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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of XXXX XXXX 
XXXX XXXX is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from XXXX XXXX and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made XXXX  attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered XXXX  obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open accounts and request corrections. Follow-up communication was initiated to inquire about the status of the correction process. Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays. Additional attempts were made to escalate the matter within your organization, seeking a more expedited resolution. Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timelyand satisfactory resolution to be implemented to rectify the inaccuracies in my records.Please help me correct the following accounts : XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX ; XXXX XXXX XXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage loan was sold several times last year when I feel behind due to an job injury and I was on XXXX. My current mortgage lender consistently records my payments as XXXX days late, when I am not. I have been caught up on all my payments for the last 6 months but they are still recording errors and they wont change them. If I dont pay my mortgage by the end of each month before the 1st, I will get a notice from he following week, along with a credit counseling package stating that I am now past due. I have until the XXXX of ever month to pay my mortgage until i am technically late, so I shouldnt be receiving any threatening phone calls or debt packages until then. They also dont update their entries to the three credit boards in a timely manner. My credit profile still shows that I am delinquent when my account is current. I have filed numerous complaints with the 3 credit agencies to correct the information but my lender will report that its correct per the FCRA. Which it is not! This is effecting my credit score. I wont to stay current so I can refi my loan and switch to a better mortgage lender!
Product: Credit card or prepaid card

My google XXXX store account was hacked. Google allowed unauthorized access to my Goggle XXXX  store account and as as result unauthorized purchases and wire fraud occurred Google XXXX Store insulated itself from the incident by not providing a phone number to reach anyone regarding the fraud and has set up road blocks to making it impossible to remover the charges.. 

I was charged over XXXX from XXXX XXXX.
Product: Checking or savings account

My account has been compromised and my funds are not available in my account or deposits shown on my account suspected fraudulent activity. My social security number is XXXX My card number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Around XX/XX/XXXX I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX. The letter states there client Pendrick Captial Partners has purchased my debt from XXXX XXXX  and they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by XXXX XXXX on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX XXXX XXXX responded with a XXXX  document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to XXXX recovery with a copy of the receipt to XXXX XXXX showing account was paid in full on XX/XX/XXXX. I requested XXXX XXXX to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, XXXX XXXX sent another letter. This letter was similar to the original letter. XXXX XXXX never acknowledges receiving the copy of the receipt showing paid in full. XXXX XXXX is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately - Legal Reference to Georgia FCRA Identity Theft Fraud Laws Dear CREDIT MGMT, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as per Georgia state regulations, particularly Sections 10-1-910 and 10-1-912 of the Official Code of Georgia Annotated ( OCGA ), which outline identity theft fraud laws. 

It has come to my attention that CREDIT MGMT Account Number : XXXX has been reporting information to my credit report without obtaining my explicit consent. Under federal and Georgia state law, including the FCRA and the Georgia Identity Theft Act, such reporting activities without consumer consent are unlawful. 

I have not provided consent for CREDIT MGMT Account Number : XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, subjecting me to potential damage to my creditworthiness and demonstrating disregard for both federal and state laws. 

I demand that CREDIT MGMT Account Number : XXXX immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by relevant sections of the FCRA and Georgia identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including the Georgia Identity Theft Act. 

Obtaining consent is not a choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations aimed at protecting consumers from unauthorized and damaging credit reporting. 

I expect CREDIT MGMT Account Number : XXXX to rectify these violations promptly and respect my rights under federal and Georgia state laws. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Edited
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to Reinvestigate & Delete Accounts Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$420.00} XXXX {$500.00} XXXX XXXX {$310.00} XXXX XXXX {$530.00} XXXX XXXX {$150.00} XXXX XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

Have inquiries from One Main Financial. I dont recognize them. Im afraid my identity has been stolen. I keep getting multiple class each day from different countries and keep getting spam emails. I want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute a specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this remaining erroneous account immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from XXXX bank from time to time. It shows that someone opened an XXXX account and then request an increasing the credit limit to {$10000.00}. But XXXX is saying that there is no activity going on in my account. Someone changed the address in my account and spend {$5700.00} from my account. That's what it shows in my experian account. But I never opened any account.
Product: Credit card

Discover Card sent me a letter saying I have been over my limit a couple months in a row, and because of this, they are increasing my minimum payment amount within the next 60 days. I am not past due and have not been past due. I thought credit cards stopped charging over limit penalties, they should just decline the charges.
Product: Mortgage

Misinformation on forbearance period. Paid up & was told was paid until The first of the year then charged a XXXX late fee for XXXX when i was told after making the forbearance payment it was paid until the first of the year. 
Issues having payments applied to the account not reflecting correctly or taking weeks if not longer to reflect only to charge us a negatively impact credit score.

