23daVinci/CFPB_Complaints huggingface dataset:
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  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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

On XX/XX/2012 regarding complaint XXXX-XXXX. XXXX XXXX XXXX provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/XXXX and I am yet to get a response Regarding this debt from XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about XXXX XXXX to complete that task but I have had to call Experian about XXXX times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help. 

**Note- this was previously submitted and I was just directed back to the website that didnt work and to call the number where its only automated. This is the root of the issue. I need someone to look at this as there is a system error on the experian side that the website and phone are reporting different information.
Product: Checking or savings account

Once again Chime has randomly closed my account stating I violated something. I havent at all. They sent a notice and closed it immediately. Didnt give me a chance to get my money out or anything nor did they speak to me for any understanding. I now have no way to feed my kids or get gas. This is embarrassing and tiresome and ridiculous since this is the 2nd time.
Product: Mortgage

I applied for a modification with Ocwen loan servicing on XXXX/XXXX/2015. I sent them a letter from my new employer stating what my new income would be and that I started my new job on XXXX/XXXX/2015. I did not receive my first paystub until XXXX/XXXX/2015. They sent my authorized 3rd party a letter stating that they were going to go through with the foreclosure sale on XXXX/5/2015 because I was not going to be able to provide them another paystub till after the foreclosure sale. I submitted this review almost a month prior to this sale and I have new income that they are not willing to review. Please help to allow for my review to retain my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost 9 years ago we filed for Chapter XXXX and have paid our debts except for a fraudulent proof of claim filed by XXXX XXXX XXXX. A judgement has now been determined that is binding through arbitration and entered into Federal district court. 
This chapter XXXX occurred due to the actions of this lender. The filing should be removed as it is almost 9 years old and the maximum is 10 years that it could stay.
Product: Credit reporting or other personal consumer reports

I'm trying to buy a house and noticed several inquiries that were unauthorized. According to 15 U.S.C 1681 law, there should not be any damages on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My names are incorrect on my credit profile. There are also inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home or my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Checking or savings account

I am being charged by XXXX since XXXXWhen I realized I was being charged the amount of {$24.00} and sometimes {$28.00} I reached out to XXXX to cancel the subscription. I didn't understand why I was being charged for a service I never signed up for. XXXX says that they can not find any accounts understand my email address or name. I called Chime to file a dispute and to block the merchant. Chime ensured me that they blocked the merchant and I filed a dispute for the charges on XX/XX/XXXX from XX/XX/XXXX - XX/XX/XXXX on XX/XX/XXXX Chime sent me an email stating that the dispute was denied. I didn't really care about loosing the dispute because the merchant had been blocked. But in XX/XX/XXXX I received another charge from this company for {$24.00}. I called Chime back to inquire about the merchant being blocked and they told me that the merchant was not blocked and that they were unable to block merchants and they I could only file a dispute for the charges. Chime filed a dispute again on XX/XX/XXXX. Please note that I am having to deactivate and receive a new debit card each time. On XX/XX/XXXX the dispute was denied again. I tried reaching out to XXXX again. I called the number provided under the transactions in my bank account for XXXX and they are still unable to find an account under any of my information. I have been trying since to get this resolved. I filed another dispute with Chime on XX/XX/XXXX for all of the charges from XX/XX/XXXX - XX/XX/XXXX and they dispute was denied as of XX/XX/XXXX. I have changed my card three times and tried blocking the merchant but I continue to be charged.
Product: Credit card

I just noticed that my intererest rate on my citi bank credit card is too high the charges is 29.99 % I don't know the reason behind this because my other credit card XXXX and XXXX the charges is only around 18 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and requested verification of a Bankruptcy reporting on my credit report reporting inaccurately against me. I contacted Transunion, XXXX and XXXX via mail and phone call. I was advised they verified the information with the courts. I have received a letter from the court that states that did NOT provide this information to the credit bureau so the credit bureau LIED about verification. I am aware that if the information was illegally obtained and not provided by the source they are stating the credit bureau is required to delete this information and they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware of a delinquent reporting for a credit card I had a long time ago that Wells Fargo just decided to close one day ( payments had always been on time ). 
This report had not shown up on XXXX XXXX, so I was not aware of the issue until I was applying for a mortgage. 

I immediately contacted Wells and was referred to their Attorney. 

Within a few days, the attorney and I concluded an agreement that was signed by Wells Fargo for payment of the account. 

I sent a Cashiers Check for the full amount of the agreement to the Attorney, The Attorney then paid Wells and wrote me a letter stating that the account was now paid. 

However, the credit reporting agency will NOT accept verification from " a third party '' stating the verification of the account payment MUST come from the reporting entity ( Wells Fargo ). 

When I contacted Wells, they refuse to provide any documentation to me. 
They said Wells automatically updates credit reports on a QUARTERLY basis and I would have to wait until that happened. 

I explained that I just need a letter / verification that it has been paid, so I can close on a house by the end of the month ( 9 days until the end of the month ). 

I then talked to the mortgage company -- they of course were surprised at Wells Fargo 's response. 

So I called them again. This time I spoke with a person named XXXX. 

XXXX said they NOT help me but would treat this " just like they do for for everyone else ''. I would need to just wait until Wells Fargo processed things through their system and reported it in a month or so. 

The fact that I stand to lose a considerable amount of money by not closing on time, was of no importance to her. That was JUST TOO BAD. 

She repeated and rudely stated that they NEVER provide letters or documentation. 
She stated there is NO LAW that forces them to do and she was not going to do anything to help. I asked if I could have the credit reporting agency contact her -- and she said NO. they would not talk to anyone or verify it with them. 
Again, I could contact or report it to any body I wanted, but she would not do anything to help and there was no law in the country that could make her do it. 

She repeated that Wells Fargo treats everyone the same and you just have to wait for as long as it takes. 

She agreed that she could see that the payment had been made. And it would be reported within the next few months. Have a nice day.
Product: Credit reporting or other personal consumer reports

XXXX is reporting three incorrect late payments in the month of XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. I have written several letteter to the company to resolve this issue and have been completely ignored. 

Here is a copy of my latest letter that was sent to them. It has been of 45 days and no response.
Product: Debt collection

XXXX XXXX never sent me notice of this debt, and never gave me an opportunity to discuss or dispute the debt. Instead, they reported a debt to my credit report and sent the file to an attorney named XXXX XXXX, XXXX. This attorney then filed suit on me and had me served. I never knew the debt was in collections. After being served, I made contact and paid the debt through the office of XXXX XXXX, XXXX. I have requested that the collection account be removed from my credit report, and have been told that this is not a resolution they offer. I want XXXX XXXX to delete the account from my credit since it is paid. I will also begin contact with my State Attorney General 's office and will potentially sue this company for their business practices. Additionally, the " original debt '' was from a XXXX XXXX XXXX. This " bank '' reported the account to my credit as well. Both XXXX XXXX and XXXX XXXX XXXX are owned by the same company, and should not be able to report 2 separate entries for 1 single debt. I will also be filing  complaints and potential suits against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  - XXXX account opened XX/XX/XXXX XXXX Last payment was for {$300.00} on XX/XX/XXXX. On this date I chose to call and pay the remaining balance on the account in full and voluntarily close it. It was not until XX/XX/XXXX, when I received a phone call from RCS collection agent XXXX XXXX that I found out my account was not closed. 

Even though I asked that the account be closed, XXXX sold the account on XX/XX/XXXX without notifying me. This was done just 2 days after I believed I had closed my account voluntarily. One department obviously didnt know what the other was doing. 

The company XXXX sold my account to, continued to try and auto withdraw monthly payments from my bank. Suspecting fraud, I called XXXX the following month to make sure the account was closed as requested. A XXXX agent told me that I no longer had an account with them, so I assumed it had in fact been closed. Later I found out that XXXX declined and returned the {$300.00} payment I made to close the account, because it had already been sold. XXXX said that because they no longer owned the account, they were no longer allowed to give me any further information. 

Because I did not recognize the name of the company trying to draw funds from my bank I closed the checking account they were drawing from. 

