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

I value you setting aside some margin to remove a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Mortgage

I have a home equity line of credit with Capital One bank. The date the draw period ended was XXXX XXXX 2015. If I wanted to make any changes I had to do so before that date. I called on XXXX XXXX, requesting a fixed rate option. I was transferred to XXXX different people, including refinancing. I did not want to refinance. I wanted a fixed rate option and was told I would be sent paperwork. Nothing came. I called again on XXXX XXXX requesting a fixed rate option. I was told a percentage rate could not be told to me over the phone and that a proposal would go out to me in the mail.I specifically asked the agent that even though the proposal would arrive AFTER my deadline of XXXX XXXX, would I still be eligible since I made the request before the deadline. She said Yes. I received a letter dated XXXX XXXX saying I do not qualify for a fixed option because my draw period has already ended. I called Capital One to tell them I did in fact request a fixed rate option before the deadline. The agent told me that there was some kind of time frame that I had to request before the deadline. This is not the case..I have a letter stating I can make a change up until XXXX on XXXX XXXX. I asked her where in the " Terms and Conditions '' this is listed. She transferred me to someone else who says again I am not eligible. The calls are recorded. I asked that the call be pulled and listened to because I was told I was eligible. Now they are denying that is the case.
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 USC 1681. 

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. 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: Money transfer, virtual currency, or money service

Someone entered my TRUIST bank account and withdrawn {$810.00} dollars via XXXX yesterday, XX/XX/2022. 
I've called the bank to stop that transaction because it's still pending, but the bank doesn't do anything, and they ask me to go to the offices tomorrow in the morning. They don't have a customer support service to talk to a bank representative, they just put people on the phone who speak another language and it's hard to understand them. 


I need the bank to stop these transactions and return my money, ( {$810.00} ) which is to pay the mortgate, since I am already two months late due to the critical situation of the economy.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is no sufficient information to support Equifax, XXXX  and XXXX XXXX claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX
Product: Debt collection

Debt company trying to collect the debt which has any right to do so. Same debt previously has been tried to be collected by multipple different companies, with each of them failing to validate the debt or prooving to be the rightfull executor of the debt. Letters of validation, as well of cessing any communication will be send to the collector. If company will still harass me in any way, I wo n't hessitate to take legal actions against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP ; month after month since XX/XX/2023 the accounts below have shown inaccurate reports ; returning to me as verified and in some subjects updated ; still very inaccurate. I am in need of help because I am being harassed by a debt collector who is sending letters of intent to sue. In accordance with the Fair Credit Reporting act. The ACCOUNT below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have told the EXPERIAN, XXXX, and XXXX multiple times to reinvestigate ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  XXXX. 
In todays case Monday XX/XX/2023 the inaccurate information between XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXLAST VERIFIED updated but inaccurate ; DATE OF LAST ACTIVITY updated but inaccurate ; DATE REPORTED updated but inaccurate ; DATE OPENED updated but inaccurate ; DISPUTE STATUS updated but inaccurate ; CREDITOR TYPE updated but inaccurate ; PAYMENT STATUS updated but inaccurate ; CREDITOR REMARKS updated but inaccurate ; ORIGINAL CREDITOR updated but inaccurate ; PAYMENT AMOUNT updated but inaccurate ; LAST PAYMENT updated but inaccurate ; ACCOUNT TYPE updated but inaccurate ; DAYS LATE-7 YEAR HISTORY updated but inaccurate. 
Updated*/modified According to 15 USC 1681 ( 5 ) they are suppose to modify/delete accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit card

I have a WELLS FARGO XXXX ending...... XXXX. I made XXXX payments to the outstanding balance up to XXXX XX/XX/year>. The last date for the balance for the last billing period is XXXX XX/XX/XXXX. After XXXX XX/XX/XXXX, I tried several times to make payment from my non-Wells Fargo account but was denied each time and the following advisory popped up : Pay My Wells Fargo Accounts Error You have reached the daily or monthly limit for the number of online payments to this account ( XXXX ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment.==== I called up the given number and lodged my protest as to why I was asked to open a Wells Fargo account to make payments toward the outstanding balance due. I also mentioned that I am going to raise this issue with the competent authority as I have never heard of such an arbitrary limit to a number of payments towards the outstanding balance.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I have two charges on my credit card from Equifax. I called them and was told only one charge is coming through from Equifax when my credit card shows two charges. Equifax only sees one. I spoke to the bank and they told me to call Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2019 resulting in fraudulent lines of credit being opened using my information.
Product: Payday loan, title loan, or personal loan

