23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : Dispute of Unauthorized Information Disclosure Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law.

Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate I kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. 

Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681.

Please provide me with a written response detailing the actions taken to rectify this matter within 30 days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Today XXXX XXXX XXXX XXXX XXXX XXXX  aprox, I logged into my online banking and noticed many unathorized charges on my account made with my debit card. I noticed that is not in my possesion. 
I called the bank 3 times to order to lock my card and that was denied by them violationg the XXXX  XXXX, they just say go to a branch. 
The card remains active, and the bank didn proceed with the instruction to lock it. 
Also I need to know how to get a replacement card and open a fraud dispute on those charges.
Product: Payday loan, title loan, or personal loan

I been thoroughly off and on, on this web site to clear, Fix, and dont do this again. 
And Still too my surprise, AGAIN!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$590.00} Balance {$590.00} Highest Balance {$590.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 a account without my written instructions
Product: Debt collection

I HAVE A MEDICAL DEBT FROM A XXXX XXXX THAT IS BETWEEN 15-20 YEARS OLD.

I HAVE DISPUTED THIS WITH XXXX AT LEAST FOUR TIMES ON XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX WITH THE DEBT BEING DELETED ONLY TO SHOW UP AGAIN THE LATEST NOW IS XX/XX/XXXX. THE DEBTOR IS COMMONWEALTH FINANCIAL SYSTEMS WHO IS THE ORIGINAL DEBTOR BUT SOMETIMES HAS SHOWN UP WITH ANOTHER DEBT COLLECTORS NAME.

I MEAN HOW LONG CAN THEY CONTINUE THIS HARRASSMENT?? IT ISN'T FAIR THEY KEEP DOING THIS. THANK YOU
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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.

This is my six request I have sent and nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to Transunion that this account is a FRAUD account but they keep reporting it. I have sent everything requested. Please delete and block this fraud account for XXXX XXXX. This account does not belong to me.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ; Capital One Cc : \ CFPB Since XX/XX/XXXX of the XXXX, I made a payment for the amount of {$25.00} based on a sales pitch sent by one of capital ones representatives that day I was going to pay an amount of {$150.00} but I they stated to do the letter. I then went ahead and made the {$25.00} payment later to come to find out if they have put my go to collections. I disputable multiple agents in one of the quarter that I was never in a structured payment plan with capital one which is false then later I received a letter theyre closed one of my accounts due to personal business decision they had made. Later the dispute was found that I was at fault for something I tried to pay in the beginning and that it was my fault for listening to the agent advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan accounts for a XXXXyears old? Didn't i told you i never been to college in USA?

Im really dismayed, shocked, emotionally and financially stressed because Ive disputed these accounts above and below with all the 3 major credit bureaus, cfpb and ftc compliance team, but it continues to report on my credit profile with incomplete, inaccurate, and unverifiable information and with multiple inaccuracies. There is no way that this account can truthfully be investigated due to those violations of reporting, plus Ive submitted FTC affidavit proving that I have never had any prior relationship with none of those companies. As you can see on the attachment, they have wrong Date-of-Birth, wrong Driver License ; wrong email, etc. Ive asked them directly to legally validate the debts, with all the required documents, and theyve failed to do so. ITS NOT IN COMPLIANT WITH THE CONSUMER LAWS AND ITS NOT MINE!
Product: Mortgage

My mortgage was transferred for servicing. I can't access online or by phone. They can not figure out a way for me to make a payment. I have tried every phone number and email they have sent me.
Product: Debt collection

