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. 

XXXX BANK # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  # XXXX, XXXX XXXX AUTO 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have a mortgage with S.W.E. Homes and they handle my escrow account also. I have recently changed my insurance company. I have contacted S.W.E. Homes over a month back and ask them to use my escrow account and pay the initial down payment on the new policy. They have refused and have not given any reason as to why!!! 
S.W.E. Homes Contact : XXXX XXXX. 
XXXX XXXX. XXXX, XXXX XXXX XXXX, Texas XXXX XXXX Email : XXXXXXXXXXXX
Product: Credit card

Bought tickets to an event that was a scam. It was a safety hazard, started late, ticket line was 4-5 hrs long, and security line was another hour. The third party ticketing site said they will buyers guarantee but did not honor their policy since the event was not as described. I eventually got into the event at XXXX and the event ended at XXXX, but left early anyways due to overcrowding and security hazards.
Product: Checking or savings account

It's been years ago but Wells Fargo charged my account overdraft fees on several occassions when it wasn't warrented. And sent me a credit card I didn't apply for. I didn't use it but they still charged set up and monthly fees on it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal and urgent demand regarding the unauthorized, inaccurate, and illegally obtained information on my credit report related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

It has come to my attention that XXXX XXXX XXXX XXXX XXXX has paid for access to my personal information, which constitutes a gross and unacceptable violation of my privacy rights. This practice is not only illegal but also unethical. Without my consent or a legally binding agreement, any use of my personal data is a blatant breach of privacy and federal law. 

Who authorized this? Who are you to allow such blatant misconduct? I have no contractual relationship with XXXX XXXX XXXX XXXX XXXX, and they can not provide any legitimate documentation to prove otherwise. How can you verify something that has no legal basis? Your continued reporting of this inaccurate and illegally obtained information is reckless, harmful, and completely unjustifiable. 

I know you can care less about this because it isnt happening to you, but your inaction is actively obstructing my ability to purchase a home and jeopardizing my financial stability. Your actionsor lack thereofare not only negligent but dangerous. 

Let me be perfectly clear : You and XXXX XXXX XXXX XXXX XXXX are complicit in violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This will not be ignored. 

I demand the following actions be taken immediately : 1. Complete removal of all entries related to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report. 
2. A formal investigation into how my personal information was accessed, sold, and used without my consent. Provide written documentation of your findings. 
3. Written confirmation of compliance with these demands within 24 hours of receiving this notice. 

Failure to comply will leave me with no choice but to take further legal action. I will work with my attorney to pursue all available remedies, including but not limited to financial damages and penalties for your violations of federal law. I will also ensure this misconduct is exposed publicly. 

This is your final warning. You now have 24 hours to act and provide proof of resolution. 

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

n 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. 

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 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 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this account several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. 
XXXXXXXX XXXX XXXX  Balance : {$6700.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$250.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

I submitted a dispute On XXXX XXXX, 2016 for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court that Transunion credit report has on file. Well the Court " XXXX County Register of Deeds '' has finally responded to my letter and its 100 % clear they did not Verify anything with Transunion. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the credit report Public record section Where I ( Circled ) the Address and Docket number, also attached is the notarized letter I wrote to the XXXX County Register of Deeds and also attached is the response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies. Which means these accounts were never VERIFIED.
Product: Credit card or prepaid card

The only XXXX negative reports on my credit are from XXXX XXXX XXXX XXXX and USAA both were credit cards and were over limits. The years the card was supposedly in my possession XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the past year, I have written multiple letters to XXXX XXXX XXXX XXXX and Transunion Credit Bureaus explaining to them that my name, address and employment is incorrect. I have sent XXXX and Transunion my Driver 's license to validate my ID, Utility Bill to validate my address, FTC Report to show that I've been a victim of Identity theft and a dispute letter to explain and show the accounts that are fraudulent. In accordance with the XXXX XXXX XXXX Acts, XXXX have not been in compliance with the FCRA laws. The equal credit opportunity act prevents creditors from discriminating against individuals. I strongly believe that XXXX and Transunion have discriminated against me. My name, address and employment has been reporting incorrectly in their system and they have yet to correct it. As a victim of Identity theft, I shall not be penalized for actions that I have not caused. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. XXXX and Transunion should be penalized for not following FCRA laws. Also, including that my personal information was impacted by XXXX XXXX XXXX back in XXXX. XXXX and Transunion have failed me as a consumer.
Product: Checking or savings account

Prosperity Bank I was locked out of my account today due to a password issue. 2.5 hours later I am STILL locked out. During this time I have : Called - Customer Service # XXXX. All agents are busy - 10 minute wait. I had to hang up to manage my work calls.

I called back and after 12+ minute wait XXXX XXXX picked up my call and said I needed to send an email request to him and he would forward to the correct person to assist. Her name is XXXX XXXX XXXX. 2 hours later no response. I emailed them both back, no response. I called the 800 number again, on hold 8 minutes.

I called my local bank, they transferred me back into the customer service que. I called my bank back and again was transferred to the customer service que.

I am now 2.5 hours locked out of my account with no help in sight. This  is not the first time that I have not been able to reach anyone to help me. This type of service is totally unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave back a Lexus to Lexus ( Toyota Motor Corp ) in XX/XX/XXXX. Lexus closed the account formally in XX/XX/XXXX and told me they were writing the car off, and said I didn't owe them anything. They said the debt that was written off may be sold to a third party but I had no obligation to them. No one ever contacted me regarding this. 

In XX/XX/XXXX, I was buying a home and disputed the presence of this closed debt with Toyota Motor Corporation with approx. $ XXXX balance. Lexus apparently REOPENED the account at that time and turned it active! XXXX dropped my credit score 123 points and started reporting late payments for an account that had been closed almost 6 years.

I called Lexus, and they apologized for their mistake and immediately closed the account. XXXX and XXXX immediately restored my credit score. However, XXXX continues to this day to report missed payments on this CLOSED account. I never once missed a payment on this vehicle. I negotiated with Lexus to give the car back for sale in XXXX. 

I need Lexus to restore the original official account closing date ( XX/XX/XXXX ) and remove any reports of missed payments on this account. Also, I need XXXX to restore my credit score of XXXX.
Product: Credit card or prepaid card

On XX/XX/21 I started receiving notices from other merchants that my card was declining prescheduled monthly charges. Upon inquiry with XXXX Bank on XX/XX/21 I was told that the card was frozen because of non-payment on the balance. The next due payment date was XX/XX/21. I have an excellent credit rating, have had typical balances of {$3200.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring to your attention a matter of utmost urgency regarding the compromised state of my credit with your institution. It has come to my notice that there have been recurring issues in preventing the unauthorized inclusion of items in my credit file, even when accompanied by an FTC fraud report. This marks the ninth attempt on my part to dispute items in my credit file resulting from an alleged identity theft. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), it is imperative that you promptly adhere to the mandated timeframe for the removal of any items in my file linked to alleged identity theft. The stipulated duration for such action is not later than four business days following the date of receipt, contingent upon the provision of ( 1 ) appropriate proof of the identity of the consumer and ( 2 ) a copy of an identity theft report. Im sending over an Identity Theft Report # XXXX. For your reference, I have provided the following details : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX  - XXXX XXXXXX/XX/XXXX **EQUIFAX** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} Original Creditor : XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX, to dispute that Capital One, is being reported incorrectly, but on XX/XX/XXXX, XXXX, refused to correct the error, and updated my report with information that the alleged balance is correct. The error is in regard to a XXXX ( {$110.00} ) filing fee from a fruitless lawsuit Capital One, filed against XXXX XXXX, on XX/XX/XXXX, in XXXX County Municipal Court, which was later dismissed at Capital One 's request by the Court, on XX/XX/XXXX. XXXX XXXX, has tried to correct the error with Capital One 's Attorney, and Capital One, who responded that it believes there is no error, on XX/XX/XXXX, with no later response. Please find the attached Notice to Dismiss from Capital One, and report from XXXX  ( uploaded as " untitled '' ), as well communications with Capital One, in regard to this error. There should be no doubt that this error is being overlooked, Capital One is providing false information, and XXXX, has material evidence.
Product: Credit card

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT XXXX am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.KS ON THESE ACCOUNTS.
Product: Debt collection

On XX/XX/2023 I closed the account with XXXX XXXX XXXX because I got another company with cheap cell phones. I paid at the end everything. Then on XXXX I received a letter supposedly from XXXX XXXX XXXX and when I called there are a man with XXXX XXXX ask me to paid immediately the bill, and when I asked him why because I didn't owe any to the company he hung off of me. Then I continue receiving phone calls from them. But was the same person. On XX/XX/2023 I called XXXX XXXX XXXX because I received another letter, the company told me my account was closed on XX/XX/2023. XXXX balance I asked the person if the can send a confirmation email and the supervisor send it to me then ; they continue with the phone calls and when I send I don't have any balance to pay they almost force to me to get the payment, after one year now I received a letter from I.C. System Inc Debit collector agency charge me an amount for XXXX XXXX XXXX, when I called them I spend hours to try to reach them and they are not answer. 
I didn't own the amount they said I have emails and confirmations from the XXXX XXXX XXXX company I didn't have any balance when I closed the account.

