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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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

I have XXXX " Former Addresses '' listed in California that are not mine. I have never been to California nor have I lived at either of these addresses. The XXXX addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Checking or savings account

I opened a Chime account on XX/XX/XXXX and was able to login and do everything. I initiated the first deposit and shortly after received an email from the company that my account was locked. I had previously verified my identity by submitting the front and back of the drivers license. 

Yet, they wanted this again so I took another photo with my phone of the drivers license, social security card and a utility bill. 

They then keep coming back stating they need a clearer picture with different background. I even uploaded a photo using a flatbed scanner at XXXX and all were perfectly readable. They are fraudulently stating that they need clearer photos and refuse to unlock my account. 

I want to be able to get my money out and can not do so while the account is locked. Please help.
Product: Student loan

As student loan repayments were starting back up, EdFinancial sent me a statement in XXXX that reflected my payment for my income-driven plan, which was around XXXX XXXX/month. Closer to XXXX, they sent me a different statement for XXXX XXXX/month. On XX/XX/XXXX, I called them to find out why, and they said I had been changed to the SAVE plan. I told them I never submitted anything to be switched and asked why they switched me, but the representative didn't have an answer. I asked to be switched back, and the rep said it would take up to 32 business days, and I still had to make the {$970.00} payment for XXXX. 

Over 32 business days later, I called them on XX/XX/XXXX to find out why the change hadn't been made yet. The rep at that time saw the previous request but didn't know why my plan hadn't reverted back yet. She told me she was placing my request in an emergent status, especially since my account is soon transferring over to XXXX. She then placed me on hold to try to get ahold of her supervisor, which was to no avail. She said she tried to make more calls, but she still received no reply. From there she said I could simply go into delinquency if I wanted to, and I would have to wait for a call back at a later time. Not trusting that, I again had to make another {$970.00} payment. Now into XXXX and my account closer to transferring to XXXX, my plan has still not been changed back to my plan that was supposed to be good until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i didnt authorize or sign a power of attorney or consent in anyway or form for anyone to open up a XXXX credit card in my name for XXXX $ which is fraudulent i never had the knowledge or access to this account no signed contract with my signature with the date of opening the account and i tried to reach out and get help they just tryna make me pay for something that does not belong to me and i refuse to pay for this fraudulent account i want it removed off my account immediately asap thank you
Product: Vehicle loan or lease

I've been a customer of GM Financial for two lease vehicles. I have NEVER been late until XX/XX/2019. I was XXXX  with TWINS & me & my spouse was planning to purchase a home because our family was now expanding & we needed more rooms. We were on our way to a meeting with our mortgage consultant & it starts to snow & it turned into a blizzard. A truck zooming by spinned out in front of my husband 's car causing our vehicle to flipped over & hit thr bank. I was 6 months pregnant. They had to cut the top of the vehicle to get me out. My husband was injured & so was I. I had to have an XXXX  XXXX. XXXX XXXX, died immediately out of the womb, XXXX XXXX XXXX XXXX XXXX was in XXXX ( I found out about the XXXX baby after I came out of XXXX ). XXXX XXXX died a few days later as well, he was the smallest. I was inpatient in the hospital while my last baby fought for his life. He soon died as well. I was released to a inpatient rehabilitation center, but now it was XX/XX/XXXX. My lease note was due XX/XX/XXXX. To be honest, the last thing that was on my mind was GM Financial. I had just lost XXXX kids & me & my husband were both injured & I had one child at home still. My mom brung my mail to my facility & I called GM Financial to explain the situation via online messenger. I paid it immediately, 32 days past due. I told them that I have a great credit report/score, no late with them or any financial institution on my credit file & asked if they could forgive the late payment as a good will gesture. They denied me after calling about it several times. I even emailed the CEO to explain & her assistants were very rude to me, unapologetic & lacked sympathy. I couldn't believe how they were handling me after this very vulnerable moment. The late marking was accurate, but due to no fault of my own. I had no control of the situation. I would've never been late if circumstances were different. This is the only late marking on my file. All the other institutions were so understanding. This negative marking has ruined my credit profile, has caused me to be denied other credit & low APR 's even with a healthy profile & a credit score of over 740. I have been a great customer to this company. I will never lease with this company again because this one minor thing has shown me how this company feels about me as a client. Out of all the people I've talked to at GM Financial about this, not one has even said, " I'm sorry for your loss. ''
Product: Debt collection

I noticed Credit Collection Services on my account when I was denied credit in XXXX of 2015. I disputed this debt with the credit bureaus and I sent a letter to this collection agency requesting validation of the said debt. I never got a response back from them and they continue to verify this debt as mine to the credit bureau which is a violation of the FCRA. I can not make them give me this information but I can certainly report them for reporting it without proper validation. This mark on my credit has caused me damages and if not resolved immediately I will take necessary action.
Product: Debt collection

I have tried to dispute this account multiple of times. No action was taken other then updated info..
Product: Debt collection

There are XXXX Capital one credit card accounts listed which I never had XXXX, my father whom past away XX/XX/XXXX had the same name as me and I had a business that was closed in XX/XX/XXXX I do recall XXXX account which was a business debt NOT personal. I need some assistance requested verification and validation nothing received.
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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

I bought a car using Associated Bank for Financing in XXXX  2021, I made a payment in XXXX, unfortunately the car was in an accident in XXXX, I Called Associated Bank immediately, I asked if I needed to make XXXX payment, they said no as long as the insurance company pays them off in 10 days, I called XXXX and got an email from XXXX that the loan was paid, in early XXXX I got a letter stating there was a gap in what the insurance paid and what was owed, I made a payment that day, made a payment in XXXX, and paid off the Account in XX/XX/XXXX, I received a 30 day delinquent notice to all XXXX credit bureaus -this was reported falsely!!! I need this removed from my credit ASAP, Thank you
Product: Credit reporting or other personal consumer reports

I was out of work from XX/XX/XXXX XXXX. I purchase XXXX XXXX  from XXXX XXXX. I filed the claim from XXXX, XXXX. The claim was not paid to my account until XXXX, XXXX. XXXX XXXX through XXXX XXXX was supposed to make payments to the XXXX XXXX account XXXX XXXXXXXX as long as I was out of work. 

No negative credit reports were to be filed. But late payments were reported in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a home loan and was informed that there was a collection on my account. Upon reviewing the item listed, I determined that it dosent belong to me. 

XXXX XXXX Reported in XX/XX/XXXX. Opened XX/XX/XXXX with a balance of {$8700.00}, placed in collection.
Product: Credit reporting or other personal consumer reports

Trans Union is in violation of FCRA 611 regarding a dispute I submitted via CFPB # XXXX XXXX on XX/XX/XXXX and Trans Union acknowledged receipt on XX/XX/XXXX and sent a response with results XX/XX/XXXX, stating I would receive a reply in the mail. 

The basis of my dispute was based solely on FCRA 602 which states I have a right to privacy and FCRA 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without the consumers written instructions. 

Additionally, The XXXX XXXX XXXX XXXX XXXX places Trans Union in blatant violation of law. 

Trans Union is now compelled to delete the XXXX accounts listed below because they FAILED to conduct their investigation in 35 days. 

Trade : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX have also discovered that both accounts are reporting Date of Last Payments XX/XX/XXXX and should also be DELETED because they are over XXXX XXXX XXXX and this is another violation that I may have to take to COURT. 


This is also a request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( A ) ( 7 ) as I am requesting the Name of the person ( s ) you spoke with along with their Address and Telephone Numbers. 

I am also requesting the procedure ( s ) used that led to my dispute being updated/verified. 

I understand that if you do not forward me this information in 15 days I can collect financial compensation in a Court of law. 

Again, delete both accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXX XXXX Balance XXXX {$2900.00} 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, SC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate account with Experian a number of times. I have disputed it with the other 2 bureaus and the item was deleted. Not from Experian however. This last time I mailed in my dispute and they received it around XX/XX/XXXX. It is only XX/XX/XXXX and yet they are saying the item remains. The dispute is regarding a car that was paid off with insurance. I have asked Experian to send me proof of validity to no avail. How did they investigate after only 10 days. This is causing me to not be able to purchase a home. I am desperately trying to get them to correct this discrepancy NOW!
Product: Debt collection

I found fraudulent accounts on my credit report, and they're affecting my credit. Please remove them.
Product: Mortgage

XXXX XXXX, an agent of Rocket Mortgage informed me that if I choose Rocket Mortgage, they offer interest rate reduction when the Federal Interest rate decrease. He never ever told me that I cant do it until after 6 months of having the loan. Once again, this is another Mortgage Co telling me misinformed information. And XXXX XXXX  told me that this is not refinancing under the VA streamline program if I request a lower interest rate reduction based on the VA program. So, later, I requested from Rocket Mortgage to lower my interest rate in the streamline interest rate reduction program now that the interest rate has decreased, and Rocket Mortgage told me that I have to refinance. This is misinformation. And the reason why Rocket Mortgage should have given me this crucial important information is because then I may have not refinanced with Rocket Mortgage or even used their Company. They misled me so that I would agree to refinance my mortgage with them, Rocket Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my previous complaint with COMPLAINT ID # XXXX originally filed on XX/XX/XXXX. I received a second response from EQUIFAX on XX/XX/XXXX. Unfortunately, out of the 9 accounts I submitted complaints about, because of the gross inaccuracies and discrepancies in them, EQUIFAX complied with my request to " DELETE '' only on five of them. The failure of EQUIFAX to accurately report these items on my credit report as of the time I filed my initial complaint on XX/XX/XXXX violated my FRCA right and prompted my initial complaint against them regardless of any correction or update on their part later. I hereby demand that EQUIFAX without further delay " DELETE '' the remaining 4 accounts and take full accountability for their negligence and blatant failure to accurately report my accounts. 


XXXX XXXX XXXX ( Account # XXXX ) XXXX Account Type Detail : Credit Card Account Status : Closed Date opened : XX/XX/XXXX High Credit : {$17000.00} Credit limit : {$16000.00} Last date of payment : XX/XX/XXXX EQUIFAX Account Type Detail : Credit Card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$0.00} Credit limit : {$16000.00} Last date of payment : XX/XX/XXXX XXXX Account Type Detail : - Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$15000.00} Credit limit : {$0.00} Last date of payment : XX/XX/XXXX XXXX XXXX  ( Account # XXXX ) XXXX  Date opened : XX/XX/XXXX Credit Limit : {$6600.00} High Credit : {$7700.00} Last date of payment : XX/XX/XXXX EQUIFAX Date opened : XX/XX/XXXX Credit Limit : {$6600.00} High Credit : {$0.00} Last date of payment : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX Credit Limit : {$0.00} High Credit : {$7600.00} Last date of payment : XX/XX/XXXX XXXX  XXXX XXXX XXXX Account # : XXXX Account Type Detail : Credit card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$2700.00} Payment Status : Current Last date of payment : XX/XX/XXXX EQUIFAX Account # : XXXX Account Type Detail : Credit card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$2700.00} Payment Status : Late 30 days Last date of payment : XX/XX/XXXX XXXX  Account # : XXXX Account Type Detail : - Account Status : open Date opened : XX/XX/XXXX High Credit : {$0.00} Payment Status : Current Last date of payment : - UNIVERSAL PAYMENT CORP EQUIFAX Account Type Detail : Unsecured loan Monthly Payment : {$0.00} No. of Month ( Terms ) : 3 Payment Status : Collection/chargeoff Last date of payment : XX/XX/XXXX XXXX  Account Type Detail : Collection Monthly Payment : {$220.00} No. of Month ( Terms ) : XXXX Payment Status : Late 120 Days Last date of payment : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account ( 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.
Product: Credit reporting or other personal consumer reports

Upon checking my most recent consumer report I found that these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report. The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contain transactions and experiences ( utilization and or late payment history ), which is to be excluded from a consumer report. This company also has no permissible. 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! There is Also Personal Information that is incorrect such as name spellings and alias that I have never went by and there are also addresses listed that I have never lived at. There should only be one name listed and one address listed. There are inquiries listed 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  ) that are not tied to any account.
Product: Money transfer, virtual currency, or money service

I opened a Venmo account XX/XX/XXXX. There were some issues not sure exactly what since I have not received any explanation on why my account was frozen. It has been frozen for over 10 days. I sent almost 40 years in banking and familiar with regulatory laws concerning hold on new and existing accounts. It was my understanding 10 days was the longest fund could be held by the bank. I am assuming if they are regulated by CFPB then they have similar regulations. They frozen the account XX/XX/XXXX and are holding {$570.00}. My last access I had to my funds was XX/XX/XXXX. They requested I send an ID which I did on XX/XX/XXXX. All I want are my funds so I can close my account.
Product: Credit reporting or other personal consumer reports

recently i looked at a copy of my credit report and noticed several innacuracies on my account. this account is hurting my ability to obtain credict it is my understanding that you will investigate these items for me XXXX ensure acuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i can see XXXX account
Product: Credit reporting or other personal consumer reports

I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title XXXX chapter XXXX. Concerning the accounts listed below as a consumer i'm demanding a deletion of these accounts.I demand that the following accounts be verified or removed immediately.Please remove any fraud alert from my account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize credco to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX and XXXX attachment is my police report for fraud