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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 or other personal consumer reports

XXXX, XXXX, and Equifax are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Ref No.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Transunion ( Tracking Number : XXXX ), which was received by XX/XX/22. I was requesting an investigative consumer report for the accounts they said was verified on my consumer report. Transunion has corresponded on XX/XX/22 with a response unrelated to my dispute! I'm aware of the stall tactics that Transunion uses in regards to the time allowed by law to response to disputes. Not only they are ignoring the 15 days I gave them to respond to my dispute to what I was requesting, they are furnishing accounts on consumer report without my written consent pursuant to 15 USC 1681b ( a ) ( 2 )!!
Product: Vehicle loan or lease

Actions taken by company - Fill out and submit a Fraud Claim to Capital One Auto Finance ( COAF ) Risk Management. 

Auto loan taken out with - Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX XXXX For additional information : XXXX, option XXXX, extension XXXX Car Loan taken without my knowledge for a XXXX XXXX XXXX, color unknown. 
License plate - Unknown. XXXX XXXX XXXXXXXX. 
Loan Open Date : XX/XX/XXXX. Account Number : XXXX Original Loan Amount : {$32000.00}. Loan Term : 72 months. 
Monthly Payments : {$720.00}. Original APR : 17.75 % Application ID : XXXX Total Principal Paid : {$21000.00} Total Interest Paid : XXXX I did not take out this loan. 
My residence when loan was taken : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX York NY XXXX Currently reside in XXXX, XXXX XXXX, SC XXXX
Product: Checking or savings account

I called my bank Truist to make a few disputes. They did not give me any disclosures regarding the disputes. XXXX of my disputes that I have proof and receipts for was denied, and I asked for Truist to reassert and reopen my dispute, and they said that they could not I believe it is my right to dispute a transaction simultaneously, they even referred me to the merchant. I filed a complaint that day they should have it in their system. Currently I do not see that they filed the new dispute that I asked them to.
Product: Debt collection

Delete In accordance with the fair credit reporting act XXXX account. XXXX XXXX # XXXX balance {$51.00} XX/XX/XXXXXXXX XXXX XXXX # XXXX balance {$890.00} XX/XX/XXXX XXXX XXXX XXXXr # XXXX XXXXt XX/XX/XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXr {$520.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXXXXXX XXXX XXXX  {$280.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$860.00} XX/XX/XXXX XXXXXXXX  {$710.00} XX/XX/XXXX HAS Violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 
15 U.S.C 1681 Section 604A. 2 : It also states a consumer reporting agency instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act. List of accounts below have violated my rights to privacy. Under 15 USC 1681. Section 602A. I have the right to privacy.

15 U. S. C-section 604 A section 2 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 in report containing the following items of information, other than the convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 A1 A person shall not furnish any information relating to a commercial reporting agency if the person knows or has reasonable cause to believe information is incorrect. 

We bank 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
Product: Debt collection

I am writing to bring to your attention a concerning issue I have encountered with XXXX XXXX, particularly regarding the handling of a stolen phone and the subsequent fraudulent activity on my credit report. 

On [ Date ], I placed an order with XXXX XXXX for a phone. Unfortunately, the phone was stolen before I could receive it. I promptly informed XXXX XXXX of the situation and was advised that XXXX, the shipping company, would cover the cost of the stolen phone. However, XXXX XXXX claimed that I reported the theft too late, thus absolving them of responsibility. 

Furthermore, I would like to address an additional matter regarding XXXX XXXX XXXX. I procured a phone through XXXX XXXX XXXX using my business 's Employer Identification Number ( EIN ) and business credit. At no point during this transaction did I provide my Social Security Number ( SSN ). It is crucial to note that the account was opened solely under my business 's name and EIN. 

To my astonishment, I recently discovered that XXXX XXXX had sold the alleged debt to Sequium Asset Solutions, which subsequently reported it to credit bureaus as a collection item. This act is not only erroneous but also fraudulent, as I never provided my XXXX during the transaction with XXXX XXXX XXXX. It is evident that my credit has been unjustly tarnished due to this unauthorized activity. 

I am deeply concerned about the lack of accountability and integrity displayed by XXXX XXXX in handling these matters. Their failure to acknowledge responsibility for the stolen phone and their subsequent sale of purported debt to a third party without my consent or valid grounds are clear violations of consumer rights and fair business practices. 

I am requesting your assistance in investigating this matter and ensuring that appropriate actions are taken to rectify the situation. Specifically, I am seeking the removal of the erroneous collection item from my credit report and the cessation of any further unauthorized actions by XXXX XXXX or its affiliates. 

I have attached copies of relevant documentation, including communications with XXXX XXXX and credit reports highlighting the fraudulent activity, for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues.
Product: Credit reporting or other personal consumer reports

-I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

3. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine please delete. 

4. 1. Account Name : XXXX BANK Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my EXPERIAN account. Please provide proof of the past due 30 days XXXX time update the this account to Paid or paying as agreed. 

