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 U.S.C 1681 XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXXXXXX XXXX XXXX XXXX  - account # XXXX XXXX XXXX  XXXX - account # XXXX XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 604 section 2. it also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is against XXXX XXXX. My payments are current and have been current for some time was late in XX/XX/2018. Caught payments up and paid over 1000.00 a month for almost a year. Company shows payments of XXXX never reflect payments of XXXX  and stated I owed late fees. But payments where current. 

There stating since I owe late fees which I dispute they can report me late every month. Although they get there payment every month. 

This company is a scam and have been sued by the State of California and other class action suits.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX ACOUNT # 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 Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 card

To Whom It May Concern, I would like to start by thanking you for taking your time out to read this. I am writing about deleting inaccurate information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft possibly through a data breech and did not make the charge. I ask that the items be deleted to correct my credit report at the earliest convenience.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charged three monthly unauthorized charges of {$9.00} from XX/XX/2022 through XX/XX/2022 to my XXXX XXXX account even though I only authorized payment either through my Bank XXXX XXXX checking account ( primary ) or my XXXX XXXX XXXX ( secondary ) for online purchases through XXXX ( which was ultimately for an XXXX membership ). This is reflected in XXXX 's own settings, which only note my XXXX  XXXX XXXX checking account and XXXX XXXX account as the authorized forms of payment for XXXX charges. This is further reflected in each of the transaction details for the XXXX, XXXX, and XX/XX/2022 charges, which show the funding details as my XXXX  XXXX XXXX checking account or XXXX XXXX account as backup options. Each says " Paid by Bank Account, '' not XXXX XXXX. So either XXXX incorrectly charged my XXXX XXXX Account despite stating in their own records that they charged my Bank Account, or they charged me twice through my Bank XXXX XXXX Account ( or XXXX XXXX ) and XXXX XXXX. To be clear, I never authorized XXXX payments to be through my XXXX XXXX Account. This is why I was not aware of the three charges pending on the account, and they went past due. Because they were never authorized. I contacted XXXX about this by submitting online disputes and calling them multiple times. Some customer service representatives even acknowledged the mistake, but they insisted I should just wait the 7 years for them to drop from my credit report. I then submitted two credit report disputes that included the payment settings showing I never authorized charged to XXXX XXXX to each of the three credit bureaus, and my disputes were rejected both times. Now, I submit this dispute to you given that XXXX and the three credit reporting agencies never appropriately addressed these fraudulent charges to my XXXX XXXX Account. There never should have been a balance on the account for it to go past due, unpaid, and then closed by XXXX XXXX without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THESE DEROGATORY ACCOUNTS AND INQUIRIES HAS TAKEN A TOLL ON MY CREDIT FOR THE WORSE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. THEY DO NOT BELONG TO ME AND WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Checking or savings account

I opened a XXXX mos CD for {$650000.00} with Ally Bank XX/XX/XXXX expiring XX/XX/XXXX with an interest rate of XXXX % apy and a rate of XXXX % and a loyalty rate of XXXX %. I closed the account XX/XX/XXXX and only received an amount of {$670000.00} ( XXXX interest ) I called Ally to complain that the interest was not correct. I was given a case number and was told they would let me know. They contacted me a week later and said the amount they gave me is correct to which I disagreed. I asked for my case to be escalated and asked why I never received a renewal document. I now wanted them to send it. I received another case number and was told my case would be escalated again. I would be contacted on 7-10 business days. That was XX/XX/XXXX and called 2x more and they still have no answer. Interest is compounded daily. On my detail page, it displays {$87.00} daily rate. 
Is this happening only to me or millions of consumers?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. Please delete 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
Product: Credit card or prepaid card

To Whom It May Concern, On XX/XX/2019 Citi identified a fraudulent charge on my Government  travel card for {$35.00} from XXXX. I subsequently filed a billing dispute but the issue went unresolved. In XXXX, I was contacted by Citi saying that my card was in collections for the same charge. I spoke to the fraud department and was told since the charge was outside of a 60 window there was little Citi could do. I paid the {$35.00} since I want to keep my credit in good standing. I find the actions of Citi to be deplorable making the customer pay for fraudulent charges. In addition, as an XXXX XXXX   XX/XX/XXXX  service member, my PII was compromised during a data breach at the XXXX XXXX XXXX XXXX ( XXXX ) from the XXXX to XX/XX/2019 timeframe. This just so happens to be before the fraud charge. The fact that a billion dollar industry was harassing and is charging a Veteran {$35.00} for a fraudulent charge is beyond disgusting!
Product: Bank account or service

I was denied access to my funds at the Chase branch located at XXXX XXXX XXXX XXXX, NY XXXX. I was a victim of profiling and discrimination at this location and forced to use another Chase branch to conduct my transaction. This event has caused me a lot of pain and suffering and will be considering legal action.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address and SSN Card.
Product: Debt collection

Received a letter stating that I owed XXXX XXXX money however it had limited information with no payment history or transaction history regarding the amount owed. There is no opening or closing date regarding the account either.
Product: Debt collection

Subject : Formal Complaint Unfair Debt Collection Practices by XXXX XXXX & Professional Account Management Dear FTC XXXX XXXX XXXX / CFPB, I am filing a complaint against Professional Account Management , LLC and XXXX XXXX XXXX for unfair and deceptive debt collection practices related to an unjust parking citation issued in XXXX, Georgia. Despite paying for parking, I was wrongfully cited, denied the right to appeal, and now face debt collection efforts for a fine I do not owe. 

