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

In accordance to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy under 15 U.S.C 1681. 

XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth :XX/XX/XXXXTo Whom It May Concern, I am writing to file a formal dispute regarding inaccuracies and unauthorized inquiries present on my credit report. I believe that my rights, as protected by the Fair Credit Reporting Act ( FCRA ), have been violated by the following creditors : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These violations directly affect my financial well-being and have caused undue stress and hardship. While I understand that errors can occur, the frequency and severity of these violations have significantly impacted my ability to secure favorable credit terms. This situation has also led to emotional distress and hindered my pursuit of important life goals, such as obtaining a mortgage for a stable home environment. 

I kindly request your intervention to enforce the legal protection afforded to consumers under the FCRA. I urge the creditors mentioned above to investigate and rectify the inaccuracies, unauthorized inquiries, and violations outlined in this letter. Furthermore, I request the removal of the unverified accounts associated with the aforementioned creditors from my credit report. 

I appreciate your prompt attention to this matter and trust that you will ensure that my rights are upheld. Please inform me of the steps you take and the resolution reached. I can be reached at [ your email address ] or [ your phone number ] for any communication related to this dispute. 

Thank you for your assistance. 

Sincerely, XXXX 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 on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I went to XXXX XXXX and was told i was being charged for 3 months rent for months i did not live there i gave them a 30 days notice in XXXX 2014 and returned my door keys in XXXX. I never signed anything renewing my lease. The lady in the rental office told me there was nothing she could do because it was a different manager at the time and to dispute it with the collection agency. I have done that but have n't received anything in response other than its being reported as a closed derogatory account. I 'm willing to pay what I owe so that I can rent a new apartment.I will not pay for something and I did not live there nor did I ever have to pay rent when i did live there. I have contacted the collection agency numerous times only to be told i have n't disputed or they have n't received anything from me. I 'm XXXX XXXX XXXX and this is holding me back from renting an apartment.
Product: Credit card or prepaid card

Yesterday XX/XX/XXXX I received a letter stating that my Victoria Secret card ( account ) was closed. 
My balance on that account is XXXX because I made all my payments on XXXX. Throughout this whole pandemic I manage to make all my payments. 
I called immediately after receiving the letter. The automatic system asked for my four last from my social security number, once I entered it there was an automated message that stated " If you are calling about your account being closed we will not reopen it take care '' and the phone call hang up. 
I called again, and this time I did not enter my social security number, I kept saying customer representative, after a while someone came to the phone, this person was extremely rude and told me that probably I did not use my card for more than 12 months ( last time I used my card was on XX/XX/XXXX before having my baby ). I was trying to tell her my side of the story and she right away cut me off and stated if you want to re-open an account is not happening. I told her that I needed to speak to someone else, she put me on hold for about 30 minutes and then the call re-routed to the beginning of the option menu. When I tried to get a customer representative there was silence and no one on the other side. 
I hung up and called for the 3rd time. I spoke to another representative. I was able to communicate a little better with her but she told me I should send a letter to the bank. 
I am still very discourage about how everything happened, I would understand if I owed them money, but I never missed a payment ( one late payment ) during a pandemic where I lost so many hours from my job, my father got sick with the virus and was in the hospital for six months. I had a baby, and they wanted me to be thinking about buying Victoria Secret items. It just does not make sense to me at all. It has not been a year since I last used my card since that's the statement that they are going for. 
Now my credit is going to be affected because of an unfair decision.
Product: Debt collection

I am writing to formally dispute in violation of federal laws protecting consumer rights and personal information.

1. 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Under this section, access to my consumer report is permitted only for specific, permissible purposes. I have reason to believe that my consumer report was accessed without proper authorization or a valid purpose as defined under the law.

2. 18 U.S.C. 1028A This law criminalizes knowingly transferring, possessing, or using another individuals means of identification without lawful authority. If my personal information was used fraudulently or without consent, this constitutes a violation of this statute.

3. 15 U.S.C. 6802 This section mandates that financial institutions provide clear disclosures about how they share and protect customers private information. Additionally, it requires explicit consent before sharing sensitive personal information in non-permissible ways. If my information was shared without my knowledge or consent, it violates this law. 

