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

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

Account name : # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 


I have called and spoken with customer service of XXXX, and I have filed disputes with XXXX, Equifax, and XXXX with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 
Both are charge-off accounts. However, one credit bureau says it's a collection account. 

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXX 

Incorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these XXXX accounts. I have tried to rectify this over the past 60 days.
Product: Bank account or service

I was twice charged {$34.00} for overdrafts that were less than {$10.00}, so for over drafting {$18.00}, I was charged {$68.00}. Chase Bank would not waive the fees because they had given me a courtesy credit within the past year. This is outragegous. I understand from XXXX 's book The Unbanking of America that banks make a lot of their money charging people who can least afford it exhorbinant fees.
Product: Credit reporting or other personal consumer reports

After getting a full credit report for all three credit agencies XXXX, Experian and XXXX, I noticed that some items were not on my credit report and also Experian has not updated my credit report since XXXX when it comes to my credit cards missing information. My XXXX report shows that I am an authorized user of XXXX  XXXX Reported : XXXX XXXX, XXXX  for a credit line of {$1200.00} and XXXX  years and XXXX  months. But this account is missing on my Experian and XXXX credit report.
Product: Money transfer, virtual currency, or money service

I use capital banking I usually get my paycheck XXXX  but Thats because they offer early deposits so j gave It until today XXXX. I have not got my paycheck I can access my money I have XXXX  and a small child that I need to feed. I am stress not knowing when I will have my funds ti need tk survive
Product: Debt collection

Identified unauthorized accounts on my credit report. Request urgent action to remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA  XXXX Experian XXXX. XXXX XXXX XXXX, TX  XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA  XXXX XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I AM A VICTIM OF IDENTITY THEFT, THERE IS MANY THINGS WORNG ON MY CREDIT REPORT. DO NOT USE MY COPY OF ID AND SS CARD AGINST ME, I AM ADDING IT TO MY CLAIM FOR PROOF IDENTITY PER YOUR MAIL REQUEST. 

To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PLEASE REMOVE THESE NAME FROM MY CREDIT REPORT. PLEASE REMOVE THESE DIFFERENT VARIATIONS OF MY SOCIAL SECURITY NUMBER, IVE ATTACHED A CPY OD SS CARD FOR VERIFICATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS DO NOT BELONG TO ME : DP OF EDUC XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX DPEDXXXX  XXXX XXXX XXXX XXXX  XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00}
Product: Mortgage

My complaint is with Planet Home Lending. My VA loan was originally processed through XXXX XXXX XXXX, but was soon sold to Planet Home Lending. I made my first mortgage payment of {$1600.00} ( XX/XX/2021 ) to XXXX XXXX XXXX, which was then forwarded to Planet Home Lending in order to validate this payment. Today ( XX/XX/2021 ), I received a call informing me that my XXXX payment was never received, and that I was approaching 60 days of no and/or late payment which would be reported to the credit bureaus. However, I was also told on today 's ( XX/XX/2021 ) call that my XXXX payment ( XX/XX/2021 ) was applied to my XXXX bill. If this is the case then it would be impossible for me to have not paid for 60 days as only 23 days had passed. However, the greater issue at hand is Planet Home Lending not acknowledging the payment sent to them by XXXX XXXX XXXX. Today ( XX/XX/2021 ) I have confirmed with both my bank, XXXX XXXX, and with XXXX XXXX XXXX that my payment was received and forwarded to Planet Home Lending. During my call today with Planet Home Lending, the agent I spoke with refused to take any of the information I had regarding the payment that was received by XXXX XXXX XXXX, and also stated that Planet Home Lending would not be attempting to learn why my payment was not accepted or applied to my loan. The only reasons I can see that Planet Home Lending would perform business in such a way is they are either : 1. ) Stealing money from their purchased loans ; 2. ) Incompetently mishandling their held loans ; or 3. ) Intentionally refusing to interact with the loan seller after the sale is complete due to laziness, and therefore Intentionally mishandling held loans.
Product: Credit card

I was visited at my house by XXXX, which is a home security system. The salesmen showed my the system and told me about the monthly monitoring service. He also showed my the equipment, HOWEVER, he never told me or even suggested that he was going to open up a credit card in my name, and I would've never authorized him to do so. I want the hard inquiry from XXXX and the subsequent account removed from my credit, as I have NO KNOWLEDGE of this account, was never authorized by me, and I was thoroughly deceived by the salesman. Im trying to refinance my house, therefore, I would have even further said no about opening up this new card/ for a security system. It just doesnt make any sense. XXXX  practices is very deceiving and I feel that they took advantage of me because XXXXXXXX XXXX XXXX XXXX 

The inquiry is XXXX XXXX XXXXXX/XX/year> The credit card is from XXXX and has been subsequently maxed out by XXXX themselves again with no knowledge or approval from me. 

And Im reporting this to the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/2021 I was attending a family wake and funeral in XXXX Kentucky. The services lasted from XXXX XXXX - XXXX XXXX. At the end of the day I went to check on my emails and noticed several withdrawals from my account made via XXXX. They were made to a XXXX XXXX in the amounts of {$100.00}, {$300.00} and {$500.00} at XXXX. Both the name and email have never been used by myself. I immediately went to a local PNC Bank and filed a dispute, changed my password, froze my account and set up XXXX pin for transactions. I met with Branch Banker XXXX XXXX NMLS ID XXXX at the XXXX Branch in XXXX KY XXXX. I did everything I was supposed to do. I received a notice from PNC Bank that the said, " dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request documentation we relied on in making our determination. I called PNC again and asked for the documentation used and they didn't have any. They told me to contact XXXX. I tried to contact XXXX and they refused to speak with me indicating, " As per their terms and conditions, they reserve the right to no longer due business with me '' So XXXX is refusing to speak with me and I am still out {$900.00}. Its been 6 almost 7 weeks and after the 3 time trying to dispute the charge with PNC I still do not have any answers or money. XXXX XXXX from PNC is elevating it to the XXXX XXXX but how long should this take? Does this not fall under Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts? Attached is the most recent dispute resolution sent by PNC Bank. They didn't even bother putting it on letterhead this time.
Product: Vehicle loan or lease

