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

ID THEFT REPORT ATTACHED AND MAILED OUT AS OF XX/XX/2022... ALL DATES/LOSTED ACCOUNTS ..... 
XXXX XXXX XXXX  ( any and all ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXDetails attached...
Product: Credit reporting or other personal consumer reports

15 USC 1692g : Validation of debts In reviewing my credit report, I have identified the following items that are inaccurate XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX
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 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

I lost my wallet and my information was also released in multiple breaches. I also was a victim of the XXXX  Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So XXXX  is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against XXXX. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with XXXX  and Experian. With Experian acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.
Product: Debt collection

I have debt on a Synchrony Bank credit account. It has gone to collections, and I have been paying the debt to XXXX XXXX XXXX, XXXX since XX/XX/2020. Another collection agency, XXXX XXXX XXXX has contacted me sporadically over the past year to try to collect the same debt. I have tried to contact them but they never answer or return messages or emails. Now, XXXX XXXX XXXX has hired an attorney ( XXXX XXXX XXXX XXXX XXXX ) to sue me over this debt. The law firm has not returned my call either. I have record of trying to contact them both. XXXX XXXX XXXX also didnt start to send me letters until after I started the pay plan with XXXX XXXX XXXX, XXXX. Attached files show the collector I am paying, and the LAST contact from XXXX XXXX XXXX and the date of that, as well as their attorneys letter and the date
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows up on credit report. This account is not mine. Here is the information listed : XXXX XXXX XXXX XXXX XXXX Account # XXXX, opened XX/XX/2015
Product: Vehicle loan or lease

Received an excessive amounts of phone calls, voicemails, text messages and a photo telling me the vehicle has been tracked, and once they retrieve the vehicle they will make sure Im never able to get it back. But the car has been picked up by a tow truck back in XXXX XXXX and Ive still received calls and messages when the vehicle has no longer been in my possession.
Product: Checking or savings account

I am a depositor with Ally.com internet banking since 2010. For the past 3 weeks, I have been unable to login to account.. attempts to secure access via customer support services have not fixed the problem : Attempts to access account renders an error message : access unavailable. Discussions with their tech support assured me access.. I was able to login only once after real time intervention on their part. Their narrative is " bogus '' as it tries to assert it's my desktop PC... I only use a desktop PC... but I can access other commercial site routinely.. why not theirs? Been able to for past XXXX years ... all of a sudden Ally system blocks log ins to account but allows me to login to their site which allows me to send secure emails seeking support. My conclusion is that their existing system software upgrades have altered access.. attempts to access my account data, transfer funds etc are blocked. Ally is failing their fiduciary obligation to allow depositors access to funds. Their summary denials of their system failures is quite frustrating ... violates our economic system that is based upon " consumer sovereignty. ''
Product: Debt collection

On/about XX/XX/2021, my cell phone and my business phone both rang with the same phone number. It was a robotic call. It didn't state the company name or what the call was in regards to. After work, I called the number and asked for the company name. I was told she couldn't give me any info unless I verified my identity with them. Once I verified my identity, she reluctantly gave me the company name. I told her to cease all communications to my work number or cell number and told her I only wanted to have communications via mail. I requested a full financial history of the debt to be mailed to my address. Within minutes after the call, the rep emailed me. On XX/XX/2021 I went onto the website and submitted a " contact us '' asking to cease all communications via email and phone calls and to only communication via USPS mail. I also requested a full financial transaction history of the debt to be mailed to my residence. Since this request was submitted, I've received at least one phone call per day on both my personal cell and my business phone. My boss has told me I'll be fired if the calls continue. I have not yet received the requested documentation in the mail, or any other way otherwise.
Product: Mortgage

1. An escrow account analysis was done on XX/XX/XXXX and XX/XX/XXXX, when it should have been performed annually. The monthly payment increased is incorrect as of today. Exhibits A and B. 
2. Homeowners Insurance Company, XXXX, was cancelled and there was a surplus of {$720.00} mailed to me by check on XX/XX/XXXX. The amount was paid to Select Portfolio Servicing, Inc. on XX/XX/XXXX over the telephone and the {$720.00} was not applied to escrow. As of XX/XX/XXXX, have been trying to get it corrected to have the full amount applied to escrow with a corrected escrow amount, but to no avail. Exhibit C. 
3. The escrow amount is incorrect as of today and on all the monthly statements. Exhibit D 4. The monthly statements are all incorrect for balance owed. All monthly payments have been paid as of XX/XX/XXXX to XX/XX/XXXX. Exhibit D 5. The monthly statements that show a past due amount are incorrect. Statements online has incorrect information and Select has not corrected per previous requests. Exhibit D
Product: Credit reporting or other personal consumer reports

The credit cards below have a XXXX balance yet my credit reports are showing a balance. The accounts below are wrong. 