Request for Action I am requesting that you : 1. Provide documentation showing the basis or authority for accessing or sharing my information.

2. Investigate the unauthorized use or sharing of my information, identify responsible parties, and provide a written response with your findings.

3. Cease any further unauthorized access, use, or disclosure of my personal or financial information. 
XXXX. If applicable, immediately delete any records or information obtained unlawfully or without my consent. 



If you fail to resolve this issue promptly, I reserve the right to take further action, including filing complaints with the Federal Trade Commission ( FTC ), or pursuing legal remedies. 

Please respond to this letter 30 days Thank you for your prompt attention to this matter.
Product: Mortgage

I make my equity loan payments on time every month. I learned in XXXX, 2020, Pentagon Federal Credit Union performed a system upgrade for the Mortgage Servicing System and it is erroneously reporting that my XXXX payment was not made. I have contacted them by phone and XXXX multiple times in the past month to rectify the situation, but they have done nothing. I am concerned that because their system thinks I am delinquent, they will be reporting this to the credit bureaus. They are unable to provide to me a date for when this issue will be resolved. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX {$550.00} XXXX XXXX XXXXXXXX {$620.00} XXXX  XXXX {$3000.00} XXXX XXXX XXXX XXXX {$4000.00}
Product: Mortgage

Ocwen Loan Servicing LLC as servicer for XXXX XXXX XXXX XXXX have filed a civil case against us in XX/XX/XXXX in XXXX XXXX County case # XXXX which lists XXXX XXXX XXXX XXXX XXXX as Trustee under Pooling and Servicing Agreement dated as of XX/XX/XXXX XXXX XXXX XXXX XXXX, despite the facts that we, XXXX XXXX and XXXX XXXX were not in default when the summons was filed. We were current and have proof of said payments. 
Are you aware that the plaintiff in this case is XXXX XXXX XXXX XXXX and is in default of its obligations under applicable Federal and State laws? The servicing agents are not the real parties in interest. XXXX XXXX XXXX XXXX lacks the authority to proceed but have intentionally and fraudulently filed papers and posted notices as though the authority was present.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus has allowed creditors to place harmful information on my credit report. I requested from the bureau as well as the collection agency. I have asked for signature bearing documents to prove the validity of the debts I disputed. No such documents have been provided and experian is complicit in this illegal action along with the collection agencies. The credit bureaus are violating the fcra.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, XXXX, and XXXX Re : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 
I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : XXXX All XXXX bureaus have status as late 60 days. 
XXXX last date of payment as XX/XX/22 but also has on the payment history as 30 days late for that month. 
TransUnion and XXXX both have the last payment date as XX/XX/22. 
Please update to pays on time every time and remove derogatory info from my report for this account. 
After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,
Product: Vehicle loan or lease

I aquired a auto loan from XXXX XXXX XXXX on XX/XX/XXXX. I  was on time with my payments and was in good standing with my loan. I was involved in a car accident in XX/XX/XXXX where my car a XXXX XXXX XXXX was totaled. The accident was reported to as being the other persons fault and they were ordered to pay for the car. What the other persons insurance did not cover was taken care of by my gap insurance. I have recently checked my reports and on all three credit reporting angecies XXXX is reporting a balance and the debt as a charge off and this information is inccorect because it should be reporting a XXXX  balance becuase they were paid by both my insurnce company and the at fault party.
Product: Debt collection

We received a letter in the mail regarding a debt with XXXX XXXX from American Coradius International LLC. That debt was paid last year, however since we did n't realize about it and we " trusted '' the letter, we accesed the online payment option which was only able to be paid with debit card or check. " The debt '' was paid with debit card just to avoid any issues, however we realized something was wrong. We called this company, they couldnt provide ANY information about it, their verification procedure was none, they said their system was down and will call back whenever the system gets back. There is only one guy answering the phone ( from a collections company, pretty strange ). Several calls after they got me to a " supervisor '' that could n't tell us ANYTHING about the debt. They did not want to return the payment and said that we should call the card to dispute the charge, but since it is debit, the money is already gone. 
We are furious. We wish that someone goes after them and uncovers the truth. There are many people reviewing the company fake online as a scam. Looks like that company also violated many collection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " XXXX '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this collection account to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax website, where I submitted a dispute, is constantly down. I am unable to check status, get verified. In short, I am unable to proceed in removing an incorrect negative impact to my credit. 
At this time, as more than 30 days have past I request removal of the negative impact, per law.
Product: Checking or savings account

