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

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) XXXX # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. Equifax, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX ), XXXX and/or any other private/public sector credit agency/bureau written consent or instruction to furnish said reporting.

15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
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 XXXXXXXX XXXX XXXX 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: Mortgage

In XXXX 2014 we missed one mortgage payment. Since that time, almost 2 years now we have been trying to complete a loan modification with Capital One. They continue to state that we are missing documentation, they ca n't read a date or signature on forms, etc. I have most of the documentation from them especially the one where they stated they ca n't read the date or the signature. The point is that they are stalling and stacking up fees and destroying our credit. There are many examples of this on the internet so I know that we are not the only ones dealing with this issue. We have not missed a mortgage payment since 2014 and we are willing to work with them to figure this out. They sent us a letter stating that we have a single point of contact so they abide by the law yet I have never heard from my single point of contact. When I call my single point of contact I get someone else every time. At one point we had someone named XXXX working with us and he has flat out lied to us several times. He told us that he called and left us messages which is not the case.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX XXXX  XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit card or prepaid card

Lost over XXXX on Venmo due to my card and phone being used and they wont allow me access to my account for provisional credits or any dispute resolution
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX XXXX Account # XXXX and XXXX  Account # XXXX. has voliated my rights.

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

15 U. S. C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can't furnish an account without my written instructions.
Product: Checking or savings account

On XXXX XX/XX/XXXX, there were four withdrawals made from two different ATMs from my Wells Fargo Checking Acct in XXXX XXXX. The amounts were {$100.00}, {$200.00}, {$300.00} and {$500.00}. Only one ( {$100.00} ) withdrawal was legitimate. The other three withdrawals ( {$200.00}, {$300.00}, {$500.00} ) were stolen from my account. I contacted the bank by phone followed by two letters, but to no avail. They determined that there were no errors made. I know that every ATM/debit card has a daily withdrawal limit. How would anyone be able to make four withdrawals totaling {$1100.00} the same day with an ATM debit card? 

After checking two years of online transactions, I noted that there were many suspicious activities regarding my account in excessive charges for balance inquiry fees, non-Wells Fargo withdrawal fees, and repeated withdrawals per day. 

On XXXX XX/XX/XXXX, there were eight {$82.00} withdrawals and five non-Wells Fargo ATM transaction fees ( {$2.00} ) made from the same ATM- all in one day. How is that possible? 

On XXXX XX/XX/XXXX, there were six {$2.00} charges for balance inquiry fees. 

On XXXX XX/XX/XXXX, there were nineteen {$2.00} charges for balance inquiry fees. I called the bank and had these charges ( {$38.00} ) reimbursed. 

On XXXX XXXX XXXX, there were five {$200.00} charges for balance inquiry fees. 

I have NEVER done a balance inquiry on my account as the balance is always reflected when a withdrawal is made. Within the two years of transactions, there were many repeated balance inquiry fees, non-Wells Fargo ATM transaction fees, which I can not disprove unless it was exorbitant like 19 charges in one day. There are only two auto deposits ( {$920.00} and {$280.00} ) made monthly. There is one monthly autopayment ( {$310.00} ). No checks are written. Only activities are ATM withdrawals. This is a joint account with only one ATM card, which I had canceled in XXXX due to the theft of the three unauthorized withdrawals. 

Throughout the years, no complaints were lodged so these suspicious activities continued. If the illegal withdrawals were made late in the month, it would have gone undetected. But, it was made on XXXX XXXX, which caused my account to be in the negative. My autopay for {$310.00} had not been processed yet. Also, I was charged a total of {$100.00} overdraft penalties for the stolen monies.
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 XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Checking or savings account

I opened up a  BB & T  account on    XX/XX/2017 .   I received my card on  XX/XXX/2017 .   I made my opening deposit on   XX/XX/2017     of {$50.00}.   I made 3  XXXX  transactions Mobile deposit of {$490.00} And {$300.00} ATM deposit They held my cash and mobile deposit Then on   XX/XX/17     my mobile deposit was supposed to be made available then I was told by  XXXX  it would be available. Around  XXXX  I noticed my account was over drawn  XXXX  When I called they said it was a problem with my mobile deposit so I then asked what?   A  manager  told me he is n't sure but my accountant with be back in the positive by  XXXX  I told him I been trying to pay a past due bill and the bank has held up my {$300.00} cash I deposited The bank never gave me an available balance for my mobile deposit so you all have just taken my money for no reason. He assured me my money in full would be back in my account. This morning around  XXXX  my account had an available balance of  XXXX  So I went to go attempt to pay my bill that is past due and my card declined.   I called  BB & T  and the representative asked me more than normal security questions including my drivers license number Then to tell my the fraud department has put a hold on my whole account. With no explanation.   When I made my opening deposit it was made in a branch in which I showed my ID and signed my signature card The  BB & T m anager I spoke with assured my account was fine and he would wave all fees.     I
personally feel that my account is being froze because I told multiple BB & T representatives they have horrible service and after my {$300.00} was put back I would be closing my account. It 's been 3 days and they have refused to give my my cash out my account. And if it was a problem with my mobile deposit they have yet to let me know what or send me anything.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I checked my credit report and noticed some inaccurate and fraudulent reporting that is limiting me from accessing credit. 

Title15 USC 6802 Opt-Out Letter According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given you whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 . 
According to this Act, a financial institution may not, directly or indirectly, disclose any personal information to a non-affiliated third party such as : Experian XXXX XXXX Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the creditors to stop reporting and to delete the following account : 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: Vehicle loan or lease

XX/XX/XXXX {$350.00} I received a outstating debt collection notice in XXXX of XXXX for the months of XXXX and XXXX on my Toyota XXXX for which I had made payment on my car note. I missed the XXXX payment after losing my job. Foreseeing a fraudulent repocession I contacted the local police showed them my payment receipts and debt collection slip. I was previously told by Toyota Financial that I didn't have to call for extensions the missed payment would just be added to the end of the payment schedule ending in XXXX. I had previously made two payments in one month on various occasions On XX/XX/XXXX I woke up after starting a new job and my car was missing. I immediately called the police who informed my that my car had been repoed and provided a repocession notice. I then on XX/XX/XXXX called toyota financial and was told that I had to pay either the remaining balance or over {$1000.00} to get my car back. I never received any other notices after the notice for the months that I made the payments. I received the fraud notice the same day I made a payment of {$400.00} ( my payment is {$350.00} ). I was also told that my car would be auctioned off by XX/XX/XXXX if I did not make the demanded payment. Leaving no time to get money to make any type of payment. I still have my payment receipts as well as the repo notice. 
I have tried to Upload the Receipts and Repo Notice but have not been able to... I have video of me attempting to do so...
Product: Debt collection

Name of Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, KS XXXX XXXX : NET PAY ADVANCE Amount : {$1200.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Product: Checking or savings account

I tried to open a high yield savings account advertising .60 % interest. Confirmed via phone call that account could be used for a partnership. Filled out forms and provided ACH transfer details to fund account with {$100.00} which was transferred from my bank account to LendingClub Bank. After the {$100.00} was received by LendingClub Bank they informed me that partnerships could not use a high yield account and that instead they had opened a basic savings account paying .01 % intertest. I requested they close the account and return the {$100.00}. They closed the account but have refused to refund my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you with great urgency regarding the fraudulent accounts that appeared on my credit report, which were a direct result of identity theft. My wallet was stolen by an unknown assailant, which contained my personally identifiable information ( PII ) and my social security number. Despite my previous disputing efforts, XXXX has failed to remove the fraudulent accounts from my credit profile, causing significant damage to my creditworthiness and personal finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 To Whom This May Concern : I've spent last three days starting on XX/XX/XXXX trying to find out why my Vantage Score displayed on the XXXX XXXX XXXX dropped from XXXX to XXXX practically overnight. I've contacted Experian who is the credit bureau connected to the XXXX XXXX XXXX website and XXXX Customer Service then XXXX  XXXX  Specialist Unit and also the XXXX XXXX XXXX Customer Service. I've ordered all my credit reports from all the three credit bureaus and there wasn't anything significant on any that would indicate a decline of XXXX points. I have disputed a few minor discrepancies such as wrong telephone numbers or addresses and they were addressed. I have also been told by the credit bureaus that my score was unavailable with no explanation. I've never made a late payment on my only credit card, XXXX XXXX or applied for a loan, mortgage or anything as of the like, period. I've asked for advice from XXXX and Experian and was told to ask a Licensed Credit Advisor. I'm on XXXX XXXX XXXX and by no means can afford to pay a Credit Advisor. Someone needs to give me an explanation for all this confusion and take responsibility for this mistake or mix up. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I contacted XXXX and Transunion to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the agencies representatives that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representatives told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representatives that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representatives by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representatives made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved immediately.
Product: Debt collection

