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

I've reported to the major credit reporting agencies that my identity was compromised and without any physical documentation in which was requested they still mis reporting these unauthorized fraudulent accounts on my credit file. I'm requesting that these accounts are removed immediately and blocked from my files. These accounts shall be removed. 

1. XXXX XXXX {$580.00} 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of ED/ XXXX {$3800.00} 8. Dept of ED/XXXX  {$3700.00} 9. Dept of ED/ XXXX {$2200.00} 10. Dept of ED/ XXXX {$1800.00}
Product: Mortgage

Newrez LLC simply can not process my mortgage correctly. Per their automatic payment system, I can send in more money than required to satisfy the mortgage and the balance of the overpayment will go to principal. 
My current monthly payment is {$1400.00}. I am sending in biweekly payments of {$1900.00} with the express intent that the interest and escrow be paid with the balance going towards the principal. 
In the month of XXXX there were three withdrawals made totaling {$5700.00}. The interest was {$110.00} and the escrow was {$560.00} leaving {$5000.00} to be paid towards the principal. The last payment of {$1900.00} was left in a " Unapplied Payment '' status so I started a chat session with a customer service rep that said she was going to apply it towards the account. A few days later I checked my account payment history and there are a series of bizarre and bewildering transactions that make little sense to me, and it ends up with the principal balance being incorrect. The balance of the mortgage at the beginning of the month was {$53000.00} so after paying {$5000.00} towards the principal, the current principal balance should be {$47000.00}, but they have it at {$48000.00}. 
They claim that they have up to 30 days to respond to inquiries which is completely unacceptable to me when I'm discussing something as important as my mortgage and would like to find a better solution to pay off my mortgage ASAP.
Product: Credit reporting or other personal consumer reports

This credit reporting agency is reporting inaccurate information. I am a victim of Identity theft and have reported this to the bureaus sent in the documentation and nothing has happened to resolve this matter. I have attached the identity theft report with misinformation and accounts opened fraudulently.

According to the FCRA, Information shall not be furnished without my written consent. No one has my written consent to furnish inaccuracies that result in negative items being added to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act acceptance now 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: Bank account or service

I used my Chase debit/ATM card in XXXX to withdraw cash in local currency XXXX XXXX XXXX. Upon returning, I discovered that Chase charges three percent ( 3 % ) of the withdrawal amount as a fee surcharge. This is on top of whatever Chase is making on the exchange rate. I do not begrudge a bank making money. But three percent ( 3 % ) is outrageous. There should be a warning when you make an overseas withdrawal that you will be charged three percent by Chase. This would allow the consumer to decline the transaction and avoid the fee. When I called Chase to complain, they told me that the 3 % fee was in the credit card service agreement and they were unwilling to reverse these charges. The only reason not to warn the customer is to hide or obscure this fee because almost no one would pay it were they aware of it before incurring it. The technology exists to advise the customer of this fee in real time on the screen as the withdrawal is in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act US SM BUS ADMIN ODA has violated my rights regarding a hard credit inquiry posted on my Credit Report 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.
Product: Checking or savings account

My credit union ( America First ) has started offering a premium checking account for an additional {$6.00} per month. 

Rather than allowing customers to opt into the premium checking, they automatically put everyone into the premium checking and you have to call to opt out of the plan or get charged monthly. This is REALLY shady!!
Product: Credit reporting or other personal consumer reports

Improper information and Inquiries in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with equifax via BBB on XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As of XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XXXX the account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XXXX and as of XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how equifax " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor equifax. And it is obviously wayyyy beyond 30 days. Equifax continues to stall vs remedying the situation. I received a statement that their was an " unauthorized third party ''. What and whom is this third party. At this point I am ready and willing to seek legal counsel again equifax for every violation. Because once again equifax has chose to ignore my request
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have ASSUMED a vital role pursuant to 15 usc 1681 ( 3 ) of my consumer reports and has been violating my privacy without my consent pursuant to 15 usc 1681 ( 4 ) & 15 usc 1681b ( a ) ( 2 ).

