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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts, listed as being in " collection '' have violated my rights : XXXX - TransUnion, XXXX - XXXX As per15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

These items were reported to credit bureaus in XXXX. I contacted the reporting creditor and was referred to XXXX XXXX XXXX  as the creditor denied knowledge of any account despite being provided with my name and SSN. The creditor ( XXXX  ) referred me to XXXX XXXX XXXX who then referred me to XXXX XXXX, neither of whom had a record of the account being in collection or sent to XXXX for collection. After disputing the erroneous item with all 3 bureaus, the error was removed from XXXX reporting but remains on my TransUnion and XXXX accounts.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I made a full payment on my car but didn't get the title until today, XX/XX/XXXX. 
I called serval times to request a duplicate and even sent a letter to formally request it. 
Nonetheless, noting happened. Every time I called Hyundai, they kept repeatedly say the letter will be sent soon.

Paid in full letter is attached.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. 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 following information therefore needs to be reinvestigated
Product: Payday loan, title loan, personal loan, or advance loan

Im am constantly charged fees for payments days after. I was short a dollar in my bank account and they charged me a {$120.00} dollar fee with no bill sent and not explanation then call me 28 days later saying they are collecting my debt. I cant pay my loan back if they keep charging these fees. They are non negotiable and Im and exhausted financially because of them.
Product: Checking or savings account

I had recently moved to a new city and opened this checking and savings account with Capital One and they closed it in a few days after I received my salary and my rent was due in a few days. I received my money after XXXX days where I had to pay my rent my borrowing money from my brother who lives XXXX This was really embarrassing and inconvenient to say the least. I was provided with no logical explanation and I vowed to never return to this brand for my banking needs. 

I received the following email : We're closing your Capital One 360 deposit account ( XXXX ) because we confirmed you're misusing them. Any CD ( XXXX ) were closed without penalty and with the full maturity value. 

We're sending the funds- plus any interest earned- to your linked external checking account and they'll arrive in XXXX business days. If you don't have a link or your link 's closed, a check will arrive by mail within XXXX business days to your address on file. 

I tried contacting the bank and even visited the branch and talked to the representative and they said they could do nothing. 

I faced a lot of financial hardship due to this and not to mention I had just moved to the city and even my first salary was stuck due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

I always get charged an over draft fee or random fees, but I always have the exact amount that needs to be withdrawn and I still get fees I've talked to Wells Fargo but they always tell me sorry there is nothing I can do and I'm always stuck pay fees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  days In accordance with the fair credit reporting act XXXX  account number # XXXX has violated my rights. 
15 usc 1682 section 602 States I have the right to privacy.

15 usc 1681 section 604 A section 2 It also states a consumer report agency furnishes account without my reading instruction.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has a
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans  are with XXXX. I have always made my payments on time. For whatever reason, there are late payments on my credit reports. As you can see in the letters I attached, I've always had great payment history with these accounts, then it randomly shows XXXX  days late the next month after on-time payments. This simply isn't possible. I tried contacting XXXX, TransUnion, and XXXX, but none of them have responded to my request. I have highlighted the clear errors in their reporting in my attachments.
Product: Debt collection

I was a victim of identity theft and noticed a collection from SOURCE RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SOURCE RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth - XX/XX/1994 { Date } XXXX To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATIONThe accounts/ INFORMATION below are reporting incorrectly REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect. 
1 : Incorrect Addresses XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX 2. : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX UPDATE XXXX XXXX please update the following information which I saw your credit bureau to be missing or incomplete:1. Personal current address { XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX } 2. My proper full name { XXXX XXXX XXXX XXXX }, if the bureau has listed it incorrectly } 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, { XXXX XXXX XXXX XXXX }
Product: Checking or savings account

I have recently reviewed my Chexsystems Report and was shocked to see that the reasons I am unable to open a personal and business account are because of a fraudulent account opened under my personal and private information. There is an Unpaid Balance of {$590.00} reported by XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/2018, there is an Inquiry listed by this company as well reported on date XX/XX/2018 I DID NOT give this company permission to review my reports. The reported address for this account is XXXX XXXX XXXX XXXX, PA XXXX. I have NEVER gone into any business with this company, and I have NEVER lived at the reported address XXXX XXXX XXXX XXXX, PA XXXX. This account was fraudulently opened using my personal information, and an incorrect address that I have never resided or had any relations to. I have tried numerous times to have Chexsystem and XXXX XXXX  remove this Fraudentlent account from my consumer reports, and each time both company 's responses are, that they verified the account as accurate. This account is not accurate, this account was opened under an address I have never resided. I am requesting that Chexsystem Immediately remove this Fraudulent account from my report, I am also requesting that XXXX XXXX  remove this charge off amount and my personal data and information from their records.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR XXXX DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX SYSTEM YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE XXXX FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED. MUST BE DELETED VIA COURT ORDER PAGE XXXX CHAPTER XXXX XXXX. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BANK BALANCE IS INCORRECT 5. XXXX BANK BALANCE IS INCORRECT XXXX XXXX IS A CLOSED ACCOUNT MUST DELETE HIGH BALACE AAND PAYMENTS 7 XXXX CHAPTER XXXX SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER 8. XXXX XXXX MUST BE REOVED DO NOT SAY VERIFIED NOT AUTHERIZED 9. XXXX BANK INQUIRY MUS BE REMOVED 10. XXXX MUST BE REMOVED DO NOT DSAY VERIFYED DO NOT PLACE FRAUD ALERT ON MY CREDIT
Product: Debt collection

On XX/XX/XXXX, I checked my credit report and noticed a new debt added to my account for {$960.00} from Commonwealth Finance. First they never notified me of the debt of their intent to collect on the alledged debt. Secondly, Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector or credit bureau from engaging in debt collection in Texas unless the 3rd party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Their bond is expired as XX/XX/XXXX. Please delete this debt off my credit file.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised by Equifax data breach as well as XXXXXXXX XXXX XXXX XXXX Ive also had fraudulent accounts open with XXXX XXXX that Ive been disputing for years. All of the accounts keep coming back verified with no proof of how it was verified. Ive never signed or gave anyone authorization to use my personal information. Ive had a fraud alert on my consumer report for years and still someone was still granted credit using my information Other accounts like the student loans are inaccurate and not reflecting the payments or correct balance. The XXXX XXXX XXXX was auto dealer fraud that I reported to the state of XXXX BBB and CFPB. I have yet to be provided with proof or a signed agreement for XXXX XXXX XXXX I have rights as a consumer and late payments right to privacy 15 USC 1681 Data Breach 6:05 b should be acknowledged
Product: Student loan

I have been trying to get information from Navient on paying a small amount while my loan is deferred. They wo n't allow me to make payments on the principal and will only put payments towards the interest, which in the long run does n't do any good. They also wo n't lower the payment to something I can afford. According to them, I can afford $ XXXX / month on my student loans. And this would make it impossible to pay my mortgage, put gas in my car, or feed my child.
Product: Credit card or prepaid card

Wells Fargo bank card is reporting inaccurate information on my credit report. The account that you are reporting do not belong to me, This account is past the statue of limitations of 7 years and Wells Fargo is reporting different addresses to each credit bureau for their contact address. I send a letter disputing/ asking for verification and received returned letter stating unable to forward/unclaimed. 


All of Wells Fargo information is inaccurate address, Reporting this item belong to me and statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency experian has not thoroughly investigated fraudulent accounts on my credit report. They have not provided any proof during their investigation that these accounts belong to me. Therefore they are hurting my ability to obtain new credit offers.
Product: Checking or savings account

I opened an US Bank account around last year 2023 and I made few transactions with XXXX not up to XXXX transactions with my Family and Friends and within a month my bank accounts were closed and I was told to hold few months for Fraud Investigation to be done, after which my account will be closed finally and a Cashiers Check will be mailed to me but to my surprise its been over 9 months now and I havent received anything related to such, of which Ive {$1000.00} right there in my bank account, please I need a help as regards to that cuz I appeared in bank in person with my ID as theyve requested but still I didnt have my money
Product: Checking or savings account

I use XXXX as a payday loan service and my account wont connect even though Ive used it before.
Product: Credit reporting or other personal consumer reports

I am submitting another complaint because I am once again stating that I have sent multiples letters for half of a year requesting that the information be removed and updated. From XX/XX/XXXX until XX/XX/XXXX. The information has not been updated at all. And not has been updated. 

I have already sent multiple letters requesting the information to be removed and to be verified. And you ask me to continue to do it The response giving to me on XX/XX/XXXX was to re-submit disputes. The doesnt make sense to do that. My rights are being completely violated. I am not submitting anymore letters and I am seeking litigation if the information previously requested is updated and removed. 

XXXX XXXX XXXX is a resold debt from a different debt collector. And they are trying to collect a debt from XXXX, and on my XXXX Report, another debt collector is trying to collect on a debt from XXXX of the same account. Which is completely illegal. I pulled the information from the XXXX app and printed the reports. 

XXXX has no documentation saying that I have agreed to pay that debt they are collecting on the behalf of XXXX XXXX They will not provide information of registered agent of service, obligation of debt with my signature on it of agreeing to pay. 

Youre violating my rights and the FCRA federal law.
Product: Debt collection

I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX  XXXX XXXX XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX XXXX XXXX XXXX with the account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX XXXX has no standing at law against my superior title and ownership over the principal ( XXXX XXXX XXXX ).
Product: Mortgage

Filed previous case regarding Bank of America Home Loan # XXXX does not respond to the consumer regarding lending practice, and or questions protected by the Truth in Lending regulations and the standard Federal Reserve policies. Again the same issue as the XXXX previous complaints is each time the bank responds to our requests for information the specific questions asked are not addressed. Then when that is pointed out via certified mail the bank sends letters for a while with a new Resolution Specialist each time extending the date a resolution should be received. So they acknowledge there is a valid issue to address but they need more time. Then the same as the entire process with the mortgage sold from Countrywide and was a bad loan Bank of America has not responded to modification documents for four years on and off. They have lied in writing and on the phone on notified recorded calls. Again the last response was dated XXXX XXXX, 2016 copy attached to this complaint stated a resolution would be received by XXXX XXXX, 2016. That date has come and gone. There has been another XXXX documented and recorded phone calls and certified mail requesting an update. All have never been responded to. If I have to file multiple complaints for the same issue that there is no promised response from my lender this system is not helping the consumer. I have filed a complaint with XXXX XXXX XXXX, my Senator and Congressman and the Federal Reserve as well as the Attorney General. I am feeling that the Bank would get better response and assistance by this process.
Product: Debt collection

I been in communication with Equifax since XX/XX/24 trying to resolve issues they are reporting. I received a letter stating they did not receive my identity verification I included with my dispute I've turned this information in several times. I contacted Equifax once again today XX/XX/24 the first time the agent left me on hold for XXXX minutes and transferred me to a survey to end the call. The second call resulting in me speaking with a agents who said she do see the identification and don't know why I received the letter saying they did not have it this is stressful and depressing I have been in constant communication and I receive different answers every time. today I was told it would be 30 days before I hear back this is unfair.
Product: Credit card or prepaid card

On XX/XX/2023, my Citibank credit card was charged {$240.00} by XXXX, a grocery delivery service. Even though I was on vacation in XXXX XXXX, Florida, the XXXX delivery was sent to a town in Georgia. I immediately called XXXX, said that I had not placed the order, and that it was a fraudulent order. The XXXX representative told me that they would return my money as soon as possible. 
I also decided I needed to get a new Citibank credit card, in case someone had stolen my identity. 
After not getting a refund from XXXX, I disputed the charge with Citibank, but after crediting my account, Citibank investigated the incident and decided that I was responsible for the charges (! ) Its been XXXX months now, and theres been no reimbursement resolution. XXXX said it wasnt their problem, and Citibank said it wasnt their problem. 
I have called Citibank at least four times, and they have never give me a clear answer as to why the charge was not credited back to my account. They always said they would send it on to their fraud department and investigate it further, but no one has ever gotten back to me from Citibank. Its been XXXX  months since the incident happened!