23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. I have informed XXXX that I returned their box. They have ignored me.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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: Payday loan, title loan, or personal loan

I went through XXXX XXXX and clicked on a loan offer from XXXX. A credit inquiry was obtained by XXXX, I received notice of an inquiry from XXXX. The issue is, an application was not opened for me and I did not get a adverse action letter either. I called XXXX for assistance and they advised me I'd have to do another application through them and have another inquiry hit my credit report. They have no record of my application or inquiry and suggested that it was completed by XXXX XXXX. Every inquiry will hurt my score and it's likely that my score would be lower after a second pull, which would result in a higher interest rate. I was told by XXXX I would need to dispute the pull by mail or fax or talk to XXXX XXXX to remedy the issue. I don't understand why XXXX would work with XXXX XXXX to bait people in but then take no responsibility if an error like this occurs. I've worked too hard on building my score to let it tumble due to their or XXXX XXXX 's negligence. Now even going through another company, my rates will not be as competitive as they were before due to this.
Product: Checking or savings account

XXXX XXXX $ is owed to me by Citibank they closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a physical signature, for their inclusion. I recently engaged in communication with your organization regarding this matter, and I am formally requesting the swift blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial distress, as they inaccurately depict my credit history and obligations. Should this issue not be adequately addressed, I am prepared to initiate legal action to safeguard my rights and pursue resolution. The fraudulent entries on my credit record have impeded my capacity to accomplish crucial financial objectives, such as home ownership and fulfilling my family 's needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently challenged the validity of XXXX XXXX XXXX account # XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information as being reported accurate. I noticed as a result of challenging this account with Experian they continue to update the account and not point out whats being updated. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. Please send an updated copy of the credit report to my address listed on the letter. Please also provide the names of the individuals whom are verifying the accounts. 

Kind regards
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, and XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Date opened : XX/XX/XXXX Balance : {$2900.00}. Please delete.
Product: Checking or savings account

Pentagon Federal Credit Union, erroneously and without my permission, transferred $ XXXX from my checking account to XXXX XXXX XXXX XXXX to pay for a credit card that an identity thief obtained from XXXX using my information. XXXX alleges that XXXX authorized the transfer, that XXXX is responsible for taking corrective action, and that XXXX is awaiting PFCU to continue with the correction process. Even though I contacted both PFCU and XXXX immediately upon learning of the erroneous debit/transfer, both XXXX and XXXX have shunted me off on one another, but neither have taken measures that effectively restore the $ XXXX to my checking account. Both PFCU and XXXX have practiced avoidance and neglect in addressing this matter. Both have abused me, and the abuse continues. If this abuse continues beyond XX/XX/2023, I will seek damages under the Federal laws applicable to this matter.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This is good news your compensation fund is ready for you to receive, XXXX XXXX XXXX XXXX Federal Reserve System XXXX XXXX this is the 3rd time federal reserve bank management is sending you this notification letter regarding your fund under JP Morgan Chase bank custody This is good news, the sum of US {>= $1,000,000} was approved in your name on XXXX XX/XX/2023 for compensation as a scam victim, The total amount XXXX {>= $1,000,000} is a compensation fund from XXXX XXXX XXXX XXXX done by XXXX XXXX and to XXXX XXXX and XXXX XXXX and XXXX and XXXX scam victim and note you will be receiving the sum of {>= $1,000,000} in any option you prefer is easy and fast for you to receive the total US XXXX Your urgent reply is needed for more information and it will help us affect the release of your fund without any more delay and remember you have 48 hours to claim this total US {>= $1,000,000}. and fail to claim the fund after 72 hours JP Morgan Chase will move the total amount XXXX {>= $1,000,000} to federal reserve system is the central banking system of the United States of America, Available opens to release the total {>= $1,000,000}, XXXX, Bank to bank wire transfer, XXXX, Opening online banking account on your name, XXXX, register and open bitcoin wallet address on your name XXXX, ATM master card You remember each option has rate charge to pay before the total amount release reply back for more information only if you are interested to receive the fund okay Yours Sincerely, XXXX XXXX, Reply this customer care email ( XXXX ) Welcome to 2023 bless time,
Product: Checking or savings account

To whom it may concern ; I had 4 CDs with ally bank. In XXXX I recived a letter stating that the account would be considered dormant unless I contacted them. On XX/XX/XXXX I called and was told that the account was in good standing. When I got my statement on XX/XX/XXXX it was XXXX balance. They sent my money to the state of nj. XXXX the 2 CDs total about XXXX XXXX dollars. I spoke with XXXX on XX/XX/XXXX and he explained that I have to retrieve the funds myself. On XX/XX/XXXX I spoke with XXXX and he told me that ally was retrieving the funds. They refused to return my phone calls. No return calls to date, 10 days, or emails. Please help. Thanks XXXX XXXX
Product: Credit card

