23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Experian Information Solutions throughout the year via CFPB about the inaccurate reporting of non-public information.As a federally protected consumer, I have a right to privacy. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification )
Product: Payday loan, title loan, or personal loan

The loan was a HELOC with XXXX XXXX made on the XX/XX/XXXX for max. credit Limit of {$20000.00}. Payment had been made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the loan was transfer to XXXX XXXX XXXX. Which I continuing to pay. I have ask / requested a full payment history and a transaction history from XXXX XXXX but this company refuse to mail me a copy for my account. I have request the same information from XXXX ( XXXX XXXX ) but they said they can only provide history from XXXX to now. I am waiting on that information now. 
XXXX refuse to provide any information for my loan.
Product: Credit reporting

Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, According to The Law 15 U.S. Code 1681, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my credit report, I noticed that there is an error regarding this information, such as the Vehicle is PAID OFF and I've Received Title So It Should NO LONGER BE REFLECTED ON CREDIT REPORT. The specific account in question is XXXX associated with XXXX XXXXXX/XX/XXXX. A COPY WILL BE SENT WITH THIS REPORT AS PROOF. And it violates the Law 15 U.S.C. 1692g is a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to stop collecting debts if a consumer disputes them. 

According to my records, the information being reported is incorrect, and I would like to request that you investigate this matter.
Product: Vehicle loan or lease

I terminated my lease with GM Financial on XX/XX/2018. I received a bill on XX/XX/2018 for " remaining contractual charges ''. I contacted GM Financial by letter on XX/XX/2018 disputing a charge of {$150.00} and late charge fees. I requested validation of these charges and never heard back. They only continued to send bills. I contacted GM Financial again by letter on XX/XX/2018 requesting validation for a 2nd time and never heard back from them within more than 30 days. They are now reporting 90-119 days late on my credit reports even though this lease was terminated in XXXX. I am attaching all letters that I sent to them which began in XXXX ( XX/XX/2018 ). They never responded to any of my correspondence. I received a call from a representative last week and she only asked if I was willing to set up a payment arrangement, but did not acknowledge any of my correspondence until I brought it up. Regardless they did not ever respond back to me in a timely manner. I am attaching all letters that I have sent to them with proof of delivery.
Product: Prepaid card

I had a T-Mobile Prepaid Debit Card and was using it fine for almost a year. They summarily closed it about six weeks ago ( XXXX XXXX ) and accused me of not using it properly? I was very upset. I have a great deal of money in it and even though I submitted all the documents they requested for a refund, I still have yet to receive it, let alone any response from them. I 'm very worried and concerned about my money. Which, it should be noted, is diminishing since they are charging a " monthly maintenance fee '' despite the fact that it 's a closed account!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation accounts showing up on my credit that I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, The complaint refers to Citibank ( Reference ID : XXXX ) I have had joint checking and savings accounts with my wife, and several credit cards with Citibank, for several years. In addition, my current employer direct deposits my paychecks there and I also use the billpay platform to pay my utilities. 
We have been receiving multiple XXXX XXXX XXXX  requests over the past couple of weeks, each with successive and increasing levels of information being sought, in order to ensure that the accounts " remain in good standing. '' * First I was asked to validate basic information such as personal information ( name, address, etc. ).

* Second, I was asked to validate my employer name, which I complied with. 
* Then I was asked to provide information about my annual income, which reluctantly was provided, including updating my online customer profile. 
* The information provided in the online profile was not retained, and the phone calls continued, threatening us that the accounts will be closed or frozen. 
* Today, XX/XX/22 things escalated even further as we were asked to provide " sources of wealth '' and detailed assets, liabilities, and property valuations. I complained to the representative about this being intrusive to my privacy and unnecessary to operating the bank account and was once again threatened with account freeze by mid XXXX, should the information fail to be provided. 
My wife and I feel totally harassed, our privacy is being infringed upon, and now we have to incur unnecessary expenses to prove the valuation of home and assets. We are completely dumbfounded as to why Citibank is being unreasonable and asking for items such as " employment verification letter '' when my direct deposit clearly states the source of income. Attached please find the latest round of requirements. While Citibank claims that their XXXX rules may differ from other financial institutions, and we can easily switch accounts, we would like to formally complaints as other Citibank customers could be similarly targeted and inconvenienced. 
Despite our request, no information was provided about how this sensitive personal information will be handled, what is its chain of custody, who has authority to request or even view such private information for the purposes of validating our account information. 
We refuse such details and are asking for your help in resolving this matter. See attached request list from Citibank and you can judge for yourselves as to its overall reasonableness. 