5. Account Name : XXXX XXXX  Account Number : Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX, EXPERIAN & XXXX account. Please provide proof of the XXXX late and update the paid or paying as agreed status on this account. 

6. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I used Paypal to send my friend and her husband, in XXXX {$7700.00} to start a business.They were going to use the money to buy a used vehicle and equipment to get started.Paypal told them they could only withdraw {$500.00} per day and they did for 3 days and then Paypal froze the account so they could not get any more money and they can not send it back to me.I linked my credit card to my Paypal account, because I figured I could pay the monthly mininum payment and would not have to take money from my actual bank account. 
On XXXX XXXX I sent them XXXX XXXX using XXXX because her husband was going to fly out the next day to XXXX to by a car for the business and had to have the money.Cars are a lot cheaper to by in XXXX than XXXX.That money came from my bank account which I would not have used If it was n't for Paypal.
Product: Mortgage

pnc bank bought the original lone from XXXX XXXX my loan is going back to 2002 payments were made correctly every month all of a sudden I get a letter the loan is due in full I made numerous phone calls to a man by the name XXXX XXXX to whom the bank said I can only talk to him and demand to show me why the loan is due as of today I still did not get it at the end on XXXX XXXX I paid of the loan in full to add insole on injury pnc bank goes & reports on XXXX XXXX as a 60 day loan
Product: Credit card or prepaid card

I disputed ALL XXXX XXXX charges to my credit card on XX/XX/XXXX and wrote XXXX XXXX a letter terminating all service agreements with them on XX/XX/XXXX when I realized that XXXX XXXX is a fraud and I had been scammed. They never intended to fulfill any of the services I paid for. Chase has yet to credit my account with XXXX of the XXXX charges -- {$5000.00} and {$15000.00}, providing me with phony excuses from the merchant after I disputed the charges continually for FOUR months. I did not receive ANY service nor product from XXXX XXXX and requested refunds of the two highest charges. Today Chase wrote me that it has been too long since the charges were made, so the merchant doesn't have to refund my money. The length of time since the charges were made is Chase 's fault! They have been stalling for FOUR months! I immediately responded to them with an EIGHTH letter rejecting their alleged " resolution. '' The result is that, not only was I scammed by XXXX XXXX and suffered THAT traumatic experience, I am being scammed by my own credit card company who refuses to credit my account for charges for which I never received anything and had canceled. The anxiety and trauma has continued for FOUR and a half months! 

I've attached a full report on Chase, entitled " FTC JP Morgan Chase Report '' and I've attached all the documentation I provided Chase since XX/XX/XXXX proving I was scammed.
Product: Debt collection

This he insurance company   XXXX   try to make me paid 6 months in advance when the try to increase my police s 300 time. So I look for better options and I get   XXXX  . After 8 year with  XXXX  I will Never come back to th em, they never make me sings any contract they can not force to pay a service in advance when I never received any kind of service. I told them show me any contract even though email or verbal, and they said we will send you to  Colection  this is not right. I 'm try in to purchase my first home I really take care of my credit. This is and ilegal procedure of this gigantic company. The send me a letter to do my claim I fielded and they deleted and few weeks they do it again.  <P/> Thank you.
Product: Debt collection

In XXXX XXXX I found out someone had rented an apartment in my name XXXX XXXX XXXX in XXXXXXXX XXXX who said I owed {$3900.00}. I then contract the collection agancy which is NCC Business and informed them that it was not me. I was told by an repersentive at this company that I need to send a email giving them permission to send information about this account through email which I did. I never recieve anything or heard form them again. I then was trying to rent an apartment in XXXX XXXX. And was told by the complex that I owed another complex money. This is when I saw that it was been reported to XXXX and XXXX XXXX, I contract both reporting agency put in an dispute, XXXX responded and said the debt was mine. I then contracted the oringinal credtior on XXXX XXXX, XXXX who 's name is XXXX and I did a Dispute XXXX giving them a police report. They never responded so once again I let the NCC Business company know that there was no answer. And how if I was not getting an answer how were they. NCC would not let me know who was they contract at XXXX,. I reached back out to NCC Business and sent them my XXXX report and a photo ID. NCC Business then told me they would send this information to XXXX. And XXXX had thirty days to answer. this was on XXXX XXXX, XXXX. I called XXXX XXXX again on XXXX XXXX, XXXX an spoke with a supervisor by the name of XXXX XXXX who told me that XXXX responded and said that the debt and the ID match.So I called the local XXXX office on XXXX XXXX and was told to call their customer care office in XXXX Once reaching out to XXXX customer care department on XXXX XXXX I was told by a repersentive who 's name is XXXX who is the person you speak with when you are trying to pay a debt or dispute a debt for that area which is Georgia. XXXX told me that they never recieved any paperwork from XXXX XXXX about the debt. And if XXXX did send it to us it would be no way to verify because we no longer own the apartments. And also we do not have your ID on file. I called NCC back on XXXX XXXX, XXXX spoke with XXXX XXXX again told him what was told to me and asked again who or where did he send the paperwork and XXXX XXXX still had no answer for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit report every year. Each year I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. XXXX, XXXX, TransUnion, and XXXX.
Product: Mortgage

I recently refinanced my home loan through Rocket Mortgage. One of the incentives to use them was a {$2000.00} credit to my XXXX card once i closed. XXXX closed on XX/XX/2022. My has called numerous times to Rocket customer service to inquire on the credit since we had not received. We were continuously advised that we needed to allow 8-12 weeks to receive but that we were eligible. I called XXXX on XX/XX/2022 and they advised they were aware of the problem but that Rocket had not notified them of my loan. In speaking with a Rocket Rep today ( the XXXX week ) my wife was advised that we were not getting the credit, even though we had been advised several times that we would. My wife was told that we were given the {$2000.00} credit at closing and that it was on the closing disclosure. The closing disclosure shows a {$2000.00} credit but nowhere does it say anything about XXXX or were we advised that is what that credit was for. A closing disclosure should detail the credit as my wife advised teh rep. The rep only reply was that she could send an email stating that was what the credit was for. I simply can not understand how i am how supposed to just take the Reps word when several other reps advised we were due the credit on our XXXX card account. Sounds like a bait and switch to get our business. We were told over and over again that we would receive the credit, even after closing and now they claim we already got it. The line item on the closing disclosure does not show XXXX. A page of teh closing disclosure is attached for review. the credit is on the lower right of the page.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC code1681b Section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written instruction. Under the 15UFC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX - XXXX
Product: Mortgage

Ive not worked since XXXX of 2020, my mortgage company attempted to defer payments, however, I was not receiving unemployment, so I had no income to pay the taxes and service fees to defer payments. They are now threatening to foreclose on me. I am still unemployed, looking for work, and receiving unemployment. I am doing my best to get caught up, but they arent working with me any longer.
Product: Credit reporting or other personal consumer reports

The XXXX account on there is a overdraft protection account my XXXX account been closed since the data breach my card no longer works meaning I can't have a credit account getting marked late if I don't have an existing XXXX account anymore it need to be removed my debit card as a credit card the debit card is closed
Product: Vehicle loan or lease

I am writing to dispute the following information that Infiniti Financial Services provided to XXXX. 

This 30-day late payment is inaccurate because I was setup on automatic payment draft and my payment should have been drafted. 

Furthermore, I spoke with an associate at Infiniti on XX/XX/19 when I noticed that the website was showing me past due. This associate spoke with me on a recorded line and confirmed more than once that I would not be considered 30 days late because I called and made both payments for XX/XX/XXXX and XX/XX/XXXX on the 30th day. 

I am requesting that Infiniti Financial Services pull this recording for verification and have the 30 day late removed from my credit report to correct the information. I have always paid on time with them and I have excellent credit. 

After I heard back from Infiniti Financial Services that they were not going to remove the late mark on my credit. I sent a certified letter on XX/XX/2019 requesting that they re-review. I sent it to this address : Infiniti Financial Services Attn : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Texas, XXXX, but have not heard back and my credit score dropped significantly due to this 30 day late mark. Over 40 points.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the negative impact of your recent consolidation process on my credit report. Specifically, Account XXXX : Dept of ED  : XXXX, XXXX, XXXX, XXXX. 

XXXX : XXXX, XXXX, XXXX. 

XXXX : XXXX, XXXX, XXXX discrepancies. 

These inaccuracies have significantly damaged my XXXX XXXX and limited my financial opportunities. I believe this is a violation of my rights under the Fair Credit Reporting Act. 
I have attempted to resolve this issue directly with XXXX, but to no avail. I kindly request that you take immediate action to correct these errors and restore my credit report to its accurate state. 
I would appreciate a timely response and resolution to this matter. If the issue is not resolved promptly, I will be forced to escalate the matter to the Consumer Financial Protection Bureau and other relevant authorities. 
Thank you for your immediate attention to this urgent matter.
Product: Money transfer, virtual currency, or money service

I started randomly getting emails from chime but I dont have a chime account. The company has ignored me when I tried reaching out to find out why Im getting emails. Now I got an email that I apparently sent someone money I dont know. I think chime illegally opened an account with my email and they refuse to close to.

Ive just be ignoring and deleting the emails but now Im concerned.

Please help.
Product: Checking or savings account

Wells Fargo denied an unauthorized transaction case I reported and decided to take back the money they credited to my account and said the transactions were authorized. 

The claim is # XXXX. 

These transactions couldn't have been me at all. I haven't left the United States or made any purchases in XXXX  XXXX XXXX. Can some of you guys please look into this nonsense and do something about it? I didn't have this debit card in my possession at the time, neither did I have my wallet or belongings such as my phone ( which was also lost ). 

The fraudster used {$4400.00} of my money all in a few hours. This is way outside of my normal spending limit and activity. I called Wells Fargo and the agent said they couldn't reverse the decision. This is insane and absurd. Can someone do something about this????