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

IN accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX Account # XXXX ... Account Name .... XXXX XXXXXXXX .... Account XXXX XXXXXXXX .... Account Name... XXXX XXXX XXXX ... Account # XXXX .... Account Name .... XXXX XXXX XXXX  .... Account # XXXX .... Account Name... XXXX XXXX ... XXXX XXXX .... XXXX XXXX XXXX  ... XXXX XXXX .... 15 u.s.c 1681 section 602 A. state 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 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX XXXX XXXXXXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX XXXXXXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXXXXXX XXXX XXXX XXXXXXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXXXXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX XXXX XXXXXXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX XXXX XXXXXXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX  ACCT # XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME Account name XXXX Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation. 

Account name XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX  I received a denial letter from Discover stating that an application for a Discover it chrome Student Card was denied because status of existing/prior Discover account ( what that refers to is a bankruptcy filed that a previous account with Discover was included ). 

So I submitted a dispute with Discover and on XXXX XX/XX/, I received a letter from Discover stating a fraudulent application was submitted using my name and SSN # and Discover would not open an account or continue to process the application and that the inquiry would be moved from a hard inquiry to a soft inquiry. 

Discover said it takes 90 days for XXXX to update my report with the correction and yet it has been six months XXXX XX/XX/XXXX  and the issue has still not been corrected. 

I am requesting that it be removed from my credit report completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, {$170.00}, XX/XX/XXXX - XXXX XXXX, {$160.00} XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX, {$20000.00} XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX, {$5800.00}, XX/XX/XXXX - XXXXXXXX XXXX XXXX, {$270.00} XXXX XX/XX/XXXX - XXXX XXXX, {$0.00} XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX {$500.00}, XX/XX/XXXX - XXXX XXXX XXXX, {$660.00} XXXX XX/XX/XXXX, have 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 consent.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 For the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
Attached please find copies of my credit report with documentations from all three credit bureaus that have notations that are not consistent. I have the right to have my files to all reports to not to have notations that are different. Due to this, I am requesting that this file, XXXX XXXX, Acct : XXXX be removed from all three credit reporting agencies. Per my report with Equifax, this account is closed. Per XXXX the payment amount is listed as {$0.00}. XXXX is reporting it as a balance of {$0.00}. This is in violation of my rights as a consumer to have these inconsistencies on my Credit Report. Also, if the balance is {$0.00}, then this account should have never been sold to XXXX XXXX. 
I have circled all other inconsistent notations I see on all three reporting agencies documentation for this account. 
I am requesting that this account be removed from my credit report. This includes files for XXXX XXXX and XXXX XXXX XXXX. 

XXXX XXXX
Product: Mortgage

I can not get a response from the company that handles my Reverse Mortgage. I have kept up my side of the agreement for over 10 years, I maintain insurance, pay the taxes, maintain the home and I am still alive and living in my home. This company for NO reason turned my account over to HUD with one phone number to call. MY QUESTION is why. I called this number 6 times sitting on hold anywhere from three hours to one and when I finally reach someone they just forward my question on to the company. It's just a huge call center with no information. I received THREATENING Letters that I had thirty days before they wanted a deed-in-lieu-of-forclosure. WHY. I NEVER recieved a call.They sent a response to cfpb saying they had talked to my daughter XXXX. First of all I do not have a daughter named XXXX and there were no missed calls logged on my phone. NONE. 
I feel that these threats must be explained. WHY did this happen? Why was I threatened about being evicted and I need this in writing asap. How can a company be allowed to do do business with no direct phone number?
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 724 Monthly payment - Last payment date XX/XX/XXXX Additional Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Debt collection

HI kohls/capitalone ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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

I sent XXXX Transunion and XXXX 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them. 

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 I appreciate any assistance you can give me. 
Thank you!
Product: Credit card or prepaid card

I applied for a wells fargo credit card, they attempted to do a fraudulent transaction that I immediately said was not mine on XX/XX/19 call was recorded they can review that call. Wells Fargo issues me a new card and assures me that the transaction did not go through but then doesn't approve my claim because they say I activated the card and that I made this purchase. I did not receive the card nor did I activate it, if they would like I can send them my call log for the month and day so they can see I did not activate the card with my phone number. I was nowhere near the place where these theives were attempting to use my card so Wellsfargo denied my claim and want to hold me responsible for their charges {$610.00} worth. I am so upset and can't even imagine how they conduct investigations on claims and just blatantly lie about it and deny the claim. By lying I mean they said I called and activated the original card ending in XXXX again that's impossible. Have them call the location and request video footage whatever they need to do.I did not use this card for a {$610.00} purchase at XXXX.
Product: Credit card or prepaid card

Without notice or reason, Citibank increased the interest rate on my credit card from 15 % in XX/XX/2020 to 29 % in XX/XX/2020. During that period, there were no missed or delinquent payments.
Product: Checking or savings account

On XX/XX/24 a criminal posing as a XXXX employee sent wire instructions for payment. I called Discover to alert them of potential identity theft. Discover was uninterested.
Product: Credit reporting or other personal consumer reports

On reviewing my credit reports, I noticed inaccuracies in the reporting of several accounts, which are not compliant with the Fair Credit Reporting Act ( FCRA ). Specifically : XXXXXXXX XXXX XXXXXXXX : Equifax reflects a balance of {$14000.00}. 
XXXX reports a balance of {$0.00}. 
XXXX reflects a balance of {$14000.00}. 
These discrepancies demonstrate a failure to report consistent and accurate information across the credit bureaus. As mandated by federal law, all accounts must be reported with 100 % accuracy. 

I have attempted to verify this information and attached a screenshot highlighting these inaccuracies. The discrepancies suggest negligence or noncompliance on the part of the creditors and data furnishers. 

XXXX XXXX XXXXXXXX, in particular, have failed to report accurately to Equifax, which is a violation of their legal obligations under FCRA Section 623 ( 15 U.S.C. 1681s-2 ). This lack of compliance is unacceptable and warrants immediate correction. 

I am requesting that all inaccurate accounts be corrected or removed from the credit reports promptly. 

This is a formal demand for accountability and compliance with federal law to ensure the accuracy of consumer reporting.
Product: Student loan

The XXXX XXXX was started XX/XX/XXXX for {$10000.00}. It has been sold at least twice. I and my co-signer have paid in {$9200.00}. I went into bankruptcy from XX/XX/XXXX to XX/XX/XXXX. 
The loan is now with Navient.. This is a private loan. Navient has accrued the interest during bankruptcy and applied {$640.00} from the bankruptcy administrator toward interest while the court shows principal payments. 
This XX/XX/XXXX ( XX/XX/XXXX ) Navient advised me to take a forbearance and capitalized interest and fees and I paid them {$50.00} to do this. The terms were to start payments XX/XX/XXXX. This agreement was taped., now they say that I missed XX/XX/XXXX and they say I owe an XX/XX/XXXX payment plus a late fee. 
This loan has been handled this way throughout, selling the loan, advising forbearance and capitalizing interest. 
To sum up, after 13 years, paying in {$9200.00}, and a bankruptcy the PRINCIPAL IS {$10000.00} OR {$440.00} LESS THAN THE ORIGINAL PROCEEDS.
Product: Credit card or prepaid card

I have two credit cards with Capital One. I added several contractors who work with my family real estate business to pay for repairs as needed. I never gave them the cards, I was if I need them to pay for repairs on site. Capital One restricted my account and ask for the employee ids and social security cards. I did what Capital one requested but never received an answer, so I paid off my account, request them to release my rewards and request they close my account. It has been several months since they restricted my account. I can't use my rewards nor my cards without any explanations of the cause. Even after paying off the account they haven't released my reward, credit balance nor close my account as requested for several weeks.
Product: Credit card

Capitol one approved me for a XXXX dollar cc I have never had one and wanted to build credit I have a 700 plus credit score and no collections or late pays. 4 days after receiving card I had made 3 purchases then they restricted my card without any notice I called emailed wrote everyday and they could not give me a valid reason for this they said it was flagged but that's not possible I had card 4 days they will not provide me any reason and won't lift restriction I've already made a pymt on time. They have reported it to credit agencies as an open acct I can not get another card because this one 's still showing open I am now going to become delinquent because they restricted my card with no valid reason or notice
Product: Mortgage

In XX/XX/2020 I contacted my mortgage company ( NewRez ) to inquire about stipulations & terms of CARES act forbearance policies. I was not given answers that satisfied my questions about terms of repayment. I was told that I would be contacted and provided more detailed information. I continued to pay my mortgage, uninterrupted and did not see any indication of forbearance on my monthly statements nor on the online servicing portal. 
On XX/XX/2020 I was inquiring with another entity about refinancing my mortgage. I was told that my loan was in forbearance. I was shocked and then became outraged that NewRez had taken the liberty to alter the terms and conditions of my loan without my informed consent. I contacted NewRez and asked how this could happen without my informed consent. Their response was that it was done automatically simply because I had inquired about it back in XXXX. This particular NewRez consumer finance practice seems highly irresponsible and probably illegal. During my XX/XX/XXXX call, I was told the forbearance would be removed on that day. I am currently awaiting verification of that. 
I would like to know what my consumer rights are when terms and conditions are altered in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item within 30 days gives reason to immediately remove those items from my credit report. It has been over 35 days so they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled credit report and saw inquiries on my account, I tried reaching out to the credit bureau they explained to me that I must contact the actual company and I did that as well and is getting no where.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Citizens Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Citizens Bank for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.