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 XXXX XXXX XXXX XXXX has violated my rights. Or a 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 or other personal consumer reports

equifax is a dirty evil NON RESPONSIVE credit reporting company that has thoroughly screwed up my credit AND DROPPED MY FICO SCORES beyond repair!! I'm a XXXX person and a XXXX veteran, and made a serious complaint about XXXX XXXX XXXX, of XXXX, Minnesota, that XXXX XXXX AND EQUIFAX are intentionally misreporting my mortgage amounts, such that it looks like i never paid ANY amounts of the principle on my mortgage ( SHOULD BE XXXX NOT XXXX $ )!! 
When i reported this to equifax VIA THE CFPB, EQUIFAX OPENED, WITHOUT MY KNOWLEDGE OR CONSENT OR WRITTEN AUTHORIZATION, A DISPUTE ON MY CREDIT REPORT!! THE DEVELOPING WORLD CALL CENTER REPRESENTATIVE WHEN I CALLED AT XXXX XXXX ON XX/XX/23, WHO WAS A TOTAL UNRESPONSIVE JERK AND NON RESPONSIVE TO ME, REFUSED TO CLOSE EQUIFAX 'S DISPUTE THAT I DID NOT REQUEST!!
Product: Credit reporting or other personal consumer reports

I sent a certified letter on XXXX to each of the 3 credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX Account XXXX : XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX has dated opened as XXXX and XXXX XXXX Experian have it as XXXX - INCONSISTENCY! 
Another example is Reporting Date from XXXX is XXXX and XXXX XXXX Experian have it as XXXX - INCONSISTENCY! 
Another example is Credit Limit from XXXX has a {$0.00} limit, while XXXX XXXX Experian have it as {$280.00} - INCONSISTENCY! 
See attached Latest Credit Report dated XXXX for all XXXX credit reports. 
See attached compiled PDF of pages 6-7 of Credit Report showing XXXX XXXX Due to these inconsistencies this file must be deleted please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I requested from Capital one auto finance a COPY of my PAID receipts for the payments that were MADE from Years XXXX for the auto loan. I would like a copy of all receipts MAILED to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023. I attempted to use my credit for household purposes and was declined. When I audited my credit report after the embarrassing moment, I found the following transactions that where not made or initiated by me. I never gave written consent to the following companies XXXX, Transunion, and XXXX to furnish this information on my consumer report. 

XXXX 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 XXXXXXXX I've included a copy of a Identity Theft Report, screenshots of the accounts reporting on my consumer report, drivers license for identification and mortgage statement for proof of address.
Product: Credit card or prepaid card

I applied to Discover Bank for a credit card in 2018 after receiving a promotional offer for balance transfers and purchase charges of 0 % for 14 months. Discover Bank failed to honor their promotional offer, and began charging interest on purchase charges after 6 months. I called multiple times to dispute these interest charges and requested a credit back for them. Discover refused and suggested the promotional offer did not apply after 6 months despite the fact that it did. I requested proof of the original contract three times. Each time Discover promised to mail me the original agreement - and each time they failed to do so. I have attached to this complaint a copy of Discover 's promotional offer as it appears on their website today.

The interest charges on my account are currently approximately {$230.00} per month. While the amount varies month to month based on activity, at this time Discover has overcharged me by well over {$1000.00}, and will not refund or credit back the overcharges and refuse to honor their 0 % promotional offer for purchase charges.

Based upon Discover 's actions, they have improperly reported my account to the three major credit bureaus and are in violation of the Fair Credit Reporting Act. In addition, banks must send an interest rate increase notice at least 45 days in advance of the increase. This is a requirement of the Truth in Lending Act, a Federal law that protects consumers against lenders. Discover has violated this law by its failure to notify me of the increase in interest rate on my account.
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$330.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

During XX/XX/2023, I received a letter in the mail from Laurel Road  XXXX Key Bank, N.A. NY XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX ) saying that my recently opened ( XX/XX/2023 ) checking account ( ending in XXXX ) was going to be closed within the next 5 business days. They also said that any remaining balance would be sent to the account statement address in the form of a check. Therefore, I waited a few weeks, but the check never arrived. My online access was removed, so I could not check any status easily. However, based on the latest account statement, I knew the account had a balance of {$790.00} dollars. I ended up calling the bank, and they confirmed on the initial call that I was going to receive the check soon, however, after a few weeks it did not arrive. I called again, and now the customer service rep told me they need to receive a letter from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) so that the funds can be sent back to the original account where they came from, which would be also OK since that was the account of my husbands employer. Ive called Laurel Road multiple times, and they say they are still waiting for XXXX to respond to their letter, its been more than 4 months and the funds are still on hold. Laurel Road  says they cant do anything until they receive a response from XXXX. Therefore, Ive asked them to provide more information about the letter or a copy of it, so I can follow up with XXXX, but they say they can provide that information. Ive also called XXXX to inquire about the letter and the status of the request, but they cant find anything, it makes it difficult for me to recover the funds since Laurel Road does not want to provide a case number or a copy of the letter.
Product: Credit reporting or other personal consumer reports