Sometime between XXXX and XX/XX/2019 I went to make a large purchase, they ran my credit and it was brought to my attention that " XXXX XXXX '' or " XXXX XXXX XXXX '' put a $ XXXX collections account on my credit file, stating that the account was opened in XX/XX/2019. During which time I did not live in the state of Minnesota. I have not, to date, received ANY correspondences regarding this alleged debt owed. Between XX/XX/2019 and Present, the amount owed mysteriously changed from $ XXXX to now showing as $ XXXX. In XX/XX/2019, I filed a dispute with all three major credit bureaus, Equifax, XXXX and XXXX XXXX. Since then, XXXX XXXX and XXXX  have both investigated and determined that said account does not belong to me and have removed them from my credit files completely. To date, I am still in a back and forth battle with Equifax. They refuse to remove this inaccurate reporting from my credit file. I would like to note, I have zero collections accounts on my credit file with exceptional payment history on all open accounts. This fraudulently reported account may hinder my home buying process. Please advise.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request your assistance in resolving an issue regarding the account listed on my credit report under the name XXXX XXXX XXXX XXXX This account was opened on XX/XX/year>2016, and appears to have been reported inaccurately. Specifically, I was not of legal age at the time of opening this account and therefore, I should not have been permitted to open the account. 

Despite multiple attempts to have this matter corrected directly with the reporting company, they have refused to remove the account from my credit profile. Additionally, the account has been listed on my credit report for more than XXXX years, far exceeding the legally required time frame for account retention under the Fair Credit Reporting Act ( FCRA ), which mandates that negative information be removed from a consumers credit report after XXXX years. 

According to the FCRA, any information reported to credit bureaus must be accurate, and any incorrect or outdated information must be corrected or removed in a timely manner. The inclusion of this account on my credit report constitutes a violation of these provisions, and I am requesting that you intervene and ensure that it is removed promptly. 

I appreciate your prompt attention to this matter and request that you contact the relevant parties to ensure the immediate removal of this inaccurate account from my credit report. 
. 

Thank you for your time and assistance. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a dispute under the FCRA 15 US Code 1681 B that reporting agency did not have my written consent to publish such information and with no consent per 15 US Code 1681 C1 that is identity theft.
Product: Vehicle loan or lease

Santander consumer USA I purchased a car from them and I paid on it for 4 years regularly, and I eventually sold the car because of mechanical problems. 

My new lender paid off the loan, and there was Gap coverage remaining that was due to be refunded to me. 

The amount was, I believe, {$320.00}. 

It took a very long time for the check to be issued, and ultimately it was mailed directly to Santander who said that they held on to refunds like that for another 30 to 45 days as a matter of policy. 

I used my debit card to dispute the {$320.00} out of the last payment because they were holding on to those funds. 

A few weeks later, they did send me the refund check and I cashed it. 

First, they called me and told me that I owed them {$500.00}. 

Then, today they called me saying that I owed another {$400.00}. 

I told them that I could see my way into paying {$320.00}, but not the other {$75.00}. 

And I told them if they wanted to get the money from me then they would have to take me to court or to mediation. 

The representative insisted that what I had to do was pay for XXXX and interest will still accruing otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several incorrect issues on my credit reportwrong social security number and spelling of my name even after I submitted documents. I have filed a complaint with my states Attorney General and XXXX the Fair Trade Commission.
Product: Student loan

Three months before graduating college in XXXX of XXXX, Sallie Mae started my payments reaching XXXX dollars a month. During this time I did not have my degree yet, so I had to use my deferment. After graduating I was looking for a job though with no experience it was hard to find one. During that time I had to use my forbearance. The monthly cost of my student loans was still XXXX dollars. I was given no repayment options to lower my month amount. In XXXX I moved to have more job opportunities, during that time I was put into contact with Sallie Mae 's collection department because of my inability to pay the XXXX a month. I was told then that because I used ALL of my deferment and forbearance I was LOCKED out of ALL programs they had. I was never informed of this stipulation. The collection department put me on a program that lowered my monthly payment to XXXX dollars. This program only lasted for 2 years. I was able to get onto this program again in XXXX. Which lasted for another 2 years. I was never told that I was only able to be on this program twice. So in XXXX I was told I had used up EVERYTHING Sallie Mae had to offer. With my new job I was able to make the XXXX month payment barely, still having to figure out basic necessities and rent. My payments jumped from XXXX a month to XXXX to XXXX. I have called multiple times a year to try to get on a program that could lower my monthly payment, they always say their hands are tied. In XXXX I found out that the college I had attended was deemed fraudulent for misrepresentation. A discharge of federal loans was put in place immediately. However my college federal assistance department overcharged and put most of my student loans in a private business ; Sallie Mae. I have tried consolidating to get away from Sallie Mae, but have hit walls because of the amount on my loan vs how much I made. In XXXX I lost my job and became homeless for half a year. Still Sallie Mae would not work with me. I have been struggling since. My cosigner can not help, in XXXX he went to prison. I have had to ask for other family members help, and help from my partner to make these ridiculous payments. I call them multiple times a year to see if there are any programs. Again, the only response is their hands are tied.
Product: Checking or savings account

