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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I received an alert from Experian that my credit score had dropped 6 points without any explanation. I have had no negative activity in years. I looked at he report and it suddenly showed 2 negative marks - both from over 6 years ago but suddenly reported as current. XXXX XXXX and XXXX XXXXXXXX XXXX I disputed both corporation 's information on XXXX XX/XX/2019 I received a notice the disputes had been resolved. Nothing changed, but my credit score immediately dropped another 20 points! There had been no other intervening activity on my report. Consequently my score dropped 20 points simply because I disputed to claims. This is illegal. I called a second time to dispute this entire process. The customer care contacted XXXX XXXX and that was determined to by inaccurate information and was removed, but my credit score did not change! They lowered my score based on inaccurate information and when the information was corrected they failed to return the score to its previous state. The supervisor failed o address my question gave me nothing but bureaucratic circular reasoning and hung up the phone, She refused to provided her name. I spoke to her on XXXX/XXXX/209 at XXXX PM est. Experian is failing to report accuate information,. dropping my score without explanation or reason based on disputes which were in one case verified. They are preventing me for obtaining credit necessary for my livelihood. I intend to bring a court case against if this is not resolved.
Product: Debt collection

I am writing to follow up on my previous request for debt validation, which was sent to your office over 30 days ago, on XXXX XXXX 2024 via USPS with tracking # XXXX XXXX XXXX XXXX XXXX XXXX at XXXX. As of today, I have not received the requested debt validation documentation. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt within 30 days of your receipt of my request. 

Attached with this letter is the proof of receipt. 

Under 15 U.S. Code 1692g ( b ), once a debt collector receives a written dispute of the debt, they must cease collection activities until they provide validation of the debt. Since I have not received the required validation within the statutory timeframe, I am requesting that you immediately : Cease and desist all collection activities related to this account, including any communication or reporting to credit bureaus. 

Remove any and all references to this alleged debt from my credit report with all credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 

Failure to provide the requested validation within the mandated 30-day period renders the debt invalid, and as such, I request that you ensure this debt is promptly removed from my credit file. If you are unable to provide validation, you are legally required to delete any reference to this account from my credit report as per 15 U.S. Code 1692g ( b ) and 15 U.S. Code 1681s-2 ( b ), which governs the duties of furnishers of information to consumer reporting agencies. 

Please be advised that continued failure to comply with the law may result in further legal actions, including the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the relevant state attorney generals office. I trust you will treat this matter with the urgency it warrants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$1100.00} XXXX/XXXX  XXXX Balance : {$2100.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00}
Product: Mortgage

Round Point Mortgage a Loan servicing company for XXXX XXXX XXXX Adjusted my VA Arm Loan from 1.75 % to 5 % in XXXX of XXXX. My loan was only suppose to go up 1 % a year based off the T-bill rate with a cap of 6.75 after the initial 3 year period at 1.75. This rate at 5 % continued on through XXXX of XXXX before they realized there mistake and corrected the rate back to 2.75 %. The over payments where applied to the principal balance of the loan without giving me an option what i wanted to do with the money. Round Point Mortgage provided me with an escrow analysis dated XX/XX/XXXX stating there would be a shortfall of {$3500.00} in my account. they provided me with options on how to resolve this matter, but i chose to pay the entire shortfall along with the current monthly payment for a total XXXX for XXXX of XXXX. This satisfied the deficiency balance in my escrow account and per the letter ensured my payment would be XXXX instead of going up to XXXX beginning on XXXX 's payment. My auto draft is set up for the XXXX of each month for my mortgage payment. I received notification from Round Point Mortgage on the XXXX of XX/XX/XXXX that an auto draft payment would be made from my bank account for the amount of XXXX. This payment should have been XXXX according to the letter from them back in XXXX. Here i am again being overcharged for my mortgage and i don't want that over payment being refunded into my principal balance. I have called Round Point Mortgage several times regarding this and i was told by a supervisor through the call taker that they would do another Escrow analysis. Somehow the Escrow analysis back in XXXX is wrong and they would need to do another. This company is stealing money from me because they have access to my bank account and improperly managing my loan. Please Help!!!!!!
Product: Vehicle loan or lease

CarMax collected more money than the actual auto loan amount documented in the contract dated XX/XX/XXXX. I paid more than the auto loan amount based on CarMaxs intentional fraud, discrimination, and retaliation. CarMax keeps abusing the account balance and send fraudulent notices to repossess monthly aiming to steal more money illegally. CarMax keeps adding undisclosed charges, fees, and interests illegally to rip-off the American People. On XX/XX/XXXX, I sent CarMax an official Notice of Intent to Sue CarMax in the United States District Court - Central District of California. CarMax refused to respond and escalated the retaliation and fraud. This formal complaint is to hold CarMax accountable in the federal court. CarMax is refusing the only demand which is to close the account in good standing and to notify the State of Californias DMV to transfer the ownership as the account was paid in full and was never late. A class action against CarMax is underway due to its intentional and systematic corruption and crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exxon Mobil/Citibank is reporting inaccurate information to the Credit Bureaus XXXX I disputed this information with the Credit Reporting Agencies who report that Exon Mobil/Citibank attest that the reporting of the account is accurate. To that end, I disputed the item directly with Exon Mobil/Citibank and they again attested that the reporting is accurate. The account is listed as having been closed on XX/XX/XXXX. This closed account was listed as 120 days late two months later in XX/XX/XXXX. The account also is listed as both Settled for Less Than Full Balance and Paid in Full, the account is in fact Paid in Full. As stated, Exxon Mobil/Citibank has now verified that this reporting is accurate with the credit bureaus and all subsequent responses.
Product: Credit card or prepaid card

