23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( XXXX ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and XXXX disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the XXXX XXXX XXXX. 

XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.V 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX Amount : {$500.00} XXXX, XXXX XXXX XXXX Amount : {$350.00} Date:XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX And 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: Vehicle loan or lease

Problems with Credit Acceptance raising interest rates, being uncooperative in trying to lower payments or refinance. Rude disrespectful customer service, predatory lending behavior
Product: Payday loan, title loan, personal loan, or advance loan

My account was sent to collections with Monterrey from my timeshare. I have sent a letter for confirm the debt to Monterrey Collections and a letter requesting they not communicate with me any longer since I don't owe them money ... I owe the timeshare. I enacted my constitutional right not to communicate with them and they are ignoring the US Consitution.
Product: Debt collection

I paid this debt over the phone back in XXXX. ACH did n't go through so she called back and did a Debit card payment for the full {$100.00}. Now I am receiving calls saying that this was never paid. I have provided proof and if this hits my credit I will sue this company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Student loan

XXXX student loans in XX/XX/XXXX were taken out that had 6 month terms that were ironically XXXX loans totaling the exact same amounts as defaulted amounts on letters I received claiming I was in default for these amounts. The total amount = {$23000.00}. I never took out these loans because I was already 2 years graduated out of XXXX XXXX with my XXXX. Then after my student loan closed in XX/XX/XXXX, I find a new loan attached to my credit report for {$22000.00} with XXXX, is this the loans from XX/XX/XXXX, no doubt I believe so. How come TGSL ca n't provide me of details around my loan? I have a link of all my documentation around the deceptive activities going on with my student loan over the course of the last 30 years, of which I will sue XXXX for garnishing my wages over {$17000.00} for already for a loan that is n't even mine that they took out in my name. They should have guidelines to follow and be held accountable for deceptive trade. My loans never went into default they refinanced mine and then opened XXXX loans in my name to default me instead, and they need to stop doing this to people. XXXX XXXX Here 's the link to my supporting documentation : https : XXXX? usp=docslist_api
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting account name XXXX XXXX is not mine. This is only appearing in the Experian report, and I reach out to Experian to delete this inaccurate account and error because this account does not belong to me. It is damaging my credit since this is reporting charge-off and closed. I also contacted the XXXX XXXX  directly to remove this from my credit report since this does not belong to me and they never responded back. I reach out to Experian twice in regard to this error and they have not reply back to me with an answer either. On the website through Experian.com, all I see is that Experian verified this account, so I sent another letter asking them to explain how they verified this account since this does not belong to me and the creditor is not responding back?? Experian has not responded to any of my letters requesting an explanation to this inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i purchased a vehicle through Ally auto finance company. When going over the financing application i spoke to a representative from Ally they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option. Ally auto finance targets committees of color lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This racist organization needs to be held accountable for their lies and deception
Product: Credit reporting, credit repair services, or other personal consumer reports

the following one collection is not mine, this is an inaccurate information reporting under my name, please find attached the documents that shows i had been a victim of ID theft, this is a fraud account showing under my name, please have equifax remove this inaccuracy thank you
Product: Debt collection

I noticed a derogatory mark due to account in collections this month ( XXXX of XXXX ) of which is for a supposed charge from XXXX of XXXX, nearly 4 years ago. Of which in the last 4 years, I have not received any notices or communications that I am in collections. The charge is of a very minimal amount, one that would have never gone to collections. My standing credit score is in the mid XXXX 's, with no late or missed payments, and this is extremely out of the norm as well as not to mention the fact that I have received zero communication in the last 4 years about this supposed debt of mine. 
The original debt is supposedly from XXXX XXXX XXXX, of which I do not remember ever going to or getting a bill from, which then sold the " debt '' to XXXX XXXX in XXXX, OK, of which have not contacted me regarding this, and then 4 years later decided to run it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.
Product: Credit reporting or other personal consumer reports

I recently got a credit report on free annual credit report and saw a fraudulent account reporting on my credit. I contacted the company on XX/XX/2023 and they couldn't verify any information that tied to this fraudulent accounts. I called the credit bureaus on XX/XX/2023, and i was told to get a FTC report. XX/XX/2023, i mailed the documents with my Drivers license and Social. I still havent got any corresponding from them. This is causing alot of stress.
Product: Mortgage