I was charged interest on XX/XX/XXXX for {$29.00} and XX/XX/XXXX for {$35.00} for an outstanding statement balance. Payments were initiated on the AMEX app on the due date to pay the statement balance in full and the payment was coming from an AMEX checking account. I called them and explained the situation and was told that the payment was processed a day after it was initiated and that is why I was charged interest. My issue is why is it taking them a full day to process the payment when they already have the funds in a checking account with them. No other bank does that. I have XXXX and XXXX XXXX XXXXXXXX cards and I have never had this issue with them before.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

i reviewed my credit report and found these fraudulent accounts on my file. could you please remove these accounts because it is affecting my ability to obtain credit. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Account ( s ) : Account # XXXX Original Debt Collector XXXX XXXX XXXX Debt Collector : XXXX XXXX XXXX Amount : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, And Experian has multiple inquiries listed below reporting on my credit report without my acknowledgment. 
After a thrall investigating I found in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. POSTAL SVC FED & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the information that appears on my credit report regarding the charge off of my account with XXXX XXXX - XXXX. The account in question is listed on my credit report as being charged off with a balance of XXXX, which is inaccurate. 

I dispute the charge off of my account for the following reasons : The creditor did not provide me with sufficient notice of the impending charge off, and I was not given an opportunity to make payment arrangements before the account was charged off. 

The amount listed as charged off on my credit report is incorrect. I have proof of payments that I made towards the balance, and the amount charged off should be lower than what is currently reported. 

The creditor did not follow proper procedures for charging off the account. They did not provide the required notices or follow the correct timeline for charging off the account. 

The charge off is the result of an error or misunderstanding. There was a miscommunication between me and the creditor about the status of the account or the amount owed. 

The creditor have violated my rights under federal or state laws, such as the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 

The creditor did not properly apply payments made to the account. Some payments were not credited to the account or were credited incorrectly. 

The creditor did not provide me with a full accounting of the amount owed on the account, including interest and fees. I was charged fees or interest that were not disclosed or that I did not agree to. 

The charge off is the result of a billing dispute or error. I disputed a charge on my account and the creditor charged off the entire account instead of just the disputed amount. 

I request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. Please also provide me with a written confirmation of the correction and an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I was in a forbearance process with my lender and I was making arrangements to do payment options on XX/XX/2023. The lender refused to accept payments saying that they can not release any information to me. They has been no document to support anything they are saying about the account. I have spoken to supervisor of lender and he stated that they will not be able to send anything in writing. I need assistance what I can do to resolve this issue.
Product: Money transfer, virtual currency, or money service

ok I met this person on XXXX   after going through a divorce, after speaking with him a while online he said he wanted to help me because I was going through financial troubles convinced me to give him my Regions account number to deposit XXXX in my account to help me. Well little did I know I was being scammed, Regions sent me a copy of the check which was from XXXX and it wasn't even the person I was speaking to online. Fake online name and all, this has messed me up bad with direct deposit my pay and cashing an insurance check I received from damage in my storage building. Please I have learned my lesson and trust no one with my personal information. I am the victim of a scam.
Product: Debt collection

Good morning, I am a veteran and all my medical expenses are paid by the XXXX. A couple months ago, I noticed on XXXX XXXX there was a bill reported for not paying for XXXX dollars. When I called them I told them the XXXX was responsible for. Bills and they informed me that it was too late and that I had to pay this Bill. I paid it off on XX/XX/2020. But it still showing on my record. I contacted the collection agency and they told me that they already removed it/ reported it and they can not do more than that. 
Who should I contact to get this removed, I have the receipt stating that I paid it off
Product: Mortgage

In XXXX of XXXX, we were hit with a hurricane and my husband lost his job. We contacted Bank of America and asked what could be done. They offered us a forebearance program that would freeze our payments for 6 months without late fees or penalties. They told us at the end of the 6 months we would we have to start making our payments and they would either work out a repayment plan that would increase our payments or we would have a balloon payment due at the end of our mortgage. At the end of the forebearance period we began making our payments on time for the past 6 months while trying to work on a repayment plan with Bank of America. They are making us go through a loan modification. We are in the middle of the modification and just found out that they have filed foreclosure proceedings against us and added court cost and fees. On their website it states forebearance programs result in repayment programs. We dont understand how this could be legal and want to know what our rights are. Our forebearance amount for the 6 months is XXXX. The outstanding amount is now over XXXX with the attorney and filing fees.
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. 

XXXX XXXXXXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, 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.

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, 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.