* On XX/XX/2021, I applied online for a 1 ) BB & T Bright Banking Checking account and 2 ) a High Performance Money Market account. 
* As part of the application process, I was asked to provide an initial source of funding. I used an existing checking account from XXXX XXXX to provide funding. 
* After I submitted the application online, the initial funding was instantly taken from my checking account at XXXX. The specific amounts were {$100.00} to fund the checking account and {$200.00} to fund the money market account, for a total of {$300.00}. 
XXXX XXXX XX/XX/2021 ( the very next day ), BB & T sent a letter by mail informing me that my account ( s ) were closed and that within 10 business days they would either 1 ) mail a check with the funds in my account or 2 ) return the funds to the financial institution who originated the funding deposit ( s ).

* More than 25 business days have passed and I have not receive the initial funding back.

* I have contacted BB & T multiple times with no insightful response.

* It is outright fraudulent for BB & T to have withdrawn initial funding from another banking institution for an application that was de facto declined.

* It is also outright fraudulent not to follow up on their own legal correspondence which had promised to return the funds within 10 business days.

* Furthermore it is very problematic that BB & T has no actual customer service. Both the phone number on the back of the debit card, and the general phone number on BB & T 's web page are inaccessible without a special security PIN. This PIN is not automatically provided during the application, nor automatically mailed thereafter.
Product: Credit reporting or other personal consumer reports

I am formally disputing multiple inaccurate accounts that have been reported on my consumer report by both a creditor and the credit reporting agencies. These inaccuracies are causing me significant financial and personal harm, and I believe the involved parties have violated multiple consumer protection laws. I am seeking your immediate assistance in ensuring they are held accountable for these violations and that my report is corrected without further delay. 
The accounts in question are : XXXXXXXX XXXX XXXX Account Number : XXXX ) XXXX ( Account Number : XXXXXXXX XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) I have previously put the credit reporting agencies and furnishers on notice regarding these inaccuracies through multiple written disputes, yet no corrective action has been taken. Enclosed are my prior letters to Equifax, Experian, and TransUnion, as well as my FTC Identity Theft Report ( Report Number : XXXX ), which serves as proof of the fraudulent nature of these accounts.

Violations of Consumer Protection Laws These credit reporting agencies and furnishers have failed to comply with federal laws designed to protect consumers, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct inaccurate information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies.

15 U.S.C. 1681c-2 Failure to block information resulting from identity theft upon proper notification.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692g ( a ) Failure to properly validate the alleged debt upon request.

15 U.S.C. 1692b ( 2 ) Unauthorized third-party disclosure of debt-related information.

15 U.S.C. 1692c Engaging in unlawful debt collection communications without my express consent.

Additionally, the misclassification of charged-off accounts may constitute an IRS violation , as charge-offs are treated as gross or ordinary income under IRS regulations. Misrepresenting these as collectible debts on my consumer report is both misleading and legally improper.
Product: Debt collection

