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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress 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. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is a financial institutions by definition under that title. 15 USC 1681, Section 604a, Section 2, 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. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the financial institutions, and consumer reporting agencies XXXX and Experian do not have my written consent. Any and all consents to Experian, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 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 and Experian are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. " XXXX
Product: Credit card

I never opened this XXXX XXXX Credit Card. I leave out of town for 8-9 months at a time driving trucks. I found that my personal information and log in information was stolen by my previous employer and was used in gaining access to my personal email and laptop. He accessed my personal files on my laptop. This has been going on for years as I travel so much. XXXX XXXX lived about 1 mile from my house and would drive by according to the XXXX XXXX XXXX and most likely access my postal mail. I learned of this XX/XX/year>, and I immediately returned to XXXX XXXX XXXX and filed a police report with XXXX case number XXXX. I didn't realize the gravity of the situation, so my first report was that he accessed my personal information. The second report was that he was stalking my family by driving by my home ( also added to that case number ). The third supplement was that he was stalking me and harassing me to this same case number. I still didn't understand what he was doing with my personal data, but then I started receiving mailers from creditors asking me to represent me in civil suits. It was then that I realized that severity of this matter and filed a fourth supplement to the details in the report ( same case number ). 

I have tried repeatedly to explain to Synchrony Bank that I did NOT open this card. I have filed cases with the FBI ( since the suspect left for Iowa ), The XXXX XXXX Police Department, the XXXX XXXX XXXX XXXX XXXX, Social Security ( Since my SS was compromised ) and the US Postmaster. I am asking you to REMOVE MY NAME FROM SUCH LAWSUIT AND REMOVE THIS FROM MY CREDIT AS IT IS FRAUD. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX aka XXXX  was paid in full and still reporting as negative charge off. The creditor promised that if I paid within the 2 years balance in full. The charge would be remove in addition to the that the XXXX points would be reinstated reflecting a current balance.
Product: Credit reporting or other personal consumer reports

I noticed some credit inquiries on all 3 bureaus Equifax, XXXX XXXX and XXXX that i didn't authorize or initiate. i, m concern about how this might affect my credit score.here is a quick rundown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. i take my personal information very seriously and i haven't applied to any of this credit recently or given anyone the permission to check my credit. please kindly remove the above mentioned lenders on my profile. thank you
Product: Credit reporting or other personal consumer reports

I have contested an account that is currently being inaccurately reported and formally requested verification, along with a detailed description of the procedure utilized to ensure the accuracy and completeness of the reported information. However, the response I received merely stated that the information has been verified, without providing any substantive details regarding the verification process. No information regarding the individuals contacted, such as their names, phone numbers, or addresses, was included in the response. This lack of transparency represents a direct violation of my rights. Consequently, I am compelled to pursue appropriate action to seek damages to the fullest extent permissible by law. I remain hopeful that we can resolve this matter amicably.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 13 sperate statement in the mail at the end on XX/XX/2020. They all listed an open different account number for each statement which where opened by an identy theif. I havent even researched anything from Charles Schwab and no nothing about the Finiacial company so i had no idea there were myltiple accounts opened under my name with no phone call or email to confirm that these accounts where opened, to at least verify it was me who wanted these 13 accounts opened. When I received the 13 statements in the mail, I realized i was a victim of Identity Thief and tried to find out why these account where opened. so i call the number to Charles Schwabs accounting to find out about these accounts, they cousnt give me any information on who opened these accounts. But I request that all accounts be closed immediatly and to have him contact the 3 credit teporting agencies that I didnt open these and to erase the negative inqury. Now i have put a credit freeze on all 3 agencies.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.


Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

I called Flagship Credit Acceptance on XX/XX/XXXX after I had spoken to a representative on the phone regarding the two missed payments they are claiming on my account. The person from Flagship I spoke with on the phone said they have no record of my late payments and they did not show up in the system and recommended i reach out via email to XXXX and bring this to their attention. I requested the documentation from Flagship Credit that the last payments did in fact occur and asked this it would be sent over as soon as possible and if it couldnt be located I requested to have the late payments removed from my account. I provided my social security number and reference number from the phone representative and have waited for a reply. I was emailed back today XX/XX/XXXX from XXXX and they stated Flagship is unable to locate an account with the information you provided. They went on to ask for more information to further investigates the dispute after they have nothing showing from the social security number and reference number I provided and responded a month later still saying they are unable to locate my account. I am not sure what else I can do in this situation, I have disputed several times and have email from from Flagship saying they have no recollection of a missed payments. I am requested to have this removed as they have had ample time and have researched this and have proven that I should not have these missed payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # 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 XXXX : 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 COMPANY IS REPORTING THAT I AM DELEQUENT ON MY PAYMENTS, THIS IS FALSE INFORMATION. I HAVE TRIED TO ADDRESS THIS ISSUE WITH THE COMPANY BUT THEY HAVE NOT RESLOVED THE ISSUE, AFTER SEVERAL ATTEMPS.
Product: Checking or savings account

