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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act Bank of America - XXXX, XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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: Money transfer, virtual currency, or money service

Venmo sent me an email stating that there was " unusual '' activity on my account. 
I never use Venmo so the first thing I wanted to do was close the venmo account. 
The representative refused to close the account. 
I was asked to send verification of identity documents including my drivers license. 
I complied with their request and they are still not allowing me to close my venmo account.

I called again, again I was told I can not close my venmo account by one of their random customer service reps.

Here 's the thing. I never even wanted Venmo. I don't want them having access to my information in case of a breach. The only reason I opened a venmo account in the first place was because we needed to pay a videographer for copies of my son 's play that was performed at XXXX XXXX XXXX XXXX. 

I want to close my account. I should not be told " no we can not close your account. '' A bank would never do such a thing. Neither should Venmo. I want these losers out of my life. Please contact them and have them close my account. I can call them again but things will get heated and escalate quickly. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Previously, Ive submitted a complaint with Experian, Equifax, Transunion. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report. Your company has Sued Experian for reporting errors against consumers ( me ). Below attached is a previous submitted form with CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX
Product: Debt collection

I received a letter on XX/XX/XXXX informing me that I had an unresolved balance, there was no amount provided, but I should make a payment. I have never heard of this company, let alone done any business with them, or any lender of this nature. A phone call to the number provided, yielded no further information without providing the last 4 digits of my SS number. I declined and asked for them to provide the balance information in writing. They declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! My Experian credit score is XXXX, there is an account names XXXX XXXX XXXX, it states that there is an auto loan with a reported balance of XXXX, last reported XX/XX/XXXX, that it was taken out on XXXX, XXXX, XXXX, five years ago and one month. I do not know how this is on my credit report, I di have never taken out a loan, and to be quite frank, I do not know how to take one out, as I have yet to return to work after leaving for XXXX XXXX I called Experian and disputed this account multiple times, I have also been included the class action suite against Experian from XXXX Data Breach, so that can be where it may have came from, but again I did not, and have not, taken out probably a XXXX loan out, the account also says its highest balance was XXXX, so I can assume it was a loan for a XXXX used vehicle. All of the information that I have is what I see on XXXX XXXX. Experian will not remove it, per the supervisor.
Product: Credit reporting or other personal consumer reports

Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : XXXX XXXX Based on the provided credit report information, here are the discrepancies and inconsistencies found between each credit bureau : Account Holder : XXXX : XXXX XXXX : XXXX Equifax : XXXX Inconsistency : The account holder information is partially redacted, making it difficult to confirm if it is the same across all bureaus. 
High Balance : XXXX : {$770.00} XXXX : {$710.00} Equifax : {$770.00} Inconsistency : The reported high balance differs between XXXX and XXXX. 
Monthly Payment : XXXX : {$99.00} XXXX : {$97.00} Equifax : {$99.00} Inconsistency : The reported monthly payment differs between XXXX and XXXX. 
Last Reported : XXXX : XX/XX/2023 XXXX : XX/XX/2023 Equifax : XX/XX/2023 Inconsistency : The last reported date differs between XXXX and XXXX. 
Past Due - XXXX  Days : XXXX : XXXX XXXX : XXXX Equifax : XXXX Inconsistency : The number of past-due days ( XXXX  days ) differs between XXXX, XXXX, and Equifax. 
Remarks : XXXX : - XXXX : Canceled By Credit Grantor Equifax : Account Closed By Credit Grantor Inconsistency : The remarks differ between XXXX and Equifax. 
Responsibility : XXXX : Individual XXXX : Individual Account Equifax : Individual Account Inconsistency : The reported responsibility type differs between XXXX and XXXX. 
Credit History Timeline ( Late Payments ) : There are discrepancies in the reporting of late payments ( XXXX, XXXX, and XXXX  days ) across the XXXX credit bureaus. Detailed information about specific months is not provided, so it's challenging to identify the exact inconsistencies in the timeline.
Product: Credit reporting or other personal consumer reports

I had a {$3.00} charge on XXXX XXXX  which I was unaware of until three months later. It was reported to the credit union without giving me an Opportunity to pay. I had a credit card on file that expired. It reduced my credit by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU VIOLATED THE LAW!!! 