I previously borrowed {$800.00} from this company. I have paid back {$1200.00} of that. I am struggling to pay the balance due which is {$1000.00} as I have admitted to and is getting help for XXXX XXXX. I have asked that this account be closed as paid in full or atleast given a reasonable settlement. 
My response was a threat from Mypaydayloan via email for copyright infringement, disclosure of confidential information and breach of contract and a {$900.00} settlement offer. 
Again I am struggling financially and am asking that this be paid in full or given a more reasonable settlement. Being paid in full would be more satisfying to me as this has been the most unpleasant experience ever and I will NEVER get involved with companies like this again!!
Product: Credit reporting or other personal consumer reports

False Bankruptcy Reporting : The credit bureaus falsely and unjustly reported a bankruptcy on my credit report and file. This information was baseless and caused considerable damage to my credit standing. After disputing this erroneous entry, the credit bureaus temporarily removed it, only to reinsert it along with other false and unverified debts.

Reinsertion of False and Unverified Information : Without my explicit authorization or compliance with the due process mandated by the FCRA, the credit bureaus reinserted false and unverified debt back onto my credit report and file. This is a blatant violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which outlines strict requirements for reinserting information.

Failure to Conduct a Proper Investigation : My rights under 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) have been blatantly disregarded. The credit bureaus failed to : Conduct a thorough and timely investigation of the disputed entries. 

Provide me with adequate notice of the reinsertion of information as required by law. 

Furnish any evidence or verification to substantiate the accuracy of the reported information. 

Violation of My Right to Due Process : By reintroducing inaccurate, ghost, and unverifiable debts without my express consent or " wet signature, '' the credit bureaus have acted in bad faith, completely disregarding their legal obligations under the FCRA. This unauthorized action undermines the integrity of the credit reporting system and my ability to maintain an accurate credit profile. 

Fraudulent and Incorrect Reporting : The reinsertion of false, unverified, and ghost debts constitutes a deliberate act of negligence, if not outright fraud, by the credit bureaus. Their failure to ensure compliance with federal laws demonstrates a systemic breakdown in their responsibilities as credit reporting agencies. 

False and Inaccurate Inquiries : The credit bureaus have allowed multiple false and inaccurate inquiries to be recorded on my credit report, which were made without my approval. They have failed to provide proof of my authorization through a " wet signature, '' as required by law. These unauthorized inquiries have negatively impacted my credit score and financial opportunities.

False Names, Addresses, and Aliases : My credit report includes false addresses, false names, and aliases that I have never used or applied under. I have not authorized or paid for any " AKA '' licensing. The inclusion of such information is baseless and has caused reputational harm. 

Baseless Accusations of Debts Not Belonging to Me : I have been wrongfully accused of debts that do not belong to me. Despite successful disputes and removal of these debts, the credit bureaus have unjustly reinserted them into my credit report. This has further tarnished my reputation and constitutes unjustifiable libel and defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXX High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX Owed : {$410.00} ; XXXX XXXX XXXX XXXX XX/XX/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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease vehicle through GM Financial that was rendered a total loss due to a car accident, in XX/XX/2018. In XX/XX/XXXX, my personal auto insurance remitted payment to GM Financial for approximately $ XXXX, leaving a balance of $ XXXX. Based upon my contract, and the information provided to me at time of lease, GM Financial purchased a gap insurance contract on behalf of themselves to cover any gap balance. After my personal insurance made payment, GM Financial assured me that there was nothing further owed on my end, and they would deal directly with their insurer for the balance. In XX/XX/2018, GM Financial reported me as XXXX days delinquent along with the balance with all XXXX credit reporting agencies. I called them and they ensured me that the reporting was a mistake, and an update would be submitted to the agencies to get it removed. Not only was the XX/XX/XXXX delinquency not removed, but GM placed a XXXX day delinquency on my report in XX/XX/XXXX. For the past week, I have called GM at least XXXX times. They promised to remove the delinquency marks, and promised to fax over a letter stating the account was up to date. Every time I called in, I am given the run around. I escalated my call to a Supervisor, but the Supervisor has not returned my calls. I escalated my call to the Total Loss Department Manager, and he has not returned my calls. Between the Supervisor and the Manager, I have left at least XXXX   messages with no success. My credit report is damaged due to GM Financial 's lack of sufficient controls to mitigate operational risks like this. GM Financial has violated my FCRA rights by reporting inaccurate information on my credit reports, and has admitted to their violations several times on our recorded calls.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report under XXXX XXXX XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor associated with this account, which is indicated as XXXX XXXX. 

