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

There was a XXXX XXXX account opened with my information on XX/XX/XXXX. I have never been with XXXX and had no knowledge of this account and my information being used. 
Upon discovery of said account through Experian on XX/XX/XXXX, I found as much as I could regarding this account ( which wasn't much, may I add ) and finally on XX/XX/XXXX I made a dispute to remove the collection from my credit with the claim that this was not my account. 
When the dispute was finalized, the only thing that changed was {$1.00} to what I owe ( from {$690.00} to {$690.00} ). I called XXXX to retrieve the account but because I did not have accurate information related to the account, I couldn't go any further. I explained to the rep that for whatever reason, my info was somehow used and now *I* owe and can not remove this debt from my credit score. 
This caused a deep frustration but I decided to ignore it. However, my credit score continued to decrease due to no payments being made to the collectors with XXXX. I made a second dispute on XX/XX/XXXX repeating that this was not my account, using a screenshot of payments I'd made to my actual wireless provider at the time the XXXX account was opened. The dispute results returned the same as before, " ther information was found accurate ; however, information unrelated to your dispute has been updated. '' No changes were made. 
As of XX/XX/XXXX, the account is now on a charge-off. I still owe but if I pay it may further negatively impact my score. XXXX can not assist me since I have no proof account is mine ( because it is not ) and Experian can not remove the information from my credit score. This account is fraudulent and there's nothing I can do to prove it. So, until this is settled, my score continues to decline. I refuse to pay for something I had nothing to do with.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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: Debt collection

Tacked on a bunch of late fees then hid them saying I owe much more then I do company is capital one NA showing no late fees in the letter but they are loaded with late fees
Product: Checking or savings account

On XXXX XX/XX/XXXX, I established banking relationship with TD bank in XXXX XXXX, FL ( branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). I opened a checking account type 'TD Beyond Checking ' and enrolled in the cash bonus reward promotion program. The program has no promo code required at the time of the opening, I simply research this program on TD bank website and see which option is fit to my financial situation. The individual banker who opened named XXXX XXXX, position Customer Service Representative, XXXX ID # XXXX confirmed that the account was opened and enrolled in the this particular cash bonus promotion. 
This promotion requirements are : 1. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD XXXX XXXX account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. 
2. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. 
XXXX. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. 
XXXX. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. 

On XXXX XX/XX/XXXX, I made a first direct deposit of {$1300.00} into the account. 

On XXXX XX/XX/XXXX, I made a second direct deposit of {$1400.00} into the account. At this point I had {$2800.00} into the account which meet thus first criteria. 

Then, I was expecting the latest earning date of XXXX XX/XX/XXXX for the {$300.00} which is more than 140 days as stated in the criteria. 

However, I did not receive anything after the above date. Thus, I called the bank to see what is problem. The representative sent an email to Marketing and Promotion department for my case. I still did not hear anything back, neither an email nor a phone call from this bank, for my case after almost two months. I called them today and received the answer that My account was not qualified because I did not have a directly specific promotion flyer that was issued in my name and sent to my mailbox at the time opening '. This answer is completely untrue because there is no such criteria as this in the requirements that posted on TD Bank website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company & account appeared on my Experian credit report stating an account was opened with XXXX XXXX XXXX on XX/XX/2021 and that I owe them {$670.00} This information is False & fraudulent & needs to be removed from my credit report immediately. I have filed disputes with all 3 credit bureaus & It needs to be taken care of. I have worked extremely hard during Covid 19 to pay all my credit cards & loans Every Month. All of my accounts are paid on time & seeing this False account appear on my report is disturbing & WRONG.
Product: Mortgage

I have already filed a complaint but the resolution was not satisfactory. I realize I missed a payment in XXXX on a repayment plan but I lost my job in XXXX. I notified the company immediately but they claim they never received my requests for assistance. As a result Im going to lose my home in the middle of the fall and I have no where to go. This seems not to matter to the company and since they still own the property Im not sure why they wont they wont try to help me. I know they have tried in the past but we are ready and able to resume normal payments. My wife is XXXX and is XXXX XXXX and my son is XXXX. 
There is no way to move them at this point. I wish I could get them to grant me help again. I cant lose my home XXXX simply cant. How do you celebrate XXXX living in a car? Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions.
Product: Student loan

XXXX XXXX //www.mohela.com/ calls and leaves threatening voice mails. 

my account has auto-debit on, but they insist I owe a balance ; however, when contacting them ( I have to wait an hour until after they close ), they are unable to confirm, deny, nor provide any information to me ; but that i can reference the site which then states a {$0.00} balance. 

their refusal to re-send documents lost by USPS, as well as, their inability to take responsibility and give me the amount I owe and the monthly amount is dangerously faulty. they also have auto-debit authorization, which allows them to take the funds directly ( there is more than 40 % over the amount it shows i owe, this is a fault of their system ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I wrote a letter to all 3 Credit Bureaus concerning a Auto loan from XXXX XXXX. In the letter I asked them to please verify the information being reported because it was being reported with the wrong amount showing after the car had be sold. Well after waiting 45 days I called each reporting bureaus only getting through to 2 out of the 3 with them saying that the balance has been updated which is hasn't. According to the Fair Credit Act if wrong information is being reported even if it is off by a XXXX XXXX XXXXXXXX of dollars. It's causing me financial damage so my question is shouldn't it be removed? I just believe these bureaus have become untouchable and feel like they are able to do whatever they want.
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the ongoing issue with the incorrect opening dates on my account. Despite my previous XXXX attempts to address this matter, the incorrect opening dates on my account remain unresolved. This letter marks my multiple attempt to request the correction of these dates. The continued presence of these incorrect dates is negatively impacting my financial records and potentially my creditworthiness. The prolonged delay in addressing this matter is unacceptable and has caused me significant stress and inconvenience. I expect prompt updates on the progress and actions being taken to address this issue until it is fully resolved. If this matter is not resolved promptly, I will have no choice but to escalate my complaint to relevant regulatory authorities. Kindly help me correct the account immediately : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$5300.00}.
Product: Checking or savings account

Anew card was issued to someone from Direcr Express to another person, I did not request this, this person removed y money in the acct. and waited till my direct deposit was put on my acct on XXXX. They made 3 withdrawals from an atm, our card is now closed and theirs is too for fraud. Please help me solve this and try to recover our deposits. Im a XXXX mother with an XXXX XXXX. Please thank for your help ... we only receive XXXX a month, and need XXXX, with paying bills. 
Thank you
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX Account # XXXX open XX/XX/2021 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX added remarks as " affected by natural disaster '' on my account though I'm not affected and I'm making on-time payments till date. I disputed this remark with the bank through bureaus but they returned back this remarks as accurate.
Product: Checking or savings account

XX/XX/XXXX received mailer for XXXX Ahead Savings account via email to receive XXXX bonus miles if XXXX was deposited. 
XX/XX/XXXX signed up and received confirmation that I was enrolled and if deposited funds that I would receive miles within 90 days. 
XX/XX/XXXX chatted and was told that I successfully qualified for offer as of XX/XX/XXXX and to wait until end of month for miles to be credited. 
XX/XX/XXXX chatted and was told they would open an investigation into the miles XX/XX/XXXX received a denial of miles to be credited as I wasn't part of the promo XX/XX/XXXX called and they stated I did qualify and would submit another review as the original one did not have all the information added. 
XX/XX/XXXX received a denial of miles to be credited as I wasn't part of the promo XX/XX/XXXX called and spoke with a supervisor who read off the letter and stated that even if I received an email of the promo and received confirmation email from the company that I did not qualify because I must not have clicked the right link to set it up. 