As for identification I only have my Driver License which is the only identification I need pursuant to 15 usc 1681i ( a ) ( 3 ) ( C ) ( ii )
Product: Debt collection

Calls are coming from Citi card services. I have been in touch with them at least 4 times within the last month advising them of my financial difficulties ( I am out of job ), that I am making payments whenever I get any money and that I understand my obligation to paying my overdue balance. I made a payment this weekend. At XXXX XXXX Monday morning and today again at XXXX, I received robocalls advising me to call them regarding my financial situation. I then received calls from the same number at XXXX XXXX Monday and today at XXXX, I was in job interviews at these times and could not answer the call. No message was left to call. As I was filing this complaint ( XXXX ) I got a call from the same number. I said Hello 3 times before somebody finally spoke and identified themselves as being from Citi card services and that I had not made any payments recently. I explained to the woman that I had made a payment over the weekend and advised her of everything I have written above and advised her that while I was aware of my debt. Calling me at midnight every day in addition to the other calls was harassment especially since I had been in touch with their company repeatedly to address the matter. I advised her that I was filing a complaint with the CFPB. She said that she would put me on their do not call list. I stated that I was still filing the complaint She laughed and said that she had n't called me all those times. I asked for her name and employee ID. I had to ask her at least 4 times to repeat her name and ID as she kept saying it as fast as she possibly could. She gave her name as XXXX and her id was XXXX. She said " Bye '' and hung up on me.
Product: Credit reporting

My address on file with Equifax has a typo in the street name and I have submitted the requested documents that Equifax requires to update personal information. Equifax is stating it can take 30 days to update personal information. Currently no creditors are able to access my credit file with Equifax due to the typo in my personal information. I am unable to resolve this issue with Equifax and I would like the CFPB to assist.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and dissatisfaction with how XXXX, XXXX, and XXXX as consumer reporting agencies, have handled my private information. As a federally protected consumer, I believe that my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and the Right to Financial Privacy Act ( 15 USC 6801 ) have been infringed upon.

Under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Additionally, 15 USC 6801 establishes the explicit policy that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to uphold customer privacy. The companies listed in my FTC report have violated there terms and conditions under the privacy act of 1974. 

I would like to bring to your attention that, according to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report in accordance with the written instructions of the concerned consumer. Regrettably, I have not provided written consent for the disclosure of my information to XXXX, XXXX, XXXX, or the furnisher of information to credit agencies. 

Furthermore, I am exercising my right to opt-out of the reporting services, as outlined in 12 CFR 1016.7, which states that a consumer may exercise this right at any time. Despite this, I have not been informed of my ability to exercise the nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 

It has come to my attention after reviewing my most recent consumer file that XXXX, XXXX, and XXXX are reporting adverse information without my consent, which is a direct violation of 15 USC 1681C ( a ) ( 5 ). This action is also contrary to the provisions of 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies.

Moreover, 15 U.S. Code 1681e emphasizes the necessity for consumer reporting agencies to maintain reasonable procedures to avoid violations of the sections above. In this regard, XXXX, XXXX, and XXXX have failed to uphold such reasonable procedures. 

I demand that my privacy rights are respected and upheld in accordance with federal laws and the accounts listed be removed from my consumer file as I did not authorize any of the companies to furnish my information Additionally, I am revoking any and all consent, whether verbal, non-verbal, written, implied, or otherwise, for the disclosure of my information to XXXX, XXXX, XXXX, and all the financial institutions reporting my private information to the credit agencies. 
I appreciate your attention and expect a prompt and comprehensive resolution.
Product: Checking or savings account

I was a victim of identity theft. That is on file with the credit bureaus. Since then I had to file XXXX XXXX bankruptcy to protect myself. I can not open a bank account. Both XXXX XXXX and XXXX XXXX  tell me there is no record of me owing anyone. Yet I still cant open a bank account. Please help me clear my name
Product: Credit reporting or other personal consumer reports

Im attaching an FTC report containing XXXX fraudulent accounts along with XXXX inquires which are fraudulent.
Product: Debt collection

Garnish my bank account for a debt XXXX  years ago 2005 that not even mine.
Product: Debt collection

[ Resurgent Capital Services ] [ XXXX XXXX Place XXXX XXXX ] [ XXXX, SC, XXXX ] Subject : Debt Validation Request Notice of Legal Compliance Required To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 to formally dispute and request full validation of the alleged debt referenced above, which you have reported on my credit file. 

XXXX. Legal Validation Requirements Under 15 U.S.C. 1692g, you are required to provide the following documentation to verify this debts validity : A legally assigned contract with my original signature from the original creditor. A simple bill or statement is not sufficient proof of a legally owed debt. 

