23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit report today as I am getting ready to buy a house next year and checking to see what is on the report. I was shocked to find XXXX XXXX having an open collections for a debt that I have no awareness of. I had XXXX XXXX years ago and switched to a different insurance company due to better rates. I am not sure why this debt is on my credit report, I received no correspondence of this and it needs to be removed. This is absolutely outrageous and it has tanked my report! Are we not allowed to switched insurance companies now if we are unhappy with their services and rates? I received no correspondence of this either to give me an opportunity to discuss this and have this resolved and now they have tanked my credit scored. This is not okay.
Product: Debt collection

I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to The Bureaus INC and Attorney General of Texas complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted an application or applied for an AUTO LOAN with my favourite Insurance co. USAA.com. 
I am a member of USAA since XXXX. 

When I applied for a Auto Loan with USAA, I submitted only 1 ( one )  application for AUTO LOAN. 
The date is XX/XX/XXXX. 

The loan which was offered to me had an APR something like 8.05 % or 8.09 %.

It was not affordable to me.

I choose another Auto Loan for 2,4 % APR and it was already paid off. 

I do not recognise second hard inquiry on my credit report, by XXXX. 

Second hard inquiry was made on XX/XX/XXXX. 

I already made one hard inquiry for Auto Loan, I received an answer that I can get a loan with interest rate over 8 %. I could not accept 8 % it is just too high for me. 

I did not made second hard inquiry for the same auto loan. 

I noticed that problem already in XX/XX/XXXX. 

but I was So OVERWHELMED with my new car XXXX and it is a space shuttle and not a car, and so I did not have forces to fight to remove second unjust hard inquiry. 

I also had a major XXXX in XX/XX/XXXX in XXXX XXXX Hospital for 5 hours. I was in recovery mood when i realized that there are 2 hard inquiries instead of 1 hard inquiry for auto loan. 

Now, in XX/XX/XXXX, I am much stronger and I see that all these double-hard-inquiries damaging my credit report. 

It damages my credit score. 
Including for USAA Auto Insurance company. 

I request USAA to remove second unjust hard inquiry for auto loan.
Product: Credit card or prepaid card

There was a fraud charge made mid to end of XXXX. I notified Comenity Bank which is the bank that issues the cards for Victoria 's Secret. They stated they will start a fraud dispute and issue a new card within 7 business days. I have called them more than four time and also spoke to a supervisor. I have not received any letter showing the dispute for fraud charge has been started, I have not received the new card as promised. I dont want to be charged any interest and they refuse to issue a new card when account was in good standing, they refuse to send any written adverse letter with any reasons as well as refuse to send a letter showing the dispute has started. It was sent to a property in another state and they continue to say they will send a new card and letter however when I call they say there doing a system update for the last month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$120.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$340.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$2200.00} -XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX  : {$2200.00} 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a dispute letter around XX/XX/2021 for the negative marks on my account for the amount of {$280000.00} from XXXX XXXX. They haven't corrected the issue or contacted me about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau XXXX and XXXX  are not willing to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX XXXX from my credit report. They are showing a balance of {$520.00} that has been sold to a collection agency that is also trying to collect this debt. 

Within the allotted 30 days, I received response that it has been verified. 

XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

XX/XX/XXXX - Received same letter again simply saying verified. I have still received no method of verification for this account.
Product: Credit reporting or other personal consumer reports

I was supposed to be in Covid protection status and was told and I have the proof that I didnt need to start making a payment until XXXX it is now reporting I am past due and it took a. Hit to my credit I want this fixed as I have paid a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the fact that XXXX XXXX XXXX notified all 3 credit bureaus to remove an account from my report on XX/XX/2019, and I continue to fax copies of the letter from this collection agency confirming this, Equifax continues to list this derragatory information on my credit report and have cause me to get denied for a loan. Equifax also continues to list a hard inquiry from XXXX after being informed by XXXX to remove this inquiry on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding several accounts listed on my credit report that have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Accounts in Violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of the Violation : Right to Privacy : 15 U.S.C. 1681 Section 602 ( a ) : This section underscores my right to privacy, establishing the importance of accurate and fair credit reporting to protect consumers from the detrimental effects of inaccurate or unauthorized information. 

Unauthorized Furnishing of XXXX : 15 U.S.C. 1681 Section 604 ( a ) ( XXXX ) : It is stated that consumer reporting agencies can not furnish my account information without my written consent, except in certain limited situations. I did not provide authorization for the reporting of these accounts. 

Inclusion of Outdated Information : 15 U.S.C. 1681c ( a ) ( XXXX ) : This section prohibits the inclusion of adverse information in a consumer report if it is older than XXXX years, except for certain criminal convictions. The accounts in question contain adverse information that exceeds this permissible timeframe. 

