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

XXXX  is using a stall and computer generated response to contuine to violate my rights. I included my SSN and ID in the last CFPB complaint. but they are saying they dont recognize who I am yet they can report negative items on my account ... .. 


these agencies are in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

These agencies is also in violation of 15 U.S.C. 1692g. You were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do NOT validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXXXXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXXXXXX XXXX XXXXXXXX XXXX XXXX reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Checking or savings account

On XX/XX/2023, I called and cancelled my XXXX Subscription. On Wednesday XX/XX/2023 I woke up to XXXX notifications from my bank stating that XXXX attempted to take {$9.00} from my account. When I called them they stated that although the account was deactivated that they couldnt stop the subscription fee. I called back a couple of hours later and was told that the subscription was cancelled and received an email with a reference number for confirmation. This morning on XX/XX/2023 I received another notification from my bank stating that XXXX more attempts were made by XXXX for the amount of {$9.00} again. I called XXXX and was told the same thing and received another email from them stating that it was cancelled. I dont understand how a business can tell their customers that their account is deactivated yet still try and take money from them. I cant log into the account or do anything with it, yet they can still attempt to take money for a service that Im no longer using. If customers dont pay attention to their bank accounts XXXX could easily collect {$120.00} a year from the customer unbeknownst to them. This is not right.
Product: Credit reporting or other personal consumer reports

These XXXX debts on my credit popped up after pandemic was lifted. For Jefferson capital system. XXXX for {$890.00} and a second for {$640.00} for XXXX? I have have called so many times and it's frustrating that they dont help. All they say, is that this is mine and i have to pay and that i have to set up a repayment plan. Its unfair how this place does business. Such fraud on their part. This is ruining my livelihood and opportunity to grow at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove ( personal information, address, accounts name & account number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; Ar Child Support Enf XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXt XXXX, XXXX XXXX FL XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$730.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX High Balance  {$20000.00} ; XXXX XXXX  Open Date XX/XX/XXXX High Balance  {$15000.00} ; Us Dept Of EdXXXX XXXX Open Date XX/XX/XXXX High Balance {$12000.00} ; Ar Child Support Ser XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; Ar Child Support Ser XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Current Balance {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} ; XXXX XXXX XXXX XXXX Current Balance {$2400.00} ; XXXX XXXXXXXX XXXX XXXX Current Balance {$730.00} ; XXXX XXXX XXXX XXXX Current Balance {$1500.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX High Balance {$20000.00} ; Us Dept Of EdXXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; Ar Child Support Ser Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Current Balance {$5300.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian in XXXX and informed them that I was a victim of Identity theft with XXXX XXXX XXXX XXXX of Maryland. I then sent them my personal Identification proof ( Driver 's License and Utility Bill ) along with this was my affidavit for data breach where my information was stolen. I heard nothing from the company despite the my efforts and when I called they told me that they had nothing on file for me despite me having proof of the certified mailing arriving. I did not give permission nor did I seek any products from these Lenders
Product: Mortgage

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX at SunTrust told us that any documentation that comes to them without loan numbers on every single page gets shredded or deleted from the file. 

Firstly, this is illegal, as it is a violation of the Homeowners Bill of Rights.

Secondly, in our experience with SunTrust, closing almost 3000 short sales in the last 13 years, we know this is not true. 

Thirdly, on their own documentation they don't even ask for the loan number - see Affidavits attached. 

Apparently SunTrust is directing their employees to delete documents in order to push properties into foreclosure. 

I am attaching the requested documents to this CFPB Complaint. I expect these to be attached to the account and the short sale moved forward without further delay. 

For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair
Product: Credit reporting, credit repair services, or other personal consumer reports

This is totally unacceptable. This is my second complaint due to the negligence the bureaus have displayed. On XX/XX/XXXX I sent in my first letter regarding the inaccurate, misleading, and false reporting items I noticed on my credit report. I received no reply from the bureaus because of this. I wrote them a second letter on XX/XX/XXXX. I have yet to hear any response from the bureaus. This is a violation of my rights. Section 611 ( a ) states that once a reporting agency receives a dispute within 30 days, the agency must record the current status of the disputed account or delete the account from the report. It has now been over 80 days since my original letter was sent. The bureaus have a payable up to {$1000.00} each I demand these accounts to be deleted for their inaccuracies and the negligence of the bureaus. I will not wait for another 60 to hear a response. This has been stressful and needs to be addressed.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a XXXX XXXX XXXX XXXX for {$640.00} and a service plan that cost {$59.00}, a total of {$700.00}. Order number XXXX. I purchased this item from the Exchange/AAFES Military online store and used my Military Star credit card to make the purchase. I called the customer service approximately 2 days later to cancel the order because I found a suitable blender at XXXX at a much cheaper price. I was informed that the order could not be canceled even though it had not been shipped. The same day I received an email stating that the item shipped. I received the item via XXXX on Wednesday, XX/XX/2022. That same day, I called the Exchange customer service to get a return label to return the item right away. I received the XXXX return label and went to XXXX in XXXX, FL that same day to return the item using the label sent to me from the Exchange store. The XXXX tracking shows that the item was received on XX/XX/2022 in XXXX, TX and signed for by a XXXX. I called the Exchange customer service the following day to follow up on the item received to make sure they also showed the item was returned, I was told that they do see it returned and I have to wait 5 business days for the refund on my military star card, I waited and still no refund. I called the Exchange customer service back on XX/XX/2022 and talked to a XXXX, and she said she can see that the item was returned with the tracking number but their system had been down and I would need to wait another 3 days. I called the Exchange Customer service back today, XX/XX/2022 and spoke to a Supervisor, XXXX, and he said that he has to now call XXXX to check on the tracking and then I will get a refund in another 5 business days. I am not satisfied with his answer and told him that he can look online to check the tracking like I did and it will show the item was received back on XX/XX/2022. Also advised him that previous agents could see it in their system, why can't he. He again stated in a nonchalant way that he will just have to call XXXX  and get the process started. I am not sure what is going on in their system. I know that I used the label they provided me and returned the item the same day I received it. It is a very expensive item and now they don't want to give me the credit back to my card which has caused my credit score to go down based on credit card usage. I am very upset that this has turned into a problem and I feel that I am getting the run around with the Exchange store. I need this resolved ASAP. Please assist. Thank you!
Product: Payday loan, title loan, or personal loan