I had purchased a phone from sprint before the merger back a few years ago upon not wanting the phone I shipped XXXX back the phone. I have the shipping label for their tracking and they changed the amount owed on my account and put it in collections. It has ten been sold to two companies and I.C Systems , INC has the collection account now. I explained this to them and they could not provide me the contract that XXXX stated I signed to show that I was fully enrolled. The account only shows on my XXXX and if possible I would like this removed without payment because I sent back the phone that they charged me {$830.00} for in the past.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received pandemic unemployment from the state of PA in the form of a visa debit card issued by ReliaCard. When attempting to activate the card I was denied access. I called unemployment and the treasury department where I was told there is no hold on the claim. On XX/XX/XXXX Reliacard sent a text message requesting a " selphie '', which I immediately sent. On XX/XX/XXXX, the card was still being denied. I immediately called, and was to fax SS, drivers license, 2019 tex return, and W2 form to fax number ( XXXX ). On XX/XX/XXXX I called again, since th card still would not activate. I was told then to fax it again, at 200 % magnifaction. I was then told the matter would be escalated and to call back in 10 business days. Ten days later I was told the hold remains and can not be lifted, with no instructions for recourse. PA treasury has issued the claims, as I have been able to successfully verify the amount on the card. Todate, I am still unable to activate the card. As of today, the debit card has over {$11000.00} issued in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 i called transunion on 2 separate occasion about a issue with my credit report regarding an " airline credit card hard inquiry '' which i explained the phone number does not work and the address is a p.o. box. The first time they gave me a phone number to call the merchant and ask for a letter of deletion. when i called the number they say they do not know anything about it and that they are not related to that company. When I called transunion back to open a dispute so transunion does there job and investigate this fraud they said told me the same thing and said it happens to all XXXX XXXX people and to call the same merchants back and call XXXX XXXX  as well, which has no customer service number at all, to have them fix this. This is beyond ridiculous and beyond just passing the problem along. Transunion did nothing when i called to open a dispute into my credit report when it is their responsibility not mines to investigate anything that i request especially if I told you the company does not exist and the company they refereed to me basically disavowed any knowledge of this company. I
Product: Credit reporting or other personal consumer reports

RE : DISPUTED INQUIRIES To whom it may concern, as of XXXX XXXX, I disputed inquiry errors on my credit report. The inquiries I submitted to all credit reporting agencies are erroneous and were made without my written consent and authorization. I have not received any response from the credit reporting agencies with in the 15 day time frame according to the FCRA law. I have a right to a receive a response from the credit reporting agencies to these inquiries I did not consent too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for taking the time to investigate my situation with the Experian reporting agency and XXXX XXXX. 

In XXXX my credit rating with Experian was sitting at a healthy XXXX, then all of a sudden points had dropped 41 points dropped and my rating went down from a RED C on my XXXX XXXX and it baffled me. I paid the balance of my credit card account and I was reprimanded with a Red C and a closed account on Experian? My account was never in bad standing with XXXX XXXX never a late payment, I may have been over my limit but never had a debt collector chase me for payment as I always paid my dues or if I went over limit paid extra into my account. 

I was horrified! 

I was planning this year to purchase a home and I had this defaming red C with debt collectors stated on my credit report. 

I rang Experian to find out what it was they asked my to raise a dispute, I did so. 
I rand XXXX and they were stumped why my balance of a {$0.00} was reported as a debt collection and never have they reported my account in collections. 

Today I received another alert on my profile with XXXX XXXX  as a Red C for the month of XXXX and XXXX is sitting with a Green tick to state its open? 

I am floored that Experian is posting my 2 months of one payment of full balance and non used of my card in XXXX as CLOSED ACCOUNTS WITH DEBT COLLECTION???? 

I dont want to be given the turn around again with Experian every time I talk to someone and I want to speak to a supervisor I get the same old " raise a dispute '' I have waited more than a month for them to clear off the XXXX and they have not and now I have one for XXXX. 

Could someone please help this has affected my opportunity get a mortgage or any loan in the market under my name which has never had any issue with any creditor. 


Yours faithfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly