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 XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX 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

Im a victim of identity theft. A. fraudulent account from XXXX XXXX XXXX, was recently placed on my credit report. Ive tried speaking with both credit bureaus and the collection agancy. Ive also sent multiple copies of FTC reports requesting this information be blocked from my credit report. 
Ive never done business with XXXX XXXX XXXX, Or XXXX XXXX XXXX XXXX nor or signed into a written contract with these companies. This is a fraudulent account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple accounts on my credit report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2021 XXXX XXXX XXXX XXXX closed my account and refunded my initial XXXX deposit, and the balance on my credit account is still not reflecting this update. Also, they are reporting my balance inaccurately to multiple credit reporting agencies. On XXXX XXXX 2021 they sent me an incorrect billing statement as well. They are damaging my credit by not reporting the correct information, it is discouraging, and I do not agree with it.
Product: Checking or savings account

On XX/XX/XXXX someone authorized an XXXX draft on my account at XXXX XXXX Bank for {$580.00}. I only had {$140.00} in my account. I was in XXXX XXXX XXXX on that day and have the records to show it. The bank sent me the XXXX authorization and who the person was that authorized this. I had no knowledge of this person and signed multiple affidavits stating i did not authorize this charge and did not know the individual. 

I appealed this 6 times with XXXX and each time the fraud department stated that they did not believe me. I contacted the vendor that made this transaction and they stated that the person who made the unauthorized payment through my account only used that account number once. I asked them to reverse the XXXX and they refused to stating i had to contact the individual who made this payment. I stated I do not know who it is and I have no phone number either. 

I have sent all this information including my jail records to XXXX 6 times and each time I get a form letter stating the fraud department says I authorized this. When I contacted XXXX for a total of XXXX minutes on the phone I could not even talk to the fraud department. I had to talk with a liason who then communciated the information to this department. 

I asking for the collections to stop as XXXX said I owe them {$440.00} for the overdraft. I would like my {$140.00} plus interest given back to me as XXXX closed my account because of this.
Product: Debt collection

Experian committed unfair acts or practice in violation of the Consumer Financial Protection Act of XXXX by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of the furnishers unreliability
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXXXXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXXXXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : SANTANDER CONSUMER USA, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
Product: Debt collection

I rec 'd a letter from XXXX XXXX XXXX  dated XX/XX/2018. In return I submitted a letter via fax on XX/XX/2018 and XX/XX/2018 ( attached is my confirmation ) the letter was also sent via snail mail on XX/XX/2018. The letter stated that I needed validation that they were authorized to collect such debt and the name of the company claiming I owe this debt. There was never a response to this letter. The letter also states that if the office report invalidated information to any of the 3 major credit bureaus that this action will constitute fraud under both Federal and State Laws and if any negative mark is found on any of my credit reports by their company that I won't hesitate to bring in legal action. They had 30 days to respond and here it is almost 60 days later, I am notified of a credit alert on my credit report with XXXX that XXXX XXXX XXXX added a collection to my report. This is FRAUD. This alleged collection needs to be REMOVED immediately from my credit report before further action is taken. I have also submitted this request to The XXXX and my states attorney generals office. Please send me an updated credit report, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my submission of clear and compelling evidence demonstrating the inaccuracy or unverifiability of certain accounts, Experian has neither corrected nor removed the disputed items. This failure has resulted in ongoing harm to my credit standing, directly violating my rights as a consumer under federal law. 

Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic failures in its dispute-handling process, including its failure to forward consumer-provided evidence to furnishers, its acceptance of unreliable responses from data furnishers, and its inadequate notification to consumers regarding dispute outcomes. These allegations align with my personal experience, as Experian has disregarded the evidence I provided and failed to conduct a reasonable reinvestigation as required under the FCRA. 

Given these serious legal and regulatory concerns, I am formally requesting immediate corrective action to remove the disputed accounts in compliance with federal law. 