Thank you,
Product: Mortgage

* Over the course of a year, Wells Fargo had been accepting Interest Only payments as I negotiated with them during efforts to reorganize personal finances.
* Wells accepted the I/O payments every month until recently they demanded back-dated principal, without notice, and threatened foreclosure if not paid immediately. * The above statement is contradicted by their acceptance and advising to make I/O payments, whilst also being cycled through their Home Preservation program qualifications.
* I now qualify for their Home Preservation program which would ensure no derogatory outcomes, and have been willing and able to continue paying on same terms. But then they do n't respond to me after providing me with the qualifying conditions, which I meet. * I have made great efforts to find resolution but always met with misleading, ambiguous, and inconclusive responses from multiple departments within Wells Fargo. * They are violating the terms of agreement and although I have demonstrated willingness, and qualifying factors for resolution via Home Preservation Program, they are denying me any clear response and verbally aggressive with foreclosure " intent '' when I speak with them. But then get different responses from other divisions that contradict their aggressive foreclosure threats.
Product: Debt collection

XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/XXXX   in the amount of {$3700.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX XXXX before in my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX Was Deleted From My Credit Report in 2022 and now have been reinserted back on Credit Report .I am not Liable for this Debt and have not signed any Contract with Impact Recievables Collection agency..I demand this Account be removed once again I was Not notified of this reinsertion of this previously deleted item. 
By Law I Demand you delete reinserted items from my credit report
Product: Debt collection

This account never belonged to me! I am unaware of this account. I have never executed a contract using this account. This account is not mine, so I should not be responsible for it.
Product: Credit card or prepaid card

Initiated a simple {$7.00} billing dispute under reference number XXXX, an inquiry in the dispute section of the American Express website on XX/XX/2019, shows the dispute as closed. However, a letter from American Express dated XX/XX/2019, states they need a signed copy of the original transaction. A little confusing since this was an online transaction. In the original dispute, I noted that the website XXXX claims that service is {$12.00} monthly with XXXX streaming included. I noted that Mastercard ending in XXXX was billed on XX/XX/2019 for {$12.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax are continuing to verify my accounts & they are inaccurate. A proper investigation is supposed to take place before verifying each item is accurate which I know has not been done because Im supposed to be interviewed as well as my neighbors per the FCRA. A proper investigation needs to be done where theyre not investigating themselves & saying that they verified & its correct
Product: Mortgage

I have paid for mortgage modification in   XXXX    2016.  My grandmother passed away at the end of   XXXX    in 2016 we   were approved for modification and started our trial payments   XXXX    2016 with s uccessfully completed  the trail w e receive the final modification documents in  XXXX  however they were in my grandmother 's name. I am there I am the executor of her estate and I called nation star mortgage to find out how to sign the documents they told me to sign them as my name, executor now they 're explaining that I 'm not able to do that and I have to reapply I reapplied on   XXXX   XXXX   and they still have no decision they have not acknowledged my application for modification they have not canceled the existing modification and now my mortgage  is five months b ehind they will not except  one pa yment and I need some assistance
Product: Debt collection

I received a bill from Harris and Harris Ltd. received on XX/XX/XXXX. I requested information on the bill that it was not my debt and a copy of the bill. I submitted certified mail on XX/XX/XXXX, I received on XX/XX/XXXX another request collections notification. This is not a valid debt, I could give the creditors name : XXXX XXXX XXXX XXXX XXXX. Not a clue??? I have not received emergency services. Please help sort this out I live hundreds of miles away from stated location. Thanks You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed some inaccurate reporting on my XXXX and XXXX credit reports as follows ; ( account # XXXX ) Company : American Honda Finance I ask the above company provides all documentations as follows : 1. Original contract 2. Credit Insurance 3. Payoff disclosure 4 balance history 5 payment history 6. Interest rate disclosure Please provide all documentations to insure accurate reporting information on my credit reports.
Product: Credit reporting or other personal consumer reports

The following accounts/Inquiries I did not authorize to be opened/initiated, and would like them removed from my consumer reports. I have disputed them previously and would like validation of the ownership if they can not be removed. Also, the credit bureaus ( along with the creditors ) will need to provide their verification/investigation process, in detail, as well ; rather than just responding with unsupported statements. 

