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

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. State 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 wriiten instructions.
Product: Mortgage

I am with PHH Mortgage I was in a loan modification for XX/XX/year>. I made my first payment and my second payment was {$25.00} short when I noticed that I did mail it off within the next week. However, Im thinking due to the mail being delayed it was not received on time. I was not told that until they returned my payment in the mail, and I was taken off my loan modification, which is now causing me to be delinquent and have to pay my previous balance of penalties. I was told by a representative that there was not a problem because it was only {$25.00}. however, they did not take that payment and I was taking off of the modification. I have been in my home for 20 years and I have had some hardship. I do not want to lose my home. I do have some funds saved up, but not the total amount thats due at this time I would just like to know if theres something or someone that can assist me or give me some information to proceed. 
I was just told that I was not going to be taken off of the loan modification from my representative but within the next month I was taking off of the loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$300.00} XXXX {$300.00} XXXX {$150.00} XXXX XXXX {$110000.00} XXXX XXXX {$2500.00} XXXX XXXX {$2500.00} XXXX   XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Money transfer, virtual currency, or money service

I invested {$100.00} into a cryptocurrency platform, CEX IO, of which every time I attempt to recouped any monies aI receive an error message system unavailable.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX # XXXX I do not have a contract with XXXX XXXX XXXX XXXX I was never provided with any contract whatsoever this is a violation of Fair Credit Reporting Act please remove immediately and stop Harassing and reporting negative to my credit or else I will have to take legal action! Further more I never gave consent to furnish my information this is considered illegal!
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED FRAUDULENT INQUIRIES. 
XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has last reported data on XX/XX/2023 so that it will not report that my account has been charged off and closed. Kindly either delete the account or update it to reflect the charge off, the closed status and the correct date of first delinquency along with other required data including that Consumer Disputes Account, Affected By Declare Natural Disaster, correct the Facially False Data that is obvious.
Product: Mortgage

My mother died on XXXX XXXX, 2015. I am the administrator of her estate. She had done a reverse mortgage with the lender RMS ( reverse mortgage solutions ). We have given the lender everything they have asked for and we are currently trying to sell the home ourselves. However, the lender will not communicate to me what the timeframe is that we have to sell the property. Can you help us get this information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/23 on inaccurate information. They have not removed my disputes only updated them and those inquiries were not mine.
Product: Credit card or prepaid card

XXXX : by XXXX XXXX card opened in my name. I closed the account on XX/XX/XXXX when I received the statement. 

Bank of America just called me regarding a request in my name.
Product: Checking or savings account

These are the unauthorized charges to our debit card with USAA Bank. 

XX/XX/18 XXXX XXXX XXXX- {$2700.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXXXXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/18 XXXX XXXX XXXX  XXXX XXXX {$40.00} we informed the bank that these were unauthorized and approximately a month later they told us they WERE authorized. We have requested associated documents used by them to reach that conclusion and are still waiting for them to furnish them, It has been over a month since that request.
Product: Vehicle loan or lease

The company ran a hard report on my credit and I never authorized it. I have never even heard of this company. I received a denial for a loan from them. I have already secured a loan with my own bank and paid the dealorship and then i received this denial. The letter showed they ran a hard Lookup on my credit, and included my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2022 I have mailed letters to the different credit bureaus and within a couple weeks they would come back as verified and when I asked for proof they send me a bill with name and address no signature or anything, and when I asked again for better proof they said they won't reinvestigate or open another investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATONS ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked XXXX website and I discovered I have a debt collection with a company called XXXX XXXX XXXX XXXX. The information from XXXX says I opened the account on XXXX XXXX for an amount of {$3000.00}. I did not take a loan out and I have no idea where this came from. I have bank statements to show I never received or taken {$3000.00} from this company called XXXX XXXX XXXX XXXX. I disputed with XXXX but they denied my claim.
Product: Payday loan, title loan, personal loan, or advance loan

I paid XXXX payments of {$340.00} on time over 2 and a half months and my balance went up! also, when I signed up for the loan, the APR was just over 200 % and they raised APR to over 700 %!
Product: Checking or savings account

This issue has to do with the way that Bank of America does their account linking in their Bill Pay part of their website. In certain cases it looks like account links in the Bill Pay Center can be removed without warning. It might result in overdue fees, interest on balances and negative impacts to credit score. 



I used to have a Bank of America checking account in like XXXX but closed that but kept using a Bank of America credit card. I paid the bills for that credit card using a checking account at another bank, call it Bank1. Fast forward to like summer of XXXX and I opened a new checking account at another bank, call it Bank2. I verified and linked up my Bank of America Bill Pay to autopay the Bank of America credit card from Bank2 for the last 2 months. 
I re-opened a checking account with Bank of America during the last week of XXXX and my previously linked checking account from Bank2 has disappeared from the Bank of America bill pay center. For some reason, re-opening a checking account at Bank of America reverted the banks I had set up in Bill Pay to what is was in XXXX. 