No one contacted me by mail, email, or phone to tell me the account was still open or had been sold to : Resurgent Capital Services ( RCS ). XXXX. 
That account, ID # & & XXXX, came to them with no late reports and showing a balance due of {$790.00}. Again. I can only assume that the increased balance of {$790.00} amount was due to added late fees applied after the account was sold. 

RCS claims that they tried to reach me through the mail, but later acknowledged that they had an incorrect mailing address and email address on file. I never received correspondence from them. If I had received any of this correspondence, I would have dealt with it immediately. 

RCS manages this account for yet another 3rd party, LVNV Funding who hired XXXX XXXX to collect the amount of {$790.00}. LVNV-XXXX continued sending notices to the wrong address, so I was unaware anyone was trying to reach me. 

On XX/XX/XXXX, I received my first phone call about this matter from XXXX XXXX with RCS. She said that in reviewing the account there was clearly sufficient evidence to dispute the false reporting. She immediately placed the account in Dispute Status. She provided proof that XXXX XXXX tried to reach me at an incorrect address. 
( attached ).
Product: Vehicle loan or lease

Ally financial I have my car financed with Ally Financial and my account number XXXX Car details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I refinanced my vehicle through XXXX XXXX XXXX XXXX and they have sent the payoff check via XXXX on XX/XX/XXXX, XXXX tracking is XXXX and XXXX shows it was delivered on XX/XX/XXXX at XXXX and signed for by XXXX XXXX 
Check # XXXX amount {$50000.00}. 
My complaint is : Ally financial has not taken any action to payoff my vehicle, the customer service employees have very poor service and they dont have any information about the check or the whole situation and they dont have another number for their financial team who supposedly received the check and get my car payed off. 
Please help me to resolve this issue. 
Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian intentionally removed my mailing address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They did this with the intention to hurt me when applying for credit and credit increase I sent in an written statement stating not to remove my accurate address they did this to delay and to fully stop the dispute in process Someone that worked there used my mailing address and added apartments number in between the main mailing address I filed the dispute on certain addresses not this correct address as listed This company is a disgrace to the consumer and I have not been able to utilize my own credit when needed
Product: Checking or savings account

On XX/XX/2023 I received a check in the amount of {$2500.00} from the California state Controllers Office, which I received as I was a recipient of the XXXX XXXX education and training grant program. I deposited that check via the Bank of America app the same day on XX/XX/2023. XXXX XX/XX/XXXX I was notified that there will be a hold on the deposited check and the hold would be released and funds available on XX/XX/2023. On XX/XX/XXXX Bank of America sent me a letter that explain that they decided to close my account, which was because of suspicious activity related to the {$2500.00} check deposit. They claim that the check was invalid, and that I committed fraud. Bank of America finalized my account closure on XX/XX/2023. My balance is over {$2200.00} but Bank of America is claiming that the {$2500.00} check was deemed invalid and fraudulent, and therefore Bank of America will not be giving me the rest of my funds in my account. I contacted the California state controllers office, and they verified to me that the check was indeed cashed. The check is legitimate, and I have provided many alternatives to verify the check including providing documentation of me being awarded, physical copy of the check, the California State Controllers Office ( which is the agency that issued me the check ) to no avail of resolving the problem. Bank of America is illegally withholding, my money, and I demand that my money be given to me immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable information unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital, XXXX Subject : Cease and Desist Notice Dear [ Collector 's Name ], I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your previous correspondence. This letter serves as a notice under the Fair Debt Collection Practices Act ( FDCPA ) and any applicable state laws. 

I do not acknowledge the validity of the debt you claim I owe, and I request that you provide me with written verification of this debt, including the original creditor 's name and the amount owed. Until you provide this information, I ask that you refrain from contacting me further. 

Please be advised that any further attempts to collect this debt, including phone calls, letters, or other forms of communication, will be considered harassment and may result in legal action against your agency. 

Thank you for your attention to this matter. I expect your compliance with this request. 

Sincerely, [ ( XXXX XXXX ) ]