XXXX XXXX  XXXX XXXX XXXX {$3000.00} out of {$3700.00} 80 % XXXX XXXX XXXXXXXX {$1300.00} out of {$1900.00} 71 % XXXX XXXX {$200.00} out of {$300.00} 69 % XXXX XXXX XXXX {$470.00} out of {$800.00} 59 % XXXX XXXX {$4800.00} out of {$8300.00} 59 % XXXX XXXX XXXX {$2600.00} out of {$5000.00} 52 % XXXX {$1100.00} out of {$2800.00} 39 % XXXX  XXXX  {$280.00} out of {$900.00} 32 % XXXX XXXX TAB BAN {$430.00} out of {$1400.00} 31 % XXXX {$310.00} out of {$1200.00} 27 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX XXXX  # XXXX is not reporting accurately. The account shows 1 late payment and in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments, the account was not Late on XXXX  or XXXX XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately .Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma has sent me offers for car loans and loans saying that I had a great approval odds, so I can receive the loan. My credit goes up and down up and down and I never get these loans, false advertisement, fraud they say it want hurt to try but it always do effect my score.
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, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of Child support-XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 Section2 : It also states consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a FTC report to all of the three credit bureaus regarding fraudulent items on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 56 days so they should be deleted promptly. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : XXXX, TransUnion and XXXX multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my XXXX, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). The violations include : XXXX. FDCPA Violation XXXX : Failure to provide written notice of the debt within XXXX days of initial communication. 
XXXX. FDCPA Violation XXXX : Failure to provide verification of the debt upon request. 
XXXX. FDCPA Violation XXXX : Failure to provide validation of the debt, including copies of relevant documents. 
XXXX. FDCPA Violation XXXX : Unauthorized disclosure of private information to a third party. 
XXXX. TILA Violation : Failure to provide accurate and complete disclosure of loan terms and conditions. 

XXXXXXXX XXXX has failed to adhere to the FDCPA and TILA guidelines by not providing me with the necessary information and documentation regarding a debt they claim I owe. Despite my requests for verification and validation of the debt, XXXXXXXX XXXX has not provided me with copies of relevant documents or accurate disclosure of loan terms and conditions. 

These violations have caused me significant distress and harm, and I believe XXXXXXXX XXXX XXXX actions are in direct violation of consumer protection laws designed to safeguard consumers like myself. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXXXXXX XXXX for their violations of the FDCPA and TILA guidelines. I also request that XXXXXXXX XXXX be held accountable for their actions and that I receive compensation for the damages incurred as a result of their non-compliance. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently applied for a HELOC from XXXX XXXX XXXX and was denied due to a error on my credit report, stating that XXXX marking a 120 late in XXXX. 

From XXXX I was in a chapter XXXX Bankruptcy and the XXXX account was one of several accounts involved. 

I informed XXXX of this error and have not received any reply.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

Capital Group LLC and their case managers keep contacting me asking for someone else. I have already expressed to them that they have incorrect information. I have received multiple calls from them as well as text messages.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in recent administrative proceedings by the CFPB. 

I request a proper and thorough investigation of the inaccuracies I have reported, along with evidence of such investigation. Please let me know the steps you will take to ensure compliance with the applicable laws. 

This is the account I have marked as inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

Affirm account XXXX Its reporting late I was never late and its also not reporting my correct balance. 
It says I have not made any payments and I have paid every month 2-3 time in one month.
Product: Mortgage

In XXXX I got behind on my payments and I reached out to " Keep your Home '' program, a California program that assists people like me to avoid foreclosure. I qualified for {$25000.00} assistance. The issue was that the bank ( Wells Fargo ) had to accept the amount on my behalf and if so it would have been paid directly from the state to the bank. I completed and sent every document sent to me by the bank related to modifying my existing loan. The problem started to get worse when the bank representatives were often replaced and I had to deal with a new person constantly and I had to resend everything again and again. One of the last representatives I dealt with asked me to fax my loan modification documents from one of the bank branches. And I did. I used their branch located in XXXX XXXX in XXXX XXXX, Ca. Even though I had proof all documents were faxed, the bank still claimed fax was not received. While all of this was happening I was receiving collection calls from the bank. I was told my past due amount had increased a lot because some lawyers fees had been added to my past due amount. I asked them what was that all about and they said it was for legal fees for handling my case. I was extremely desperate. Then when a collection agent called again he mentioned if I wanted to accept something called short-sale. He explained it was better to do that than a foreclosure. I begged not to do that and asked to please accept the {$25000.00} from the state so I could keep my house but they said the bank policy did not allow them to accept it. I was about to have a XXXX XXXX and in desperation, I accepted the short-sale offer and I finally lost my house in mid XX/XX/XXXX. 
About a week ago on Friday XX/XX/XXXX I heard on the news about how a Wells Fargo computer error was the reason hundreds of people lost their home. The news even mention how the error added legal fees that eventually were part of the reason for loan modification denials. I already contacted the bank in person and I could not believe how the two employees I spoke with claimed they did not know anything about the news. I asked to speak to the bank manager and he was there but was not available to speak with me. I waited 45 minutes.