XXXX information services 15USC.1681SEC602 A consumer reporting agency can not furnish an account without written consent or instructions. After reviewing the information from my report I found inaccuracy in the said acct ending in XXXX. Which is not mine. I disputed the account with XXXX XXXX in XXXX and the collection was removed to only re appear on XX/XX/XXXX after my
Product: Checking or savings account

Wells Fargo charges exorbitant overdraft fees per item. I have asked Wells Fargo on numerous occasions to remove the overdraft protection from my account and was advised by an agent that I should just cancel all of my automatic payments because they cant control which one will get paid or declined. Had Wells Fargo actually completed my request I would not still be receiving numerous fees of {$35.00} each. just this week alone I have been charged {$100.00} in fees and a total of {$420.00} for the first 9 months of the year.
Product: Mortgage

My insurer XXXX XXXX- has sent a fax at least XXXX times with proof our insurance policy has wind protection. NewRez Mortgage has assigned us " Lender-Placed '' insurance for wind damage. I have called and tried to take care of this myself and have been unable to resolve this issue. 

For what it is worth- this company was already sued in 2019 for forcing people to get unnecessary insurance for wind, for, etc.
Product: Credit reporting or other personal consumer reports

Greetings. I am submitting this complaint as a follow-up to my recent grievance, conveying my urgency earnestly. I am certain that none of these inquiries were authorized by me, and the associated addresses do not belong to me. For your convenience, I have itemized the details below and reattached my FTC report with the reference number # XXXX : -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

XXXX XXXX a loan officer representing " Mortgage Solutions of Colorado XXXX LLC '' provided false hope and committed fraud to underwriting, by giving them an income I never had and never would achieve ( just over five grand monthly ) on a loan he knew would never move forward. He lied to myself, underwriting, my realtor, XXXX XXXX, and the sellers agent, XXXX from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediatelyNon-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.The allegations appear to be inaccurate. Please provide accurate and verified information for each claim or we will have no choice but take legal action against you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

I have spoke with this company and have tried to settle and the refused and also asked them to stop contacting me with phone calls and letters. They continue to do so. 
I have received a letter last week about a settlement offer. 
They have continued to call me after I have asked them not to. 

I also called and wanted to just pay XXXX dollars towards it as that was what I had at the time and they forced me to get into a payment plan even after I said I didn't want to be in one and just wanted to pay as I could. 

They continue to threaten suing even after this as well. 
This is also not the original owner of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my report and have found fraudulent items located on my report. I have been a victim of fraud recently and believe this information is a result of the fraud. I need the fraudulent items blocked immediately!
Product: Credit reporting or other personal consumer reports

Experian is reporting a negative account from XXXXXXXX XXXX on my credit report. This account and balance do not belong to me ; it is a case of fraud or identity theft. I have attached Letter # 4 from XXXX XXXX, which confirms this and requests the removal of the account. Please remove this invalid account as soon as possible.
Product: Checking or savings account

BANK OF AMERICA is a horrible company. They closed my account without my permission. I have complained to BANK OF AMERICA and it 's agents over and over again about closing down an account that should have been closed down. I was hit with over draft fees because I did n't put money in the account. I did n't put money in the account because it should have never been opened up in the fist place. Now they have forced closed my accounts that should be open and kept open the one that should have been closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware Equifax is using an elaborate mechanism to investigate and verify Tradelines on my consumer report. Which is in fact a violation of my consumer rights. Pursuit 15 USC 1681 ( e ) investigative consumer report clearly states the terms to establish proper investigation.
Product: Credit reporting

My Credit Score for Equifax XX/XX/XXXX was XXXX. My Current Credit score is XXXX. My wife 's current credit score is XXXX. For XXXX my Credit Score is XXXX. My Score XX/XX/XXXX was XXXX. My wife 's current credit score is XXXX. We have EXACTLY the same items on our Credit reports, my report took a huge nose dive from XX/XX/XXXX to XX/XX/XXXX. The only difference between the two months is XXXX extra credit card, that 's neither delinquent nor is there a balance on it. I less than XXXX % credit card utilization, and I 've never missed a payment on anything. I ca n't get anyone to explain it to me either. This is costing me a lot of money. You should be able to just ask why scores are the way they are, rather than have this cloak and dagger! I need someone from both to explain what is going on, and why. 