As a reporting agency that assume the role of assembling and reporting information on me, the FCRA requires that it is done so in a manner that is fair and equitable to me. I did not grant any permissible purpose to obtain any information of me and report it. A consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; You are reporting information on my consumer report that is to be excluded from a consumer report as well as reporting information about me without permissible purpose and reporting information that is not fair and equitable to the consumer ( me ). Furthermore, YOU ARE REPORTING INFORMATION THAT IS INACCURATE WITH THE CORRESPONDENCE I RECEIVED FROM XXXX XXXX YOU ARE REPORTING AN AMOUNT THAT IS NOT EXACTLY THE SAME AS THE AMOUNT THAT XXXX XXXX XXXX STATED. BY LAW YOU SHALL REPORT INFORMATION OF MAXIMUM ACCURACY! 

Attached with this complaint the is the correspondence I received from XXXX XXXX XXXX and return receipt ( s ) as confirmation that you received my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX apartments opened accounts for all residents with XXXX. This was not on the lease agreement I signed. Residents were not given a choose to opt out. I did not create this account and did not want my private information shared with XXXX. They are now on my credit report. I would surely think something like this should be illegal. Apartment complex says I must contact XXXX. Not possible to talk to human. Apartment XXXX even tried. Tried the email address XXXX gave for help, it was undeliverable. I am very concerned about this.
Product: Mortgage

I have been charged late fees by Gregory Funding while I am in the process of resolving why XXXX is changing of the terms of my mortgage agreement. I expect these fees to be waived after we resolve why my mortgage terms are being manipulated after the fact. The mortgage terms and agreement were finalized on XXXX/XXXX/16. 

In the meantime, I called to XXXX to make my regular phone payment on my mortgage and was told that they would not accept my payment via phone and that I have to mail my payment with an explanation. I have done so. 
I appreciate your help in resolving this situation and confirming the original terms of my XXXX XXXX XXXX mortgage per the five year modification consummated on XXXX XXXX, 2016. 

I am requesting an escrow account history ( insur and taxes ) from : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Loans and 3 ) Gregory Funding. 

As the XXXX Home Loans Mortgage modification explains : Any and all outstanding escrow balances noted on the XXXX Home Loans account will be paid when the home is sold and not until that time. 
thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have attached a letter in the section where it will explain the incident that happened to me. I have file a dispute with your company for because Ive noticed that I had several new inquiries listed on my credit without my consent. I dont understand as to how the inquiries got onto my credit and I havent inquired about no new accounts. I have contacted the FTC to file a complaint and theyre investigating the incident to see if it was inaccurate or fraudulent. It is sad that every second someones identity is being stolen but who to say that the credit bureaus arent doing this purposely? I am clueless and in distress. In the FCRA section 609, it clearly states that accounts or inquiries that arent verified 100 % correctly should be removed because there is no original application or contract that has the consumers signature. Ive contacted the creditors and I havent gotten no response it seems that Im being ignored and the only way to solve this immediately is to file a civil law suit against the creditors and Equifax, XXXX, & XXXX. Please read the attached letter correctly.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Americollect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back
to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Seven ( 7 ) letters attached explain the issue in detail. You are welcome to contact me by phone, mail or email for further information or clarification. 

For over a year, XXXX XXXX has been making unauthorized charges to my Capital One credit card. 

I have repeatedly asked XXXX to stop and I repeatedly have asked Capital One to not allow charges from XXXX. Both companies continue to act unilaterally and they ignore my requests. 

Capital One will not credit my account for these unauthorized charges. 

Capital One has damaged my credit rating due to this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit card

On XXXX first. I use my citibank credit card. On my card there is a monthly flex plan. U can by items and pay it off monthly. I order from XXXX and bought items. These r the charges I am disputing. XXXX. After I purchase this items I check my citi credit transaction. When I seen this charges individual charge. Not saying under the flex plan. I thought they were fraud. So I cancel my card. And filed a fraudulent complaints. This is the month of XXXX. After they did the investigation on those charges it turn out they were legit charges. So they reverse XXXX charges on XX/XX/XXXX. But I told they were right. Even tho charges wasn't fraudulent I am also currently paying those charges in my flex monthly plan. So they r trying to recharge for those item that I am currently paying for now. I been calling the last three week. Trying to get them to credit me for those reverse XXXX charges that's under my flex monthly plan. They being literally lying to me saying they r going to credit me those charges. And since they r trying to rebilled me for item I am still paying off. Under the flex plan. Ever time I call I been told that they will credited me those charges. And have not done anything to credit my account back. Which Has made me go over my credit limit. That's is messing up my credit. By being over my credit limit. I am constantly being transferred to department to department. Having to repeat this over and over again. And nothing Been resolved. And my credit report is being affected by those charges. That I am all ready paying for under my monthly flex plan. I can prove this by my documents from my acct.
Product: Credit reporting or other personal consumer reports

