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 XXXX Account Number : XXXX XX/XX/2019 has violated my rights. Or 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: Checking or savings account

After file my tax I decided to go with XXXX XXXX and they offered credit kharma to have my tax return. So I decide to out my direst deposit to my credit kharma debit card. After my direct deposit from work we r thru. After 2 day on XX/XX/XXXX, there was two withdraw transaction in XXXX XXXX California with me debit card. I receive a messege thru credit kharam app. I was at work ar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have my debit card with me. I called the credit Khama help center and they denied my dispute. They giving me all these reasoning saying check my email and theyre not helping me. I work hard for my money and I only get paid {$18.00} an hour. So {$400.00} is a lot for me. Can you please help me. I am so angry I went with this company because they scamed me.
Product: Debt collection

In early XX/XX/XXXX we resolved all past due accounts with XXXX XXXX XXXX XXXX. Despite this, a debt collector who claims to be acting on their behalf has continued to attempt to collect a debt. We received confirmation on this via letter on or about XX/XX/XXXX. A little over a week later, we received a letter from XXXX XXXX. Which was postmarked on XX/XX/XXXX. Initially this was ignored as we assumed they hadn't been updated by XXXX XXXX. Since then, i have received multiple illegal robocalls to my cellphone. From this it is clear that this wasn't the issue. They simply have no concern for the law. They have continued their brazen and unlawful harassment for a debt not owed by sending a letter which was received on Monday XX/XX/XXXX. On XX/XX/XXXX , XXXX XXXX was contacted and confirmed no debt was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an auto loan with united auto credit. I filed a chapter XXXX bankruptcy on XX/XX/2019. The account was discharged in the  chapter XXXX on XX/XX/2019. They will not update the file. They keep listing the balance owed and as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted FTC and Police Report to this Credit Reporting Agency ( EXPERIAN ) on XX/XX/2021 according to FTC these fraudulent accounts resulting in Identity Theft must be removed in 4 days pursuant to 15 usc 1681c-2. 


I've asked EXPERIAN to please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report which they have failed so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though my credit scores are good, I am unable to get a loan, credit card or anything financed due to the complete incompetence of Experian. 
Their computer generated answering system placed a security freeze on my account without my request, permission or approval. 
The cost of this egregious error is substantial. When I finally realized the error, I called to correct their incompetence and now have to send written letters detailing who I am. They should be required to have a live body with a functioning brain answer for their computer XXXX ups. XXXX XXXX refused a new card because of this as did XXXX XXXX and several others.
Product: Credit reporting or other personal consumer reports

I wrote a dispute letter last month on XXXX XXXX and did not get a response.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score.
Product: Debt collection

I am writing to formally dispute and request the removal of a collection account being reported on my credit report by LVNV Funding, LLC. I believe this account is being inaccurately reported and is unverifiable under the law. 

Account Details : Debt Buyer : LVNV Funding, LLC Amount Reported : {$1700.00} Reasons for Dispute : 1. Lack of Proper Documentation LVNV Funding, LLC has not provided legally required documentation proving that they own the debt or that I am responsible for it. Under 15 U.S.C. 1692g of the FDCPA, debt collectors must provide proper validation upon request.

2. Failure to Provide a Notice of Debt Validation I have not received a proper Notice of Debt Validation within the legally required time frame. Without this, the debt can not be legally collected or reported. 

XXXX. Incorrect Credit Reporting Despite previous disputes with the credit bureaus ( XXXX, XXXX, XXXX ), the account remains on my report without sufficient validation. Under 15 U.S.C. 1681s-2 of the FCRA, only verified and accurate information can be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the account with new era assets for the amount of XXXX and it is still showing up on my credit my report and negatively affecting my score. On my credit report its showing as a collection from XXXX XXXX. But was then taken over by new era assets.
Product: Credit reporting or other personal consumer reports

Remove these inquiries at the earliest, as I have no knowledge of them, and the company proceeded without obtaining my consent.
Product: Credit card

Charge amount is {$180.00} and the charge hit my account on XX/XX/2023. I reported a dispute to the vendor XXXX XXXX and to the credit card issuer, Synchrony Bank . During the course of the vendors investigation, they agreed in writing that a refund would be issued ; however, since the card issuer had given me a temporary credit, the vendor said there was nothing for them to do again in writing. 

The card issuer reversed the credit, despite the cofactors that the vendor was admitting a mistake. The card issuer didnt care. They refused to review my communication with the vendor. 

