23daVinci/CFPB_Complaints huggingface dataset:
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 Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : 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: Mortgage

This is an old case but after hearing about all of the fraud Wells Fargo committed, I am now convinced that I too was a victim of fraud. I had gotten a loan modification several years ago from Wells Fargo. Later, got laid off. When I called to inform them, they encouraged me to enter a deferred loan program. Told me not to send any payments until I received paperwork. This was XXXX. Received paperwork in XXXX then was informed that the program I entered required all deferred payment amounts to be paid immediately after program. When I said I could not, was told not to worry, wed do a loan modification. I am now 3 payments behind when I had made 3 years payments on time prior so I proceed. After program ended, they demanded deferred amount and would not accept any payments. I filed for loan modification but was denied. Was told that my income was not sufficient though I was earning over $ 35k more than I was previously when they granted me a loan modification. I appealed several times and each time was denied. This ultimately led to my home being foreclosed on. I fought like XXXX but who can win against the banking industry. I was the victim of Wells Fargos unethical business practices.
Product: Mortgage

Around XX/XX/XXXX I notified my Mortgage holder that the Property address on my Mortgage Statement was incorrect. I've been corresponding with them ongoing concerning the correction that's needed. They went back & fourth for months through XXXX changing the mailing address! Finally they realized after much paperwork, it was the property address & also the Deed of Trust was written & documented wrong! XXXX XXXX & now it's XXXX I'm still getting the run around. 

XX/XX/2020 they sent me a generated letter after my writing a long letter to them about my concerns of why this correction is taking so long. I've sent them documented proof from XXXX County, the tax statement which has the property address on it & still this generated letter states there reviewing it. 

I'm so frustrated with this can you please help me? 

Thanks
Product: Credit card or prepaid card

I am again being charged a late fee because the credit card company stated I was an hour late paying my bill. They said I needed to pay by XXXX XXXX- I live on the XXXX XXXX XXXX I have never had to pay a bill by a certain time of day. Also, it is not clearly stated that it is XXXX XXXX ; I believe this is an attempt to collect additional money from customers ( in addition to high interest rates ). Payments are required by a certain date- in my experience, ending at midnight ( local time ) based on my location. 
when I called initially, I was lead to believe by the rep I spoke with that I just needed to call in the next day to ask for the fee to be waived. When I called to have the fee waived they refused to even discuss it saying the person I spoke with should NOT have said that and I had to pay by the time they stated regardless of where I lived. I believe this is an attempt to fraudulently collect fees and take advantage of customers - senior citizens in particular ; I am over XXXX XXXX XXXX.
Product: Debt collection

Financial Credit Network , Inc. has committed several violations and the negligence committed by XXXX XXXX XXXX XXXX. This is a frivolous collection, the original creditor failed to notify me of any past due bills after I called in XXXX and closed the account. I was told there were no payments due, despite me giving them my forwarding address there was no notices sent to me. 

Also there is no original contract he creditor has that allows them to report this to my credit report. The collection company also has doctored the date of last activity and is reporting inconsistent information across all XXXX credit bureaus, despite my dispute with them. 

I request that your company deletes the account from all credit reports. The account information is as follows : Account # XXXX, date opened : XX/XX/2021, original creditor : XXXX utilities. 

Please see attached document.
Product: Vehicle loan or lease

Name XXXX XXXX Date XX/XX/2022 Companies involved : Consumer Portfolio Services and XXXX XXXX XXXX On XX/XX/XXXX I went in to XXXX XXXX to purchase a vehichle. They are known to work with people in bankruptcies. I am currently in a Chapter XXXX and I had my approval letter from the trustee and all the documents that were asked of me. After 8 long hours I was financed by Consumer Portfolio Services. I asked the salesman 100 times was I financed because I didnt want to drive off with a car that I would have to bring back. 
XXXX XXXX called me for a welcome call from the finance department. I have a speech impediment and it takes me a while to respond and speak. She seemed annoyed so I asked if I could call my fiance mid thru the interview because she seemed annoyed. After setting up my banking info with the finance company and purchasing insurance, now 2 weeks have passed and XXXX XXXX wants the vehichle back. I made a down payment, purchased insurance and other items. XXXX claimed they rescinded on the loan because I did not disclose I paid XXXX XXXXt. This is clearly false. I submitted all my check stubs and it clearly shows that I pay XXXX XXXXt. I need my vehichle to get to work, and I dont have money to just give away. I think the loan was rescinded because I dont speak well.
Product: Debt collection

