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

In accordance with the Fair Credit Reporting Act, The listed account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ( 1 ) Consumer Adjustment Co.has violated my rights,15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has a balance amount of {$1200.00} this unknown collection has been reported on my credit report as a collection. I do not know or even heard of this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several charges on my credit report through Experian. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XXXX of XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both XXXX and XXXX  the same information an have not received a responce XXXX  was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also XXXX was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I on my new home on XX/XX/2022, I paid the downpayment to the closing agent, XXXX XXXX. I closed on the house I was at another closing earlier in the day. So the proceeds were paid at the time of closing, which was processed at the title company as well. The transaction was handled by the realtor. I called my previous lender to let them know that the home was sold and Affiliated Title of Central Florida XXXX XXXX XXXX XXXX. I called the title company several times as the check for the payoff of my previous house seemed to be caught up in some kind of slowed down process. In the meantime, my previous lender was reporting the loan as delinquent. I called the lender to ask them why, they did not have a answer for me finally the title company sent the check to them but they reported the loan as being delinquent, for both XXXX and XXXX. I am enclosing the letter the Lender sent with their response. Both of our credit score where hit by more than XXXX points. You will notice in the document from the Lender that we had the loan for 2 years, every payment was made on time. I have a hard time understanding why if I close on a home, I'm still responsible for the loan. Freedom knew we were selling and they also sent a closing statement to the Title Co. It really hurt us at a very bad time and we worked very hard to make sure we pay our bills and I watch our credit. I asked Freedom if there was something they could do, they apparently feel they weren't responsible. Please respond
Product: Credit reporting

i am financing a car from XXXX through the XXXX bank in XXXX ma, i have never seen any statistics or report concerning my car payment,, why is that? i have been paying for this loan almost a year now .. the loan is under my name and wife name and only it shows up on her credit report not on mine as well ... so any suggestion how to bring my history back on my credit report because it affects my scoring issues.
Product: Debt collection

Hi, I did not have any big medical expenses for my daughter after 2019. I have always paid in full all medical bills. but now I am getting bill from some debts collection company saying that I have some medical bill due for my daughter against which they had not provided much information. it seems to be some fraud company and if legitimate they are expected to provide me exact details which they are not ready to share.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXXXXXX XXXX XXXX  Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I Am not able to see my credit score. Before I was using XXXX but due to some reasons or mistakes committed by my bank I am unable to see my score. then I changed my bank to XXXX but still it shows my XXXX credit score. I do not agree with this if I use my credit card I try to pay my bills on time so that I can maintain a good credit score. when I opened my account in XXXX, the employee over there checked my credit bureau report which showed me some addresses in XXXX that I don't know or I have never visited there, and one MasterCard of XXXX XXXX is issued under my name worth {$86.00} or {$93.00}, but I have never made any MasterCard or never visited XXXX XXXX till date. Please help me to maintain my good credit score because it's really important to me. 
thanks
Product: Checking or savings account

I have a checking account with Bank of America. I also have a credit card with them on which I owe . Without my authorization they took {$1100.00} from my checking account & said they were using it to pay my credit card debt. 
Is this legal? can they do this to me? What can I do about it? Thank You!
Product: Debt collection

On several occasions I have reached out to Transworld in regards to a collection that doesn't belong to me ( in the amount of {$370.00} ), but is showing on my credit report causing me significant damage to my credit score. This debt does NOT belong to me, and as a result I'm requesting verification/validation of the alleged debt from Transworld.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Here is a dispute letter template based on the Fair Credit Reporting Act ( FCRA ) and issues discussed in the CFPB report regarding inaccuracies in credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ Experian ] [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX TX XXXX ] Subject : Dispute of Inaccurate Information on My Credit Report Dear [ Experian ], I am writing to formally dispute inaccurate information on my credit report, which I obtained on [ XXXX ]. The following item ( s ) contain errors and require immediate correction under the Fair Credit Reporting Act ( FCRA ) : [ XXXX XXXX XXXX ] - Account Number [ XXXX ] Issue : inaccuracy, conducting investigation
Product: Vehicle loan or lease

Credit Acceptance offered a settlement agreement amount to settle my account with them through The law firm XXXX and XXXX. I paid the settlement amount in XX/XX/23. I waited more than thirty days for them to report the payment to my credit company XXXX but they have yet to report the account has been paid. Ive submitted several disputes regarding this account through XXXX but Credit Acceptance has not taken the necessary action to get this account resolved and closed. I have submitted the documents from XXXX and XXXX showing the account has been paid in full to them but they still reporting this account open on my credit report and its hurting my credit score. At this point its false information because the account has been paid.
Product: Credit card