I am requesting removal of derogatory remarks from suncoast federal credit union on XX/XX/XXXX and synchrony bank from XX/XX/XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, this account if fraudulent. I contacted the lender and they told me that someone added me as co-signer. But I never co-signed anything and didn't give my permission for that. I also never used that car and have no idea about this loan. 
Please remove the fraudulent account from my credit report : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/2020 Account Type : Auto Loan I have not applied for the account. That account, either the vehicle do not belong to me. I have been trying to dispute this account for several months. I can not believe this account is still not removed from my credit history. This time I have prepared additional documents to support the disputing process. Thank you!
Product: Debt collection

Had lab work done at doctors office. XXXX XXXX lab did not bill ins co. I have complete coverage. Sent my bills to incorrect address. Never received bills. They did not attempt to get right address. Put bill into collection. American Medical Collections never contacted me at my correct address but attached this debt to my credit report which was flawless. XXXX Notified them the debt was in error but the collection agency will not take it off my credit report for 45 days. This has significantly lowered my score. XXXX will not send me a letter that they made error sending to Collections.
Product: Vehicle loan or lease

I bought the car in XX/XX/XXXX, at that time I was employed as a XXXX making $ XXXX/yr. I lost that job inXX/XX/XXXX and was out of work for about 6 months. I asked Nissan several times to possibly lower my payment to accommodate my reduced income. They refused. They suggested a refinance, even while seeing how I 'd started to call behind in my payments. The next job I took on ( out of desperation ) started with a base pay of $ XXXX/year. Still, no help from Nissan. They deferred ONE payment a few times, even though agents have made comments on various calls as if a TWO payment deferment could have ever been an option. <P/>I called NMAC onXX/XX/XXXX, spoke to XXXX. She confirmed the car was out for repo and the # of days/payments owed. She confirmed that I needed a minimum of {$580.00} for XX/XX/XXXX payment to put a hold of the repo. I asked her a few times if this one payment would hold the repo action, and she confirmed. She suggested to call back with a payment confirmation # before XXXX, so that they can guarantee contact with the repo vendor. After XXXX, they could no longer guarantee. I made arrangements to get the {$580.00} and paid it. I called back and spoke with XXXX ( or XXXX? ). She confirmed the same info, took my confirmation #, and left me on hold for apprx 6-7 minutes while she " documented this '' to the account. XXXX ( or XXXX ) confirmed that she 'd noted my account and put the hold through on the repo. We confirmed my next payment arrangement forXX/XX/XXXX payday forXX/XX/XXXX payment. <P/>The morning ofXX/XX/XXXX, I was late for work because I did n't realize that Nissan came and got the car anyway. I called NMACXX/XX/XXXX apprx XXXX, and spoke with a supervisor in collections named XXXX . He said I needed to speak to Reinstatements, who would n't be in for another hour. XXXX confirmed that XXXX was correct in everything that she told me, however XXXX made it seem that neither collector should have provided assurance that the payment arrangement would suffice. I still have no clue as to where my vehicle is, why they did n't honor the hold, etc. <P/>My complaint is that NMAC is ok with collectors using deceptive practices, answering direct questions from me as a consumer, with deliberate inaccurate information. They lied to get me to make a payment, knowing that they would still allow the vendor to repossess the car anyway.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  XXXX XXXX  # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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

On XX/XX/2023, per the FCRA, I notified XXXX XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Debt collection

XXXX XXXX called from XXXX from XXXX XXXX XXXX called to say i had a repossession for a vehicle from 1999. Would not tell me the vehicle. said loan was from Americredit and that they were suing me and putting a title lien on my current vehicle with a lien held by XXXX. Also advised they need a list of all vehicles in my name and I would have paperwork in the mail in XXXX. 

I XXXX  and everything says this is a scam
Product: Credit reporting or other personal consumer reports

My wife and I, XXXX XXXX was looking into getting a home for the near future. As we were looking into this matter we read the requirements, just on what our credit report should look like and what score we need. After getting a free consultation I we told this negative item was on my credit and it is holding my credit back.
Product: Credit reporting

Account is very old XXXX is past the statute of limitations please remove. I have an open active account that is in good standings with this same company. 

