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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX 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. 
I have not authorized anyone in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2017 / account # - ( XXXX ) / amount {$2100.00} I did not open this account. I sent a letter to the debt collecting agency over 30 days ago, no response. I also reported it on the XXXX XXXX and instead of verifying the requested information it was considered " verified ''. A copy of my signature on an original contract was not furnished at the time of this " verification '' process. 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


Please note, since I have already sent this letter over 30 days ago with no response my rights have already been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019my credit monitoring company informed me that a hard credit check had been pulled on out credit rating. Upon investigating I learned that our mortage company, Quicken Loans,had pulled it because they wanted us to refinance our home.  They called my husband at work to discuss this with him and proceeded to read from the report, never mentioning that it was a hard check.  They never asked for permission to do this.On the  XXXX XXXX they called me, not my husband regarding the same issue.  This was after my husband sent an email stating we were not interested.  I gave this person, he said his name was XXXX  XXXX, after telling him we were not happy about them pulling the credit check that no further conversation was going to happen.  Any communications was to be in wrting.  I eventually talked to an XXXX XXXX and was told that she would look into it and get back to me.  As of today I have only gotten an email with her phone number.  After talking to a loan processor at a bank I learned that this was not supposed to happen, and said I should file a complaint.
Product: Checking or savings account

Ive been discrimated at the branch few years ago and it cause my accounts to be closed at bank of america my checking and my credit card and the credit card was closed due to a return payments which i didnt made and someone fraudlent log into my account and did it and but i did pay off the card in full with a loan in the amount of XXXX and the bank refused refund it back to me and also my checking account was closed by the branch due to my race which is XXXX and the branch manageXXXX in XXXX was XXXX toward me and my girlfriend told me i had to leave and take up with the account closure now i do have a open lawsult with bank of america to seek the funds of XXXX to be refunded and disputing the trade line on my credit report and have it removed. back to the checking account they closed it because of the recents checks deposits that wasnt mines and didnt give me options to dispute it as fraud number one i dont write checks someone hack into my account and deposit it and i never collect on these funds. bank of america banned me from apply a credit card and checking account and this is XXXX and unfair.. i ask them not to call me and i will try work with my lawyers to get my funds back
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding the continued reporting of outdated late payments on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The entries for XXXX, XXXX, and XX/XX/year> are beyond the legally permissible reporting period and are inaccurately listed as recent, which is re-aging the account unlawfully on my credit report. 

These dates are invalid and do not reflect my payment history accurately, creating a misrepresentation that has negatively impacted my credit profile. The continued presence of these entries conflicts with the Fair Credit Reporting Act, which limits how long negative information can be reported. 

I kindly request an immediate review and removal of these inaccurate late payments to ensure my credit report accurately reflects my standing. I appreciate your attention to this matter and thank you for your assistance in promptly resolving this issue.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I've tried to unfreeze my credit on the web site and the app. Tells me to contact customer service. The automated line wont unfreeze my credit and they refuse to connect me with a person. So I now can not access my credit, EVER AGAIN!
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Can you review the documents? Some accounts are inaccurately reported with incorrect amounts and dates.
Product: Debt collection

am writing to formally dispute the XXXX XXXX account listed on my credit report. This account, which was previously removed, has reappeared and is being reported incorrectly. I have requested a 1099-C form multiple times, as this account was recorded as a profit and loss.

The presence of this error is significantly hindering my ability to secure essential resources for my familys future. I kindly request that this account be removed from my credit report as soon as possible. 

If this issue is not resolved promptly, I will have no choice but to escalate the matter to the courts and the IRS due to the fraudulent nature of this reporting. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan, title loan, or personal loan

THIS IS NOT A DUPLICATE COMPLAINT. THIS MATTER REMAINS UNRESOLVED One Main financial continues to report inaccuracies on my credit report which is a direct violation of the Fair Credit Reporting act. One Main has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A, section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681XXXX XXXX XXXX XXXX XXXX XXXX ) states no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 1681XXXX XXXX XXXX XXXX ( XXXX ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1666b A creditor may not treat a payment on an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting XXXX balance of {$230.00} XXXX XXXX balance of {$1000.00} has violated several of my rights. 


15 U.S.C 1681 Section 602 A Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Late payments XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX  XXXX  Late payments XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) Remove these late payments and update this account immediately you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX XXXX : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received ( see attached ) confirmation that 3 accounts would be removed from my credit report. As of XX/XX/2021 ExperianXXXX  have failed to remove the items as they remain. One account in particular is being reported in error as shown in the attached document. I contacted XXXX XXXX XXXX XXXX who informed me that they sent Experian/TXXXX  the request for removal and that they have failed to act. This item is still being reported.
Product: Debt collection

I couldn't afford to pay my car insurance because I was laid off so I was charged a month in advance for an auto policy. I had switched to a more affordable company but XXXX had already sold the debt to Caine and Weiner who I never had a contract with. Now they are reporting on my credit false information that has dropped my score XXXX points. It is also showing up as an open account. I haven't received any notice except the ones that are on my credit report.
Product: Checking or savings account

I received a letter that my credit card was closed effective immediately on XX/XX/. Subsequently, I received letters that my 2 checking and 2 savings accounts will also be closed effective XX/XX/XXXX  on XX/XX/. I went into a branch and they said that they did not see any suspicious activity or reason why the accounts would be closed. When I called the number on the letters, they also said that there was no reason listed. This impacts my available credit significantly, and I have no derogatory marks.
Product: Mortgage

Apparently my loan was sold to Truist 5-6 months ago. I don't know when because I was never notified. My auto debit mortgage payment that was on autopay for the last 7 years was automatically cancelled. 

They have placed my home in foreclosure! Never got a call, never got a mail, never got anything from anyone. Truist says they can not give me a payment amount, they refer to me to attorney, the attorney refers me back to them. I do not want my house foreclosed over this error. 

ALL I WANT IS TO GET MY ACCOUNT CURRENT AND RECTIFY THIS ISSUE PLEASE CONTACT ME XXXX
Product: Credit reporting or other personal consumer reports

Despite our previous discussions and assurances, it appears that the fraudulent items have not yet been removed. This continued presence of unauthorized charges is not only concerning but also poses a significant inconvenience and financial burden to me. 

I want to reiterate the urgency of this matter and the importance of promptly resolving it. These fraudulent charges not only impact my financial stability but also erode the trust I have in our business relationship. 

Therefore, I kindly request that you take immediate action to remove the fraudulent items from my account and provide me with confirmation once this has been completed. Additionally, I would appreciate any insights you can offer regarding the investigation into these unauthorized charges and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : 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: Vehicle loan or lease

I am writing this letter in order to request your help and understanding. Back in XXXX, XXXX [ when the negative items was listed ], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account ( listed above ) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money. 

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have been getting alot of calls from debt collectors. So, I went online to check my credit. I have several accounts that I did not authorize or approve of. There was also a different social security number, names, addresses, phone numbers, and employment information that I have no knowledge of. Some of my personal information was stolen years ago. I didn't think anything of it till recently. I filed a police report and I've been disputing with all three bureaus. They have yet to do anything about the fraudulent information. I will attach the police report, identity report, and proof of identity. Im listing the account that has not been resolved. 

XXXX XXXX XXXX XXXX account number : XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to speak to XXXX XXXX  about my Debt collection account. There is a number listed for XXXX XXXX  but after speaking to the agent it Was more of him trying to help me with a debt I ask if this was XXXX  XXXX  twice and both times was confirmed after giving the last 4 digits I was asked for a {$1.00} payment to get help with this issue. This is fraud because I asked if this was XXXX XXXX. I am worried about my social number and I was asked To push a Link. There number was XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal dispute letter to Equifax Information Services LLC regarding multiple inaccurate late payments reported on my credit report. The specific accounts and reported late payments are as follows XXXX XXXX XXXX ( Account Number ending in XXXX ) : Reported Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number ending in XXXX ) : Reported Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These reported late payments are inaccurate and unverifiable. I did not provide consent nor verify the accuracy of these late payments to be reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), consumer reporting agencies are required to delete or correct information found to be inaccurate, incomplete, or unverifiable. Despite my request for immediate deletion, Equifax has failed to address and correct these inaccuracies, causing financial harm and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, XXXX, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Product: Credit card or prepaid card

Was offered a zero percent ongoing rate for cash advances by paying 4 % up front by Bank of America. I used the option advance XXXX and paid the one time fee. Then this month I was charged interest on balances I had not carried for 30 days because of the cash advance dollars used. So now I am paying daily interest prior to the 30 days on any charges because the 0 % cash balances are showing as unpaid balances. So in addition to the XXXX 4 % fee I paid, I just had to pay XXXX  dollars in interim interest I would not have us to pay if I did not use the 0 % advance. I will now go in and pay off it in its entirety after having paid them XXXX so I do not have to keep paying them $ XXXX a month for interim interest. It is a very deceitful practice to present it as a promotion that benefits the customer.
Product: Credit reporting or other personal consumer reports

navy federal credit union is reporting a late payment on XX/XX/2022 for a credit card payment I never paid late and always paid as agreed. I have contacted the numerous times to correct the information and I have not received any updates. its been months and this is severely impacting my ability to buy a house for my family... any help would be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 agencies can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I was sent two unsolicited credit cards, a visa and an XXXX XXXX. I have been trying several days to cancel the credit cards and each time I have been transferred over 3 times and have waited several hours just to speak to a fraud representative. After calling over 3 times, the bank has still been unable to cancel the cards. I would just like to reiterate these cards were unsolicited.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  giving my credit report to companies without my consent. 
companies accessing my report without my consent These companies illegally pulled my credit unnecessary and with out my approval XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX  XX/XX/XXXX Td auto, on XXXX  XX/XX/XXXX XXXX XXXX, on XXXX  XX/XX/XXXX XXXX XXXX, on XXXX   XX/XX/XXXX on
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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. C, 1681s-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.