I tried to find out what the payoff was the said it was a fee involved which was not disclosed by freedom financial. They would not accept the certified check for the payoff and are going to charge me a late fee because they did not accept the certified check I just wanted to pay for my house. I sent them a check for  XXXX  on    XXXX   XXXX   XXXX    and was told it was not acceptable on   XXXX   XXXX   XXXX    and was refused to be allowed to talk to a supervisor.
Product: Debt collection

I sent a formal written request to the company for verification of a debt under UCC 9-210, including a tender of payment using lawful negotiable instruments as allowed by UCC 3-104 and 3-603. I also requested a full accounting and proof of loan funding in Federal Reserve Notes as specified by contract law. The company failed to respond to my request or accept the lawful tender, thereby dishonoring the payment and discharging the debt per UCC 3-603 ( a ). This non-response constitutes a violation of my rights under the UCC and the terms of the contract.
Product: Credit reporting or other personal consumer reports

The creditor below is reporting to my credit profile and I have no knowledge of this creditor. This needs to be removed immediately. Please note that this creditor has the incorrect spelling of my name, so this debt does not belong to me and is incorrectly reporting, creating a negative impact, causing hardship. 

Creditor Address XXXX XXXX XXXX, XXXX, TN, XXXX First Name XXXX Last Name XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX CARD XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$100.00} ; MEDICAL XXXX Balance : {$64.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending several complaints to Experian they have done nothing more but resend the same information without fully investigating this matter further. I have been saving every letter and certified receipts as well. They have removed an address that is not tied to me but refuse to remove the account that they have failed to provide proof of as I have NO CONTRACT with XXXX XXXXXXXX XXXX Tracking number XXXX. Attached is a copy of the letter I have send several times and they refuse to comply. I also send this same letter via email upload and I requested the entire account XXXX be removed as well.
Product: Checking or savings account

On XX/XX/year> I used my business banking card to pay for proposed services. I spoke with the merchant who confirmed I would receive such services. I traveled to the the venue only to be offered different service options and suggestions for future services. The merchant did not provide the services I paid a deposit for and because it was digital I was not paid a refund in cash. Upon attempting to refund my payment/deposit online the merchant marked the transaction as cancelled which rules state theres no refund if the customer/me doesnt show up. The transaction was verified with the bank once posted. However upon attempting to submit a dispute I was instructed to seek my refund for services not rendered from the merchant up until 15 days. However the merchant has blocked my emails, calls and the bank has yet to seek compensation on my behalf. Rather than stating I must attempt to receive a refund from the merchant.UPDATE I filed this complaint as stated above. The Bank response was I did NOT provide proof that I contacted the merchant I was NEVER asked to provide proof that I contacted the merchant to request a refund. In fact the bank insisted that submitting a dispute was not advisable as the process is at least 60 days to get a response therefore its advisable to seek the refund from the merchant. I was sent multiple emails via their app stating to contact the merchant although I provided proof that the merchant was actually being dishonest and marked my appointment as cancelled I would have very easily provided a screenshot of my text message asking the merchant for a refund for services I paid a deposit for but never received if asked from my bank. I was not informed by the bank that would be the ONLY reason why my request to dispute the transaction was denied. 
Whoever responded from the bank is lying. I have included the screenshot from I and the merchant however the conversations between the bank and I on their portal are no longer available.
Product: Credit reporting or other personal consumer reports

Disputed XX/XX/year> CREDITACPT The dispute came back verified and the amount increase. The account has been closed. Reporting balance {$13000.00}
Product: Debt collection

I receive phishing emails almost daily purported to be from PayPal using a from address that reads XXXX. They almost always refer to a debt, payment, or withdrawal from my PayPal account. I rarely due any transactions through PayPal and certainly do not recognize the billing being referred to. I just delete the email, but it is annoying to receive them so often.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, XXXX  accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX has violated my rights under 15 USC 1681 section 602A, 15 USC 1681 section 604A section 2 and 15 USC 1666B View attachments below
Product: Credit card

There was a charge on my Apple Card that I don't recognize on the amount of {$95.00}. I opened a dispute with Apple Card and they sided with the business. I never made this purchase, I don't recognize it and they are refusing to give my money back.
Product: Checking or savings account