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

XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report from XXXX  XXXX XXXX XXXX XXXX, an XXXX XXXX company, today. 
This report is a compilation of XXXX, XXXX, and XXXX credit summaries. 
On two reports ( XXXX  & XXXX  ) my ratings dropped 113 points and 140 points respectfully. The XXXX  rating increased from an XXXX points to XXXX points! 
After speaking with a representative from XXXX XXXX XXXX, I was informed that the significant decrease in two reports was a result of a Capital One reporting a negative credit report. 
I am filing an appeal to the credit reporting agencies to correct this egregious error in my credit reports. 
I cancelled my Capital One card many months ago but they compounded a very small amount I owed into over a {$100.00} debt. I paid them that usurious amount in order to be rid of Capital One. 
Some federal watchdog unit should keep an eye on them in order to prevent the public from such fees. Thank you.
Product: Bank account or service

In XXXX of 2012, a fraudulent check was dispersed into my account. I was unaware and have no idea who put the check inside my account as I had my pin number written in a few places in order to remember it. I did not immediately report the transaction because it was around the time my father was going to pay my rent six months in advance. I removed the funds and paid for my rent. After finding out it was a fraudulent check I returned the money to Bank of America but not before they reported me to XXXX and closed my checking account. Because I had a checking account through the institution I attended, I was not particularly worried about not having an account with Bank of America. However, I have since attempted to open a checking account with a myriad of different banks and credit unions to no avail. It is highly upsetting when a mere misunderstanding that has been remedied over three years ago still seems to hinder me from financial freedom.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Product: Debt collection

On the XXXX of XX/XX/year>, my mother received a phone call from the National Service Bureau agency disclosing that a debt was owed on my behalf. The agent gave personal information about the nature of the debt. While threatening to suspend my license and arrest me. On XXXX of XXXX, another agent called my employer and told every detail of the debt again threatening to arrest me and suspend my license. On the XXXX of XXXX, my mother received a very aggressive call and was threatened with being held responsible for the debt. This company has given personal information to family members and employers. Ive been called all hours of the day and night and screamed at even after letting the company know a lawyer would intervene after the holidays.
Product: Credit reporting or other personal consumer reports

15 USC 6801. It reads " It is the policy of the Congress that each financial institution has an affirmation and continuing obligation to respect the privacy of its customers and protect the confidentiality of those customers non public personal information ''. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX are all financial institutions under that title. 15 USC 1681 section 604a section states " In general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER! : " In accordance with the written instructions of the consumer to whom it relates '' Any and all consent given to ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX whether it verbal, non verbal, written, implied or otherwise is hereby REVOKED! 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that non disclosure option ''. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never informed me of my right to exercise my own disclosure option. Furthermore, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts adverse items reporting without my permission that is against the law w. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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.

Additionally, 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I am paid twice a month, on the XXXX and on the last day of the month. I pay my mortgage on the XXXX of every month. I used to pay it on the XXXX of every month, but when I did that Flagstar Bank applied the payment to the prior month as an extra payment towards principal, reported me to the credit bureaus as being late on my payments, sent me to collections, and charged me late fees. Yes, they charged me late fees for paying my mortgage payment 10 days early!!! 

Now they are harassing me for being late on my payments on the XXXX of the month almost every month. I am within the contractual dates to pay my mortgage payments in full. Not only am I paying in full, I am over paying every month! My mortgage payment is {$1100.00} and I am paying {$1200.00} with the additional {$45.00} going towards principal. 

I didn't get my mortgage with Flagstar Bank, I opened it with a different company and everything went smoothly for the first two years I owned this house. Then Flagstar bought my mortgage and I have had nothing but problems with Flagstar since then. I'm not going to spend XXXX XXXX dollars to refinance with another bank when Flagstar can simply buy my mortgage from that other bank and start harassing me or charging me late fees when I'm paying my mortgage on time again.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my personal information to get medical treatment that i did not authorize.i have filed a report i have tried to dispute these 2 accounts and nothing gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of violations that have significantly impacted my credit report, as well as to request your assistance in enforcing my legal rights. The violations outlined below pertain to the Fair Credit Reporting Act ( FCRA ) and its corresponding sections. These discrepancies have had a profound effect on my financial well-being, and I implore your intervention to rectify the situation. 

Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) [ Include the rest of the creditor details with corresponding violations and sections as mentioned earlier. ] These violations have not only tarnished my creditworthiness but have also wrought havoc on my personal life. I share a deeply personal story to underscore the emotional toll these inaccuracies have taken on me. As a dedicated father, I found myself facing unforeseen financial challenges when I was denied a mortgage loan for our dream home due to my compromised credit report. The emotional distress, the feeling of inadequacy, and the disappointment in my inability to provide a secure living environment for my family have left an indelible mark. 

I appeal to your compassion and expertise to guide me through the process of rectifying these grave errors. I kindly request your intervention in enforcing the removal of these unverified accounts from my credit report. It is my sincere hope that through your assistance, I can regain control of my financial standing and provide a brighter future for my loved ones. 

Thank you for your understanding and anticipated assistance in this matter. I eagerly await your response. 

Sincerely, XXXX XXXX