23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 Experian XXXX  XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX Account XXXXXXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX 
Account XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX  Account Number XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
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

DEPT OF EDUCATION/XXXX  is stating the was late on the 5 account with the same account # XXXX. I will NEVER LATE ON THESE ACCOUNTS. 

Please provide method of verification of late payments and process used, I'm exercising my right under the Fair Credit Act as well. Please provide PHYISCAL PROOF of late payments as this information is not accurate. Fair Credit 611 Please correct payment history
Product: Checking or savings account

On XX/XX/year> I have filed a claim about a 5 times withdrawal that was not done by me on my account of {$300.00} total of {$1500.00}. XXXX XXXX, an executive officed handled the case. She issued me a temporary credit the day after while they are researching for a claim. The claim keeps on getting denied and the temporary credit was scheduled to deduct on my account by XX/XX/year>. I am ALWAYS stating that I DID NOT DO THE WITHDRAWAL. The only reason for denial is I authorized the withdrawal. Which I did not and that I dont have any atm that has been received on my possession when the withdrawal happen. 

This XXXX XXXX is always updating me about the case until XX/XX/XXXX came and the temporary credit was taken away from my bank leaving my bank to be overdrawn! 

This XXXX XXXX just keeps on prolonging everything and saying she has submitted the case to be reconsider and keeps on getting denied.

The claim keeps on getting denied with the same reason that I authorized the transaction WITHOUT PROVING IT.

I asked XXXX today, XX/XX/year> if they could give me back my money or the temporary credit because they are still reviewing the case right now for 10 days but she refused! She keeps on making me a fool!

I want that {$1500.00} money BACK PERMANENTLY.
Product: Debt collection

Genesis credit management Placed my personal information to the public with out my Consent or knowledge I request this be taking off my credit report I did not give permission nor did I agree.

I would like to see any suppose agreement they may produce. I have not given consent to share with XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX A XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In or about XX/XX/XXXX I got a home equity line of credit for {$120000.00} Account number ending in XXXX. 

The account was an open line of credit and transitioned into a term loan ending in account # XXXX In XXXX filed for Bankruptcy. 

Included in the Bankruptcy from XXXX was CitiBank account ending in XXXX XXXX XXXX XXXX & CitiBank has made several attempts after bankruptcy to collect via phone calls, voicemails, recorded phone calls, and via USPS mail in XXXX and XXXX. A lien is also on the title of my home and is in and of itself pressure and an attempt to collect on this discharged debt. This is harassment. do not call me as I am represented.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. I have reviewed my credit report and have noticed several inaccuracies that I believe are negatively impacting my credit score. The following accounts and inquiries are the subject of my dispute : XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX I dispute the above items for the following reasons : First, the XXXX XXXXXXXX Charge Off Account is inaccurate. I have never had any business or financial relationship with XXXX, and therefore can not have a charge off account with them. 

Second, the inquiries made by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX are inaccurate. I did not authorize these inquiries and have no knowledge of them. 
Third, the inquiries made by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, as well as the inquiry made by XXXX on XX/XX/XXXX, are also inaccurate. I have not applied for credit with any of these institutions, and therefore should not have any inquiries on my credit report from them. 
I request that you investigate these inaccuracies and remove them from my credit report. I also request that you provide me with a copy of the revised credit report after the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 
XXXX : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies provide accurate and complete credit reports to consumers. Inaccurate information can negatively impact a consumer 's credit score and ability to obtain credit. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request that it be corrected or removed. Failure to comply with the FCRA can result in legal action against the credit reporting agency. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a collection account reported by [ Name of Creditor or Collection Agency ] to the credit reporting agencies. I am referencing 15 U.S.C. 16, which deals with the improper or unlawful maintenance of credit information, to seek corrective action.

As per the guidelines set forth under 15 U.S.C. 16, I believe that this account was wrongfully reported, and I request the removal of this collection from my credit report. I have also included [ any supporting documents, such as proof of payment, settlement agreement, etc. 

Please investigate the validity of this collection account and, if necessary, request that the relevant credit reporting agencies remove this entry from my credit file. Kindly confirm in writing that the removal has been processed, or provide an explanation if the account remains on file. 

Thank you for your prompt attention to this matter. Should you require further information or documentation, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has let this problem go on Since XX/XX/2023. I told them the day of the event, that a fraudulent inquiry made on my account from XXXX XXXX XXXX I called the bank which confirmed to remove it and they will notify the credit companies let the credit companies knowthen I followed up with the credit companies. Transunion has failed to correct the error, I also received the letter from XXXX stating that the inquiry was fraudulent and should be removed, I still have the XXXX letter as proof, I put in two investigations with Transunion and and the inquiry still has not been removed for over 90 days im well within legal limits to take action against Transunion due to negligence. XXXX has Co-operated, Transunion has not. You cant keep a fraudulent inquiry on my account when the bank agreed it was in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) states 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. I have also been effected by the XXXX XXXX XXXX and have filed a complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, XXXX and Transunion letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, XXXX or Transunion consent to furnish this information which is a direct violation of my federally protected rights.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX in XXXX IL. I told them up front what I could afford XXXX a month of course they are car dealers it was XXXX a month when I left with gm financial. Of course I got behind but I set up 2 payments a month to catch up. But they did n't take the money. Once on one of my payments I put a stop pay because the money would not not be in the bank. I did call them gm financial and told them and reset up the 2 payments for the month. But then I got a call about not getting payments. I told them I have been sending 2 payments a month. Then she says oh it looks like we are flagging your a count because of a no pay. I told her yes but that I had already discussed that and it was to be ok. And I set up my payments again. So she says well you should do a volunteer buyback. Saying to me that it is not a repo. So I did everything I was to do but they did opposite of what they should of done. And they are still sending me a bill. When it was their fault. I want to sue them
Product: Mortgage

