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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose! 

I never gave this creditor permission either verbal or in writing!
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Fraud Charges of XXXX, XXXX, XXXX on XX/XX/2023 This was for a XXXX way airline flight from XXXX to XXXX I called this company and thought I was speaking with a legitimate XXXX XXXX representative. 

On XX/XX/2023, I called XXXX again, this time the real XXXX XXXX, and inquired why my on line account had a return trip XXXX  to XXXX. 
I spoke with Handled by XXXX Minnesota XXXX of XXXX Canceled tickets XXXX and XXXX. 
She informed me that I had been scammed. These tickets did not have 1. any personal info attached so they could not contact me about any changes. 2. The illegitimate company could have canceled these tickets without me knowing .3. It is possible that they would not be honored when I showed up. 

I tried to call the illegitimate company to inquire what was going on. The same number that I originally made the call on would not connect. A website that I eventually found associated with them had no way of contacting them! 

I bought legitimate tickets on XX/XX/2023 reflects on the attached PDF of my citi XXXX card. Please note the XXXX charges of XXXX to XXXX for legitimate tickets from XXXX to XXXX. 
Please reach out to me at XXXX if you have questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone keeps trying to open a credit card work my information through Bank of America ( BOA ). BOA keeps running my credit even though I've told them I'm not doing this...
Product: Credit reporting

I have contacted Experian on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Experian is complicit in allowing this. Each time I ask Experian to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX 3 ) XXXX XXXX Bank ( 4 ) XXXX XXXX It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Product: Credit reporting or other personal consumer reports

I've been a victim of XXXX, and now there are fake accounts and debts under my name. I would really appreciate it if you could look over my credit report considering this situation and help fix any mistakes or fraudulent actions that have taken place.
Product: Debt collection

To Who m It May Conce rn, I am filing this complaint because of unfair consumer rights. I have been disputing the amount of my  XXXX  bill final amount due every since I completed my 2 year contract. I no longer wanted to use their service and sent them all of there equipment. This amount of {$120.00} has been in collections fo r 2 1/2 ye ars. I contacted AFNI Collections to settle the account because they sent me an offer that if I paid {$62.00}, which is half of the claimed {$120.00}, that  XXXX   XXXX  said that I owed. So, I agreed to pay the {$62.00}  ( C heck  XXXX  dated  XXXX   XXXX ,   XXXX   ). Now that I have contacted both  XXXX   XXXX  and AFNI Collections to have this moved off my credit report and to have it reflected as paid, both companies are giving me the run around on who owns the account and who should have received the payment. But, I was told by the collections com pany AFNI to send   payment to  XXXX  because they could not receive money directly, but they could make the agreement to make a settlement offer because they worked for  XXXX   XXXX . I have paid the agreement that the company that was listed on my credit report had offered to settle this. I need to get this resolved. As you can see on the check that I paid, it lists both companies on the check. Now  XXXX  has another collections company trying to collect another {$62.00}.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , AR  XXXX   XXXX  XXXX  XXXX   (   XXXX  )  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed negative information reported on my credit report with Experian several times. This is not my account XXXX XXXX XXXX. Fraudulent information regarding over credit limit in XXXX XXXX. This account has been charged off since XXXX. Experian continue to report as late and over the credit limit XXXX XXXX when it been closed since XXXX due to fraud activities over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Card Service Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX Card Services Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act, XXXX Card Services Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 





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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

LoanDepot assumed our mortgage in XXXX without disclosing that extra flood insurance would be required. Our HOA has a flood insurance policy. They started notifying us in XXXX with generic Robocalls and then sent mail correspondence originally asking for the flood insurance policy certificate which was sent to them. Then in XXXX they started threatening us that if we didn't purchase flood insurance, they would purchase the policy and charge us extra each month. When I asked them how much was needed, they said I would have to speak to their insurance department. When I called their insurance department, they said they couldn't speak to me because I wasn't an insurance agent. They never provided the amount of flood insurance I needed and they never told me how much it would cost. I spent an extensive number of hours talking with numerous representatives and Supervisors in Customer Service trying to obtain more information for which all provided contradictory and constantly changing information. Even though the last person I spoke with, a Supervisor, told me that it looked like we could pay down the loan to offset the need for additional flood insurance but he would have to call me back to confirm. I never received a follow-up phone call and we received an email on XX/XX/XXXX letting us know that they purchased flood insurance without our approval while we were in the process of trying to resolve the issue. It was confirmed that they actually did this on XX/XX/XXXX yet no one told me this during the many conversations I had with multiple representatives after that date. One representative even told us that we would receive a final notice letter in XXXX and then we would have 30 days to rectify the problem, but that was also more erroneous information on top of other erroneous information.
Product: Credit card

AT & T Universal ( Citibank ) raised my rate due to a late payment almost two years ago. I was told the new rate 28.00 % plus would last up to one year. I recently noticed the rate was still 28.00 and I called to ask why. I was told by the agent ( XXXX ) that information was " proprietary '' and he could not tell me. I told him I was going to close the account, he did not argue, did not try to keep my account (??? ) I asked him if he investigated could he tell me, I was placed on hold, he returned and he said " no. '' I closed the account today XXXX/XXXX/2016 as my other credit cards are half that rate ( or less ) and I have a credit score over XXXX! I would hope the rate they are charging and the " proprietary '' reason can be investigated. As a consumer I believe I 'm entitled to know why I 'm being charged 28.00 % when I have good credit.
Product: Credit reporting or other personal consumer reports

