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

There is fraud on my account. I did not authorize any credit reporting on my report. 12 CFR subsection 1022.3. Anything added to my credit report without my knowledge is fraud. There are a lot of discrepancies on my credit report which needs to be fixed.
Product: Credit reporting or other personal consumer reports

I reached out to the credit XXXX and XXXX regarding this identity theft Acct being added back to my account. I was told by an manager at XXXX that XXXX provided them with evidence that the account is mine. When I asked to be supplied with the same information I was told that the information could not be provided to me and that the account would remain on my credit profile. On Tuesday XX/XX/XXXX I was given a number by the XXXX manager to call XXXX at XXXX. I spoke with a manager there who informed me that the account was actually not mine and the information that had not matched. The manager at XXXX stated that this was a business account I am not a business owner. Mailing, Phone or email. I was told that they would reach out to the bureaus to have this information removed from my account. Yet it has been added back again today. I have been a victim of Identity theft back in XXXX. I have had an Identity alert on my account for $ years now. And all of sudden an account that is 3 years old from an business is reflecting on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was open fraudulently I have uploaded my identity theft report and a copy of XXXX  XXXX  contact information
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$85.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX (XX/XX/XXXX( XX/XX/XXXX XXXX ) XXXX (XX/XX/XXXXXX/XX/XXXX ) (XX/XX/XXXX XXXX ) It doesnt bring up an account number for me however I know if its looked up, we can find it.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting XXXXXXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am XXXX XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I made the on-time payment last 5 years some how the band didn't post payment on time make my credit file 30 days let payments. I have called them told me that they going to remove it but never did. 
XXXX XXXX XXXX First of all this balance is Closed. {$2.00}, XXXX written off. which is an incorrect amount is {$2000.00} only we dispute regarding the product is not what they mention
Product: Debt collection

We did a pay to delete to a collections company ( Credence Resource Management ) in regards to our XXXX account. We made sure to make the agreement as we were paying the bill in full ( {$360.00} ) on XX/XX/2020. We were told we would receive a deletion letter for our mortgage lender as soon as we made the payment. It is now XX/XX/2020 and we have NOT received the deletion letter and the account has NOT been deleted from the credit report. It shows paid in full, but HASNT been deleted, as promised. We were told that it would be electronically deleted as soon as the debt was paid. We have made repeated phone calls ( at least 3 calls, every single day ) and spent hours on the phone with both XXXX and Credence Resource management and have been told every time that we would receive the deletion email within an hour or this afternoon or by the end of the day. At that point we ask to speak to a supervisor or manager to expedite the process and each time weve been hung up on. This has happened several dozen times. 
Credence Resource Management has had the most disrespectful representatives and theyve been nothing but extremely rude and unhelpful. Ive been cut off each time Ive tried to explain our situation. 
The XXXX representatives have promised to help, transferred us back and forth, put us on hold for hours at a time, and ultimately resolved nothing. 
By making the payment and the agreement being a pay to delete we assumed they would be immediately deleting the account from the credit report, which we were told they would do.
Product: Credit reporting or other personal consumer reports

Accounts Involved : *Department of ED and any of the following 3rd parties : XXXX XXXX XXXX XXXX XXXX Assistance These accounts are reporting information protected by the Privacy Act of 1974, which prohibits : A ) sharing of information to 3rd parties without consent from me, the consumer, to the 3rd party directly. 
B ) sharing of transaction history without consent. 

These accounts are reporting information protected by the Family Educational Rights & Privacy, which prohibits : A ) student information shared with 3rd party companies ( loan, payment history, transaction history, attendance dates ) ; NOT falling into any of the categories listed by FERPA allowing such information to be shared ; NOT falling into any of the categories listed by FERPA outlining what entities ARE allowed to receive such information. 

In addition to the aforementioned Privacy Act of 1974 violation, this act also prohibits government agencies from taking actions with consumer information, which are not outlined in agency forms presented to me the consumer.

These accounts are reporting information protected by 15 U.S. Code 6802, which prohibits nonpublic personal information to be shared to nonaffiliated 3rd parties ( including, but not limited to credit reporting agencies ) without consent of me, the consumer. 

There are also items reporting closed that are still negatively reporting on my credit.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. My Experian Report is reflecting accounts fraudulently. 

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have included the following documents as proof of my identity and the identity theft : A copy of my government-issued ID ( drivers license or passport ) A copy of a utility bill, bank statement, or other proof of current address A completed Identity Theft Report filed with the FTC Affidavit of Truth ( attached ) This account was opened without my authorization, and I have not given consent for any activity associated with this account. The FCRA mandates that accounts resulting from identity theft be removed from a victim 's credit file.

Please notify me promptly once the requested actions have been taken or if additional documentation is required to resolve this matter. I can be reached a XXXX. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Mortgage

SPS has taken advantage of us twice. We are 3-4 months behind on payments because they messed up on a MOD that they will not correct. I have written a letter to XXXX XXXX today letting him know we want help.We just want them to correct their mistake and catch up out payments. They raised our interest rate 1.5 % in a new MOD. We didnt find that out until we made our trial payments. When we complained we went into review. Nobody told us to make payment while in review. Long story short if they would listen to their recorded calls theyd know they caused this. We 've been taken advantage of enough! Im tired of trying to catch these payments up with NO help!
Product: Debt collection

XXXX XXXX PRESENT Sent Certified mail in XX/XX/2019 to try and have them validate that the debt is mine. I sent my signature and Id
Product: Vehicle loan or lease

Date XX/XX/2024. After many attempts to pay on time when Mazda Financial Services delays statement by two weeks and then can not clear check withing 15 days on time ( I sent next day when I received statement ) It was suggested to me to use to use Mazda Financial Services application. However, I noticed ( and I ma payments and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that mobile application activation e-mail uses non-secure HTTP protocol which proves why I preferred to use paper check over suspicious application that might expose financial information of customers. 

