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

1 ) In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

2 ) In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

3 ) In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX # XXXXhas violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

4 ) In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

5 ) In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
6 ) In accordance with the fair credit reporting act XXXX XXXX  XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

Naviant contacted me after taking over service of my student loans ; they claimed to have sent me information that i never received, by the time they called the first time I was in default. After resolving the default I attempted to setup payments ; I was forced into a repayment plan paying less than I wanted, I then asked if I could setup auto pay at which point I was told I could only that up through their website. I was also told I could set the payments up for more if I wanted ; the webpage was difficult to navigate and gave me no options to pay more. There was no confirmation that my information was accepted and no indication it was not. 6 months later they called my Uncle who was never a contact on my account attempting to contact me ; my contact information had not changed and I confirmed they had the right information. They informed they had never received a payment and showed that they had no payment information. I am again in default and have no desire to deal with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint here with the CFPB on XX/XX/2022 against Transunion, XXXX and XXXX. I received a completed investigation update here on the CFPB site from XXXX on XX/XX/2022 which is within the 30 day. As of today XX/XX/2022 which is the XXXX day since my complaint. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting

I first applied for my free reports in XXXX XXXX through the govt website and was denied by the credit bureau. Trans Union stated that my information was inadequate and illegible. I thought your website was better than that and I 've filled out many on line forms for govt use and have never heard this excuse before. I have heard from attorney seminars that this is a common practice designed to obtain information to build their files so they can unfairly profit from others. They requested that I send them certain information so they can find my file ( my file has been on file since the early XXXX 's ) so I did and they have now replied that it is unacceptable. I have resent the same information again, 3rd time but I do n't expect my reports. Trans Union knows that I am permanently XXXX and unable to work. I rent a small room in a house and utilities are provided for me, I can not drive, I can not work and the bureau knows these things therefore requesting that I provide documents that I am unable to obtain. Furthermore, they are reporting incorrect and derogatory information about me that is preventing me from obtaining much needed specialized living accomodations. Can you help me get a report from them so I can see what erroneous information they have and are profiting from while damaging my good name. If I ca n't get adequate living accomodations I will be homeless. The place I 'm at now has mold and is being torn down soon. Thank you.
Product: Mortgage

Wells fargo refused to negociate with us on a loan modification. As we were being assisted by another Government agency. They refused to XXXX us a new modification and put us in danger of forclosure for over 1 year before allowing the modification to go through.
Product: Bank account or service

I owned a home in XXXX XXXX, Nevada which I subsequently lost in foreclosure. The home had XXXX mortgages, XXXX with XXXX XXXX XXXX and a XXXX with Citizens Bank for approximately {$36000.00}. My complaint focuses on Citizens Bank only. I was frequently called because my monthly Citizens payment was n't made or was tardy. I later stopped paying it because I was going through foreclosure. The bank called on one occasion and I told them I was going through foreclosure. I held a Certificate of Deposit of approximately {$13000.00} at Citizens Bank as well as a personal savings account of approximately {$1300.00}. A few days after mentioning to a Citizens Bank caller that I was going through foreclosure, I went to the bank to transact some banking business and discovered that the bank had debited my my entire savings as well as my Certificate of Deposit ; a sum totaling nearly {$15000.00}. I do n't know if the bank had a legal right to TAKE my money as they did. That 's why I 'm filing a complaint. This happened around XX/XX/XXXX/XX/XX/XXXX of 2010. I 'm contacting your agency because I read in the paper a few month ago where your agency forced or fined Citizen Bank several XXXX of dollars because of something they illegally did. This caused me to wonder if what they did to me was also illegal. If it is subsequently discovered that Citizens had a legal right to debit my accounts without my knowledge, I will then accept that and no longer pursue a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would just like everything removed from where is says " Personal Statement '' on my Experian credit report.
Product: Mortgage