Experian has reported my name wrongly which has had a negative effect on my credit my name is XXXX XXXX XXXX. 
Experian has my name ( XXXX XXXX XXXX ) this is wrong and needs to be fixed for accuracy
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682. I also assert my right to opt out of transaction history per US Code 6801 privacy obligation policy. I am writing to dispute the accuracy of the information on my credit report. Upon reviewing the report, I have noticed several inaccuracies that require your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION REFUSES TO DELETE UNVERIFIED HARD CREDIT INQUIRIES OFF MY CREDIT FILE REPORT
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$1300.00} XXXX CARD XXXX Balance : {$1300.00} XXXX XXXX  XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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 receiptXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I have sent police reports and text messages to  XXXX   XXXX  explaining the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called commenity bank in XXXX to pay account in full. I asked the full balance including late fees. They agreed to remove a late fee if I paid the card in full that day. I Paid the balance due less the late fee as they said they were removing one of them and the balance was paid. I received a bill beginning in XXXX for {$37.00} which was the late fee. I refused to pay it as the account was paid in full. Now they've charged me a late fee again and I owe {$74.00} and they've reported it to my credit report! I called to no avail. They say I owe it.
Product: Credit reporting

I had disputed XXXX XXXX account with Equifax as I was a classmember in Class Action TCPA, Case # XXXX XXXX ( MDD ) which settled and XXXX was court ordered to reimburse clients and remove their reporting from credit bureaus. Equifax is not obliging with that and my class action settlement is being ignored.
Product: Mortgage

My partner is on furlough from his job so we have a financial hardship to household income. We have an FHA loan so I logged into the Homebridge ( our mortgage servicer ) website understanding that we could apply for a forbearance or a deferment of payments ( the latter being the preference ). The website says only forbearance is available and any skipped payments must be repaid in one lump sum at the end of the forbearance period. They even provided this example ( copied straight from their page ) : Example One : 1. XXXX  's monthly mortgage payment is {$1500.00} and is due on XXXX XXXX. He chooses a 90-day forbearance in XXXX. As a result, the forbearance period will run from XXXX  through XXXX. During this time, his monthly mortgage payments are suspended. At the end of the forbearance period, XXXX  will owe a total of {$6000.00} on XXXX XXXX. That is, he will owe {$4500.00} for the XXXX   through XXXX  payments, plus his XXXX  payment of {$1500.00} ( total = {$6000.00} ).

Example Two : 2. XXXX  's monthly mortgage payment is {$1500.00} and is due XXXX XXXX. He chooses a 180-day forbearance in XXXX. As a result, the forbearance period will run from XXXX  through XXXX. During this time his monthly mortgage payments are suspended. At the end of the forbearance period, XXXX   will owe a total of {$10000.00} on XXXX XXXX. That is, he will owe {$9000.00} for the XXXX through XXXX  payments, plus his XXXX  payment of {$1500.00} ( total= {$10000.00} ).

We can't repay a large lump sum like that so I guess we're left on our own to figure out other options. I was under the impression the CARES act was supposed to benefit the consumer by allowing deferments but clearly not ; I don't understand how anyone who suffers a job loss can be expected to come up with a {$21000.00} lump sum payment in six months ( our payment is $ XXXX/mo x 6 months = {$18000.00} + the next payment of {$3000.00} ).
Product: Debt collection

A Debt Collection named in the complaint ( Credit Control LLC ) keeps attempting a debt that was already satisfied with the actual original creditor Named Citibank NA as fraudulently opened and closed which no further collection attempting such have continued under the law. 

I have written the collection numerous times that they need to stop attempting to collect on the debt that was Satisfied with the Original Creditor with documentation to support my claim.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX, my complain is the negligence of the tellers at MoneyTree in XXXX and XXXX in XXXX XXXX, I was trying to make a payment of my loan amounting to {$700.00} on Saturday on the XX/XX/XXXX, but teller told me that they only take cash right after she swpied my card and i got charged. I am trying to make a payment in full so i can borrow again a small amount so I wont have to pay a bigger interest. I had to withdraw money from my other account so I could pay them in full and put the money back once they refinance me, they voided the transaction and today is Monday and my money is not yet back in my bqnk account and when I asked about the interest they said I am still gon na pay the daily interest of my loan that I was trying to pay last Saturday, because of their negligence i had to take another loan from a different lender to put my money back to my account to avoid overdraft charges from my bank and late fee from my landlord. I need your help with this and I wan na get conpensated from all the inconceniences they have caused.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft.