23daVinci/CFPB_Complaints huggingface dataset:
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 reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Open : XX/XX/16 Balance : {$0.00}. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all three bureaus a certified letter asking them for verification for the items placed on my report. To this date I have not received verification of debt. Here are the items : 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.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXXXXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I paid off a collection account and the collection agency will not remove it from my credit report. I've paid others and they removed those collection accounts. The last one was removed a couple weeks ago. This collection account is still on my report after I paid it a year ago.
Product: Credit card or prepaid card

Capital one venture XXXX approve me for a card where if I spend {$10000.00} you get 100,000 points. I used it once, tried to use it a third time and couldnt. Without notice the card was frozen. No email nor text or call was made to informs me. I called them and it was stated that they need to see three months of my bank statements. Then they immEdiately added a {$390.00} annual fee to a card I had to access to. I immediately sent the statement and they did not check it for weeks. I called several times checking the status and seeing if they can extend my 6 months since I couldnt use the card. Finally after the month they called and said I could use it. Once I asked about extending the time. They said it would take 10-14 days to see if that can be approved. By then the first payment is due with the annual fee. Its criminal..
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXXXXXX. XXXX
Product: Credit reporting or other personal consumer reports

Items to be removed from my report that aren't mine
Product: Credit card or prepaid card

At some point in 2019, I was offered a balance transfer with a 0 % APR. On my most recent statement, the rate was increased to 22.99 % and I was charged {$150.00} in interest with no warning or notification. For comparison, I have another card moving from 0 % in XXXX and I have received numerous emails reminding me of this.
Product: Debt collection

I called CCS this morning and asked for the specific date I last spoke to someone. 

On XX/XX/XXXX when I spoke to CCS a debt collector I was asked if I wanted text messages and specifically said " No I only wanted physical mail ''. I have received 2 texts since then. First text on XX/XX/year> at XXXX and the second text on XX/XX/year> at XXXX. 

I called today after speaking to an acquaintance that told me if I had said no to text messages that it was a clear violation, and I should be able to report it. But first call as companies would rather negotiate lower to avoid a complaint. Discussions with CCS did not go as I had planned, and I have decided that it was time to file a complaint as they did not seem to care if I did or not. 

My ultimate feeling about this is 2-fold. 1. XXXX caused a lot of financial issues with a claim that could have been avoided. Even though I do owe them for the amount they should have taken accountability to make good on the costs that they caused outside of the normal deductible.
Product: Debt collection

XXXX XXXX -showed I owed them {$60.00} from an account on XX/XX/XXXX.I called the company at XXXX on XX/XX/XXXX and they said no account with my name could be located and if I had an account there then I would have an account number.XXXX XXXX also showed I Owed them {$60.00} from XX/XX/XXXX.I called them at XXXX on XX/XX/XXXX they also confirmed I had no account number with them.
Product: Vehicle loan or lease

In XX/XX/2021, sent a dispute letter to XXXX, XXXX and XXXX to remove Hyundai Finance from credit reports according to 15 USC 1681B - Permissible purposes of consumer reports I did not give XXXX, XXXX and or XXXX written consent to report any information on my consumer reports. 
XXXX deleted this reporting and this was recorded and reported to me via XXXX XXXX on XX/XX/2021. 
This reporting is still taking place today on XXXX and XXXX, which is fraud. Hyundai Motor Finance has committed fraud and admitted by deleting information from XXXX. 

On XX/XX/2021 I sent correspondence via certified mail to Hyundai Motor Finance information them that I am the ORIGINAL CREDITOR and I do not owe any debt to them. 
I included the following : -Cease and Desist -Affidavit of Truth -Debt Validation Letter The certified mail receipt was signed by their agent named XXXX XXXX on XX/XX/2021. 

Letter dated XX/XX/XXXX, received notice from Hyundai Motor Finance ( photo attached ) regarding information of the account # XXXX which details active account, dealership, VIN #, etc. 

Letter dated XX/XX/XXXX, received notice from Hyundai Motor Finance with copy of Retail Installment Sale Contract with Finance charge information. The Finance charge was supposed to include insurance according to 15 USC 1605. Finance charge is the sum of all charges payable directly to the original creditor to whom sale was extended. 

Letter dated XX/XX/XXXX, received notice of cease of communication of verbal communication but they will continue to send mail. Outstanding balance in full and repossession of the vehicle is also noted in letter. 

Many violations according to 15 USC 1692 has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several unauthorized inquiries ( attachments included ) on my credit report. I have sent several letters to the credit bureaus regarding these inquiries. Equifax is the only bureau that has refused to remove these fraudulent inquiries from my credit report. I called them after waiting over 45 days after my written disputes & requests & was advised by a very rude representative that there was nothing he could do & that he did not care if I filed a CFPB complaint.
Product: Consumer Loan

Wells Fargo has repeatedly called and ask for debt assistance. This disclaimer can also be layed down to FDIC for further comment.
Product: Debt collection

ATTENTION TO THE XXXX XXXX XXXX FORMER ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$630.00} does not belong to me. This account was fraudulently opened through this company THE XXXX XXXX XXXX FORMER XXXX XXXX XXXX XXXX XXXX in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire XXXX SOME FORM OF LOAN XXXX In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and XXXX called me to inform me that they see that I qualify for a lower car note payment. The question was asked if I would like to do so, I said Yes. No one mentioned having to run a hard inquiry on my credit during the process. I did not even go through with the process because I leave in XXXX and the dealership is in XXXX. There were two inquires placed on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been notified of a potential violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 USC 1681, due to a data breach that resulted in the unauthorized disclosure of my personal information. I am requesting your immediate attention and assistance in addressing this matter. 

On XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, I became aware that my personal information, including information, such as Social Security number, credit card information, or other sensitive data, was exposed during a data breach involving XXXX, Transunion and XXXX Credit Bureau. I believe this breach has compromised my right to privacy as protected by the FCRA, which mandates that consumer information be handled securely and only for permissible purposes. 

Since discovering this breach, I have experienced significant distress and inconvenience, and I am concerned about the potential for further misuse of my information. 
Under the FCRA, I understand that I have the right to : 1. Be notified of any unauthorized access or disclosure of my personal information.

2. Dispute inaccurate or incomplete information contained in my credit reports.

3. Take action against entities that fail to uphold their legal responsibilities under the Act.

I respectfully request the following actions : 1. Investigate the circumstances surrounding the data breach and the exposure of my personal information. 
XXXX. Provide me with detailed information about how my data was compromised and the measures being taken to prevent future breaches.

3. Assist me in addressing any inaccuracies in my credit report that may have resulted from the unauthorized use of my information.

4. Hold accountable any entities responsible for negligence or failure to comply with the provisions of the FCRA.

I have enclosed copies of relevant documents, such as notifications of the breach, credit reports, or correspondence with the company involved to support my claim. Please let me know if additional documentation is required.
Product: Payday loan, title loan, personal loan, or advance loan

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Mariner Finance illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 

Pursuant 15 USC 6802 they are required by law to give me 3 disclosures. I checked all documents given to me from Mariner Finance and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all above disclosures required by Federal. 

I demand that this account XXXX ( along with all transactions and experiences ) be deleted from my consumer report as a result of Mariner Finances illegal activity.
Product: Debt collection

XX/XX/year> my employer sent me a mail concerning wage garnishment of $ XXXX since then every two weeks when I get my pay check it is short of {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a charged off account on my reports that I have been disputing with each consumer reporting agency for a while now. 
This account is reporting multiple inaccurate and inconsistent information between each bureau such as different account numbers, open dates, last active dates and last payment dates. If all credit bureaus receive their information from the same place, how is it that each bureau is reporting something completely different than the next? 
The consumer reporting agencies are legally upheld to report 100 % accurate information on a consumers reports. They are supposed to conduct a thorough investigation into all disputes received and they have failed me. 
I am demanding that this account is deleted from my reports now as they are in violation of reporting this account per the FCRA. And please don't respond back with no generic response, a REAL INVESTIGATION SHOULD HAVE BEEN CONDUCTED NOT NO EOSCAR.
Product: Mortgage

Was told online through myloans that i was on a forbearance until XX/XX/XXXX. I did not make a payemnt due to being in forbarence which was told by flagstar I was not in forbarence but online said I was. Stated on myloans " on active forbarence until XXXX I have been trying to resovle this for a year now and they have me as active foreclosure. They did not tell me that I had a morgage modification in XXXX or XX/XX/XXXXXXXX  so now the loss mitigation team will not work with me they give me no option but to pay over {$40000.00}. I would not be deliquient or in this mess if did not believe to be in a forbarence that i was lied to about. Due to this I owe alot due to the backowed amount due to believing I was in forbarence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN MY ( IDENTITY AFFDAVIT ) LIKE THEY ASK ME TO TO IN XX/XX/2019 I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX XXXX XXXX XXXX XXXX complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations your agency perpetrated under the FCRA, while notifying your agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.
Product: Mortgage

I refinanced my mortgage through a different mortgage company and closed in XX/XX/2020. I requested a payoff from Freedom Mortgage as part of the refinance process on Friday XXXX XXXX and it included 'Unpaid Late Charges ' of {$140.00} even though I have never been late on my mortgage. I called Freedom to get the payoff corrected however they told me that they automatically charge a late fee for the month of XXXX since the projected payoff date was XX/XX/XXXX, beyond XX/XX/XXXX. I told them that my refinance will fund on XX/XX/XXXX so they would receive the payoff wire by XX/XX/XXXX therefore the projected payoff date needed to be corrected to XX/XX/XXXX and the late fee removed on their payoff statement. They refused to change the payoff date or remove the late fee as the representative said they can not change the payoff date as it is system generated however once my loan funds on XX/XX/XXXX, they will refund the late fee of {$140.00} since I would not be late for XXXX. I was never refunded this erroneous late fee charge. I tried contacting Freedom again via their portal email chat but they refuse to respond to me. This might be something that the CFPB needs to look into since Freedom Mortgage is collecting erroneous late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX 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 an account without my written instructions.
Product: Checking or savings account

We deposited XXXX checks on XX/XX/XXXX for a total deposit of {$9800.00}. XXXX days later the deposit was still not posted to our bank account. XX/XX/XXXX we went to bank and were informed that the deposit is there and should be in our account. They did not know why it was not. Error caused by bank- XXXX of the numbers missing when recording our bank account XXXX and that this would be corrected by XX/XX/XXXX. On XX/XX/XXXX we took a copy of the front and back of XXXX of our clients cancelled checks to show Citibank had cashed the check and to show where Citi Bank actually deposited our XXXX, the bank XXXX said that an Investigation Report should have been filed and should be corrected within a week and we should be patient. Since then we have contacted bank every week and each time we have been told it should be posted by the following week and to be patient. Our last communication was on XX/XX/XXXX. As of today XX/XX/XXXX, still not in our account. 
At this point we feel that our funds have been stolen or bank is involved in some kind of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted investigation requests to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.