Previous late payments were due to my husbands loss of job which I applied for hardship for prior to forbearance. Did not reflect that a was ultimately charged late fees & reported to our credit negatively while in forbearance period.

Thank you
Product: Mortgage

Bank Of American employees asked for documentation that was not needed and placed their name on my insurance Policy before the loan was processed and closed. They asked for proof of every Bank Account I owned, all Stock I owned and copies of all property ( Houses ) I own and the submit it with 3 days. My home has over XXXX Dollars worth of equity in it to secure a {$50.00}. Loan. I have Good Credit. I did apply to buy a New Home and they were informed by my Insurance Company XXXX I own other property and assumed I wanted to buy a new house. My letter of intent stated to pay off 2 high interest credit cards with BOA and Home improvements. I could have lost my entire estate for their actions. They did not have the right to place their name on my Insurance Policy or request information on other property to attach their names to Insure the Loan. This is Discrimination in the worst form to Steal from a XXXX XXXX. I was told they needed this information to prove I was not hiding money. I have copies and Names of the employees involved in the plot to steal my Estate from me. My children could have lost my entire Estate and BOA would have taken my Estate or received Insurance money if I died or defaulted on the Loan.
Product: Credit card or prepaid card

XXXX charged {$97.00} for a car rental to card on XXXX XX/XX/XXXX, but car rental not used. Contacted XXXX via email and 'phone with no resolution ; put me on hold and then disconnected. Identified this spurious charge to my credit card to Barclays in XX/XX/XXXX. Barclay 's  initially removed the charge, but later re-entered the charge because XXXX said the charge was valid. For over a year I have sent multiple FAX 's to Barclays and several letters all with the same message - if tBarclays is determined that the charge remain on my account then refund the last annual fee and close the account. In Barclays last letter to me, XXXX XX/XX/XXXX they indicated I have to call to resolve this matter. I called on XXXX XX/XX/XXXX and an automated answer indicated no agents are available and then hung up. 
Incidentally, the account balance is XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The credit card is from the bank BBVA. 
Fraud resolution number is XXXX and the second one is XXXX. 

Ive spent hours with them on the phone trying to resolve the fraud issue I've repeatedly been told its been solved and the next day i get a call from them asking for payment again and again day after day 52 days Account passed due. The amounts are XXXX XXXX plus the late fees issued by them and interest charges. They are horrible to attend the phone and Ive been hanged up by them serval times as well. Please help i dont know how else to approach this issue.. they are going to destroy my credit score.
Product: Debt collection

This company has attempted to collect a debt not owed. I have tried to contact this company multiple times to fix this issue without success.
Product: Money transfer, virtual currency, or money service

I am another victim of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.
Product: Credit reporting

Equifax says you can dispute the accuracy of the info in your credit report online, and I have provided, every which way to Monday, the info they are requesting to do but, keep getting and error message and/or a message that they " are unable to process [ my ] request at this time. '' This has been going on for over a week, over 30 attempts with the same type of response, so you really are not able to get your report and dispute the items online as advertised.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I summited factual dispute to the three credit bureaus about inaccuracies with the following accounts and pointed out the violations on my credit report. 

XXXX XXXX # XXXX account is being reported as charge off from XX/XX/XXXX until XX/XX/XXXX. Reporting charge off even after account was paid and closed. 

XXXX  # XXXX this account is reporting on my credit report beyond the statue of Limitations. 

XXXX XXXX  XXXX # XXXX this account is reporting on my credit report beyond the statue of Limitations.
Product: Debt collection

Back in XXXX of this year, I had a XXXX completed at XXXX XXXX XXXX. At the time of the XXXX, I paid {$30.00} on a credit card toward the bill. Since then, XXXX XXXX has not tried to contact me regarding a remaining balance. 

On XXXX/XXXX/2016, I received a letter from Venture Financial Services. They state I owe {$31.00} to XXXX XXXX XXXX XXXX XXXX. Because the bill is not itemized and the date the services were incurred was not listed on the bill, I can only assume it is related to the XXXX. I am not willing to pay this bill unless Venture Financial provides me with an itemized explanation for the charges which demonstrates I owe {$31.00} above an beyond the {$30.00} already paid back in XXXX. I am also concerned that XXXX XXXX did not process my {$30.00} payment correctly, primarily because they were undergoing a computer system change on the day of my appointment. The problems they were experiencing delayed my appointment considerably and this can be verified through their coordinator at the XXXX XXXX XXXX XXXX location, because I lodged a formal complaint about how disorganized they were on the day of my appointment and communication about my XXXX following the appointment. I am including a copy of my receipt from XXXX XXXX for your records.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). 

I demand account removed to prevent further Identity theft of personal information.