand that you immediately delete the items from my credit report. Bankruptcy Reference # XXXX Bankruptcy # XXXX Bankruptcy # XXXX
Product: Bank account or service

I deposited a check for {$1400.00} into my account on XX/XX/XXXX. Due to my account going negative back in XX/XX/XXXX they are placing a 5 day hold on any check deposited into my account until XX/XX/XXXX. When I paid my mortgage, the funds were not to pull from my account until XX/XX/XXXX, however due to a typo, the funds withdrew on XX/XX/XXXX causing my account to go negative again. By Ally having the additional hold on the check that I deposited, it is causing me an additional hardship and exra fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF AMERICA XXXX XXXX XXXX XX/XX/2005 Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that one piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by Equifax, XXXX, and XXXX, by failing to review all relevant information provided by Equifax, XXXX, and XXXX, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXXXXXX XXXX assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with XXXX, Equifax, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please CFPB forward thw documents to Capital One please. Thank you!
Product: Debt collection

XX/XX/2019 second letter I have been sent from XXXX XXXX XXXX XXXX XXXX stating I have a debt in the amount of {$420.00} from XXXX XXXX XXXX but they will settle for {$170.00}. 
I do not own an account with XXXX XXXX XXXX. 
The phone number listed in the letter from XXXX XXXX XXXX XXXX XXXX is different from that which can be found on their website also.
Product: Credit card or prepaid card

I have 2 legitimate accounts with Synchrony Bank ( an Amazon Prime card and a CareCredit card ). Today, I received 3 emails from Synchrony, one regarding " status of your recent application '' ( I havent applied for a new account ) and and 2 others regarding verification of checking accounts via trial deposits ( I did not attach a new checking or trigger a verification ). Suspecting fraud, I immediately placed fraud alerts with all 3 bureaus and called Synchrony to find out what the application is and have it cancelled. After speaking to a rep, I was told this was regarding an Amazon XXXX XXXX account ( I didnt apply for one ) but that the rep could not review the application or stop it. She transferred me to the department that was supposed to be able to, but it was just an automated system with no way to speak to a person or resolve the issue.
Product: Debt collection

I was contacted by XXXX XXXX who said they were going to get my student loans consolidated and forgiven. They set up a payment plan with Equitable Acceptance Corporation. This was XX/XX/2017. A few days later I realized they were a scam. I contacted XXXX XXXX. They refused to do anything about it and said I should have canceled within three days of signing the contract. I called Equitable Acceptance Corporation. They said there was nothing they could do about it. They are a scam too. It is now on my credit report that I owe {$1200.00} to Equitable Acceptance Corporation. I have tried to challenge it with Equifax with my credit report, but Equitable Acceptance Corporation still says I owe the money. This is XXXX! Corporations like this taking advantage of consumers. It's FRAUD!
Product: Checking or savings account

I have been a victim of identity theft and have not been able to obtain a bank account due to XXXX inaccurate reports, their report also includes a DL # thats has never belonged to me
Product: Checking or savings account

On XXXX2017 I sent {$140.00} from my Chase account to my son 's account, also Chase using XXXX XXXX. After learning from my son that the transfer never took place, I went to one of their branches located at XXXX XXXX and XXXX XXXX   and spoke to a representative, XXXX XXXX. He listened to the problem but said he could not do anything since the money was accepted not by my son but somebody else. We called customer service and filed a claim # XXXX. XXXX XXXX   reviewed the record and found that my son 's phone number on file was not up to date and the person who had the number now had accepted the money. The person 's Bank was identified as XXXX XXXX XXXX ( XXXX ). He advised to call the person and try to have the money returned and I did. The girl who answered expressed that she had accepted it but after speaking to her mother and reviewing her account the money was no longer there. Not sure if the claim filed placed this money on a special account hold. It's been almost three months and nothing has been done by the bank to remedy this situation. I believe XXXX XXXX  needs to contemplate potential errors with customers and have solutions in place understanding these are electronic transactions from bank to bank and can be fixed internally once a complaint has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

ACTION TAKEN - Sent Certified letters for past 3 years since XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, Contacted all 3 credit bureaus to file investigations to have removed.

1XXXX XXXX XXXX XXXX Past Due Amt : {$1500.00} - Orig Charge Off Amt : {$1700.00} Date Opened : XX/XX/XXXX ACTION TAKEN : Several attempts made to Remove debt due disability insurance on account. 