I took out a second mortgage with Bank of the West in XXXX. I just recently refinanced my first mortgage and consolidated the second mortgage as well. when I call to get a balance, it did not seem correct. I requested a print out of payments of my account. When received, I noticed that there were XXXX payments never applied in XXXX as well as other payments not applied correctly. Through 4 weeks of phone calls, messages not returned, I was told by them that they were looking into it, then it was sent to the wrong department, then someone else was assisting. I let them know I was refinancing and needed this resolved as it was going to be paid off shortly and still no one contacted me back. Now the loan is paid off and I am still fighting with them to audit my account as I believe they overcharged me and owe me money in return as there were payments made that were never credited to my loan. I was told by the final person that was supposed to help me that it looked as if I was ahead and to not bother having an audit as I may end up owing more than they are showing and to be happy with the balance due although they could not put it on paper to show me a proper print out of the payments.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL XXXX of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all XXXX disclosures were satisfied but they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter in the mail from Comenity Capital Bank saying that my " XXXX XXXX Visa Credit card card has not been approved '' but the issue I have with this is I never applied for this card in the first place and I don't trust this bank enough to even give them my information because I have friends who have had very bad experiences with them in the past and call them an out right scam bank and they have very, they commit fraud very often claiming not to receive payments even when they get them so I need help resolving this issue. I DO NOT TRUST THIS BANK 1 BIT!
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XX/XX/2023 I recently reviewed my credit report and noticed several unauthorized hard inquiries. They are negatively impacting my creditworthiness. Please remove these inquiries from my report promptly.
Product: Debt collection

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items LVNV XXXX {$780.00} XXXX {$780.00} The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. 

Thank you for your cooperation, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Activity on Credit File To Whom It May Concern, I am writing to report fraudulent activity on my credit file, which has been ongoing since 2019. Despite numerous disputes and reports to the police department, the unauthorized transactions and personal information remain on my record. The fraudulent activity includes [ list specific
transactions or accounts ]. I have consistently disputed these entries, providing documentation and verification of my identity. However, the credit reporting agencies have failed to remove the inaccurate information. 
Furthermore, I believe my personal information has been compromised and sold, as I continue to receive unsolicited offers and notices related to these fraudulent accounts. 
I request immediate attention to rectify this situation, remove the fraudulent activity, and take measures to protect my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 25. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 26. XXXX XXXX XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 27. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 28. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 29. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 30. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 31. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 32. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 33. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 34. XXXX XXXX CO on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper Investigation with the following accounts : 1. Account Name : XXXX XXXX - XXXX Amount : {$2700.00} Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX Bank Amount : {$570.00} Opened : XX/XX/XXXX 3. XXXX XXXX XXXX Original creditor : 11 XXXX XXXX Account type : Collection Collection Opened : XX/XX/XXXX Reason for dispute : Violation of my rights according to 15 U.S.C 1681 section 602 A, States I have the right to privacy and 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. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this at all. 

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if XXXX, Equifax and XXXX is all showing different account information? Also, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

They also violated the law because according to : 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 I DID NOT GIVE ANYBODY WRITTEN INSTRUCTIONS 15. U.S.C 1681 ( A ) PROCEDURE IN CASE OF DISPTED ACCURACY it states : before the expiration of the 5 business day period the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person, this never happened, I wasnt never informed and I can prove this in court. 

15. U.S.C 1681 section 5 A TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

On XX/XX/2023, my Chase checking account was closed without prior notification. An amount of {$5100.00} was withdrawn from my account, which caused financial hardship as I relied solely on Chase for my deposits and had to borrow money to cover essential expenses. I contacted customer service twice, receiving conflicting information about the withdrawn funds and the reason for the closure. No timeline was provided for the investigation. Any investigation has a deadline, and what's the difference between an investigation without a deadline and a robbery, and what credibility does J.P. Morgan have?
Product: Credit reporting or other personal consumer reports

I cant view my credit profile on any platforms and I need to view them to look at my report. Im a victim of id theft and need to view its its been 4 months and I need to see my Transunion and XXXX report!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states that consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can XXXX  occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the XXXX of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, requesting the credit bureaus to remove accounts and Inquiries I found on my Credit File that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), as the Credit reporting Agencies, you are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please take a look at the following items you are reporting on my Credit File and have them removed as soon as possible : XXXXXXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance XXXX {$380.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$440.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you believe that the disputed items belong to me, I will be requiring you to please send me copies of proof of verification or proof of ownership to support such claims. In the absence of such documents, I will greatly appreciate you removing the disputed items off of my Credit File as soon as possible.
Product: Credit card or prepaid card

I have put my normal spend on my credit card. Credit card company decided to not pay rewards since they are labeling it Account Abuse / Misuse and Fraud. This is not the case. I believe they are doing this to just not pay rewards.
Product: Vehicle loan or lease

I owe a {$140.00} balance, Ally Financial called 24 times in a row.
Product: Mortgage

I was sent approval for a loan. Without any notice or any reasoning, the lender refused to return phone calls or e-mails after charging over {$600.00} for an appraisal fee and taking over six-months.