I applied for a payment deferment for my home mortgage as a result of the current COVID pandemic. XXXX XXXX XXXX will only provide a forbearance for 90 days and that at the end of the 90 days, a balloon payment for the entire amount of the payments not made within that 90 day period including the current amount due would be due, in my case, totaling over {$17000.00}. I told them I could not afford that and they said that is all they could offer. I have had the account for over 14 years, never ever missed a payment or made a late payment. They're structuring this so that consumers like myself will fail by forcing the balloon payment rather than extending the term of the mortgage an additional 90 days. Bank of America is extorting consumers and the banks actions will lead to an enormous amount of foreclosures because consumers who were forced into forbearance during this pandemic will not be able to make up those three missed payments all at once. This is criminal!
Product: Debt collection

I was involved in a wreck on X/XX/2012. Other party at fault. Had attorney to handle this matter. The day after the wreck I hired XXXX XXXX ( attorney, XXXX XXXX, MS ). Medical bills should have been handled through XXXX XXXX ( other party 's auto insurance ). <P/>Southern Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file.

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX   3. XXXX XXXX XXXX XXXX 4. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : XX/XX/2020 A hard inquiry was made by XX/XX/XXXX for your credit file. 
XX/XX/2020 A hard inquiry was made by TD/BANKUSA/TARGET CREDIT for your credit file. 
XX/XX/2020 ( qty=3 ) 3 soft inquiry was made by XXXX XX/XX/XXXX XXXX XXXX for your credit file. 

My credit was locked, I don't know what happened withXX/XX/XXXX. 


XXXX XXXX XXXX XXXX : Some One change my Mailing Address : Correct Mailing and Residential address : XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. 

fraud Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX I suspect someone at this address ( XXXX ... XX/XX/XXXX ) is involved in fraud.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent the investment firm.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XX/XX/XXXX and it was the first vehicle I received a loan for having purchased my previous cars in cash in full. At the time, my credit score was about a 670 and I was told by the dealership ( XXXX XXXX ) that I was being denied by lenders due to me not having a car loan on my credit report already and that despite my credit score not being bad, they denied me. It became a situation where as a single mother I felt hopeless and needed to purchase a vehicle to get back to work. I asked the dealer what options I have. He started out saying maybe instead of putting {$2000.00} down, the lenders would work with me if I put more down. After offering to put {$5000.00} down, the salesman said the lenders still denied me and he would reach out to one last financial institution ( which all of this could've been a scam between the two companies ). When speaking of purchasing the car, the salesman figured that my monthly payments would be around {$150.00} a month since I was only getting about a {$7300.00} loan, offering a sizeable down payment. He told me he would call me when the lender ( Lendmark Financial ) got back to him ( which may have been to discuss how to XXXX me even more and take advantage ). I received a call about an hour later saying there was good news and they would give me the loan. The following day, I went to Lendmark Financial to receive the loan and go back to XXXX to close the deal. Lendmark not only pushed a 60 month payment structure onto me, knowing I wanted 72, but they added on additional products, such as roadside assistance that they made to seem were a requirement and I'm pretty sure they are not and I already have coverage through my insurance carrier. By the time I was done, my payments were figured to be {$310.00} ( more than double of what I expected ) for 60 months, with an interest rate through the roof. For a {$7300.00} loan, Lendmark will receive {$18000.00} from me over 5 years, which is insane and outrageous. I tried to resolve the issue right there in person, but they made it seem as though if I did not sign the paperwork and listen to them, I would not receive my loan that I needed to get to work after my prior car was totaled. No one believes me when I tell them how high my payments are for such a small loan. My credit was not even poor at the time, they just told me my interest rate would be so high because I never had a car loan before which sounds like a load of lies to me. I made a desperate purchase being a single mother that has a long term negative impact on my entire life and would not recommend other people use their services. It seems predatory and should be illegal if it is not. I can send copies of any of the paperwork, if need be. I will voice my opinions about them on social media and other forms of outlets in order to help consumers in the area learn of the dangers of working with them and avoid being taken advantage of. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My husband has XXXX and has been out of work since XXXX XXXX and the loss od our daughter in XXXX as well. We have falling behind in our mortgage for XXXX, XXXX, XXXX and now XXXX. We have call Nationstar to and applied for a loan modification and was denied in XXXX XXXX. We not sure if we are in foreclosure yet, but we need you help. Our complaint is this company Nationstar is rude and will not work with us, they are trying to push us into losing our home. We called hope hot line and spoke with XXXX XXXX at XXXX our client number is XXXX and our mortgage rep told him no they want XXXX payments. 
Nationstar rep is XXXX XXXX XXXX ext XXXX we do n't no what to do. We been in do n't want to loss our home. My husband is sicken and cant sleep. we tried to make a payment yesterday XXXX XXXX, XXXX and it was reused. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX OF XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account, XXXX has violated my right to privacy Under the HIPPA law, A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX I noticed transaction on my account at night. The transactions posted the fooosing day on XX/XX/XXXX. I submitted a request to have my card frozen. The next day on XX/XX/XXXX I contacted the fraud team to let them know my card has been used for a total of {$5000.00} for XXXX transactions of {$1000.00}, {$2000.00}, and {$2000.00}. 

On XX/XX/XXXX I received a response that my claim was denied because I submitted the dispute AFTER the transaction occurred. 
This is not possible and it was perhaps because it was posted the same day I disputed.