On XX/XX/2021 I sent a certified debt validation letter to Quality Asset Recovery concerning a collection account I observed on my credit report. The deadline for their response has come and they have failed to validate this debt. According to the Fair Credit Reporting Act, this company is not allowed to report a debt that has not been validated.
Product: Debt collection

i have tried to contact this company because they are on my credit report and trying to collect money from a credit card company that has reported mycard as active and open while also reporting the same card as closed
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged identity theft but I still have remaining fraudulent items left that need to be removed. I was going through my records & noticed that many files that do not belong to me still remained. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found listed identity theft report # XXXX. Please remove these items : EXPERIAN : XXXX XXXX XXXX  **** Balance Owed {$610.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX **** Balance Owed {$0.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BANK XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  BANK XXXX, XXXX 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on My report. Specifically the two bankruptcies XXXX & XXXX. The Agency - Equifax then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I  proceeded to ask for a Re- investigation on XX/XX/ and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/ at XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/ at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Equifax. Their own two agents XXXX XXXX on XX/XX/ at XXXX and Previously XXXX XX/XX/2018 at ; XXXX could not provide information on the steps and method of verification the company used to verify the information. 
The only clear thing is that the Equifax is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Equifax.
Product: Credit card or prepaid card

I want BBVA Compass to stop sending me credit card offers in the mail. BBVA Compass is a company with poor standards and practices that markets itself as a real bank. BBVA Compass sends me a ridiculous amount of fake offers in the mail and I don't want to receive anything from BBVA Compass regarding anything they have to offer. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, CA XXXX. I want BBVA Compass to remove me from any mailing list or consumer database they have or use.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Dispute of Derogatory Account and Associated Inquiries on XXXX Credit Report Dear Sir/Madam , XXXX am writing to formally dispute the information listed on my XXXX credit report, specifically regarding a derogatory account and associated inquiries. Despite my efforts to rectify this matter directly with the creditors, I have been unsuccessful in achieving a resolution. 

Below are the details of the disputed account and inquiries : # # # Derogatory Account : - **Creditor : ** XXXX XXXX XXXX - **Reported : ** XX/XX/XXXX - **Status : ** Closed - **Balance : ** {$4800.00} ( 120 % of credit limit ) - **Credit Limit : ** {$4000.00} - **Monthly Payment : ** {$190.00} - **Opened : ** XXXX XXXX, XXXX - **Payment History : ** 75 % of payments made on time - **Last Payment : ** XXXX XXXX, XXXX - **Current Payment Status : ** XXXX Days Late - **Amount Past Due : ** {$820.00} - **Worst Payment Status : ** XXXX Days Late - **Account Status : ** Closed - **Type : ** Credit Card - **Responsibility : ** Individual - **Remarks : ** Canceled by credit grantor - XXXX XX/XX/XXXX Days Late : ** XXXX - **Closed : ** XXXX. XXXX, XXXX - **Creditor Information : ** XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DE XXXX, ( XXXX ) XXXX # # # Associated Inquiries : XXXX. XXXX - XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX** - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX I have made multiple attempts to address the discrepancies and resolve this issue directly with the creditors involved, but to no avail. The derogatory account and associated inquiries are negatively impacting my creditworthiness and financial well-being. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and assist me in disputing the accuracy of the derogatory account and associated inquiries on my XXXX credit report. Additionally, I request your guidance on the appropriate steps to take to rectify this situation and ensure the accuracy of my credit information. 