The month of XX/XX/2022 I had 2 Unauthorized ACH withdrawals from my checking account. I called my bank both times and got it resolved right away. However, The second time I told my bank ( CAPITAL ONE ) to close my account because I felt it was compromised. They agreed and restricted the account. 

I RESTRICTED the account on XX/XX/XXXX and got a new debit card and 2 new checking accounts. I activated my debit card at the time on XX/XX/2022 and linked it to one of my New checking account on XX/XX/2022 and Switched it over to my other NEW Checking account XX/XX/2022. On XX/XX/2022 I was charged from XXXX {$290.00} Via debit card Purchase in the RESTRICTED account and the transaction NEVER went Pending it Posted Immediately. Then On XX/XX/2022 I was charged {$290.00} again in my new checking account. XXXX says it was for my final transaction with them on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXXXXX XXXX XXXX XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I recently submitted a complaint ( XXXX ) to Discover Bank but their response was not satisfying and I don't think it will help me resolve my problem in the future. The details of the complaint will be attached and I will include my response to Discover below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had left to XXXX to live there since XX/XX/2015 and as I came back I've noticed that someone used my information and had opened fraudgelent account. 
Wellsfargo XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia. XXXX XXXX Night of XXXX of XXXX XXXX XXXX XXXX To : Manager Customer Accounts, HONDA FINANCE EXCHANGE CUSTOMER ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX From : XXXX XXXX XXXX General Executor XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Dear Manager Customer Accounts, I have sent you some documents related to account number XXXX at address XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX to this date we have not received a response the service for payment, the document sent to you concerning this account was a Estate/Trust Estate letter , certificate of trust and the billed was not responded too. 

The 1099A made out to HONDA FINANCIAL in the amount of {$24000.00} for the full amount of services any future bill will be continuous discharge, Restore and keep services on at XXXX XXXX, General Executor at XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. MAIL ALL TITLES TO ADDRESS ABOVE. 

Authorize Representative XXXX XXXX, Estate/Trust PAYMENT CREDITS MUST BE RELEASED TO ABOVE ACCOUNT XXXX IN THE FULL AMOUNT {$24000.00} WITH 1099A FORM, PLEASE SEND TO ACCOUNT MANAGER OR CORRECT DEPARTMENT THAT UNDERSTANDS HOW TO RELEASE THESE PAYMENT CREDITS.
Product: Debt collection

XXXX the general manager got extremely rude and aggressive towards me over the phone and in person. Over the phone it was due to me asking why I can not log in to my account and pay online, to which he refused to say the website wasn't working and told yelled at me to just pay in person or over the phone. As I had to pay I chose to pay in person and in person when I asked for an emailed receipt, something they said they could do over the phone, He scoffed at me and refused to give me one and remained aggressive until I left.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report and noticed many fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2 time requesting an investigation for my consumer report. The account XXXX XXXX is reported inaccurately. It has left a negative derogatory remark and It states that I am a co borrower in which I never consented to any such loan. The late payments being reported are also inaccurate because they are different with each credit reporting agency. According to the FCRA you are required to report accurate information to insure the validity of my consumer report. Title 15 USC 1681 ( i ) a reinvestigation of the disputed information shall be performed and the account shall be removed due to inaccurate information.
Product: Debt collection

I contacted XXXX XXXX XXXX who informed me the debt was not theirs but HFD. I informed them that I had paid on time prior to me sending back the product. Two years later this shows on my credit report. There is currently an open case with XXXX XXXX to find the product I sent back two years ago. I reached out to XXXX to verify the debt but the line just rang.