Proof of chain of custody ( all assignments of ownership ) if this debt was transferred or sold. 

Verification that you are legally authorized to collect this alleged debt. 

Failure to provide the above documentation constitutes a violation of federal law under the FDCPA and FCRA. If you continue reporting this unverified debt, you are liable for damages under 15 U.S.C. 1681n and 1681o, which allows me to seek legal action for willful or negligent noncompliance. 

XXXX. Cease and Desist Communication Terms As per 15 U.S.C. 1692c ( c ), you are hereby prohibited from contacting me by phone, email, or any method other than written correspondence via my mailing address above. If you fail to comply, you are subject to fines of {$1000.00} per violation, as outlined in 15 U.S.C. 1692k. 

XXXX. Immediate Deletion from My Credit Report Since this debt remains unverified and inaccurate, it must be removed from my credit report immediately per 15 U.S.C. 1681s-2 ( b ). Failure to do so will be considered a willful violation of the FCRA, and I will pursue legal remedies, including a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action against your agency. 

This is a formal dispute and not a refusal to pay ; it is a request for validation under my rights as a consumer. You are required to respond within XXXX  days or remove this debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX   Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the lack of action taken on my previous dispute concerning the unauthorized hard inquiries on my credit report. Despite my initial request and follow-up communications, these inquiries remain unaddressed, while both XXXX and XXXX have already promptly removed all the inquiries I disputed with them. You are now the only bureau that has failed to comply with my rightful request under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

To whom it may concern, Portfolio Recovery Associates are attempting to collect a debt that was sold to them from the original company, XXXX XXXX. Portfolio Recovery Associates are not licensed to operate/collect in the state in which I reside. Two of my accounts have been sold to them from XXXX XXXX. One in the amount of {$1400.00} and another in the amount of {$1600.00} both sold to Portfolio on or around XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Personal statement : " I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible. ''
Product: Debt collection

have no history of doing any business with this company, no signed contracts or anything, they are are trying to collect a debt, I know nothing about and this needs to be removed from my credit file asap, as me and this company have no contract for them to be reporting anything on my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC to formally report a violation of my rights under the FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( ( 15 U.S.C 168 1b ) and applicable provisions of the FDCPA. Fraudulent activity has impacted my FICO credit report, including unauthorized accounts and fraudulent collections that were reported without my authorization. These actions are clear violations of my rights, as the accounts were reported without verification or my consent, resulting fraud. I demand that these fraudulent items be immediately removed from all of my credit reports I request a thorough investigation into how these violations occurred. FTC Report Number : XXXX, dated XX/XX/year>. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX account number XXXX Please find enclosed the following documents to support my claim :. 
I hereby demand the immediate removal of this fraudulent account from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( FDCPA ). I require that this account be deleted in compliance with these protections, and I expect confirmation of its removal to ensure.

I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I took out an advance accessible money loan in the amount of XXXX. The agreed terms were that when I got paid it would be taken out of my check, along with the XXXX fee ( for putting it on the card and using the service ). The company claims that once the money is paid, you can use the direct line of credit ( from what you worked ) again ( called an Early Accessible fund, which is half of your paid working hours worth of money ). The money came out of my XX/XX/XXXX Check, in the amount of XXXX however the company never reset my Early Access fund. I have contacted the company numerous times in attempt to resolve this issue. I have received two emails that they have fixed the issue and I should have access to my funds, as well as two text messages. However, whenever I go back on to use the funds it still states that there are XXXX available. They seem to refuse to fix the issue when I need those accessible funds
Product: Debt collection

On XX/XX/2023, I was informed that there was a change to my credit report via XXXX email notification. 

I called the company number displayed on the information given to me by XXXX but, had no luck getting through to the company. Company information is : Zions Debt Holdings LL Address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Balance : {$3200.00} I have no clue where this balance came from, or why it was sent to collections under my name. I am closely watching my credit report as I am looking to purchase a home and have no idea where this debt came from or why. 

I believe i may be a victim of fraud.
Product: Credit card

I have always made sure that payments on this account are made on time, avoiding any overdue charges. However, I am uncertain about the reasons for reports indicating late payments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Checking or savings account

Wells Fargo would charge my acct for overdraft fee before giving me time to bring it up to date and they closed my acct after XXXX years without notice