This situation constitutes a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and warrants investigation into XXXX XXXX and Professional Account Managements unlawful practices. 

I request the FTC/CFPB to investigate and take enforcement action against these entities for their unfair treatment of consumers. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct  # XXXX has violated my rights.

1

5 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy. 15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. 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 XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit reporting

my credit report is so absurdly wrong and the credit co 's do n't care Ive tried to straighten them out I get inquiries from my corporation onto my personal credit report and they wont remove them I 'm XXXX and work for a co on my free time trying to raise money for my grandchildrens education and they think I own these corporations when it is in trust for my children. everytime I try to borrow money for the corporation they want to use my name I cant do that. they do n't understand but they put it on, my record anyway I want all this stuff removed please
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

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

Experian double reporting on credit report failing to remove accounts that XXXX reported to them to remove.Acting as a collection company { remove account they are wrong, double reported, over the statue of limitation told to remove
Product: Credit reporting or other personal consumer reports

I applied for an apartment in XXXX, MD at the end of XX/XX/XXXX, by XX/XX/XXXX I had receive that I was denied due to " EVICTION RECORD MATCH '' via a tenant screening report provided by TRANSUNION LLC. This information is completely false as I had only ever been late on rent once back in XXXX but NEVER evicted or taken through eviction proceedings. I contacted TRANSUNION for information on where this came from and how to dispute it. I was told there was nothing I can do and that they could report this simply because there had ever been record of a landlord filing a court document against me, which is protocol if you are even a two days late, despite the outcome of said case not being eviction. 
As a result I have been unable to get approved for rental housing since and have resided in motels with XXXX small children and husband who is a XXXX XXXX XXXX veteran rated XXXX and XXXX  XXXX XXXX through the XXXX Our housing options were already slim and due to their negligence has been made near impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to get a loan for a car on XX/XX/XXXX and the car dealership told me that I owe XXXX $ to a furniture company in XXXX They also told me that there are multiple accounts open in other states, also " XXXX XXXX XXXX XXXX '' a debt collection agency in XXXX XXXX, XXXX XXXX keeps calling me and family members in trying to collect money for furniture I didn't buy in XXXX. I fear my identity is being taken and this is effecting my credit score and I can't buy anything at the moment.
Product: Mortgage

In XXXX, I received a letter from XXXX XXXX offering a lower homeowner 's insurance rate. 

I contacted XXXX XXXX ( my supposed current provider ) and discovered my policy had been cancelled in XX/XX/ 2023 due to non-payment. 

I recalled informing both Mr. Cooper and XXXX XXXX that Mr. Cooper was responsible for issuing the payment directly to XXXX XXXX  in XXXX and XXXX. 

This payment never occurred, resulting in a lapse in my homeowner 's insurance for the year 2023, the final cancelation due to no payment was sent to me in XX/XX/2023, when I had already informed XXXX XXXX that they should be sending their request to Mr. Cooper. 

I attempted to reinstate the policy with XXXX XXXX, but they declined. 

Mr. Cooper 's inaction exposed me to significant financial risk and caused distress. I have recently started recovering from XXXX and XXXX and here I am again going right back into XXXX due to extreme XXXX knowing that I must have homeowners insurance. 

Actions Taken : Contacted Mr. Cooper and XXXX XXXX representatives, but could not resolve the issue again in XXXX. 
Contacted Mr. Cooper via email, but received no satisfactory response. They reply ignoring the issue and asking for proof of insurance. I chatted with Mr. Cooper and they refuse to help and they area making me responsible when they are the ones who manage the escrow and the homeowners insurance payments.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/year> as listed on my most recently reviewed my credit reports and noticed there are several incorrect items on there check below for account info. 

XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given XXXX XXXX  permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Mortgage

I received a letter from my loan servicer ( Loancare ) saying that I didn't have insurance and needed to update my insurance information with the servicer. This did not make sense because my insurance is supposed to be paid from the escrow account by the servicer. My initial insurance term was for one year XX/XX/XXXX - XX/XX/XXXX. The loan servicer did not even make the payment out of my escrow account for the next year until XX/XX/XXXX, so it was late. Now the servicer is saying that there was a lapse in my insurance coverage from XX/XX/XXXX - XX/XX/XXXX that they are trying to charge me for - I attempted to call the provided number to get clarification on this and it is completely automated with no option to talk with a human being. It does not make any sense that there would have been a lapse in my insurance because I should have been covered for a full year. Additionally, it is the responsibility of the servicer to make payments out of the escrow account which the servicer clearly did not do and now they are trying to charge me additional funds for their mistake and are refusing to provide me an explanation. It is absolutely unacceptable for the loan servicer to charge the home owner for their mistakes and the lack of transparency and inability to reach a human being is ridiculous.