Their denial letter states to send them information of the promo code but doesn't tell you how to do that - there are no directions to provide. I had to get on X and chat with a representative to get the email address. I set up a conference with a banker for XX/XX/XXXX at XXXX am and received confirmation of the appointment but they never called.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Product: Debt collection

Phoenix Financial has reported a disputed debt from 2013 which is past the statute of limitations in the state of Delaware ( 3 years ), also have called and threatened to file suit when it is past the statute of limitations as well and they are not within their rights to do so. They also reported this single debt to my credit as 3 separate debts thus far. They are violating my rights under FDCPA and I will file a complaint with the XXXX, FTC, FCC, their local attorney generals office and any additional office that I find. If they do not remove this negative report from my credit within 10 days, I will be forced to explore my options with litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I noticed that I had fraudulent account opened in my name. I tried to dispute this with the company and they have failed to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of specific hard inquiries from my credit report as I have been a victim of a data breach. My personal information was compromised, putting me at risk for identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of the following inquiries from my credit report : Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$140.00}
Product: Debt collection

Optimum Outcomes XXXX XXXX XXXX, XXXX, TX XXXX sent me a collection letter dated XX/XX/2021 and called me prior. On XX/XX/2021 I called Optimum Outcomes and spoke with XXXX. When I gave him my phone number and birthdate, he said it did not match and stated there is an error and it will be corrected and I can ignore. I also contacted the creditor and they said my account has no discrepancies. They have another member with the same name file and that may be the error. 
On XX/XX/2021 I mailed Optimum Outcomes a letter outlining the above and requested they provide me documentation regarding the debt, to cease contacting me and to ensure no negative information passed to the credit bureaus. 
Since then, I've been contacted by Optimum Outcomes on XX/XX/2021 and XX/XX/2021. 
I called Optimum Outcomes on XX/XX/2021 and spoke with XXXX and reviewed the above information. She again verified my personal data did not match what they had on file. 
I've mailed Optimum Outcomes another letter on XX/XX/2021 to dispute the collection and to cease contacting me. 
I called the creditor on XX/XX/2021 and she sent her Account Manager an email to contact Optimum Outcomes to correct the error.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are reporting inaccurate information on my credit profile.
Product: Credit card

In XXXX I reached out to Discover Card via chat to let them know that I was struggling financially. My single parent adult daughter had been laid off from her job and I was trying to help her with eviction, food, and care of my grandchildren. I stated most of my payments were going toward interest and what options were available to me. They offered a fixed rate and a little lower payment contingent on me paying my payment ( not 30 days late ). I wasn't able to complete this request, but did make the full payment for XXXX. I again reached out and was told of the previous payment option and if I did this my late payment would not be reported to the credit bureau. I did agree and paid my first payment on XX/XX/XXXX under the payment plan ( although the amount due is higher than I originally paid and more than I expected. ) I requested and received a copy of my free credit report and to my surprise Discover had reported my payment being 30 days past due in XXXX. I reached out to them yesterday and was told " we are not credit analyst '' I didn't understand that statement. I stated I realized they were not credit analyst, but I was told my account would not be reported past due, but it was. Again, the agent stated they were not credit analyst. I was under the impression that if I entered into the payment agreement and paid I would not be reported to the credit bureaus as being late.
Product: Credit reporting or other personal consumer reports

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! 

In accordance with the Fair Credit Reporting act XXXX Account numbers below are in strong violations of my consumer rights. 

XXXX XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my understanding, in 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 that A consumer reporting agency can NOT furnish any account without my written instructions to do so.
Product: Vehicle loan or lease

Credit acceptance is reporting and incorrect balance on my credit report and will not fix it after multiple disputes
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

I 've sent 3 dispute letters to TransUnion. 
One on XXXX/XXXX/2016 the other a copy of the same dispute on XXXX/XXXX/2016 and now a third on XXXX/XXXX/2016. 
Since my first request ( over 260 days ago ) I have yet to see any investigation of any of my accounts in error or in question. 
Therefore, based on the bureaus blatant disregard of federal credit reporting laws, I would like all my account in error or question deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to request that you stop all communication with me regarding the alleged debt. I am not a third party nor a credit company.

Additionally, it is important to note that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, it is unlawful for third-party entities to report or collect on debts without proper authorization and compliance with the law. The FCRA requires that any reporting of credit information must be done in accordance with the consent and accuracy provisions of the Act. Therefore, the purchase or reporting of debt by your company may be in violation of these provisions if proper procedures and authorizations were not followed.