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

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

Account Name : # XXXX XXXXXXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX 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 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 or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : 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 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: Checking or savings account

I opened my Citi Accelerate on XXXX XXXX under the bonus terms as stipulated in the Welcome Package I received from Citi. I qualified for and completed all four activities and should have receive my {$450.00} bonus by XX/XX/XXXX at the latest. I still have not received it. 

I contacted a representative ( XXXX ) about the matter on XX/XX/XXXX. I received an on line notice today stating that my account was never linked to the promotion and therefore, I did not qualify for the promotion. 

When I opened the account the agent stated that it was opened with the promotional bonus plan, and that is why I received the Welcome Package with pages that specifically detail the bonus schedule. I copies of the promotional bonus plan detailed in my Welcome Package as proof. These are attached to my complaint. 

Please contact Citi to payout the {$450.00} bonus that Ive earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a devt validation letter requesting they provide proof i signed a contract that states i owe them any sum of money.
Product: Bank account or service

It first began on XX/XX/XXXX- My checking account had a balance of XXXX. Later that day, Bank of America processed a XXXX transfer I did n't authorize. As a result, my account was overdrawn and I was charged XXXX for NSF fee. 
Shortly thereafter, I experienced major problems with my savings acct. 
From XXXX XXXX to XXXX XXXX, I was charged XXXX NSF fees@XXXX each totaling {$590.00}. The items presented were never cashed by B of A as I contacted the vendor- XXXX & paid them with another account. 
B of A is refusing to reverse the XXXX in NSF fees for the savings account and the XXXX NSF fee for the checking account. 
My savings account had a XXXX balance until they started applying NSF fees to my savings account. My checking account had a positive balance until they processed a XXXX transfer I did n't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing unauthorized inquiries on XX/XX/XXXX. I never got a notification or response from the bureaus so I sent another dispute on XX/XX/XXXX. Still 45 days later I haven't received any type of correspondence from the bureaus so I have decided to dispute again today, XX/XX/XXXX as well as file this complaint.
Product: Debt collection

I am writing to convey my deep distress and growing frustration regarding the persistent denial of my identity theft claim by your bureau, despite diligently following the steps and procedures you have instructed. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX Identity theft is a crime that wreaks XXXX  on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. 
I implore your bureau to recognize the urgency of this matter and the severe emotional distress it has caused. I have followed your instructions diligently and have submitted all necessary documentation. I have a right to a thorough and fair investigation of my identity theft claim.
Product: Debt collection

My complaint is with a company named American First Finance. A few years ago, I had car repairs done XXXX. I financed the repairs through American First Finance. My vehicle was never fixed, I made a couple of payments to this finance company while I tried to work out the issues of my vehicle. After having to continuously take my vehicle to this shop for numerous issues I decided to take it to another repair shop. I was informed by a different shop that I needed the same repairs that I had been told I had repaired at XXXX. Needless to say XXXX, didn't care that I had receipts from another shop showing they DID NOT MAKE ANY REPAIRS TO MY VEHICLE. None the less I reached out to American First years ago and no one ever investigated my claim. All they did was continue to send me bills. They closed the account in XX/XX/2015 and reported to the credit bureau that I made 2 payments and now the account is closed. Just recently, they keep reporting to the credit bureau that I have missed payments or late payments. They also have changed the amount I owe. I have not received any letters from this creditor stating the amount I owe or why the amount I owe went from XXXX listed XX/XX/2015 on my credit report and then from every month and year after that {$1800.00} so now its saying I owe {$2600.00} ( again ) I have not received any info from this company in regards to what I owe in over 3 years. And when you call them no one will send you anything in writing.
Product: Debt collection

My information was sold on the dark web. I received 4 for email alerts from the US government, stating there was a breach of my social security information. The company was who fraudulent opened an account, with an electronic signature, then sold it to XXXX, I disputed it with the credit bureaus, then the removed it, and XXXX sold the false info to a collection Agency, who is tarnishing my credit, with false negative reporting.XXXX  XXXX is another fraudulent false electronic signature. I would like these items removed. The collection company will not respond to sending me proof of a statement or signature for purchase. The collection company is CKS PRIME INVESTMENTS FOR XXXX. They will not respond to me after many requests, and messages left on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX student loan account was paid in full - NOT included in bankruptcy. I have a {$0.00} balance currently and was never late, yet all three still showed a balance owed and said it was included in bankruptcy. 