FYI, I put down Information is not mine because that 's the only thing that even came close.
Product: Student loan

Hello, My PSLF application was submitted to MOHELA on XX/XX/XXXXXXXX. It was confirmed receipt by MOHELA reps on two separate phone calls and the fax confirmation as well. The first call the representative confirmed receipt and said the log in information would be mailed within 90 days of XXXX/XXXXXXXX 

On the third phone call in XX/XX/XXXXXXXX  it was simply stated there is no timeline to even receive a log in to check on the status of processing. XXXX XXXX, my current loan servicer, confirmed nothing has been received from MOHELA
Product: Checking or savings account

My account was closed against my will. I had just purchased a new business, and funded both XXXX personal account and business account with monies from a LOC to be used as working capital. Without warning, chase closed both my business and personal accounts and it's currently holding my money. They've repaid my business balance but my personal account had over XXXX $ in it. I have yet to recieve those funds. It's been over a month.
Product: Debt collection

Representative called to established a new monthly payment. I advised i can only do XXXX $ a month, he stated it has to be XXXX or {$100.00} a month cause they could not do bi weekly payments. He stated he was going to continue with the previous balance of XXXX XXXX please sign the docusign immediately. Ok that does not sound accurate as i have made previous payments. I never signed the docusign with the proposed new amounts. They have over drafted from my account {$220.00}. How can they do this? I did not authorize the payments. None of the payments. Nor signed any documents pertaining to them taking the funds from my account, causing it to be overdrawn. i can prepare the bank statements and provide the previous docusign as the one has expired. just tell me where to send what i have. thank you or i can provide the url and info so you can ask them to send you their most recent request. they are not being fair with their documentation nor collection attempts.
Product: Debt collection

I contacted LVNV funding about XXXX yr ago and told them that this was NOT my credit account. I was told that it would be removed. As far as documentation goes, I only have a collection letter from them and NO other documents. Im not sure who opened this account, all I know is that they lived/lives in XXXX, XXXX Ive never lived in XXXX. Ive lived in XXXX, XXXX when/since/always this account was opened. I DONT know exactly how to get this removed from my credit report. Please advise me. 
Thank you.
Product: Student loan

Student Loans were consolidated on SAVE plan and should be on administrative forbearance with MOHELA. MOHELA XXXX has not provided accurate information about current balances due as the amount keeps changes. 

XXXX had my student loan of {$8000.00} that consolidated and transferred to MOHELA and now that amount is {$30000.00}. 

XXXX had my student loan of {$40000.00} that consolidated and transferred to MOHELA and now that amount is {$60000.00}. 

Monthly due payments keep changing and now Im past due but as I stated I should be on administrative pause/ forbearance for SAVE. 

Lastly, after my student loan get fixed with accurate information, all student loans shouldve been forgiven back in XXXX.
Product: Credit reporting or other personal consumer reports

I disagreed with the account listed below which still appears on my credit report even after your investigation. I would like these items to be immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX  ( Account numbers : XXXX, XXXX, XXXX ) In accordance with The fair credit reporting Act public law 91-506, tittle VI, section 611 subsection A-D. Please provide the names and businesses addresses of each individual with whom you verified the above so that I may follow up. Please send me an update copy of my credit report after your reinvestigation.
Product: Debt collection

I do not owe anything to this company. I have not sign any contract with them. 
I am a consumer and this is illegal. This is a medical bill and my right have been violated.
Product: Vehicle loan or lease

Paid the car off and sent odometer statement..they drag the process out asking for statements again after i overnighted the documents. I want my title
Product: Debt collection

First The say The original creditor was a company called XXXX or XXXX. Have never had any kind of loan through either of the companies. I have never signed with either of them. The letter states " This debt is too old for you to be sued on it in court as the statute of limitations has expired, and you ca n't be required to pay it through a lawsuit. ''
Product: Credit reporting or other personal consumer reports

I AM HIGHLY DISAPPOINTED THAT THESE FRAUDULENT ACCOUNTS ARE STILL REPORTING ON MY REPORT. AS YOU ALL CAN SEE I HAVE ATTEMPTED TO GET THESE ACCOUNTS REMOVED AS I AM A VICTIM OF THE XXXX AND EXPERIAN BREACH. THIS IS VIOLATING MY CONSUMER RIGHTS PER FCRA LAW. I HAVE ALSO FILED A FTC REPORT TO LET YOU ALL KNOW THAT I AM AND IDENTITY THEFT VICTIM. THIS HAVE PREVENTED ME FROM BUYING A HOME AND ITS ALSO A DEFAMATION OF CHARACTER. AS AN CREDIT REPORTING AGENCY, YOU SHOULD BE PROTECTING MY INFORMATION AT ALL COST. PLEASE REMOVE THESE FRAUDUALENT ITEMS SO I WILL NO LONGER GO THROUGH EMOTIONAL AND FINANCIAL STRESS.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX