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

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREA
U IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/XXXX XXXX
Product: Checking or savings account

I opened a business account at bank of America. After putting all my business information and account numbers on the computer at the branch, the computer screen turned blue and popup said " XXXX thanks you ''. I asked the lady who was watching me what was going on and she said that, " that was a practice run. '' I told her that I didn't enter practice information but the real information of my business and she told me they didn't want my business.
Product: Debt collection

Portfolio Recovery, (   XXXX   ),   XXXX , calling after  XXXX   XXXX
Product: Mortgage

On my closing disclosure, I paid for taxes that were supposed to be paid by the builder. The builder paid the taxes on the back end but I did not get the money back because it showed up as a " credit '' on my XXXX statement. How can it be a " credit '' when I paid for it at closing?
Product: Debt collection

The following collection account does not belong to me : *MRSBPO/Acct # XXXX - This is a collection account that I am unaware of and have requested validation from the creditor and no validation has been provided. 

I have previously tried disputing this account on several occasions. The original creditor of this account is being reported as XXXX. I currently have an open and active account with XXXX  that I am currently paying on-time. I don't have any other previous accounts with XXXX, nor is my account in a collection status. Furthermore, I wouldn't be able to continue my services with XXXX, if I owed a previous balance on a closed account that was sent to collections. This account needs to be PERMANENTLY REMOVED from my credit file. 

If the collection company insists that I am the rightful owner of this alleged debt, please provide me with validation, proving that I in fact owe a balance to XXXX. Please provide me with the name and contact number for the original creditor, a breakdown of the balance I allegedly owe and the original contract that was signed. I would also like to be provided the first date of delinquency and the last activity date on this alleged debt to ensure this account belongs to me and is accurate.
Product: Debt collection

NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX {$1200.00} Balance updated XX/XX/2022 NATIONWIDE RECOVERY has placed a medical collection on my consumer report without my consent. I have not receive information that I could have disputed this debt. I saw it on my credit report and asked for validation and they have not provided the information requested. They have also refused to send letter of HIPPA release of my information which is against the law. I have not received any validation from National recovery. They have violated my consumer rights.
Product: Credit card

I opened a Care Credit account through my chiropractors office on XX/XX/XXXX. At the time, I was not informed that the account included a deferred interest promotion. No one at the office explained the promotional terms to me, and I was never made aware that interest would be retroactively applied if the balance wasnt paid in full by a certain date. 

In XX/XX/XXXX, I discovered over {$550.00} in interest had been added to my accountcovering the period from XX/XX/XXXX to XX/XX/XXXX. The following month, an additional {$37.00} in interest was charged. I sent a certified letter to Care Credit in XX/XX/XXXX requesting these interest charges be removed. I also followed up by phone, but was told my request was denied because I had signed the agreement and submitted a copy of my drivers license when I opened the account. 

While I understand that my signature is on file, I signed those forms because thats typically whats required to open a credit cardnot because I fully understood or was made aware of the specific promotional terms buried in fine print. In fact, if this promotion was such a major selling point, it should have been clearly and obviously stated. Instead, the promotion was tucked into small jargon that most people, like me, wouldnt reasonably understand during a XXXX XXXX visit. 

I feel misled. If Care Credit truly wanted customers to benefit from a deferred interest promotion, they should make the terms transparent and easy to understandespecially at the point of sale. For comparison, when I opened a XXXX XXXX credit card in the past, the interest-free promotion was clear, well-advertised, and fully explained, which is what motivated me to sign up. In contrast, the XXXX office staff do not work for Care Credit and were not trained or equipped to explain any promotional details. I simply needed a way to pay for my treatment, and signing the credit application felt like a necessary stepnot an informed financial decision. 

I am requesting that Care Credit remove the interest charges and allow me to pay only the remaining principal balance. These charges were based on promotional terms that were not clearly disclosed or explained, and I believe I was taken advantage of during a vulnerable moment when I was seeking medical care.
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 Account name : # XXXX, has violated my rights. 
I looked at my Experian report and noticed 3 late payments on my accounted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the account ending in XXXX this incomplete and inaccurate I looked at my Experian report and noticed 3 late payments on my accounted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the account ending in XXXX this incomplete and inaccurate 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.