Please help to stop this fraudulent issue. Thank you
Product: Vehicle loan or lease

XXXX Reply XX/XX/2018 Confirmation # XXXX Exeter stated that the XXXX XXXX is XXXX XXXX XXXX in which XXXX XXXX XXXX on XX/XX/2018. Exeter Finance repurchased the account in XX/XX/XXXX and XXXX XXXX confirms that they notified the bureaus to delete there trade line. Exeter has different information on all 3 credit bureaus different amounts and stating that they sold the account to XXXX XXXX XXXX. wrong payment amounts showing {$73.00} as they reported to Equifax on XX/XX/2018 report. On XX/XX/2018 Exeter responded back to the Consumer Financial Protection Bureau on XX/XX/18 ( Case # XXXX ) that they in error made a mistake and repurchased the account back from XXXX XXXX systems as stated by the letter mail to me from XXXX XXXX XXXX   on XX/XX/2018 that Exeter repurchased the account. as stating on the credit bureaus Exeter states they sold the account to XXXX XXXX XXXX in which is in error by the letter I have uploaded as proof. 

Exeter has not cleared up the correct information on my credit reports and still after months has it as XXXX XXXX systems as XXXX XXXX. I have also filed with the US attorney office consumer complaints in Texas, PA, Nevada on Exeter Finance to the issues at hand and there reply back to the Consumer Financial Protection Bureau reply to the case XXXX there has been nothing but the run around with XXXX XXXX XXXX about there error they admitted to. All the transfer/sold is in error being they bought the account back so there should not show on none of my credit reports as Transfer/sold due to Exeter bought the account back from XXXX XXXX XXXX
Product: Credit card or prepaid card

Citi Bank is in violation of the credit card act of 2009. 

While checking my recent statements within the last 2 months I noticed I've been having a higher interest rat set at 29.99 % APR and another line item for 15.24 % The interest rate was the same in XXXX and XXXX statements. In XXXX I applied for COVID-19 waiver and continued to make payments on time. In XXXX it showed a separate line item of 29.99 % APR. I received no notice of the increase. When I contacted Citi, they advised me that this was due to a returned payment that triggered a penalty APR of 29.99 %. I have paid off the full balance in XXXX but still have a 29.99 % APR and I have never missed a payment. This is a predatory tactic that banks are using to take advantage of people that were affected by the financial impact from COVID-19 especially among Veterans that have served this country.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Against Experian for Failing to Correct Inaccurate Late Payment Information on Credit Report Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction, this issue remains unresolved. Below is a summary of the errors and discrepancies associated with my account : Summary of Errors and Discrepancies : Inaccurate Late Payment : XXXX and Experian are reporting a 30-day late payment in XX/XX/year>. This information is incorrect as all payments were made on time, supported by the attached evidence, including bank statements and account transaction records. 
Inconsistent Reporting Across Bureaus : While XXXX corrected the late payment after my second dispute on XX/XX/year>, XXXX and Experian continue to report the error. 
Failure to Verify and Update : The credit bureaus failed to adhere to their responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information. This includes not properly investigating or correcting the dispute. 
Background : I initially disputed the inaccurate late payment on XX/XX/year> and submitted a follow-up dispute on XX/XX/year>. While XXXX promptly resolved the issue by removing the incorrect late payment, XXXX and Experian have neglected to make the same correction, causing undue harm to my creditworthiness. 
Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of an inaccurate late payment violates this requirement. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The erroneous late payment reporting has caused financial harm and reputational damage.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, which has not been upheld in this case.

Desired Resolution : Immediate removal of the inaccurate late payment notation from XXXX and Experian. 
Written confirmation of the correction from Experian. 
Assurance that my credit report is updated to accurately reflect my payment history across all bureaus. 
Failure to resolve this issue promptly will leave me no choice but to escalate my complaint further, including legal action and filing additional complaints with relevant agencies. Please address this matter urgently to prevent further harm to my credit profile. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Text XXXX From Fifth Third Bank : We have placed temporal hold on your account. Proper verification needed below. XXXX XXXX XXXX