I obtained a citizens line of credit for a XXXX security system. The line of credit has an automatic payment option. My debit card was compromised so I made a payment over the phone then on the companys website updated my autopay with new card. I received a phone call from their company saying that I had over due payments. This obviously occurred late fees penalties and a false negative on my credit report. The representative of the company citizens pay state that automatic payments are not automatic and that individual transactions must be authorized each time and automatic payments are not automatic. This is absolutely alarming and to me feel absolutely scammed and mislead into believing something is automatically being drafted when it is not. The citizens pay contacted me today after the bill was over two months behind. They admitted over the phone that yes I did in fact update my information as I stated. Please help with these fraudulent practices and help me resolve the issue I am having. Thank you so much
Product: Mortgage

In response to my previous complaint Newrez there is still one issue that was not resolved and information was left out in their response. I had submitted a formal request to delay the escrow analysis until XXXX, which is when XXXX had set up the next escrow analyis to be run. With Newrez running when they did ( they told. me they couldn't run it later, which does not make sense seeing as how XXXX was able to do it ) With them running it 2 months earlier it made my escrow shortage that. much greater because two less payments went into the escrow account from when the previous analysis was conducted. The monhtly amount was around {$1100.00} that went into my escrow account to help pay for the shortage form the previous year. 

Also I would like the XXXX ( who is no longer in business ) issue addressed I will attach the letter again. Newrez took over for XXXX  but someone needs to be held accountable and I need restitution for their errors.
Product: Checking or savings account

Old National Bank, XXXX, IL Allow debit card to be used over account limit as a " courtesy. '' I was told to cancel this practice, I have to go into a bank branch and sign off. I live in Florida, there is no branch here. If charges come through over the weekend, they are pending. On Monday, overdraft charges on Every transaction hit at the same time I receive notice of overdraft ( " You have a notice ... '' ) When I call phone center, they say they can Only remove three charges ; that I have to call the branch I opened my account at ( the bank wasn't even the same name when I opened it years ago ). I called the branch and was rudely told if they removed three charges, that's all I get. I am in the process of closing my account by cancelling my direct deposits.
Product: Debt collection

Portfolio recovery calls a minimum of 10 times a day from XXXX voice numbers to collect on a debt that I do not owe. The charge account was my soon to be ex-wifes name, and I never had access or used the account.
Product: Money transfer, virtual currency, or money service

Woke up one day not able to send or sell my assets on the platform. They wont let me remove them either. Reached out to them multiple times via email issue not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Credit and realized there a few items I am not familiar with
Product: Vehicle loan or lease

Flagship financial has been harassing me. They call literally everyday XXXX times a day telling me I owe money on a car that I traded in. When I traded my car in at XXXX XXXX XXXX XXXX XXXX I was told it would be paid off. I haven't been in possession of the car since. I've talked to XXXX different people and explained this to them all. I've communicated this through email as well. I am tired of being harrased. They are calling me and my wife who has nothing to do with the car or the loan. I was under the assumption that only I ( the borrower ) could be contacted about a debt owed. Through XXXX XXXX XXXX yall already have possession of the car.
Product: Credit reporting or other personal consumer reports

Someone has opened a kohls credit card in my name after contacting them multiple times and reporting it as fraud they still refuse to close the card, and report it.
Product: Payday loan, title loan, personal loan, or advance loan

Excessive calling on the loan 5 times a day even if it is 2 days late. Calls before XXXX XXXX. I am generally in good standing.
Product: Vehicle loan or lease

This was a XXXX lease through ALLY Financial that was paid in full with no late payments. I was contacted sometime after the vehicle was turned in with a claim that there was " scuff marks '' on the rear fender. This minor damage was not done by me but by the dealership ( I witnessed the vehicle being driven around town after I turned it in ). After several weeks of harassment and constant calls by ALLY FINANCIAL I agreed to pay a lower amount in order to stop the constant phones. At no point in time did the topic of a " settlement '' come up and in fact they considered the matter closed after we agreed to a final amount ( even though the damage was not done by me ). FYI - my credit score at the other two credit bureaus is XXXX & XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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 request the blocking and deletion of fraudulent accounts associated with my credit report. I am a victim of identity theft and believe these accounts were created without my knowledge or authorization. My personal information was exposed in the Equifax data breach, which has significantly impacted my financial security. 
Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit file. 
Please consider this letter as my official request to investigate and address this matter immediately The accounts I believe to be fraudulent are as follows : [ Provide details of the accounts-e.g., creditor name, account number, date opened, etc. ] To assist with your investigation, I have enclosed the documents find attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX pulled credit without permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$420.00} XXXX   XXXX {$740.00} XXXX XXXX  XXXX {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE BEEN CONTACTING XXXX, EXPERIAN AND XXXX FOR MONTHS NOW TRYING TO GET INQURIES, COLLECTION REMOVED FROM MY CREDIT REPORT. THEY TOLD ME THAT THEY WERE GOING TO REMOVE THE XXXX PLUS INQURIES AND THEY HAVE NOT.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau XXXX 
While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but they have failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.