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

I DO NOT consent to any automated scan response or XXXX XXXXXXXX verification methods. 

I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute incorrect reports provided by XXXX XXXX XXXX. XXXX XXXX showed several discrepancies between the XXXX reporting agencies : XXXX and equifax continue to report different balances than XXXX. Has missing, incomplete and inaccurate data reported for several months. All Burueas continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities. 

I requested the following information from you : The amount you claim owed. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule I was not provided this information as requested, and per law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXXXXXX  ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 9 months have passed with no acknowledgment or corrective action taken by XXXX. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. The true bill for your company 's negligence and FCRA violation is attached. Payment is to be remitted to the address listed on the invoice.
Product: Credit card or prepaid card

Visa card herein reference has not been re - open for services Advise to reach out XXXX President Sincerely, XXXX XXXX Senior Customer Care Specialist U.S. Bank XXXX Customer Service Enclosure CC : Consumer Financial Protection Bureau
Product: Debt collection

I created an account to monitor my credit and was surprised to see a collection from credit collection services which dropped my score significantly. This collection was paid in good faith with the understanding it was to be deleted from my credit profile with each bureau. I would like this collection deleted due to erroneous collection tactics.
Product: Checking or savings account

I joined a promotion of XXXX XXXX XXXX  in XXXX in Citi Bank XXXX XXXX XXXX, that is I deposited {$50000.00}, I can get a XXXXXXXX XXXX XXXX it cost around {$250.00}, the bank promised I can get it before XX/XX/XXXX, but I didnt get it at that time, when I got to the XXXX XXXX XXXX, they told me they dont have it for me. I went to the branch many times, they said there is no guarantee, this bank have many fraud, misrepresentation advertisement. 
The location of this branch : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Phone number : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX are furnishing data from XXXX XXXX for a bankruptcy and the courts have stated they did not provide this information to any of these entities.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I got a car loan thru XXXX Santander, keep in mind the only loan that I was easily able to get.I was new to the car buying so I had no clue about interest rates blah blah.Anyways the first year and 2nd year in XXXX I was always on time every though every other day I was harassed with phone calls from Santander to pay a payment that was already paid.I started to struggle making payments when I just started to struggle a lot paying the loan.Its like every other day I was being told I owed them and didnt know why.So that cause me to start being late sometimes months.XX/XX/XXXX I paid over {$1800.00} I didnt even have which had me go homeless for awhile I just couldnt afford it.I went into a deep XXXX and was struggling all cause of this loan I couldnt pay my other bills on time.i found out they charged off my account thru my credit report.I called them and they told me I had to pay {$2300.00} to bring it back to current and stop the rep and I did! Once again.They called literally the next day again on XX/XX/XXXX saying I owed XXXX for XXXX and XX/XX/XXXX.Its just gotten to the point where this is unfair and I had to see what is going on with this.The price I financed the car for is what I owe on my credit.Which mean all this money that I been paying for this car since XX/XX/XXXX has gone to what?? Interest alone? Im just confuse, frustrated, struggling and feel XXXX! I need help cause Im stuck dealing with this car loan its XXXX  and a nightmare to go thru! They lie and manipulate me into paying then after they get my money they call the next day saying I owe again when I just payed them!!! They are XXXX! And what there doing is unfair
Product: Debt collection

On XX/XX/2022 I purchased a sofa and recliner from XXXX XXXX XXXX through a leased to own company called Acima. 
I received the sofa on XX/XX/2022 the recliner was on back order and to be delivered by XX/XX/2022. 
Acima offers a 90 day same as cash option for lease items, I paid my lease on XX/XX/2022 well within the 90 days. I did not receive my recliner the furniture store kept pushing the delivery date out further than expected so I decided I did not want the recliner due to it not being delivered in reasonable amount of time as promised. 

I contacted Acima on XX/XX/2022 to request a refund for the recliner the customer service rep. told me it was out of their hands since the lease was paid and closed, and referred me back to furniture store. I contacted my credit card compony on XX/XX/2022 and filed a dispute for {$890.00} for the recline I did not receive. I contacted the furniture store on XX/XX/2022 and informed the of the I wanted a refund for the recliner they agreed. 
On XX/XX/2022 XXXX refunded my total final payment of XXXX I did not ask for nor did I dispute that amount. 
Now Acima has reopened without my consent, the lease that I paid in full over a month ago and trying to say the account is in collection.
Product: Mortgage

Mortgage servicer does not correctly advise POA actions. Forms are not properly prepared to include POA instructions as a result forms can be sent in XXXX to 4 times before it is in the correct format they need. XXXX is a very common status with this mortgage servicer. As a mortgage servicer they need to get their at together. They are number at inconveniencing their customers.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXXXXXX Please remove the following Fraudulent hard inquiries from my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights . Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX  years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

