23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As

a victim of identify theft there are invalid inquiries on my report. US SM BUS ADMIN  XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME. THESE INQUIRIES ARE REPORTING WITHOUT MY KNOWLEDGE AND THEY ARE DUE FOR REMOVAL.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I am submitting this claim myself and no third party is involved. 

I, XXXX XXXX, natural person, and creditor of an open ended credit plan was denied my right of credit by COMENITY CAPITAL BANK. I was notified of this transgression of my rights, specifically XXXX XXXX XXXX XXXX, by COMENITY CAPITAL BANK XXXX XX/XX/2021 via U.S mail. 
According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by COMENITY CAPITAL BANKs adverse action taken against me. 
COMENITY CAPITAL BANK admitted to using a credit scoring system that assigns a numerical value on information in my credit report. COMENITY CAPITAL BANK admitted XXXX the credit reporting agency advised them to share my private info via my credit consumer report. 
According to 15 usc 1602 ( p ) XXXX never had my permission to allow COMENITY CAPITAL BANK to view my non public private info ; in result I received no benefit from this credit transaction. 
COMENITY CAPITAL BANK adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( XXXX ) are up to XXXX. COMENITY CAPITAL BANK is now civilly liable to pay me for the damages.
Product: Credit card

I applied online for the Citi Prestige credit card on XX/XX/2016 using a link on the Citi website that offered XXXX Thank You Points for spending {$3000.00} in the first 3 months after account opening. I was approved on XX/XX/2016. I was incentivized to apply because of the generous bonus offer and would not have applied otherwise. I spoke with a Citi Representative on XX/XX/2016 who confirmed my approval and the terms of the XXXX bonus offer. I have since satisfied the offer requirements, but have been awarded only XXXX Thank You Points. Citi now denies that there was ever a XXXX Thank You Points offer available on XX/XX/2016. This is a flat out lie. Although I can not provide evidence of the XXXX offer web page because Citi has since removed it, any XXXX search for such an offer will confirm that what I am asserting is true. In fact, the Citi XXXX point offer was available until XX/XX/2016. Citi engaged in bait and switch. It is unacceptable for Citi to continue to defraud its customers. I demand that I receive the points I am entitled to, the points that I was led by Citi to believe I would receive, and the points that incentivized me to acquire the card and complete the spending requirements to Citi 's benefit. I will not let this go.
Product: Mortgage

I GOT A RECAST AGREEMENT FROM MY LENDER, AND I NOTARIZED AND RETURNED THE CONTRACT AND THUS FAR THE LENDER HAS YET TO ENFORCE THE THE AGREEMENT
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any wrong accounts from my credit report. Can you inspect the documents? Some accounts listed have incorrect reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

these credit inquiries were unauthorized and fraudulent. Please remove from my credit report. XXXX XXXX, XXXX, XXXX, Factual data consume XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the FCRA and as a federally protected consumer I am opting out of any authorization, I previously gave you written, unwritten, verbal nonverbal, or implied. As per 15 US C 1681A reporting transactions and experience between a consumer is illegal. A per 15 USC 1681B they were not given consent to furnish my information. 
XXXX furnish my information for third-party. Also without my consent XXXX XXXX  original creditor XX/XX/XXXX reporting balance of {$3300.00} Furnish my information to XXXX XXXX XXXX for debt collection and the amount of {$3300.00} I do not conduct business with XXXX XXXX Nor did I submit any contract with them? also XXXXXXXX XXXX is reporting {$580.00} balance, open date XX/XX/XXXX on a collection which is considered a certificate of a indebtedness which is considered income and income can not be reported this this is Security fraud please investigate
Product: Mortgage

We submitted a loan modification application on XX/XX/2017. The lender said they refuse to open it for review because the file is incomplete and its within 37 days of the scheduled foreclosure sale date. However according to recent changes in in foreclosure & bankruptcy servicing a servicer is required to perform an expedited review if the application is submitted within 37 to 15 days of a foreclosure sale.
Product: Student loan

I have submitted a complaint about my lender in the past. They sent a letter indicating that everything was resolved, but they did not resolve everything. They actually have a payment being owed for {$90.00}. I do not owe a payment if my student loans are in deferment. School starts again tomorrow. We just got out of school on XX/XX/year> for our XXXX break. I attached the enrollment verification from XXXX. I can submit the enrollment verification for this semester if needed.
Product: Debt collection

Remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX Open Date : XXXXXXXX XXXX XXXX Balance : {$0.00}. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to remove account from my credit report and they didn't remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information does not belongs to me
Product: Credit reporting or other personal consumer reports

Im filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, with out providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a reasonable investigation of dispute. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.ss 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding
Product: Money transfer, virtual currency, or money service

I was involved in a rental occupancy scam on XXXX XXXX, I sent out payments to who I believed was the homeowner in good faith, was giving a lease to move into the property and found out on XXXX XXXX that I was a victim of a rental occupancy scam. I have a police case XXXX with the castle hills police department. I also filed a scam fraud report with the XXXX, FBI, FTC, and the attorney general. BoFA sent me a denial letter without asking for any supporting documentation about my open investigation. I am a victim of a fraud scam how can you deny my claim without asking for proper documentation.
Product: Credit card or prepaid card