They closed my account after 6 years of being a customer. I had a few disputes which were mainly this year because they sent me a recycled card and someone else was using but they turned it off before my husband could get his direct deposit. They also charged me humongous fees.
Product: Money transfer, virtual currency, or money service

Someone hacked into my online account with Chase. I have a business account, three personal checking accounts, and one savings account. All the money from all the accounts amounting to over {$50000.00} was transferred to a bank in XXXX with over 20 wire transfers. First they transferred all my money from each account into one account, then they wired the funds to some account and bank in XXXX. All the money from all the accounts were taken. I filed a claim report with Chase and filed a criminal report of the fraud. I provided all the information to Chase and they have denied my claim. They some how believe I was the person who took this action but they won't even provide proof. I can provide proof it wasn't me as I have 2 factor authentication on my accounts. My email and phone number never received a 2 factor notification. I have reviewed the XXXX, XXXX and XXXX login activity and no one ever accessed my account and Chase never sent a notification to me. My family is now without any money and Chase is asking for all the wire fees and overdraft charges because they allowed someone in the middle of the morning to wire ALL our money out of the country. We have never wired money out of the country, never gave Chase the authorization or approval to do so either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX  XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX, XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Opened : XXXX. XXXX, XXXX XXXX : {$860.00}
Product: Debt collection

On XX/XX/2015 my mother was killed in an auto accident. and at that time we did not know of any debt on my mothers behalf. After the funeral I became Executor and began to check my mother 's mail and affairs. After calling all debtors companies and resolving those debts " Credit Bureau Systems Inc. attached a proof of claim to my mother 's estate in district court. they would not call me back after several attempts to contact them to resolve this matter of debt. My mother had no banking account, and live in a home that did not belong to her. I 've talked to the other family members and we can not pay the amount. please inform me on how to take care of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023, I paid {$150.00} annual fee. In XX/XX/2023, Capital One decided to close my credit card without disclosing one. Capital One did not refund the annual fee, did not pay out the {$200.00} statement credit for spending {$200000.00}, and held on to my credit balance of more than {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The ACCOUNTS I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the ACCOUNTS be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the ACCOUNTS as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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: Credit card or prepaid card

Spent abpout {$500.00} of my $ XXXX limit. The business sent a letter months ago that I decided to ignore, where they claimed to not have received a {$150.00} payment. As this was not the amount of the bill, is it IMPOSSIBLE ABSOLUTELY IMPOSSIBLE for them to know it hadn't of been a payment that I had made. They later apologized in a letter. This is no longer acc eptable. They stated that my card was used in an unauthorized manner for a {$1.00} purchase ( just after the {$500.00} ) and they blocked it because of the {$1.00} purchase. Despite having all of my info in front of me they refused to verify me because the account numbers dont match up. I tried explaining to several people who wasted my time instead, that there was a previous issue and tjhat they are putting someone else 's info on my account in order to cause all of this. Then they made several excuses that my number was a landline and that's why I couldn't be verified, since I couldn't get a text. It is not a landline and I can get any calls from aywhere else. When they call me they call 9 times at once and it won't allow me to pick up the phone and they refuse that thje problem is on their end. And next person tried to call in and said that the line told her that it was busy and that it was perfectly okay if I escalated the matter to the FTC instead of trying to fix it.
Product: Credit reporting or other personal consumer reports

On my credit report I have informed XXXX XXXX its not mine. Celtic bank not mine and XXXX that it is not mine this is being reported twice. XXXX XXXX XXXX  not mine. I did an Identity Theft Report. XXXX. I reported it to all credit bureaus and they still have not removed them
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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: Debt collection

I received a call on Saturday, XX/XX/2018 about a debt I do owe. I set up payment plans with them and told her she could debit my bank account on Friday, XX/XX/2018 and then weekly at {$20.00} a week until the debt was paid off. However, she took funds from my account on Thursday, XX/XX/2018 and caused me to overdraft. I received a {$36.00} fee because of her taking the debt on the wrong date. I have tried calling her several times and I have received no answer.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$3000.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Product: Credit reporting

There is a state of Georgia tax lien still showing on my report that was withdrawn in XXXX 2016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Georgia state tax lien release forms ( which I also have attached here for your review ). I have also verified with each county that the lien withdrawals have been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRA 's ( XXXX & XXXX XXXX ) removed the lien from my credit report immediately