Back on XX/XX/XXXX we did a Loan Modification on my home. At the time that the modification was done the principal balance was around {$190000.00}. But, keep in mind that when Freedom Mortgage took over the loan XX/XX/XXXX my principal was {$190000.00}. So, when the loan was modified back on XX/XX/XXXX my principal balance was {$140000.00} and {$58000.00} was put to a Subordinate Note. Adding that up come to {$200000.00}. That is more than the original principal balance of {$200000.00}. 
When all the paper work came to me from XXXX XXXX the only things was the Subordinate Note and Subordinate Instrument. NEVER HAVE WE GOT A FEE BREAK DOWN SHEET OF ANY SORT. I HAVE TRIED TO CALL LOANCARE BUT NO ONE WILL TALK TO ME, THEY TELL ME TO CALL FREEDOM. WHEN I CALL FREEDOM MY CONTACT PERSON DO NOT UNDERSTAND WHAT I AM TALKING ABOUT. AT NO TIME I WAS TOLD THAT ADDITIONAL MONEY WOULD BE ADDED TO MY LOAN. ONCE AGAIN, WE NEVER GOT A BREAK DOWN OF THE FEES EVEN WHEN WE RQUESTED THE INFORMATION AGAIN. 
Please understand that LoanCare, may have done a fraudulent and or misrepresentation on your behalf. This will sever as notice to you. And a copy of this is been sent to Loancare as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union CorpXXXX, XXXX. XXXX ( XXXX  XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

i have already disputed the items below on XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/XXXX, but the bureaus did not remove them. 
Under Sec. 602 States i have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX INQUIRIES CXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX ) XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
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. 

XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX 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 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 to any 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

I have not received any information on how you have verified the erroneous information and alleged account attached in Exhibit XXXX Therefore, I request that you consider this as a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from the affidavit attached. ) ******
Product: Credit card

I received a statement from American Express for {$600.00} that is not the result of any purchase whatsoever. It was a dormant account that american express used to generate late fees and membership fees with no actual usage. Over the phone American Express said they can not even find any purchases as they could see in there system.
Product: Checking or savings account

Consumer XXXX On XX/XX/2022 XXXX was not added to my BOA account Later found out account was closed when I tried to log in
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the verification status of certain accounts on my credit report, specifically those associated with the merchant XXXX. 

Despite my repeated inquiries, I have not received satisfactory verification from XXXX regarding XXXX accounts listed under my name. When I reached out to Upgrade for clarification, they indicated that the accounts had been sold and advised me to direct my questions to the new account holder. However, the new account holder has not reported these accounts due to a lack of proof of verification, leaving me in a difficult position. 

I find it alarming that Experian continues to mark these accounts as verified without providing any clear documentation or evidence that they are indeed attached to my Social Security number. This situation raises serious concerns about the accuracy of my credit report and potential violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that Experian provide me with all documentation that XXXX submitted to support the verification of these accounts. It is crucial for me to have this information to understand how these accounts were opened and to ensure that my credit report is accurate. 

I appreciate your prompt attention to this matter and look forward to your response. 

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

XX/XX/2022 Credit reporting agencies were put on notice of fraudulent accounts & incorrect information on consumer reports
Product: Credit reporting or other personal consumer reports

Heritage Financial Credit union zeroed out my credit card without notice to the consumer.

Heritage Financial Credit then sent my information to a 3rd party service provider without given the consumer the chance to opt out or explain what was going on. 

I began getting phone call back-to-back every other day from Elan financial services saying that I owe them money for credit card. I never herd of Elan financial services in addition I do not have a contract with them. I have spoken with Elan financial over the phone and asked them to send my personal information back to Heritage financial credit union. I have no idea whets going on and since my personal information has been shared with this company. I have been harassed by them day and night. I never had issues with Heritage Financial credit union, I made my payments on time and was never late over 30 days. I would like to file a lawsuit against Elan financial, they have caused me to have emotional stress and can't sleep at night and now they have reported incorrect information on my credit profile. Heritage has not provided me a chance to opt out- Elan financial services has violated my rights under the FCRA . Violations are several from this company and Heritage financial credit union. Gave no time for consumer to gather all information to make a decision.
Product: Money transfer, virtual currency, or money service

I did a wire transfer 6 weeks ago inside the Bank of America XXXX XXXX bank. The guy who I gave the information to transcribed two numbers incorrectly and didn't notice til I came back a week later asking why my wire transfer had not gone through. So it seems they dropped it in someone else 's account is what they say and they can't get it out. It's been 6 weeks, its not been fixed and they have NOT reimbursed my money to me. They don't return calls and I've spoken to the branch manager, her boss and Bank of America corporate department with NO help whatsoever. Also- I've been a client for 22 years, have bought houses, cars, etc there and this is how they treat you when THEY make a mistake. They are completely incompetent.