I receive my credit scores monthly from the Credit Bureaus. I was informed XXXX XXXX XXXX XXXX XXXX ' credit limit was lowered. I used the chat feature on Synchrony Bank 's website, XX/XX/23 and I was told my credit limit was lowered because of my credit scores. I asked for the phone number to XXXX. I then called XXXX and spoke to a representative. She again informed me that my limit was lowered because of an impact in my credit scores. I told her my scores were very close to perfect and that could not be the case. She put me on hold for XXXX minutes and came back to say, my limit was lowered due to inactivity. I asked why I wasn't given the courtesy of a letter and/or phone call. I have been with them over 13 years and have never been late. I've also used the card a lot in the past. I asked to speak with a manager and she said ok and then I was hung up on. I am thoroughly disgusted with the treatment I received from Synchrony Bank.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to erase any erroneous accounts from my credit report. Could you inspect the documents? Some of the accounts listed have inaccurate reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

As a victim of trafficking, my personal information was misused without my consent. I request that these fraudulent items be investigated and removed from my credit report. 

I am requesting that you thoroughly investigate the items and remove any fraudulent information from my credit report. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and appreciate your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Checking or savings account

Debit card expired and I didn't receive a new card. The bank will not let me into my account to review deposits and pay bills until the new card arrives. XXXX, the customer service manager said it is Citibank policy to not allow customer access to their checking account unless they have a valid debit card. I'm unable to log into verify year finances and pay bills.
Product: Debt collection

This company continues to call but never lists any information beyond " an attempt to collect a debt ''. I do not wish to call and give my personal information as this may be a scam. I recently received a call from someone named " XXXX XXXX '' who will be attempting to " serve '' me papers at both my home and work address. My concern is no correspondences have been mailed to any physical address but now I am being threatened with court documents.
Product: Checking or savings account

On XX/XX/2019, I made a deposit of {$530.00} into my checking account and the money was illegally/fraudulently withdrawn. Evidently, Wells Fargo Bank employees were micro managing and/or flagging my account status in order to process the unauthorized withdrawal and impose a negative account balance on its customers by charging them {$120.00} processing bank fee. 

I believe these financial misappropriations are premeditated in order to charge customers excessive bank fees. So, that Wells Fargo can recuperate the {$85.00} million dollar class action suit which, they already owe their clients by defrauding customers into unauthorized bank accounts. 

I personally visited the Wells Fargo XXXX Florida Corporate Branch location on XX/XX/2019 to dispute the matter in its entirety. I spoke to a Ms. XXXX XXXX, and explained to her that I was disputing the fraudulent transaction ( s ) amount in its entirety. Ms. XXXX, then misled me into believing that she would file a claim on my behalf all I had to do was sign a dispute. Instead she was deviant in having me sign an agreement that she had me understand and believe was merely a dispute of my checking bank accounts fraudulent activities.
Product: Debt collection

Enhanced Recovery Company XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern, On a recent review of my credit report, I discovered Enhanced Recovery Company is reporting a debt that I have previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety. I am requesting that Enhanced Recovery Company provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Enhanced Recovery Company cease and desist from all collection activity pertaining to this account. Enhanced Recovery Company are only to contact me via mail at my mailing address. I am allowing Enhanced Recovery Company a period of 30 days to produce this information. If Enhanced Recovery Company is unable to validate the account, then they are to remove the collection account from all of my credit reports. 

Enhanced Recovery Company failure to act will result in this matter being referred to the XXXX XXXX XXXX and the Attorney Generals Office.
Product: Debt collection

LVNV purchased a Debt from XXXX XXXX say I owe them but the Statue Limitation is past due to collect on this debt
Product: Credit reporting or other personal consumer reports

By Law under the Fair Credit Reporting Act, all three credit bureaus share information that should be equally accurate. I have compared my XXXX report to Equifax and they are NOT equally accurate, they are completely off! Therefore, that is complete violation of the FCRA! And as far as I know and understand Equifax HAS TO ABIDE by the FCRA.
Product: Debt collection

Several years ago, XXXX decided that I did not return equipment to them which I did quite a long time ago. Recently they turned this issue over to XXXX XXXX XXXX. I will not pay for equipment that I returned to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was submitted on XX/XX/20 and I received no response regarding my dispute results. I also have a credit monitoring account with XXXX and updated my reports after 35 days from the date my letters were mailed and it is very obvious that my dispute investigations were not processed as any of the disputed accounts have no remarks that the account is being disputed by the consumer. This credit reporting agency is using the protection of the CFPB 's relaxed approach to the 30 day rules and should be back to full compliance by now.
Product: Debt collection

a company ENHANCED RECOVERY CO L is reporting a Balance {$1900.00} I have NO CONTRACT with this company and or services
Product: Debt collection