Opened a checking account with Citibank in XX/XX/2022 after receiving an invitation offering {$200.00} bonus after fulfilling certain requirements. I fulfilled all their requirements, but upon not receiving the bonus I called to inquire and an inquiry was set up. My inquiry No was XXXX. On XXXX I received a letter from the bank stating that I have qualified for Promotion XXXX, but my account is not Form w-9 tax verified. To please complete the enclosed W-9 and mail it to the given address. which I did. When no bonus amount was deposited I called and found out that they did not get my mail. So I went to a branch and finished the paperwork. 
My account was still not W-9 certified. 
My husband went over to the bank manager and got the paperwork issue resolved. 
Yet no bonus deposited. 
Repeated calling, XXXX XXXX on XXXX, XXXX XXXX, got the same reply. Please fax over the proof of promotion. Now I faxed from the bank thinking that will resolve the issue. but it did not. 
It just resulted in a letter dated XXXX from the bank denying any such promotion. 
so called one more time and spoke to XXXX on XXXX and asked for a supervisor. Spoke to XXXX. She said would take care of it. 
No result to date.
Product: Mortgage

Escrow Mismanagement : In XX/XX/XXXX I received a statement from my loan servicer Citizen 's Bank that I had an escrow shortage of {$150.00}. I made my XXXX payment and sent a separate check for the escrow shortage of the {$150.00}. Sometime in XXXX i was made aware that my property taxes for the subject property were delinquent and assessed late fees. I contact Citizens and spent hours on with a call center where the staff had no understanding of escrows or taxes. We did determine that Citizens paid both too much and to the wrong property. I could not get any further with the call center and I had to contact the mortgage broker who wrote the loan, and they had a contact state side and asked for help. I was contacted by the office of the president of Citizens bank, XXXX XXXX to fix this problem and to correct addressing errors on the part of Citizens. Today I called and my taxes have not been paid, but I see a new escrow statement raising my payment yet again, twice since I bought the property in XX/XX/XXXX. There should have never been an escrow shortage in XXXX of XXXX since the amount that Citizens was showing for my taxes was incorrect and too high. There should be no escrow shortage in XX/XX/XXXX since I paid an extra {$150.00} already and the taxes are still showing too much. Additionally, my taxes have not been paid, and Citizens is trying to charge me the late fees. I have made all my payments on time. I have had many loan servicers over the years and Citizens is by far the most incompetent. These people should not be in charge of anyone 's money. They are ineffective, incompetent, they avoid speaking to you and pawn you off on a call center is a corner of the world where people don't even own homes, much less understand about taxes and escrows. They can't even get the subject property address correct! There needs to be a complete forensic audit of my escrow account and my payment adjusted correctly!
Product: Debt collection

Just recently i received an alert that a collection was placed on all XXXX of my credit reports, the collector showed as Midwest Recovery Systems with listing of an orginal creditor of XXXX XXXX i have never done business or had an acct with this company i was somewhat surprised.As far as the collector Midwest Recovery Systems i had dealt with this company once before, where they fraudulently posted another collection to my credit report and later after filing a complaint they removed the fraudulent collection.To me apears this company does this fraudulent activity on a regular basis to many consumers time and time again. Today they commited to serious violations.Violation # XXXX they send no letter/bill or any correspondance before putting a collection on the consumers credit report, not allowing consumer the opportunity to ask that debt be validated. Violation # XXXX The state of NC requires any collector trying to collect a debt from consumers living in the state to be licensed in the state, Midwest Recovery Systems is not licensed to do business in the state of XXXX.That could be another reason they dont send consumers documentation/letter or bill for these fraudulent debts, since that would provide a paper trail for the consumer to provide proof of their violation to the north carolina attorney general as proof aof an unlicensed debt collector who is in voilation of the statue which carries a considerable fine.But i will still contact the North Carolina Attorney General and as what documentation they need to prove that Midwest Recovery Systems had indeed contact me about a debt and is doing business in the state.So XXXX the violated the F.C.R.A and XXXX Violated XXXX law.So i expect this ftaudulent collections be removed from my credit reports within the next XXXX days, if not i will discuss this locally on my options to pursue this via the legal system and report to the state agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX Balance Owed : {$1500.00} XXXX  Account # : XXXX Balance Owed : {$440.00} XXXX Account XXXX : XXXX Balance Owed : {$25000.00} XXXX  Account # : XXXX Balance Owed : {$6700.00} FCO Account # : XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$270.00} -- XXXX have submitted my dispute letter for these accounts as I believe these are inaccurate but I have not received any results from the credit bureaus. It has been more than 45 days.
Product: Credit card or prepaid card

Without any notice, Citibank closed and cancelled my Costco Visa Card. I have had the card ever since it was introduced and have had a long and mutually satisfactory relationship with Citibank for years. They somehow received mistaken information that they " previously had to close XXXX or more Citi accounts in [ my ] name '' and that is not true. So they closed this account with no notice and stole all my Costco dollars which I had earned. I would like the account reinstated as it was closed inappropriately and I would like the money I had relied on for my Costco purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX I have attached a copy of the ID Theft Report with this complaint. The report number is XXXX. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation. you guys have caused me to go into distress because you are reporting false/inaccurate information making it hard for me to move forward in life because I'm getting denied for things because of your false reporting.
Product: Credit card or prepaid card

I have a credit card with Comenity Caesars reward visa, I paid my monthly statement on XX/XX/22. on XX/XX/22 I noticed that XXXX was taken from my bank as a payment to said credit card. when I called, I was informed that a letter had been sent to me on XX/XX/22 ( 2days earlier ) ; and that I had agreed to pay XXXX, I have received no such letter or agreed to pay an amount that I do not have available at the bank, I had already made my monthly payment of XXXX on XX/XX/22 why would I make another payment the same month. they always say that the conversations are recorded, I have not been offered to listen to any conversation that I allegedly agreed to. I want this credit card company investigated ; I can not be the only one they have done this to especially around the XXXX. this is a total fraud.
Product: Credit reporting or other personal consumer reports

I am seeing companies being reported on my credit report that I did not open. I have sent correspondences to the credit reporting agencies but have only XXXX have removed the accounts. XXXX and Equifax have not removed the accounts thus far.
Product: Debt collection

This is regarding Ford Motor Credit. I do not, nor have i ever, had a loan with this company. I have been repeatedly receiving calls on my landline as early as XXXX XXXX  and as late as XXXX XXXX. The messages are cut off and only a mechanical number saying the same telephone number twice. This had been going on all of XX/XX/2018 it seemed. I must leave my phone on because of my mother 's poor health, but don't answer if I don't recognize the number. I'm at work about XXXX hours a day, but when I get home there are numerous messages, all the same from this same number XXXX. The message asks for a call back to XXXX. No place in the message does the call ID who is calling. It became such a nuisance that I called to ask who was calling. First the recording I received asked for my SS #. I did NOT type it in, but when I finally made my way through prompts and spoke with a person, the matter was supposed to have been cleared up. I had phoned from my cell and did give my name. Two days later, I received messages on my CELL phone and also then my email! When I called back, I was very upset, and asked to speak to a supervisor. This next person " XXXX, '' tried to get additional personal information from me. When I would not give it he told me he couldn't help me and would not transfer me to a supervisor. I have just checked my credit reports as I feared identity theft. NO Ford Motor Credit charges appeared. Please help me make this harassment stop. They now are using my landline, cell and email to harass me. And I have NO LOAN with them! In fact I have NO auto loan at all!
Product: Credit reporting or other personal consumer reports

When I fell on hard times, I resorted to settlement agreements with multiple credit lenders following a divorce. XXXX XXXX XXXX agreed to a settlement with which when it was finally paid off, they said they would initiated a good faith removal of any negative reporting to my credit report. Late payments, settlement status, and clean the report underneath their accounts. This same agreement was reached with XXXX Bank as a joint loan with my ex-wife. Once this was paid off, they said that they would remove the negative remarks with regards to late payments and settlement status. I have reached out multiple times directly to the companies and all of the credit bureaus to initiate investigations and every time it is closed almost immediately without any update. Aside from this, XXXX closed my accounts without notification, and these amounts were sent to a debt collector who does not have my debt agreement or debt amounts so all it shows is closed accounts with a balance. XXXX said they closed the balances at an operating loss and had no need for reporting anymore so I discussed with them to remove the amounts but they said it was no longer within their hands because it was sent off to a XXXX party agency. This agency does not have the agreement however so it is stuck in limbo. Then finally, the XXXX XXXX XXXX XXXX that shows a missed payment is incorrect. I sold the vehicle to a car dealership that underpaid XXXX XXXX from their profit. XXXX XXXX acknowledged this issue and said they would remove the remark within XXXX calendar days. They have not. Despite multiple attempts to contact them and initiate disputes with the credit bureaus. These disputes also get shut down almost immediately with no update