In my Bill pay center it clearly shows that the autopay from Bank2 was set up before because it says the autopay is still scheduled but an unverified account. And I don't see a way to set up a payment from a bank account that is not linked to my Bank of America Bill Pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a credit card with THE XXXX XXXX XXXX XXXX XXXX and have a balance of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX XXXX credit score and my Equifax is showing 6 hard pulls that I do not recognize.XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted Equifax and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified USPS mail to Conns Credit Corp that was signed for by an employee at the address listed on my credit report on XX/XX/2018. The letter disputed an account they are currently listing on my credit report as having been late over 30 days on four ( 4 ) occasions. They sent me a letter back a few weeks later with what was supposedly " verification '' of the reported account. I waited the required 30 days as per the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). On the 31st day, I printed an updated copy of my credit report and it still contained the above-mentioned account and had not been marked " disputed '' by any of the credit bureaus as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).  We are now at XX/XX/2018 and I have since printed two additional updated credit reports that do not have the accounts listed as " disputed ''. Throughout this entire process, I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.
Product: Checking or savings account

I had a 13 month CD with CIT Bank for {$140000.00}. On XX/XX/2024, I received the renewal rate which was .3 %. I called on XX/XX/2024 and requested to close the account as that was not an acceptable rate. They claimed that I was past my 10 day grace period for auto-renewing. 

I protested that I didn't know the new rate until 2 days before my call ( a Saturday ) and therefor could not make the decision whether to renew with them at that rate or not. They claim that that does not matter as I was past my grace period and I was informed about the renewal date, though not the renewal amount. 

They are charging a 6 month interest penalty as it was a 13 month CD that was renewing. All of my protests were met with their stating " It is in our disclosure statements ''. 

Is this is legal and within the banking rules? 

I look forward to your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply concerned about the derogatory rating associated with the account being reported. It has had a significant impact on my credit standing, leading to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial distress this negative rating has caused me, and it will continue to affect me both financially and emotionally until it is resolved.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued disappointment and concern regarding the unresolved dispute I submitted regarding the unauthorized accounts on my credit report, which are a result of identity theft. Despite my previous correspondence and the supporting documentation I provided, I am slightly sad to note that the accounts in question have not yet been removed from my credit report. I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. Since my initial dispute, I have taken additional steps to verify my identity and provide you with the necessary documentation to support my claim. As mentioned in my previous letter, I enclosed a copy of my government-issued ID, proof of address, and indicated my intention to file a police report. I have since filed the police report, which further substantiates the identity theft incident. I would like to request an update on the status of your investigation and the reasons for the delay in removing these unauthorized accounts from my credit report. The extended presence of these fraudulent entries is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. XXXX XXXX. Please remove this account ASAP.
Product: Checking or savings account

VyStar Credit Union, I believe, is not meeting their Fiduciary Duty. I received an email from Vystar on XX/XX/2022 stating that beginning on XX/XX/2022 until XX/XX/2022 online and mobile banking will be off line. At least 5 days before I had no way to use the bill pay option on the website. The system went down on XX/XX/2022, and wasnt functioning at all for at least 10 days. Vystar is limiting how many people can log on at once, and I can only see my last three transactions online when I can log on. Its been a difficult process to get into the system. Vystar has given no date when this problem will be resolved. The reason I believe Vystar isnt meeting their Fiduciary Duties are the fact they gave XXXX XXXX dollars to a start up company, XXXX, that shares the building they are in, has no other customers, and has two of Vystar Excutives on their board, XXXX XXXX, and XXXX XXXX. I as a Vystar Credit Union Member believe they continue to work with XXXX, because if their on going ties to them. I feel that since there are no time frame of when the online banking system will be up, or if it will be operational at all they should be looking for another more experienced IT company to resolve this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute several fraudulent hard inquiries that have appeared on my credit report. Upon reviewing my credit report, I have noticed multiple inquiries that I did not authorize or consent to. 

I am concerned about the potential negative impact these inquiries may have on my credit score and overall creditworthiness. As a responsible and diligent consumer, I take great care to protect my personal information and only authorize inquiries when necessary. 

I believe that these inquiries are a result of identity theft or fraud, and I am requesting that they be immediately removed from my credit report. I would appreciate a prompt investigation into this matter, and any assistance you can provide in resolving this issue would be greatly appreciated. 

Please let me know the steps that I need to take in order to address this matter and provide any necessary documentation that you may require. I also request that you provide me with a written confirmation of the removal of these inquiries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Here are the inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. 

Remove fraud alert
Product: Credit card

I received a XXXX tax form from Wells Fargo-Customer Remediation , form 1099-INT. The tax form has as interest income XXXX which I never received so I called the Remediation Support Team number at XXXX on XX/XX/XXXX. I spoke to a lady name XXXX and she said I should of received a check for a little over {$5000.00} instead in XXXX. She put in the request and said it will take up to 45 days to receive and the contact number to follow-up is XXXX and reference number XXXX. I called both numbers today around XXXX and both had automated messages that the office was closed. I want to know if this Wells Fargo Remediation is real because the tax form is incorrect and I didn't receive the check or it's a scam. The account number on this form was a credit card opened XXXX, closed in XXXX, and paid off in XXXX.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, I'm reaching out because I've noticed several issues with my credit report, including wrong account listings, unauthorized inquiries, reporting mistakes, billing errors, and accounts that aren't mine. 

I need help fixing these problems to protect my financial security.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

This letter serves as a formal notice that the credit bureau has failed to resolve my dispute or make contact with me within the stipulated 30-day period following the receipt of my initial letter.

One of the fundamental rights outlined in the Fair Credit Reporting Act mandates that a credit reporting agency MUST update or delete inaccurate information. The Credit Reporting agency has been granted thirty days to investigate this claim. Under the FCRA, it is obligatory that my dispute be resolved within this timeframe. 

I am hereby requesting that my dispute be addressed immediately and that the following inaccurate items from my original request be updated : INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Ally Bank Auto,  is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX are all All three credit bureaus are inaccurately reporting false information on my credit report, which is negatively impacting my life and significantly affecting my creditworthiness. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists All accounts needs to be removed