On around XX/XX/year>2023 my card was fraudelent used put it over the limit I paid for several months my monthly payments on time waiting for a resolution however wells fargo want to force me to pay a charge that was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, certain accounts and inquiries have been fraudulently opened or made in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report : Accounts to be blocked and deleted 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XXXX, XXXX 2023 my credit card was stolen. The were ( 18 ) unauthorized transactions totaling {$30000.00}. Discover stated that they have completed the investigation and could not say for certain that the transactions are in fact unauthorized. They stated that this is due to the fact that two of the transactions were made using XXXX XXXX. I'm not sure how this happened as my phone was also stolen so that means someone had access to my information. Since their recent determination, they have reinstated the fraudulent charges back on to my account. This means that my account is maxed out and will ultimately effect my credit score. I have updated Discover with the details of the scenario regarding my phone and they have pushed the case to further review, however the charges will remain on my account for the foreseeable future. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I was a victim of the equifax data breach my information breached sold and traded illegally without my consent.

This is innacurate information and needs to be removed from reporting.

This is violation of the FCRA rights and are all reporting different things on my reports.

I have attached screen shots of the innacuracies on all 3 credit reporting beaurus a long with proof my data was sold illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX. 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Payments that were marked late by your company for the following accounts : XXXX XXXXXXXX XXXX Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

On XX/XX/2016, I received a letter from Kramer and Frank that states I owe {$100.00} to XXXX XXXX XXXX. I have not received a bill for this amount from XXXX XXXX XXXX, and they have not attempted to contact me about the amount owed. 

I have no problem paying the amount owed, but Kramer and Frank needs to send me an itemized bill of medical charges. Simply stating I owe {$100.00} to XXXX XXXX XXXX is n't enough to demonstrate that I owe this debt. Furthermore, I have attempted to match the unpaid amount to my XXXX XXXX XXXX XXXX XXXX claims, and there are no matching dollar amounts. In addition, once they have provided an itemized bill, proving I owe the amount stated in the letter, I am willing to pay the amount under the condition that they completely remove the collection item from my credit bureau reports, specifically because XXXX XXXX XXXX has not sent me a bill for this amount prior to placing the account for collection with Kramer and Frank. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX, DOB ( XX/XX/XXXX ) In XXXX of XXXX I made a call to XXXX XXXX  to make a payment on a collection account, I also asked XXXX XXXX  for a pay off letter because i need this removed from my Credit report However they failed to do XXXX And I am still struggling to get this account removed from my report which is affecting my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX not my address
Product: Vehicle loan or lease

In XX/XX/2023 I paid off the remaining balance on my car loan one payment through debit card for {$820.00} and another payment through money gram for {$1900.00} the account was paid off in full due to the agreement me and Westlake had. Since XXXX I have been asking for the lien release letter and keep getting told something different every time I call and ask about it. I have asked to speak to a supervisor multiple times and one is never available. Since XXXX I have been calling and requesting the letter and nothing has happened today XX/XX/2023 I have did a lien title check with the DMV and the lien is still on the title.
Product: Money transfer, virtual currency, or money service

on XXXX XXXX my phone was ported to a hacker with out my knowledge. They then hacked my email locking me out then hacked my coinbase account locking me out. 
After I was locked out of coinbase I can only assume they drained my account of close to a XXXX dollars then made a ach withdrawal of XXXX to my coinbase account out of my checking account. 

I have called and emailed and filed clamaints with coinbase. No one can tell me if my account has my money in it still and they never respond to emails. I just want to know if they stole all my money and how to access my account again.
Product: Credit reporting or other personal consumer reports

I have been actively disputing several accounts that were fraudulently opened or accessed in my name without my authorization. Despite providing the necessary documentation and evidence of the fraudulent activity, the process has been challenging. I have reached out to the involved institutions, filed reports as required, and requested that these accounts be investigated and corrected to reflect that they were not created or used by me. However, I am seeking further resolution to ensure my financial records are cleared of any responsibility associated with these fraudulent activities.
Product: Checking or savings account

Citi bank unlocked my account after I filed previous complain # XXXX, however I never receive a new debit card as they promised. For safety concern, I began to use the money in account by check. And I noticed they charged me service fee from XX/XX/XXXX for $ XXXX ( total {$36.00} ).  Since I don't have the debit card, I can't do anything to the account by myself. Then, I called the customer service to help me close account at around XX/XX/XXXX. They agreed to waive the other {$12.00} service fee on my account to close the account at that time. But when I called to confirm today, they told me I have to login in to my online account to verify some information before close the account. And there is a - {$34.00} balance on my account. I wonder how I can log in to my account, if you fail to mail me my debit card.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX and XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Mortgage

I had a mortgage through Chase bank. My home was foreclosed. Now, Chase bank continually harasses me with " mortgage assistance '' help! I have called a nd mailed them several times to stop - they continue. I receive mailings several times a week. This is ridiculous. I do not know what else to do.