Inaccurate Reporting : 15 U.S.C. 1681s-2 ( a ) ( XXXX ) : This section mandates that furnishers of information ensure the accuracy of what they report. They are prohibited from providing any information they know, or have reasonable cause to believe, is inaccurate. The accounts in question reflect inaccurate information that should not have been reported. 
Given these violations, I request that the Consumer Financial Protection Bureau investigates this matter and ensures the removal of the inaccurate, outdated, and unauthorized information from my credit report. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Charged upfront fees, took fees from my account ( monthly ), and did not help me with credit repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports, I have never done business with this company. I have called several times. They have incorrect information concerning my identity. I asked if they could send me evidence of this opened account and I have not received anything and it has been over 30 days for the credit bureaus investigation. 
XXXX Account Number : XXXX
Product: Mortgage

We are one payment behind on our mortgage for {$800.00} with 21st Mortgage. XXXX XXXX, Financial Counselor sent an email saying we could apply for XXXX, which we have done and our application is currently under review as of today XX/XX/XXXX. We have called XXXX, from XXXX and left a voicemail this morning. I called to make a payment for {$800.00} which they eventually took. They have been refusing to take my payments because I am one month behind. But I'm waiting to hear back from XXXX. They continually are harassing via email, and on the phone. They transfer calls to another person who continues to harass. Today when I called to make the payment the lady on the phone wouldn't take my payment until I told her why we are still a month behind. I told her I'm waiting on XXXX and she put that in the system. I asked her if she wanted my routing/checking number. She said she needed approval then transferred me to her supervisor who also wouldn't take my payment. She transferred me back to the other rep and then told her she could take my payment. Then she told me they can't keep working with us like this due to being a payment behind. 
I'm tired of being harassed by this company and it isn't just me. I've read reports on XXXX against this company. I sent an email stating I would pay on the XX/XX/XXXX which is the due date. XXXX XXXX from XXXX said back in an email she can't take that kind of payment arrangement. Which I paid today XX/XX/XXXX after they harassed and refused to take on the phone bouncing back and forth between rep a Supervisor. Please investigate. My understanding of the law during Covid is if you try to make a payment and they refuse they still have to count it as payment in full. I have all emails between me and this company.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX I make a purchase of airplane tickets for {$530.00} from XXXX XXXX for a trip to XXXX XXXX that should take a place XX/XX/XXXX to XX/XX/XXXX. Due to COVID19 the flight was canceled. 
I was trying to resolve this issue with XXXX XXXX however, without a success. 
My flight was canceled XX/XX/XXXX and I was issued a Ticket Credit that must be used within 90 days. 
I tried dispute this charge with AMEX twice however, XXXX XX/XX/XXXX I received email that I will be charged a fee despite that flight never took place and I did not received any refund from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Data Breach and Violation of Rights Under 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to formally notify you of a recent data breach that has compromised my personal information. Specifically, my name and other sensitive data were included in this breach, which I believe to be a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

According to 15 U.S.C. 1681, I am entitled to the protection and privacy of my credit information. The unauthorized exposure of my personal information due to this breach has caused significant concern and distress, as it puts me at risk for identity theft and other fraudulent activities. 

I respectfully request that the CFPB investigate this matter thoroughly. I would like to understand what measures are being taken to rectify this situation and to prevent similar breaches from occurring in the future. 

Please advise me on the steps I should take to safeguard my credit and personal information moving forward. I would also appreciate any guidance on how to pursue further action against the responsible parties for this breach. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXX 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 XXXX 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: Debt collection

We moved into XXXX XXXX XXXX in XX/XX/XXXX. We signed an 11 month lease our lease should have ended in XX/XX/XXXX. There was confusion about when our lease started because I had to signed several different leases before moving in. 

XXXX XXXX was the property manager at the time and he did not take any accountability for the confusion or lack of notification. He insisted that i move out XX/XX/XXXX and my 'notice to vacate ' be handed in XX/XX/XXXX. I did not receive any written notice so I handed in my notice to vacate XX/XX/XXXX which should have been sufficient according to the last lease I signed. Due to this, XXXX XXXX said that I would be subject to a 40 % rent increase from XX/XX/XXXX to XX/XX/XXXX. This put our last bill approximately {$4000.00}. 

My roommates and I paid this debt down to {$1500.00}. We received several bills so I contacted a XXXX XXXX from XXXX and attempted to fight it with a legal team I was associated with. After making minimum progress, I proceeded to pay the debt down to {$500.00}. I have receipts and money orders dated XX/XX/XXXX signed by XXXX ( employee of XXXX at the time of payment. ) In XXXX of XXXX, XXXX XXXX XXXX and IQ Data reported a debt of {$1500.00} ( In two separate collection accounts ) to the credit bureaus despite my payments. It is now XXXX and I have disputed the debt 4 to 5 times and it still remains. I have contacted XXXX XXXX XXXX, XXXX, IQ Data International all 3 credit bureaus and my receipts seem to hold no weight which is baffling to me.
Product: Mortgage

Ocwen Bank foreclosed on my home in California. I applied 48 times for a modification, via certified mail. I have been in the XXXX XXXX 24 years and I got out of the Military in XX/XX/XXXX. Ocwen is evicting me on XXXX XXXX XXXX. Can you please help me? I know they never processed any of my paperwork properly. They are taking advantage, I have nowhere to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX GIVE AUTHORIZTION TO EXPERIAN, AS PER YOUR REQUEST IN RESPONSE TO MY COMPLAINT
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/ to TransUnion. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureau said they completed the investigation and said everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigative consumer report means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditors of the consumer or from the consumer I would like to know who did they talk to. 

How did they complete this investigation
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

{$2500.00} was taken out of our checking account without our permission. We dont know who took it out. They treated us like criminals. Citizens Bank kept cutting me off when trying to talk. They said IF we got it back IF it was fraudulent then we might get it back in XXXX business days.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!