15 U.S.C. 1681B ( 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit card or prepaid card

I received my unemployment on my NetSpend card I have for weeks and weeks it's never been an issue for me to get it don't have a card attached it and have tried several times to have a card sent to me they keep saying it's delivered yet my mother 's address has not received any NetSpend cards so every week I have to call and transfer money to a different NetSpend account I have that has a card attached to it this is never been a problem now all of the sudden because I had a disagreement with somebody in their call center I have to verify my identity I sent them a state issued valid identification card with the address matching my account any entire tax return from 2019 with my full social security number displayed as well as a bank statement with matching address as well still they refuse to give me access to my money I've given who I am they know without a doubt is my money so why does my address have anything to do with giving me my money the government put that money on there for me and somehow they think they can keep it please help me to resolve this issue without having to wait 2 weeks for a check in the mail when my bills were due yesterday thank you also, the card number I provided is actually the account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681, SECTION 602, I have the right to privacy.

USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent. 

USC 1666B, A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 

Volvo the lease is over car returned XX/XX/XXXX and they are reporting late. 
XXXX XXXX XXXX XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. 
XXXXXXXX XXXX during XXXX I had arrangements and all debt is paid and they continued to report. XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The 3 Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have applied for a hardship repayment plan numerous times. The first time information was sent to my home address. I signed the documents, provided the requested information, then mailed it back in. When I called the rep he/she stated, the department probably could n't read my documentation so my claim was denied. I requested the faxed number, and resubmitted the information, so that I was sure the information went through. I received the confirmation page, but never received any communication from Navient regarding the hardship repayment plan. My loan has been in forbearance while waiting for approval or denial. I will be calling again on XX/XX/2017 to ask more questions, because the forbearance has ended.
Product: Mortgage

I was prequalified for a jumbo mortgage through Better. Since my application, I consistently receive regular false communications in violation of TIL laws about a supposed guarantee regarding the rate. Whenever I try to reach out, I get excuses about the matter, but have stopped receiving the false statements about the guarantee via e-mail
Product: Payday loan, title loan, or personal loan

I have taken out loans through Rosebud Lending ( d.b.a. XXXX  ) in the past but I was unaware these loans are illegal in my state of Arizona where I am located. The interest on my loan is more than 500 %. I have already repaid the initial balance and interest ( more than 130 % of the original balance within 2 months ). I would like this loan to be voided since it is illegal in my state. I am not, at this time, seeking a repayment of the thousands of dollars I have already repaid under previous illegal loans.
Product: Mortgage

Ordered VA appraisal for purchase of a home and veteran loan. Have not paid appraiser. Will not communicate with appraiser. Per VA XXXX XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX INACCURACY : TRANSUNION OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPE  DATE : XX/XX/XXXX LAST REPORTED : TRANSUNION : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX INACCURACY : TRANSUNION OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX XXXX INACCURACY : TRANSUNION OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : TRANSUNION : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX INACCURACY : TRANSUNION OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPE  DATE : XX/XX/XXXX LAST PAYMENT : TRANSUNION : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX INACCURACY : TRANSUNION OPEN XXXX : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : TRANSUNION : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX INACCURACY : TRANSUNION OPEN XXXX : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : TRANSUNION : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX INACCURACY : TRANSUNION OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX LAST REPORTED : TRANSUNION : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX LAST PAYMENT : TRANSUNION : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX INACCURACY : TRANSUNION DATE XXXX : XX/XX/XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX  DATE OPEN : XX/XX/XXXX LAST ACTIVE : TRANSUNION DATE OPEN : XX/XX/XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX  DATE OPEN : XX/XX/XXXX LAST PAYMENT : TRANSUNION : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX I have already sent letters to the credit bureaus asking them to verify the debt on my report. They have sent back stating that everything is verified. My credit report is still showing inaccurate information. I took a closer look to see that numerous things were still incorrect. I have pulled my reports and see numerous inaccurate things. As well as saying different dates, and numbers on each credit report. This violates 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Collection : XXXX Balance : {$2000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX  Balance : {$150.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XXXX, XXXX My Suntrust Bank credit card received suspicious charges, so I contacted Suntrust card services by phone. The suspicious charge was deleted, and the card service employee suggested my card be discontinued and a new card issued to me. I told her that my wife and I had several credit/debit cards with Suntrust, so simply discontinue that card and that account, which ended in XXXX. She agreed to do so. No further statements were ever received by us regarding that account. 
Beginning XXXX, XXXX, Truist took over accounts of Suntrust due to merger, and immediately I received an annual charge of {$89.00} on the above referenced account. I WROTE a letter to Truist card services stating this was an inactive account and the card no longer existed.

After receiving two more statements, now with late fees, I CALLED Truist card services explaining that these were charges on an inactive account, and while explaining that she was showing the above account to still be active, told me Truist has a policy of NOT crediting annual charges. She said she deactivated the card ( the same thing I was told in XXXX of XXXX ). I've just received yet another statement with another late fee. 
This is an internal mistake by employees of the bank card services. I'm not paying fees on a credit card account which should NOT have existed as of XXXX, XXXX. Again, following our conversation in XXXX of XXXX, no further statements or activity were received by me, nor sent out from Suntrust Bank... the matter was closed.

Truist refuses to address this situation, but harrassingly continues sending me monthly statements plus late fees on a non-active account. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have accounts showing on credit file that I have disputed and disputed and refusal to remove These accounts are not mine I have provided the accounts from current online credit file
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I WAS A VICTIM OF THE XXXX XXXX BREACH FOUND OUT THAT THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX  at approximately XXXX XXXX  I went to PLS check in cashing to cash my {$5200.00} backpay check and the supervisor held my check for over an hour asking me why did the government give me this check for XXXX after I cash the check with them for XXXX and I let him know that this is my backpay From my XXXX which Ive been diagnosed with XXXX  so he told me to show him proof of the government sending this check to me which was kind of odd because he didnt ask me this when I cashed the {$600.00} check a week before so I asked him why do I have to show proof And he said why would they send you a check for XXXX a week ago and now theyre sending you a check for over XXXX I felt that to be odd too because that is my personal business so he told me that the only way that they would cash the check is if I can show proof that the government sent me the check or show paperwork of my dependents on why Im getting this check so I pulled up my Social Security account and showed him that Social Security sent me this check for the amount thats on the check he looked at it made a phone call took my check to the back and came back and said that his bank is denying me from cashing the check which was crazy because its a government check. This is what PLS do they cash government checks so at this time Im feeling that hes discriminating me and thinking that the check is fraud so I asked them to give me the corporate number so I can complain about the situation which I did and I told corporate that I was going to try another PLS and round the way so I went to a different PLS to cash the check The PLS clerk at this location was finna cash the check until the supervisor came behind her and took the check and said hold on And took my check to the back again and said that they were calling the bank but she didnt. She called her district manager so the district manager gets on the phone with me and asked me, why are they giving me a check for XXXX once again I let her know that this is a check from backpay from Social Security. She said OK the lady walked to the back they come back up to me and told me that the bank would not cash my check and Im trying to find out why other than that Im taking this as XXXX profiling by banking or discrimination, so can you guys please help me out with the situation?
Product: Credit card or prepaid card

What are you people doing? You sent me a notice saying you had a company response then you don't allow for me to read it. Complaint number XXXX. I have explained for 2 months these are not my purchases. I finally got the account closed. Now I was just notified by XXXX XXXX that they have reported me for being 30 day late on the account. This is a fraudulent billing and I have indicated I will not pay it, Ever. I need your help, not just a notification to the company. How do I stop this nonsense without you intervention?