Ive reached out to this company for the removal of a collection that was never owed. Ive never been under contract with the company and when I called they claimed that they could not even find the account, resulting in the removal of the collection from my credit report. The collection is now back on my credit report after being removed and negatively affecting my score, putting me and my family further behind during a worldwide pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's Credit card is incorrectly reporting the date my card was Charged off. The Card was charged off/closed in XX/XX/XXXX however, they have it showing charged off in XX/XX/XXXX. Macy 's also shows that the card is 120 days late starting up again in XX/XX/XXXX however, the card is closed, nothing was charged since the charge off, and it was sold to a debt collector prior to the late pays being reported as though my card is still with Macy 's. I also contacted the credit bureaus who will not fix the issue. Macy 's will not send me verification that the card was charged of in XXXX and they violated FRCA 623 ( a ) ( 5 ) as they did not report the charged of date accurately within 90 days of the charge off.
Product: Credit reporting or other personal consumer reports

there are unauthorized accounts on my credit report. I did not open these accounts ' XX/XX/XXXX( XXXX ) ( XX/XX/XXXX )XX/XX/XXXX( {$22000.00} ) ( XX/XX/XXXX )XX/XX/XXXX ( {$16000.00} ) ( XX/XX/XXXX ) XX/XX/XXXXt ( {$7600.00} ) ( XX/XX/XXXX ) XX/XX/XXXX( {$3400.00} ) ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

For the second time, I have had to send the paperwork to XXXX to have me added to the loan. I was provided both times the paperwork from our family real estate attorney. I have to do work and spend time trying to get this done via phone call, via email to only never get a call in regards to this from supervisor or whomever is at the end of the loanservicing email. Now - after waiting 30 days, having to call multiple times to find out you're saying my LAWYER gave me the wrong papers, or just maybe you have them wrong. I don't. I want this loan to reflect my name and payment history. I want any and all loans reported correctly to all XXXX credit bureaus. Also, as there has been money left over from all closings we've had, I am curious as to where my payments of 1/2 are. As I know legally they're issued to both owners- with an AND so therefore if my ex did anything improper, illegal- and you let him and executed this. Therefore- you both dud something illegal. I want my 1/2 of all monies to be sent via overnight delivery ASAP. I will be calling local authorities in regards to this complaint being sent today. I also requested how to have the deed corrected only to not be able to speak to anyone at all that knew how to do this - except of course for the only email they have, the good ol general loanservicing one that no one ever replies to. I have also sent my legal name change from XXXX to XXXX that was to be corrected on the loan and to be given my own pin as my ex wont give it to me. I have been waiting for weeks to get my " complaint call for a supervisor '' within 24-48hours to ever occur. 
In summary- I want my name, XXXX XXXX XXXX on the loan papers where I am listed first to be on the loan. Next, all loans to be reported to all 3 credit bureaus.I want 1/2 the monies owed me from all the closings that I never received my 1/2 of- which is to be done and is confirmed sent to both of us. I want legal ramifications on all of these issues both with my ex as well as XXXX. And finally, to get me into physical contact with someone from legal about correcting the title/deed. Otherwise, you can be informed at the next closing as a surprise- but I am trying to go about it the right way and advise you and have us do the paperwork together with my attorney at XXXX XXXX XXXX. 

I did try and attach the loan paperwork but the file was too large but I can send anytime requested.
Product: Money transfer, virtual currency, or money service

I had a problem with a cash app transaction in XX/XX/year>, and XXXX XXXX tried contacting customer service and received no help, actually no response other than I should contact my bank, which is funny since I don't have a back account linked to cash app.