The vendor said if I could get a letter from the card issuer denying my claim, they would send me a refund. The issuer has not sent me a letter despite several requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have had nothing but issues since I opened my XXXX XXXX Store card. I have never physically received the actual card itself. I have for this first time received my first physical statement in the month of XX/XX/2024 since I opened this account. Because I have not received the previous statements and nor physically had the store card to set up online access, it's hindered my ability to abide by all payment requirements. In lieu of this, my consumer reports has been greatly affected by this single account. I have had trouble moving into a house along with many other things. 
In accordance with 15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates.

I am revoking oral & written permission to report these late payments on my consumer report due to the nature of me not being informed properly to make payments.

Also as a violation 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal I am notifying of you these violations and choosing a peacefully resolution if granted.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute and Request for Removal Under FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent items from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). The following accounts and inquiries were fraudulently added to my credit report without my authorization and must be removed immediately in compliance with federal law. The presence of this inaccurate information on my credit report has caused significant harm, including defamation of character and financial loss, as well as severe emotional distress. This situation has negatively impacted my mental health and resulted in lost opportunities. I demand immediate correction of this error to reflect accurate reporting. 

The fraudulent accounts/inquiries include : 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 8. Identity Theft XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 9. Identity Theft XXXX XXXX XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 As required by law, the credit bureau must remove these items from my report within four business days of the submission of my complaint to the Consumer Financial Protection Bureau ( CFPB ). This statute mandates the immediate blocking and deletion of any fraudulent information reported by an identity theft victim. 

I have enclosed the following documentation in support of my dispute : A copy of my FTC Identity Theft Report A copy of my government-issued identification Any additional supporting documentation Failure to comply with this request within the mandated timeframe will leave me no choice but to pursue further legal action and escalate this matter to the appropriate regulatory authorities. 

Please confirm in writing that the fraudulent items have been removed and provide me with an updated copy of my credit report reflecting these changes. 

I appreciate your immediate attention to this matter. Should you require any further information, please contact me at the details provided above.
Product: Mortgage

We were served foreclosure papers and decided to call the XXXX from Core Advisory 's mail advertisement. The advertisement looked very promising as it states our new payment would be reduced down to a 2 % rate. The advertisement also stated that I am eligible to be a plaintiff to sue my lender so when I called, the conversation I had with XXXX XXXX was did not align with what the advertisement states however I was presented with another option to file complaint against my lender and XXXX informed me that will force my lender to negotiate better loan modification terms. After I paid them upfront {$2200.00} and additional {$120.00} separately to use their notary service, I got an interview with a gentlemen name XXXX XXXX he put together XXXX complaint letters to be sent off to my lender XXXX, US XXXX and my XXXX however after reading the complaint that was put together on my behalf was fabricated or inconsistent to what actually happened. I was better off writing this myself and felt if that was the case, why am I paying these guys over {$2200.00} just to write me XXXX XXXX half page complaints that is n't even factual? Another concern I have with this company is that they sent me a loan modification package and asked me to complete and as well as pay them another {$1800.00} to get the modification application submitted. This is illegal and violates not only the Wisconsin consumer protection act but also the FTC ( XXXX ) rules. I feel this company has taken advantage of me and I would like for them to return my money back as they failed to help me with my mortgage and securing me a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters and paid in full receipts to XXXX XXXX no response in return within 30 days. I also sent letters to XXXX XXXX XXXX XXXX about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.
Product: Credit card

I received an email from the company, stating that I owed a balance. I called the company and informed them that I did not make the purchase. I never had the new card activated. I explained that to them and informed them the purchases were not made by me and I have no idea how the purchases were made when I had the card in my possession. They opened an investigation and about a month later, I received a new bill with the charges put back on the account and was told I was held responsible and if I did not pay, they would report it on my credit report. No other information was provided by them. The card had a charge to XXXX XXXX for {$44.00}, on XX/XX/2023, a charge for XXXX {$110.00} on XX/XX/2023, XXXX for {$110.00} on XX/XX/2023 and a charge to XXXX XXXX XXXX XXXX for {$100.00} on XX/XX/2023.
Product: Checking or savings account

Mailed XXXX minus XXXX before third party check was deposited and have supplied all third party checks evidence of consent to deposit into my account now withholding remaining XXXX check plus XXXX total XXXX that should be refunded to me immediately.
Product: Credit card or prepaid card