I have had my XXXX XXXXXXXX credit card through Bank of America since XX/XX/XXXX. Prior to XX/XX/XXXX I have had no issues with the auto pay function on this credit card. I pay the full balance every month using auto pay since I opened this credit card. In XX/XX/XXXX I was informed that I had not payed my minimum balance and my overdue balance would be sent to a collection agency per the call I received from Bank of America, of which I received many during a work day in which I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I asked the caller if this could wait until I was off work she informed me that the debt would be sent to collections if I was unable to pay at that time. So, despite the critical nature of my job and the public setting in which I was in, I had to confirm the caller was legitimately from Bank of America and upon checking saw that my auto pay settings were no longer in effect, an issue which the Bank of America representative could give me no reason for. In the middle of my workday and in a public space I had to then provide my banking information to ensure that my full balance was cleared. I was told this would take several business days to process. 

Several days later I received an email from Bank of America that I still had an outstanding balance. I then went online and saw none of my information was updated and had to again put in all my banking information and set up a payment for the current full balance. The next day I called Bank of America to confirm they had received my payment, they informed me, yet again, that they had not and I had to speak to a representative giving my banking information yet again. I informed them of the strange circumstances of my auto pay settings no longer being in place and they said they would waive the interest and late fee. The next day I find that Bank of America had charged me twice, totaling nearly XXXX dollars. I promptly called Bank of America and was informed that I could not get my money back for at least five business days and at that time a check would have to be mailed to me for nearly XXXX dollars. I stressed the importance of this double charge being an error on their end after an initial error concerning auto pay that was putting me in stressful financial situation. The Bank of America representative recognized my concerns but was unable to help me get my money back at that time. I proceeded to continue to use that credit card to use up the negative balance at which time I was planning to cancel the card due to the multitude of errors. Then in XX/XX/XXXX I was again charged twice the amount of my total balance. I bringing this recurrent double charging performed by Bank of America and the ongoing auto pay malfunction issue to consumer finance 's attention.
Product: Vehicle loan or lease

I have an auto loan with ally auto and since updating the app which I used to pay and view my account no longer shows my truck but still shows the other loan I have for car. I repeatedly asked for a statement in mail which they have not sent or fixed issue with app. I'm also almost done paying for truck, and I have also sent more then which was owed monthly and it was not applied properly I believe. I think they apply it towards interest instead of principal balance. Also after reviewing my original contract it states it's a simple interest loan. Also when I first purchased the truck in 2015 I've just noticed that when I cancelled the extra things the dealership sold me service contract etc. those funds weren't applied properly and also the amounts are incorrect I believe. I dont believe they ever had me sign an accurate contract with the correct payments and the cancelled extras they sold me which I cancelled within a day or so of purchase, although I have proof of all the cancellations I had and were supposed to be deducted off what I was financing.I have called ally auto several times over the last 3 weeks or so and they tell me the same thing and also couldn't even tell that it was the fourth time I called. They also said no payment was do this month cause of my over payments which they just deduct off next payment instead of applying toward principal. I've asked for a statement and they tell me it was sent and cant generate another. I cant access my account online to cancel online therefore their system hasn't been sending statements since they told me its automatic and they cant access it. The reps you call are scripted and of no help.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit XXXX XXXX OF XXXX Account # **** is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX OF XXXX Account # **** is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

account closed over 7 years please remove asap
Product: Bank account or service

I had my debit card stolen on XX/XX/2017, on my birthday, and woke up in the morning to find that my bank account was drained of all its money, over {$1900.00}. Chase Bank gave me a temporary credit for the amount, but even though I provided a police report and that they money was taken out one minute after the next at a XXXX at XXXX, Chase reversed the credit and will not refund me the money that was stolen. Due to that reversal, my mortgage payments were cancelled and now I am at threat of being foreclosed on. Chase Bank will no longer assist me on getting my money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Product: Debt collection

After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling XXXX, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

Have repeatedly reported that company has lost financial information in disputes for past 12 months and have each time been ignored by credit reporting agency. If they looked they might find it very odd that the final charge off was XXXX after the original balance was XXXX and the account has been open since XX/XX/2020. The multitude of missing payments have Left an account costing more than the original balance and yet that didnt seem suspicious to agency. When given the correct amount that company attempted to hide they went in and added a new pay down amount from prior repossessions of vehicle ( that came after incorrectly posting payments ) even with the update the final balance did not change and they company still is asking for a incorrect Balance. Balance owed shows {$2600.00} before company manipulated data and attempted to delete information. Company has also ignore emails after asking for that to be the form of communication so to lying over the phone
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not have the account number for the last two accounts, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : the 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 relative to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES INC claim i owe them a debt i don't. 
I have no agreement with them the information they are providing is incorrect such as the amount owed an the account number are not correct This is negatively affecting my credit with the wrong information.