Remove this outdated item XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

I made a transaction to XXXX for the amount of {$400.00} on the XXXX of XXXX then I made another one on the XXXX of XXXX and neither one of the recipients have received the money that I sent Transaction number on the XXXX of XXXX ( XXXX ) the other made on the XXXX of XXXX ( XXXX ) Remitly sent an email stating that the transaction that was done on the XXXX that they confirmed that the transfer never arrived to the recipient and XXXX and that they had refunded to my account the total amount of my transfer including any fees but I have not received it. The other transaction on the XXXX they stated that is still in progress I don't understand
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Dispute of Collection Activities and Violation of Consumer Rights To Whom It May Concern, I am writing to formally dispute the actions of [ JPMCB Card Services ] as they have placed an account on my consumer report without providing the legally required validation information, in clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 

Violations by the Collection Agency : XXXX. **Failure to Provide Validation Information** : The collection agency has not provided validation information as required under 12 CFR 1006.34 ( b ) ( 5 ) before placing this collection account on my consumer report. I have a legal right to receive this validation information prior to any reporting to consumer reporting agencies. 

XXXX. **Failure to Give Me an Opportunity to DisputeXXXX : According to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), I must be given an opportunity to dispute the account before any negative action, such as reporting to consumer credit bureaus, is taken. The collection agency failed to notify me in accordance with this regulation, which infringes on my rights as a consumer. 

XXXX. **Use of False, Misleading, and Deceptive Means** : The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means to collect an alleged debt that I dispute. This includes reporting an unvalidated debt to credit bureaus and failing to provide accurate disclosures to me as a consumer. 

XXXX. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am formally notifying the collection agency that I dispute the entirety of the alleged debt. Furthermore, I am revoking all forms of communication from them, including email, text messages, and phone calls. 

Requests for Information : XXXX. I request that the collection agency immediately provide a validation letter for the debt in accordance with the law. 
XXXX. I request a copy of the purchase agreement between the collection agency and the original creditor ( XXXX XXXX XXXX ), as this information is necessary to verify that the collection agency has legal standing to pursue the debt. 
XXXX. I also request proof that the collection agency is licensed and bonded to collect debts in my state. 

Conclusion : The collection agencys failure to comply with the legal requirements outlined above is a violation of my consumer rights. I request that the CFPB investigate this matter and take appropriate action against the collection agency for its illegal practices. 

Thank you for your time and attention to this matter. 

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

On XX/XX/XXXX, I submitted a direct loan consolidation application and I selected XXXX to be my new loan servicer. XXXX is reporting a higher principal than what was consolidated on my credit reports. XXXX is reporting a principal of {$34000.00} and the principal should be {$29000.00}. On XX/XX/XXXX, I reached out to XXXX, this company was responsible for making the payments to XXXX to consolidate and the representative told me that the following payments were made during the consolidation process : Loan account # XXXX {$5100.00} Loan account # XXXX {$16000.00} Loan account # XXXX {$5900.00} Loan account # XXXX {$480.00} Loan account # XXXX {$1400.00} Total of {$29000.00}
Product: Checking or savings account

Inactive modal Consumer Financial Protection Bureau Submit a complaintReview your complaint Review your complaint Please review the information below before submitting this complaint. You can return to any section to make changes by selecting " Edit this section. '' Step XXXX Inactive modalEdit this section What product or service is your complaint about? 
PRODUCT OR SERVICE Checking or savings account TYPE Checking account Inactive modal Step XXXX Inactive modalEdit this section What type of problem are you having? 
Issue Opening an account Have you already tried to fix this problem with the company? 
Yes Did you request information from the company? 
Yes What information did you request? 
Proof these accounts were open using my name Did the company provide this information? 
No Type of Issue Unable to open an account Step XXXX Inactive modalEdit this section What happened? 
Today I went to open up XXXX XXXX  XXXX  on line I was declined an account I checked my check system reports there is accounts opened opened with my information by chime XXXX XXXX XXXX XXXX  which I never opened I checked my credit report accounts were opened using my information I never opened these accounts and I filed reports with police and fbi I want my name cleared by these banks and investigation be done by the fraud department in all banks lusted
Product: Mortgage

Trying to close a refi on my mortgage.Three closing dates were set up and company won't send closing disclosure, title company can not close.Started this refi XX/XX/2019 has been in and out of underwriting, closing and title company since XX/XX/XXXX.Company will not give me a reason why.
Product: Credit reporting

Service rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. my insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. the hospital then sent the bill to collections. I notified them in XXXX 2016 that the bill was incorrect.I have maintained contact with them and have been attempting to resolve the issue. In XXXX, my credit score was XXXX, currently it is XXXX over {$100.00}.