I submitted supporting documents from creditor to all three major reporting agencies that state this account was paid in full, yet all added the statement that it was included in my bankruptcy- but it WAS NOT! Ive asked all reporting to Please update my report with {$0.00} balance for this account or remove the misreported account from my credit report entirely. My next steps is to take legal action under FCR act!
Product: Credit card

In XX/XX/year>, I received letters from Capital One, dated XX/XX/year>, notifying me that my credit card accounts, with limits of {$300.00}, {$300.00}, and {$2500.00}, had been closed due to alleged violations of the terms of the agreement. These letters did not specify which terms were violated, leaving me without clarity on why this action was taken. I have been a loyal customer with Capital One for at least a decade, always in good standing, and have consistently paid all my bills on time throughout my relationship with your company. 

The sudden closure of these accounts has caused significant harm to my creditworthiness. For the first time ever, I now have derogatory remarks on my credit report, including missed payments, which were never my fault. These derogatory remarks have caused a substantial drop in my credit score and impacted my overall financial stability. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to ensure that my credit report is accurate and complete. The inclusion of inaccurate derogatory remarks undermines my credit reputation and standing. 

Furthermore, the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) mandates clear and transparent communication of terms between lenders and borrowers. The failure to provide an explanation for these alleged violations represents a failure to comply with the disclosure requirements under TILA. The Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ) prohibits discriminatory actions in credit-related decisions, and I believe that the lack of transparency and failure to notify me properly constitutes an unfair practice that has damaged my creditworthiness without just cause. 

This situation has also caused severe emotional distress. The damage to my credit history, caused by Capital Ones actions, is unjustifiable, and the resulting stress is negatively impacting my emotional well-being. I believe this is an infringement upon my constitutional right to pursue life, liberty, and happiness, as protected by the U.S. Constitution ( see the Due Process Clause of the Fifth and Fourteenth Amendments ). The emotional toll of this situation, compounded by the financial harm, has disrupted my ability to enjoy life and plan for the future.
Product: Mortgage

Ditech sent me a letter in XXXX letting me know my escrow was short. After hours of investigation I found out my oroginal title closing attorney never paid my taxes that were collected. I finally got that money collected and sent it directly to ditch, letting them know about the situation. Called them to notify them that was the 6 months city and county taxes that needed to go directly to my escrow. And to order a escrow anylasis a couple weeks later so that my monthly payment should go back to where it was suppose to be. They did not do as I told them, and put half of my tax money in to my principal. Now they are calling me telling me my account is delinquent, its going to effect my credit, threatening me, and saying they cant order another escrow anylasis. They are adding additional late fees etc. after I was told to only pay the regular mortgage payment, not the increased.
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 rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights. 

15 U.S.c 1681 section 602 A. States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Lender/Financial is reporting a late payment on my account. The payment was not made after the 30th day. The payment was for my XX/XX/2018. I spoke with them however, they refused to update my account.
Product: Checking or savings account

My card information and debit card was stolen and someone spent XXXX unauthorized charges on my account. 
Today they sent me a letter denying my claim, telling me that they believe the transaction was made by me or someone authorized by me. This is clearly a mistake so I called them, and they said that the decision is final and could not be changed nor appealed. I am currently out all my money and Wells Fargo will not help me. Please help me get my money back. I'm crying for help at this point.
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 consumers rights to privacy and confidentiality under 15 USC 168 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 with out 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

I am filing a complaint because I was made aware that i had a fraudulent account with XXXX showing on my chex systems file in the amount of {$340.00}. I filed a police report and have attempted to call chex systems to speak to a live person in trying to get this matter resolved and the automated system is not allowing me to reach someone. I need this fraudulent account to be removed from my chex systems file immediately.
Product: Debt collection

I am trying to refinance my mortgage. On XX/XX/2019, I contacted the collector, at XXXX XXXX, and was transferred to XXXX. I received a letter dated XX/XX/2019, which showed balance due was {$4900.00}. She insinuated they had no knowledge of that letter. I advised her I wanted to exercise the Lien Release Option. She indicated that wasn't their letter. I offered to settle the debt for {$7000.00}. She still indicated she had no knowledge of that letter and the amount due was $ 16,000+. The refinance company, XXXX XXXX sent Real Time Resolutions a payoff request, which they showed XXXX a payoff of over {$16000.00}. To the best of my knowledge and memory, Real Time Resolutions never officially advised me, via court filings, that there was a lien on my property. It only indicated that in the letters they sent. Now my refinance is more than likely lost to me because of this. They are unwilling to honor the letter of XX/XX/2019, and resolve the lien for less than the amount it secures ( the Lien Release Option ).
Product: Mortgage

I applied for and received a hardship forbearance from my mortgage company, Load Depot, for the months between XXXX and XXXX of XXXX due to my XXXX XXXX needing XXXX XXXX following XXXX XXXX and my having to pay for that treatment out of pocket. At the end of the forbearance period, XX/XX/XXXX, I resumed my payments and, under the instructions of Load Depot, applied for a refinance so that the missing payments would not need to be repaid all at once. They approved the refinance by XXXX of that year and I sent in signed paperwork. A tiny typo made them deny it, and then they instructed me on how to reapply. I reapplied immediately, using all of the same information. It took them another 8 months to make the decision to approve my refinance. I made payments every month in that time frame. During that time, they reported my loan as in default. Now the refinance is approved, I'm paying the new monthly mortgage amount, but they have not updated the credit bureaus. My older son got himself into the best XXXX XXXX  in the country and received nearly {$100000.00} in scholarships to attend, but my credit is so damaged that I can't take out school loans to cover the difference. We all made sacrifices to save my younger boy 's life last year, but asking my older son to sacrifice his future is too much. Loan Depot should never have reported me in default. And I should be in good standing to take out loans for my older boy to pursue his dreams.
Product: Credit reporting or other personal consumer reports

The company Experian doesnt have a direct accurate phone number for customers to call. It has been that way since XX/XX/year>. No company should be allowed to neglect to update their contact information keeping customers from viewing their Credit Report. 

This has been a 10 month issue, and Experian has not tried to fix the error. Their automative system hangs up on you everytime after having you confirm your social.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect balance, incorrect date of last payment, incorrect date of last active, incorrect date of last reported, incorrect date opened. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.
Product: Credit card

Every time I make a {$40.00} payment through the app. It says that it was canceled. This is a knot. I would have to actually literally call my bank. Ask them to send me something stating that this {$40.00} was paid and posted and on my end, steady saying cancelled, this is happening consistently month after month. I am very overwhelmed. Also, I am not seeing my refunds going back to my card. I also inquired about this but yet they can not give me a response.
Product: Debt collection

Subject : Formal Complaint for Unauthorized Reporting and Request for Removal of Collection To Whom It May Concern, I am writing to formally dispute the collection account reported by Online Information Services Inc. on my credit profile. This report is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

XXXX. **FCRA Section 605 ( b ) ** : This section mandates that any information reported on a consumer 's credit profile must be done with the consumer 's consent. Online Information Services Inc. has reported this collection without my explicit permission, rendering their actions illegal.

2. **Contractual Obligation** : Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to collect a debt without a contractual agreement between the creditor and the debtor. I do not have any contract or agreement with Online Information Services Inc. authorizing them to collect this debt or report it to credit bureaus. 

Given these violations, I request the immediate removal of this collection from my credit profile. Please treat this matter with urgency, as the unauthorized reporting has negatively impacted my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

Heres your updated dispute letter addressed to Capital One : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/2024 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute - Unauthorized Furnishing and Access to My Credit Information Dear Sir/Madam , I am writing to formally dispute the reporting and/or obtaining of my personal credit information by your agency without my written consent, as outlined under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following account on my credit report, which I have not authorized : Creditor Name : Capital One - All Account Number : XXXX According to the FCRA, credit reporting agencies are required to have explicit written authorization to furnish or obtain an individual 's credit information. I have never provided such authorization, and I believe that your agency has either furnished my credit report to third parties or accessed it in violation of these requirements. 

Please investigate this matter and provide me with documentation showing the written authorization that you claim allows you to furnish or obtain my credit information. If no such authorization exists, I respectfully demand that you : Immediately cease any unauthorized furnishing or access to my credit information. 
Delete any entries or information that were furnished or obtained without my consent. 
Send me a confirmation of your actions regarding the deletion or correction of my credit report. 
Additionally, I request that you send a copy of the updated credit report reflecting these changes. 

Under 15 U.S.C. 1681, you are required to investigate and resolve this matter within 30 days. If this matter is not corrected, I will consider pursuing legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

All 3 credit reporting agencies are in violation of my fair credit rights, they are reporting late payments 15USC168a ( 2 ), invalidated charge off and collection on my reports, as well as refusing to remove old address from my report, I have filed a complaint with FTC and will continue to do so until the violation are removed