Enclosed are copies of any relevant documents supporting my claim, including correspondence with the creditors and evidence of my attempts to resolve the issue. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these discrepancies and restoring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

An autopayment for the minimum amount due was paid on XX/XX/XXXX, on XX/XX/XXXX I paid the rest of the balance in full. When i checked to confirm, capital one added another {$190.00} in interest charges. I called XX/XX/XXXX to dispute, no ther cards added interest after i paid them in full, and they stated nothing they can do
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove these items to prevent any potential fraud due to the exposure of my personal information. 
Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$4500.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$270.00} Inquiries to Be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report the account XXXX XXXX XXXX XXXX incorrectly. The consumer agencies do not have access to my private financial records so there is no lawful way they verified these late payments. Remove these payment immediately or I will sue and ask that you place the financial records into evidence for my inspection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

MIDLAND CREDIT MANAGEM # XXXX I'm unaware of this debt and did not have the opportunity to dispute this debt as no information was sent to me. In addition, please send the following : Assignment of Debt Method of Verification of Debt Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.
Product: Credit reporting or other personal consumer reports

My personal information was shared and leaked. There are several things on my credit report that are incorrect and the Equifax has refused to fix the problems.

1. I have several old addresses and phone numbers that Ive disputed with no help.

2. Several payments were late due to the hurricanes here in Florida and were discussed with the creditors but the credit company has them listed as late anyway or missing payments anyway.

3. Old last names attached to my report still, as well as old addresses and phone numbers.
Product: Money transfer, virtual currency, or money service

Cash app closed my account due to violation of terms and noe I can't cash out my XXXX balance in the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  credit freeze I applied for XXXX  settlement which they said was $ XXXX $ XXXX I never received my settlement check
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SYNCB/CARECR XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) 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 reporting or other personal consumer reports

15 USC 1692c ( c ) this information is inaccurate, and the company is still reposting it to my credit report. I have file a dispute and the information still keep re-appears on my file, remove Incorrect information and stop reporting the inaccurate information to my current report please. 

Acct XXXX
Product: Checking or savings account

Citibank is withholding my refund for personal gain in refuseing to put my refund in my account to my available balance. My refund went into the pending state imedeitly days ago. But Citibank bank been holding my refund for days in the amount of {$270.00} and {$68.00} to cause me irreparable harm of not having access to my funds. I would likey funds in my available balance as soon as possible. 

Thank You. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my Equifax credit report and I seen that XXXX  XXXX XXXX  AND XXXX XXXX XXXX was on there. I have never dealt with them nor signed paperwork with them. They believe that this is mine, I've also requsted them to show me that I signed ( signature ) a contract with them. I submitted a report with the FTC. I do not know who this company is and never signed any paperwork with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account with Comencitycapital/XXXX  XXXX has violated my rights. 

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

15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furniss an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under any opens end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/2021 I used my BlueBird by American Express to transfer funds from my Checking Account ( XXXX ) to my BlueBird card. I have a {$500.00} limit on my XXXX card for withdraws and needed to withdraw {$750.00} to fix my vehicle. After speaking with XXXX I was able to withdraw the full amount needed and instead moved about {$30.00} into my Bluebird card for my significant other to use. After checking my Bluebird account via their online app I saw the funds were there and available. Today XX/XX/2021 I tried logging into my Bluebird account again and I was locked out. I called their customer service number ( which has no way to get in contact with a customer service representative ) and found out via a recording that my card had been suspended. I checked my email and was sent a generic letter saying that my account was suspended indefinitely for activity that went against " section 22 ( d ) in my membership agreement ''. After looking up the section 22d I am still confused and not able to get ahold of any customer service representative regardless of the several numbers listed on their website. No where in the membership agreement or section 22d does it state what will happen to funds left in the account upon closure. I have had many many issues with the BlueBird by American Express in the past ( My account was hacked into, I was locked out, the App never works and always says the system is down, among many other issues ) I kept this card as a backup to move funds into periodically for use by my significant other and am not upset my account was suspended as this company is troublesome all together, and I would never recommend anyone to get a BlueBird by American Express card. However I would like to be able to speak with a Customer service representative when issue occur but it seems as though this company does not want its customers to get ahold of them.