I have been making my car payments early. Santander consumer USA its not calculating the interest correctly for my payment amounts. I made my car loan 30 days early. They charged me {$300.00} in interest and only applied XXXX something towards the principal. I called and spoke to the manager and when I asked her detailed questions she hung up on me. I believe Santander consumer USA is fraudulently over charging my auto loan account. If you look at my payment history and the amount applied towards interest and principal amounts. The daily rates and interest charges are being billed incorrectly. I should not owe that much interest especially if I am making my monthly payment early. I have never been late with my auto loan payments. Please investigate all principal and interest amounts on my account for every payment made.
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX I received an email from Citibank about my revolving credit limit. My revolving credit limit was {$15000.00}. On XX/XX/XXXX the email advised me that my new credit limit was {$3300.00}. I have never once missed or been late with a payment to this account ( or any of my accounts for that matter ). This left me with an available balance of approximately {$90.00}. In the middle of a pandemic when I needed them the most, they took away my entire credit limit. I checked with XXXX  to make sure I didn't have a problem. There is nothing delinquent or derogatory on my report. My credit score is XXXX, maybe not perfect but decent. Citibank advised me that my credit was reduced due to my credit score. 

When I asked to be transferred to the credit department they told me they were unavailable for phone calls and that there was no way to reach them. HOW SHAMEFUL IS THAT??? I can understand in these trying times to reduce a credit limit, but to reduce it by {$12000.00} is completely unacceptable. When I asked to put a partial amount back they refused. Citibank should be ashamed of themselves!!! 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. 10 different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ), XX/XX/XXXX XX/XX/XXXX ( again 2 in one day ) and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XX/XX/XXXX Car Buying Attempt : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( 2 in one day ) Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED NAMES ALONG WITH ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX Account DATE : [ XX/XX/XXXX Reason : [ NEED HARD INQUIRY REMOVED ASAP By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Received a letter from SB & C Ltd saying that we owe them {$1200.00} We do not owe SB & C Ltd any money
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX  # XXXX Account Name : XXXX  # XXXX
Product: Checking or savings account

I was supposed to receive my paycheck by direct deposit on Thursday morning, didnt show up at all on Thursday. Here we are on Friday close to noon and still no paycheck. I have automatic bill payments getting declined that will ultimately mess with my credit and no one within the company can give me an answer or an estimate on when this will be resolved and when I will get MY hard earned money. But they can send me text messages letting me know that said payments are getting declined
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with the target credit card was never late. I have tried to reach out to target and the credit reporting agency with no luck.
Product: Credit reporting or other personal consumer reports

Equifax decreased my credit score by XXXX points over a sudden decrease of my XXXX XXXX account in the amount of {$1500.00}. 
That amount was used for a household emergency because our water main pipe had burst. I am lucky I had that money on hand and I have been making payments to XXXX XXXX for that. 
Equifax also stated that because of the sudden decrease of money any creditor may look at that as me not being able to pay my bills. 
So they are also lowering my credit score because of an assumption and not actual facts. 
I do not think it is fair. 
So when I go to the Equifax website to question the drop in my credit score they say I have to pay {$4.00} for the first 30 days to have an account with them and then they charge {$19.00} a month after that. 
It seems like they are taking advantage of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are late payments listed for a collection accounts that I did not sign a payment agreements for. These collection agencies claiming a history of late payments are a false representations to my relationship with them. Im constantly getting denied for homes, cars, and other things that are needed to take care of me and my son and its becoming a big inconvenience.
Product: Checking or savings account

I started from this past Monday and I had somebody send me money to my Chime account to get gas. I pull up as soon as I pull to get gas money was taking out of my account and then I was denied at gas pump so I called them and they said it was an unauthorized charge. They get it fixed after Ive sent numerous emails and all my identification and I follow all the links and I follow all with asked for they said I would have it within four hours. Its been XXXX days later and still Ive been on the phone with them numerous times for numerous hours and its not resolved, they have my money. I am still out of gas on the XXXX XXXX XXXX XXXX because of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2022, I have written a letter TransUnion and Informed them that following items on my credit report are inaccurate and they should be remove ASAP. I never received any corresponding from the TransUnion that they have initiated any inquiry. It has been 30 days since I sent them letter. Therefore, According to the XXXX FCRA the following unauthorized and unverified items must be removed immediately, since they are stopping me to getting into a home. 

1. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. TX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. TX- XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I acquired a credit report because I was interested in getting a loan. I found a large some of unauthorized accounts, inaccurate personal information, and unauthorized inquiries on my report with experain, XXXX and XXXX. These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S.

Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!
Product: Mortgage

I refinanced my mortgage with Quicken Loans, and the loan closed on XXXX XXXX, 2015. On XXXX XXXX, 2015, funds were disbursed and my previous loan was paid off, and I was supposed to receive a disbursement check of {$950.00}. The check was supposed to be sent by overnight mail and I was supposed to receive the check on XXXX XXXX. As of today I have not received the check, and after several phone calls to XXXX, without receiving a return call until yesterday, I was finally told that it was the title company that supposedly mailed the check by mail instead of by express overnight service. The title company has no tracking number for the mailing and can not provide a location of it or a delivery date. As such, it remains unclear when I will receive these funds, that are obviously due to me per contract.
Product: Credit reporting

I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however XXXX and Equifax will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.