On XX/XX/2023, Bank of America closed my account with no reason behind it. They also closed both of my credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit for over 6 months and still have unauthorized and unverifiable information on my credit report. This is a violation of my rights and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of identity theft. I noticed the following problems on the date of XX/XX/XXXX, XXXX, XXXX, and Experian have furnished my consumer report without my consent in any way/form. My nonpublic personal information has now been shared through companies. Congress says, the consumer has the right to privacy and as a consumer the burials have gone against my rights and the laws rights! These credit bureaus are failing in protecting my information and are going against the LAW! The Fair Credit Reporting Act was made to ensure fairness and THE CONSUMERS RIGHTS TO PRIVACY THIS IS A DIRECT VIOLATION OF THE GRAMM LEACH BLILIEY ACT OF 1999! I am sending out this letter to have the following information deleted from my credit report instantly. Unfortunately I am a victim of my identity being taken, and I also have not made the following change. I demand the following items listed in this report be deleted from my credit report as soon as possible. I have reported the theft of my identity to the federal trade commission, I have also sent out a report through the CFPB and the XX/XX/XXXXand below are the copied attachments for your keeping. Please delete the following information as asked asap THANK YOU! 




ACCOUNT NAME :XX/XX/XXXX
Product: Debt collection

I have never received any letter/documents from XXXX XXXX for services supposedly given in 2013, nor a bill from anyone stating otherwise either. Called # on debt collection letter and asked to have debt verified because I am not aware of this debt. Collection agency then kept asking me " what kind of verification do I need '', " call your insurance company '', " the letter from us is your verification of debt ''. Only when I informed the rep that I had a family member who does debt collection and so I am well aware that they legally have to document my dispute and verify the debt from the original creditor did the rep say " okay, we will get that sent out to you ''.
Product: Credit reporting or other personal consumer reports

My credit was ran by both of these companies which I have never associated with.
Product: Checking or savings account

Urgent Complaint Regarding Blocked Account and Unresolved Issues with Citi Bank ( About COMPLAINT ID : XXXX, SUBMITTED ON XX/XX/year> ) To Whom It May Concern, I am writing to file a complaint regarding ongoing issues with my Citi Bank account XXXX which has been blocked since XX/XX/year>. This situation has caused significant financial hardship, and despite my repeated attempts to resolve the matter, I am unable to access my funds. 

The issue began when I conducted two ATM transactions ( both for {$300.00} ) on XX/XX/XXXX. Shortly after, my account was blocked, and all transactions and access to my funds were denied. I contacted Citi Bank, and they informed me that they had sent a letter to my address for verification. However, I never received this letter. 

Additionally, Citi Bank is unable to verify my phone number, which I have used since XX/XX/year>, when I arrived in the United States. I verified my phone number with my provider, XXXX XXXX, and confirmed that it is linked to my name, but Citi Bank has been unable to do the same. 

Over the past several weeks, I have called the bank numerous times, each time being told to wait for the letter. After 14 days, they escalated my request to a higher authority, but there was no progress. I followed up again on XX/XX/XXXX, and they informed me they would resend the letter, but there was no guarantee that I would receive it. 

Since then ( XX/XX/XXXX ), I have moved to a new address, which I updated in Citi Bank 's system through their mobile app. Despite this, they have refused to send the letter to my new address. I even suggested sending the letter to my nearest branch so I could verify my identity in person, but they declined this option as well. As of now, Citi Bank has sent another letter to my old address, asking me to wait until XX/XX/XXXX. 

I am in a very difficult position as my salary is being deposited into this blocked account, and I can not access my funds. This situation has left me without any cash on hand, and I have been forced to rely on my foreign card for daily expenses, costing me significantly. 

As evidence, I am submitting my receipt from the ATM transaction that triggered the account block. 

I kindly request that the CFPB investigate this matter and assist me in resolving this issue promptly, as it is severely impacting my ability to meet my financial obligations. 

Attachment : Receipt of ATM transaction, My new address proof. 

I am also willing to verify my identity by bringing any legal documents or in person to my nearest Citi bank branch. 

Thank you for your attention to this matter. 

Best regards,