I was neglectful in in checking my account. However I had requested from Discover card my statement for the past 5 years, they had obliged and I found 3 items ( approx. {$1400.00} ) I had them check into it and they said that the charges were not mine and was not authorized by me. They I had received a letter from them ( enclosed ) that the amount would be credited to my account. after a week or two I called them and they said it was to far back and told me that they have done numerous things for me that was so irrelevant. Now I told that there records do not go back that far. Need your help in getting this resolved my account after changing it is XXXX XXXX XXXX XXXX, my email is XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request & Accuracy I am writing this letter to formally request validation of the alleged debt associated with the above-mentioned account, as allowed by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g . Pursuant to this law, I am exercising my rights to ensure the accuracy and legitimacy of the debt being pursued by your agency. I am requesting the following information to be provided to me : 1. The original creditor 's name and contact information. 2. Detailed information about the alleged debt, including the amount owed, the nature of the debt, and the date the debt was incurred. 3. Documentation providing evidence of your agency 's authorization to collect this debt. 4. Verification that the statute of limitations has not expired on this debt in accordance with applicable state laws. 5. Copies of any agreements or contracts related to the alleged debt. 6. Proof of your agency 's compliance with all relevant state and federal laws, including licensure to operate as a debt collection agency in my state. 7. A statement confirming that negative reporting to credit bureaus will be ceased if the debt is found to be inaccurately reported. Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If the debt in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of the debt upon my request. Inaccurate or unverified information must be promptly removed or corrected. Please provide the requested information and documentation within 30 days from the date of receipt of this letter. Failure to respond or provide the requested information within the specified timeframe will be considered a violation of the FDCPA and FCRA. Please note that all communications regarding this matter should be in writing and sent to the address listed above. Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.
Product: Credit reporting or other personal consumer reports

All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have submitted a complaint regarding XXXX XXXX Credit Card with Wells Fargo. 
Please review CFPB XXXX. I received letters from Wells Fargo stating more time is needed. However I also received a letter offering me a settlement. 

I had a settlement that was not honored and did not have term stating it could be terminated or cancelled. In XX/XX/scrub> XXXX  I called to make payment but had a personal emergency and could not make the payment. Upon calling Wells Fargo XX/XX/year> I was informed that my settlement plan had been cancelled since I was past 30 days making a payment. All of the documentation I have received does not state that if I become over 30 past due they would cancel the settlement payment plan. The representative said the payments were due on the fifth but all my a paperwork says due on the seventh.
Product: Checking or savings account

I opened a checking account with Citibank on XX/XX/year> and deposited {$75000.00} from my savings at XXXX XXXX because Citibank had a promotion of {$1000.00} new account bonus. When I called to inquire about the bonus, I was told that the bonus is only {$500.00} for a minimum balance of {$30000.00} for 60 days, not {$1000.00} for the {$75000.00} balance. Therefore, I went online on XX/XX/year> to transfer some funds back into my savings account where I can earn interest. Since the maximum online transfer limit is {$10000.00} daily, I submitted a transfer of {$10000.00} to my XXXX XXXX savings account. I then received an online message that there was error with my transaction and to call this toll-free number. When I did so, the customer service representative asked me some verification questions ( i.e., my phone number and mother 's maiden name ) which I provided the answers. She then proceeded to tell me that she was not able to verify my answers and the next thing I knew my account had been blocked. I asked to speak to a supervisor who told me that I have to wait for them to send me a letter with a reference number and once I give them that number, they can unblock my account. On XX/XX/year> I received this letter ( see attached ) with the reference code and when I called their Fraud Division on Monday, XX/XX/year>, to give them the code, thinking that this will be the end of it, I was told that they still need another 24 to 48 hours to review my account. At this time on XX/XX/year>, I can not even sign in to my account so I have no idea if my money is still there. Citibank has been holding my money for over a week without giving me any explanation as to why they keep having to " review '' my account. I believe that they are stalling so they can basically use my money for free and not paying me any interest for the use of my fund. I also have bills that I need to pay and I need some help to get my funds released by Citibank.
Product: Debt collection

Contacted me " The law offices of Frederic I. Weinburg & associates, P.C. as a debt collector '' about a debt supposedly owed to XXXX XXXX XXXX XXXX XXXX' They do not have a NMLS in my state. They only practice in pa, NJ and CO.
Product: Debt collection

Ccs collection claim I owe {$660.00} never heard of company or did business with them
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX  I have disputed this account more than 5 times and each one comes back the same. The company still allows them to keep the information on my credit when I've submitted information to them in regards to the account being closed, paid in full, and previously the creditor reported payments were ALL on time never late, and now that I filed a claim with CFPB right after they entered falsified information saying I was late the entire year of XXXX in which I was not. They are allowing this creditor to say the account is still open when it is not open it was closed in XXXX XXXXXXXXXXXX XXXX XXXX/ this account has been removed from my credit based on decision of dispute and they have allowed the company to play double jeopardy in an attempt to collect funds not owed. The credit reporting agency has information from each dispute and prior to allowing a company to submit anything they should use that information to determine it is not legal what the collection company is doing and violates my rights as a consumer.