2- Business & Dates Requested : XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX, NC XXXX XXXX ( XXXX ) XXXX Account Type : Individual Auto Account Status : Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX XXXX : {$11000.00} High Balance : {$20000.00} Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the XXXX creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received my XXXX aligners and was not able to finish my treatment due to one set not fitting. I then realized that they went bankrupt and I had no way of getting into contact with anyone regarding my treatment plan. They switched their financing place to HCF ( healthcare finance direct ) and I can not get treatment but Im still expected to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for filing this complain against Transunion credit bureau is because I could not get access to my account to view my credit report. I forgot my username and password for Transunion. I have sent them letter and copies of my SSC, ID and my utility bill via Certified Mail and the receipt # is XXXX on XX/XX/2023, to clarify that I am the person. But I did not get any response from Transunion, so i called them and talked to the customer service and they could not resolve the problem, so they told me that their supervisor will call me in 72hour. but I did not get any call from them. I am in a hurry to get access to my credit file because I want to put fraud alert on my credit file. 
I am a victim of Identity theft ; I have filed two complains with FTC regarding two different credit cards on my name without my knowledge. The FTC report # is XXXX.
Product: Checking or savings account

Someone gained access to my bank account online by changing my password. According to the banks fraud department, they were able to change the online because they had my social security number and debit card number. Once they gained this access to my account, they changed my mobile phone number online and signed " me '' up for a peer to peer mobile payment app the bank offers. They attached this service to my savings account. They now controlled both ends of the transfer sending and receiving. They sent themselves {$1000.00} from my savings account. They then tried to change my statement preferences and email address but were unable to do so. When the money transfer went over, the online access was cut off by the fraud department being notified to the activity somehow. I have filed a fraud claim with the bank and it is still under investigation. I have changed all of my account numbers and debit card but am still considering leaving the bank and going straight cash consumer. I have also filed fraud ID alerts with all 3 of the credit reporting agencies and ID theft with the FTC and reported the incident to the best of my capability to the Social Security Administration of which I intend to follow up on to determine if a new SS # can be issued. I was informed on more that one occasions by more than one fraud agents that our ss # are our main identity identifiers ' in this country and there really is not any other in place so the reality is this will happen to me again and again in my life with my current ss #! I do not know what else to do, I feel so violated, angry and shafted by the system. It's like, we know and we are sorry- hope it doesn't happen again to you : - ) There has got to be a better way.
Product: Credit card or prepaid card

I made a payment to my Venmo Credit card on XX/XX/23 as an ACH from my personal checking account. The payment was cleared and taken out of my account as of XX/XX/23. The payment is confirmed and cleared on both Venmo and my bank. I called Venmo wondering why my payment had been fully processed but my payment was not reflecting on my credit card. I was first told that my payment was in holding and wouldnt be issued until XX/XX/23, and then was told XX/XX/23. I was told that payment can be held up to 15 days then they told me 21 days in the event of cancelled payment. This supervisor told me I could apply for more credit if I wanted to. So youre telling me that if I applied for more credit which would result in a hit on my credit report, you can add those funds but not the money that I sent you? 
Well I spoke to my bank and said that once they send that payment there is no way for it to be cancelled or retrieved. They also stated that there was no issue with the payment I sent and it was sent over and processed fully on their end. I have searched the Venmo credit card user agreement and payment information and have found no evidence of this information in the user agreement. There is no valid reason for my money to have been held from being posted to my credit line. I was also told that because my account was not 6 months old this was also another reason my payment was being held. I verified that I have had at least 6 months of billing statements from Venmo Credit card which would make their statement of my account not being 6 months old, incorrect. I have now closed the account with Venmo due to how rude and unhelpful they were. Under XXXX agreement it states that if a payment is being held that under the me tab I would see on hold next to my payment.there is nothing that says on hold. 
It also states that while this money is on hold that this money still belongs to me. I asked for the payment to be sent back to my bank and Venmo told that was not something they could do. So if while this transaction is still in hold and this money is still mine according to their user agreement, that money is still mine and they have no reason to not send it back. Also under the user agree it states that I would receive an email if my money was being held, I received no such email. When I asked to have a copy of the user agreement that I signed emailed to me, I was told there was no way for that to be emailed to me, even though everything else is sent through email from Venmo. I was told I was not getting my money and everything was computer generated so there was nothing a human could do to override it and make my money available. After speaking with XXXX supervisors, I asked to speak to their supervisor. I was told that was not going to happen and there was no one else.? There is always a supervisor to a supervisor. There is always someone else to talk to. I have worked for customer service for XXXX years. There is always a boss to a boss.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my consumer report I've noticed that XXXX is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.

Violations listed below : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 1681i - Procedure in case of disputed accuracy, Section ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681e - Compliance procedures
Product: Checking or savings account

This all started on XX/XX/XXXX, when I got a text message for a job offer at XXXX XXXX. I dont even remembered applying, but they were very convincing telling me I will get paid XXXX dollars an hour, and training will be XXXX dolllars an hour. I went through the whole process of introducing myself, and they gave me the job. The hiring manager then told me that they will send a check of {$1900.00} on XX/XX/XXXX, and to deposit. I deposited and then told me to send money to vendors. I sent the money and sent proof of the transaction. Then they gave me another check on XX/XX/XXXX which was {$2500.00}, deposited it, confirmed, and sent more money to vendors. A couple days later, I received a email from my bank telling me that the checks got bounced back because the account didnt have any money in it. And money was taken out of my personal account because the checks were empty. I told them, and they will tell the supervisor. The next check they sent me was XX/XX/XXXX which had {$3500.00} for more supplies, but they told me its a legit check and to deposit it immediately. I deposited and send out more money to vendors. They even told me the XXXX was for gas and other bills. Then they also told me that on Thursday XX/XX/XXXX at XXXX, I will be talking to my supervisor about everything and introducing myself to the company. I woke waited, waited, and waited for XXXX hours and nothing. No call and no text. I decided then to search the company name and scam, I clicked the first link, and saw similar stories from people that they got scam from the group and it was really recent too. I then decided to dispute the transaction through my bank, but the next day they declined it. I wanted to send evidence to prove that it was fraud, but they told me they couldnt do anything about it. Overall, I lost over {$13000.00} to this fraud and I really want my money back.
Product: Mortgage

XX/XX/2021 {$28000.00} hud {$290000.00} first mortgage with Lakeview loan by XXXX Lakeview gave me an 18 month forbearance loan due to covid hardship At the end of the 18 months they redid my first and I was told I didn't need to qualify since it was already approved. 

We signed our loan docs with a promise to pay to Hud for {$28000.00} No where did we see that we would have to pay back the amount we didn't pay for 18 months, plus an additional amount of XXXX to Hud and there would be no reduction off the first once we did pay the XXXX. 

So we got an equity loan with another bank and they wanted the lien paid so they wouldn't be in the third position. 

When the loan went thru they sent a {$28000.00} check to hud and paid it off. This didn't reduce our {$290000.00} first at all and safe cu, Lakeview loan/XXXX and hud gave no good explanation while I almost paid double for a freeze in payments and I have yet to see an email of the breakdown. 

I have called multiple hours, lots of emails and very little help on the matter of the last two months. 

This was like borrowing {$1.00} from a friend and then he says don't worry about paying me back for 18 months then having to pay him back the {$1.00} and owing his brother XXXX on top of it. This is literally like dealing with a loan XXXX and I would never have done the forbearance if I would have know that I would be paying almost double for a freeze in payments. 

Can I please get an itemized breakdown of why and how this happened from Lakeview and I would like to dispute that I owe the 18 months lost payment plus a XXXX penalty
Product: Mortgage

I am requesting that US Bank remove my PMI. I have paid extra towards the principal and I am now below the 80 % threshold. I was told that I need another appraisal to prove that the value of the home has not fallen below the original value. They have the original appraisal and I do not see why since the loan is based on that appraisal. I also do not see why I need to incur additional expenses to have my PMI removed since I am at 78 % of the original value of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  in the beginning of the year so there is no way I purchased a vehicle from XXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized auto loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.
Product: Credit reporting or other personal consumer reports

Unknown inquires including a few companies I already had an account with. Looks like someone stole my mail and has been trying to open accounts. 

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
Product: Debt collection

The debt in question was court ordered to be paid by my ex-wife, XXXX XXXX because she was the one living in the house, not me. I do not owe this debt, nor did I use any of the electricity I am being billed for. You may contact the XXXX XXXX Court house in XXXX Ohio to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i am submitting this complaint without any influence from any party or agency.Please see attachements/ attached documents and ID as it contains my full complaints and request