Receivable recovery placed a account in my name that is not mine. I did not have this account and this account is not mine. I have never opened an account with XXXX XXXX. I never heard of a XXXX XXXX. This account was placed in my name fraudulently. It is listed a medical debt which is against the HIPAA laws to place on my credit profile and it needs to removed because it is a violation of HIPAA laws plus it isn't my account.
Product: Checking or savings account

On XX/XX/2024 I woke up to my account restricted i had called chase bank to confront the problem XXXX they helped me and said i would be able to pull XXXX out of my full amount XXXX but everytime i go to branch they reject it.Now my account is closed after a supervisor told me i can withdrawl my funds today
Product: Debt collection

On XX/XX/2019 at approximately XXXX XXXX XXXX at California XXXX XXXX reached out to XXXX XXXX who is an employee of mine and told him they were a collection agency trying to get hold of me and asked him for my phone number. Mr. XXXX came to me and gave me the message. I called XXXX. I asked what this was about. She explained that it was a medical collection account for my daughter. I explained to her that my ex wife ( mother of my daughter ) has a history of incurring medical bills for my daughter without my authorization and that there are court orders in place on how this is to be handled. I kept asking her who incurred the bill and she kept telling me that it could be reported and if I was going to pay the bill. I kept asking her for information and for them to send me something in writing so I could find out if in fact I authorizes this or not. My daughter has had extensive medical bills and some of them I have and some I have not. She asked me for my address. I supplied it. She asked me for my cell and I supplied it. I asked her for who the responsible party was and she would not respond. I asked her to only communicate in writing and she continued to threaten me with reporting it on my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I am XXXX XXXX XXXX and XXXX am writing to bring to your attention two errors in XXXX XXXX credit reporting that have resulted in my absence from credit reporting and the removal of my credit history despite making timely payments as an authorized user on Card Number/Account Name ending XXXX and XXXX XXXX. As of Date XXXX  XXXX, XXXX. It has been over 30 days since I requested reinstatement, and my credit reporting and credit history remain unchanged. I am providing the following supporting documentation to substantiate my request. I have attached proof of letter, its XXXX pieces of the letter, that letter from my primary account holder confirming my authorized user status : Proof of address and my government issued ID. 

I as authorized user respectfully request that you take immediate action to reinstate my credit reporting and credit history effective XXXX originally when I started as authorized user from XXXX, XXXX XXXX XXXX XXXX XXXX Please ensure that all future payments are accurately reflected on my credit report from the beginning from last year until now. Its a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also attach a copy of that. If there are any additional steps required from me, please let me know and provide a clear timeline for resolution.
Product: Debt collection

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX XXXX XXXX and XXXX XXXX my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Product: Debt collection

MRS associates keeps calling me multiple times a day I 've told them to stop. they keep calling. Not my Debt, not even my name.
Product: Debt collection

Reviewed my credit report and saw Creditor Velocity investments on it without any information about the debt. Did not receive any mail about this debt.
Product: Debt collection

I have several family members contacting me saying debt collectors have been contacting them about a debt in my name. It's getting outrageous at this point.
Product: Checking or savings account

Chase refused to provide me my money in my account after I tried to withdraw {$2200.00}. I tried 3 different branches and they still refused because I didnt have my Debit Card and my ID which I lost. However, I provided them with my passport which had my maiden name but also provided the marriage certificate stating that change. I also provided my social security number and they still refused to withdraw because I didnt have their Debit Card as proof of identity. I provided legal documents. They will not allow me to withdraw any money or transact in anyway. Why can they do this?? I also had issues with this account before not allowing wire transfers, etc. horrible experience.
Product: Student loan

FedLoan more than doubled the monthly payment for my income based repayment plan without warning or cause and withdrew it from my bank account. I have attached statements from FedLoan showing that my expected monthly payment has been {$290.00}, as well as letters from FedLoan saying my IBR recertification was not due until XX/XX/XXXX. Yet today, I saw a statement for {$670.00} without explanation, looked at my bank account, and saw that yes, {$670.00} had been withdrawn. I called Fedloan and asked to speak to someone from their IBR department, and was told that the entire department was closed for COVID. They further told me that it looks like it was an error at their end but there's nothing I can do ; I just have to recertify early.

They know that I am enrolled in PSLF so can not switch to another servicer, and they know I do not have the money to press charges in court, or would not be on IBR. This is truly horrible. They're openly and freely exploiting and extorting people who they know have no means of fighting back during a pandemic. I have no recourse.