Furthermore, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, which is reported as {$3900.00}. I am also requesting a detailed breakdown of how this amount was calculated. It is imperative to note that this request is solely for validation of the AMOUNT of the alleged debt, as stipulated by 15 USC 1692g ( a ) ( 1 ).

In addition to the aforementioned, I draw your attention to the provisions outlined in 15 USC 1681b, 15 USC 1666b, and 12 CFR 1006.34 ( c ) ( 4 ) ( I ), as well as 15 USC 1692 ( c ), ( d ), and ( e ), which govern the fair and accurate reporting of consumer information, including debt obligations. 

As per the Fair Credit Reporting Act, I am exercising my right to dispute this account and request that it be thoroughly investigated. I expect a prompt response to this dispute within 30 days, as mandated by law.
Product: Mortgage

2005 applied for a loan with XXXX XXXX. they stated it would be a 20 year loan and advised us to pay extra if we could each month. in XXXX. our loan was sold to SLS ( Specialized Loan Services ) at this time they went thru our loan with a fine tooth comb. they said we missed a payment to XXXX several months back. So to the point I wanted a print out from day 1 to now of all the payments they required from us, what went to interest and what went to principle. I have asked a dozen times for this and they refuse. there paper work shows a 14 year loan. I 'm XXXX I really do n't know what I did with the early paper work. all these years we have been paying extra each month, we borrowed {$100000.00} and now we owe {$91000.00}.
Product: Vehicle loan or lease

I am being harassed daily by a company about a car, I know nothing about. I'm a victim of identity theft. I'm getting calls of them threatening to come to my job and residence and garnish my checks as well. Please help me.
Product: Money transfer, virtual currency, or money service

In XXXX I reported to Venmo that an account was open in my name fraudulently and never heard back from the customer service rep I spoke with. After the account was opened up XXXX more accounts were opened up in my name fraudulently as well which were reported to the FTC and Venmo. These accounts were not fine and I need to know how and why they were opened without my approve. I never agreed to open them nor did I sign any agreement with Venmo. I opened my first account with Venmo in late XXXX which should be the only account for me. Any transactions that were made from the prior XXXX accounts I reported were not made by me.
Product: Debt collection

Requested validation of debt from the collection agency XXXX XXXX XXXX. I was sent an application of credit, which will not prove validation of credit. It only shows a application was done, validation of debt is required by producing a copy of the assignment contract, purchase agreement contract I am now requesting a copy of the assignment contract, or proof of the purchase of the alledged debt.. 

The assignment contract agreement, and the purchase agreement contract. Which, validates the debt which is owed to XXXX XXXX XXXX. 

The selling of the debt from the original creditor, becomes violated once the debt is sold. Thus, violating the contract of agreement, between the original account owner, and the original creditor. 

I request that the assignment contract be provided, to verify XXXX XXXX legal right to collect the alledged debt If the agreement contract can not be provided I demand that this account be removed from all three of the major credit agencies XXXX XXXX, XXXX and XXXX.
Product: Checking or savings account

I opened a CD with First Horizon Bank on XX/XX/XXXX and deposited {$10000.00}. It had a period of XXXX months. 

First Horizon automatically renewed my CD without telling me last month, XX/XX/XXXX. They gave me a low interest rate of 0.03 %. 

They say that if I withdraw now, I have to pay an early withdrawal penalty. I think this is unfair, since they didn't tell me they were going to renew the CD or give me a choice.
Product: Checking or savings account

I deposited a check I received for the purchase of my sofa. The person purchasing the sofa asked me to pay the mover 's once the check cleared, so once I saw the funds in my account, I contacted them and sent the funds to who they said were the movers. The check appeared to be a cashier 's check and it was out of state from Georgia. Navy Federal put a hold on the check for two days and then released the money into my account, but did not verify with XXXX if the cashier 's check was legitimate. Well, this morning that check bounced and they are holding me responsible for this. My account is in the negative {$1500.00}, I have to pay my rent and be responsible for the charges affiliated with this transaction. Why would they release the funds before confirming if the out of state check was good? I don't have money like that. I am a single parent and given that they are the bank experts, I would think that they would do their due diligence to protect me and them.