Here is the link that was sent to me to activate account ( few characters changed for security reason, but I can provide original link in full ) : XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone use my personal information to opening checking and banking accounts.These are fraud accounts open in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX XXXX  XX/XX/2019 inquiry date Did not approve of it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries from the XXXX XXXX XXXX XXXX that occurred between XX/XX/XXXX and XX/XX/XXXX, yet I have no financial business with them and never have. I am self employed but not a small business.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Student loan

I graduated from college in XX/XX/2001 and my repayment began 6 months later. Over the past 20 years I have pretty much been on an Income Reduced payment plan with some periods of forbearance due to returning to school. I am a Federal employee and tried to get the civil servant forgiveness program. After giving the necessary paperwork I was informed that I didnt have enough time and needed to wait until I reached my 10 year service mark. I did just that. THEN I was told after 10 years service that I didnt have the " right loan ''. After 19 years past graduation I was told I had to get a different loan to qualify for the forgiveness ... so I got the loan they stated was needed. I called back and said ok ... I got the right loan and 10 years of service!! Then they tell me that the clock started over again!!! Are you kidding me?? I then inquired about something I read about loan forgiveness after 20 years ... .they said yes, that's true, but because you refinanced the clock started over. So, you're telling me that at 19 years post graduation you instructed me to refinance INSTEAD of instructing me to continue to pay for only 1 more year? This is shady business. When I retire in 10 years will I still have the same loan hanging over my head because you keep only giving bits and pieces of information?
Product: Credit reporting or other personal consumer reports

My account was placed in forbarence due to IDR suspension of processing applications and the loan servicer XXXX reported to the credit bureau I was 90-119 days delinquent when I was not. The servicer has said they do not handle remarks made on the credit report however they failed to report that my account is in a forbarece status. This caused my credit score to drop over XXXX points. They refuse to revise their reporting to the bureau.
Product: Credit reporting or other personal consumer reports

Unauthorized personal information has been used for personal credit Please remove inquiries.
Product: Credit card or prepaid card

I have had a {$10000.00} limit for years. I have had no delinquencies and have never gone over my credit limit. My credit score has been under 600 for over a year. I paid {$1500.00} on my balance on XX/XX/XXXX and on XX/XX/XXXX my credit limit was decreased to {$1600.00}. The Home Depot credit card customer service supervisor said it was just coincidental. I explained to her I paid the {$1500.00} and also paid other cards off/down in order to increase my credit score, and that by lowering my limit they are preventing that, and for them to drop my limit that low was ridiculous, even the first customer service rep made that remark. Her solution was I could request an increase which means they would need to run my credit. She could not explain how they lowered my credit based on my credit report but would need to run my credit again to raise it. They just ran a report supposedly when they lowered it.
Product: Debt collection

I called and requested additional information to validate the account that is on my credit report. I told MCM that they keep sending credit card statements and that does not tell me anything saying it 's my account. I request MCM to send me something with my signature indicating that i signed for the alleged debt and they told me the only thing they received when the purchased the debt is a credit card statement. I was also told by the rep that by law they dont have to send me any additional information to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Equifax and discovered multiple unauthorized inquiries that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX  XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; and XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an COMPETENT LEGAL BINDING verifiable AND PROVIDE THE NAME OF EACH PERSON YOU SPOKE TO PROVIDE THE DATES TIME OR ANYTHING PERTAINING TO THIS MULTIPLE UNAUTHORIZED INQUIRERS into XXXX XXXX to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report effective immediately and provide and updated report to my only mailing address that should be listed as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Delete any other addresses listed that should not be on my report effectively immediatley. But if XXXX XXXX BANK XXXX ; XXXX XXXXXXXX XXXX ; XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX, is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted e-oscar verification or any automatic verification is not warranted. 

Thanks in advance for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Violation of FCRA by Citi Bank for Reporting Inaccurate Information Credit Reporting Agencies Involved : XXXX XXXX XXXX Account Information : Account Name : CITICARDS CBNA Account Number : XXXX Type of Account : Secured Revolving Credit Card Complaint Description : I am writing to file a formal complaint against Citi Bank for violations of the Fair Credit Reporting Act ( FCRA ) due to the continuous reporting of inaccurate information to the credit bureaus, despite numerous attempts to correct these inaccuracies through disputes. 

Details of Violations : Inaccurate Reporting : Citi Bank continues to report inconsistent and incorrect information about my secured credit card account across XXXX, XXXX, and XXXX. Despite the secured nature of this account, indicating that no money is owed, Citi Bank reports a balance and past due amounts. 
The reported high balances and past due statuses vary significantly between the credit reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Attempts : I have filed multiple disputes with all three credit reporting agencies to correct these inaccuracies. Despite these efforts, Citi Bank continues to report incorrect information, in violation of the FCRA 's requirements for accuracy and timely correction of disputed information. 
Statute of Limitations : The account in question is past the statute of limitations for debt collection in North Carolina, which is three years. The last reported activity on this account was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX  XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX XXXX and I will attach the documents. Also, the amount that XXXX XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$8400.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. The account I had with XXXX XXXX was in XXXX Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App card and company ( XXXX. inc ) due to inadequate customer service and unfair practices ; which violates the Consumer Financial Protection Act. To be specific, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and very unprotected. Furthermore, their dispute resolution process was unfair and very deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.