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 XXXX XXXXXXXX XXXX  XXXX XXXX, account # XXXX and XXXX, account # XXXX have violated my rights. 

15 US Code 1681 section 602 A states that I have a right to privacy.

15 US Code 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my report and noticed there are some addresses that don't belong to me, along with the phone numbers below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit card

In early XX/XX/2023 I was notified of suspicious activity on my acvount. When I confirmed that I did not initiate the attempted charges. I was informed the card would be closed and I would be issued a new card. I had already scheduled a payment for the old account number and was not informed that since the old card had been cancelled I needed to reschedule the payment. The payment that I originally scheduled for {$49.00} was never processed and I was charged a late fee and additional interest along with a penalty APR. I resubmitted the payment once I found out it wasn't processed. Although the late fees and interest were reversed, my upcoming payment was increased to an amount that I am unable to afford. I have contacted Citi several times and gotten the runaround and I am still unclear on how much my minimum payment is. I am also unclear as to what my APR is. I FEEL THIS IS GROSSLY UNFAIR SINCE I AM A VICTIM OF FRAUDULENT ACCOUNT ACTIVITY. I just need someone from Citi to straighten this out for me.
Product: Credit reporting

I have XXXX bankruptcy on my credit that was dismissed, They will not take this off my credit report. I dont know what else to do about this. I have written Equifax in reference to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for failing to protect my personal information. I was a victim of the XXXX data breach, which resulted in my identity being stolen. Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to adhere to strict protocols to prevent identity theft and promptly address its consequences when it occurs. Due to negligence, fraudulent accounts have been opened in my name, including but not limited to : XXXX ( Account number XXXX ) XXXX XXXX ( Account number XXXX ) XXXX XXXX ( Account number XXXX ) XXXX  ( Account number XXXX ) XXXX XXXX  ( Account XXXX ) These accounts were opened without my authorization, causing significant harm to my credit report and financial standing. I am invoking my rights under the FCRA, including Section 605B, which mandates that credit reporting agencies must block and delete information resulting from identity theft within four business days of receiving proof of identity theft and supporting documentation. I request the following actions be taken immediately : Block and delete these fraudulent accounts Cease and desist from reporting these accounts : Notify all third parties to whom this fraudulent information has been reported and confirm removal from my credit report. Confirm actions taken : Provide a written response confirming the removal of these fraudulent accounts within the timeframe outlined by the FCRA. As required under the FCRA, I am providing the following documents to support my identity theft claim : A copy of my government-issued photo ID A completed identity theft report from the FTC Please note that non-compliance with the FCRA has serious penalties, including damages, attorneys fees, and statutory fines of up to {$1000.00} per violation. I expect XXXX to fully comply with its legal obligations to resolve this issue promptly. If I do not receive confirmation that these accounts have been blocked and deleted within the statutory timeframe, I will escalate my complaint and pursue legal action as necessary. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I submit to a dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of this account in my credit file that resulted from an alleged identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX within 30 days. 
XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX : Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, For XXXX credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and Experian credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries are unauthorized! I never gave consent to any of these. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Quicken Loans ( NMLS # XXXX ) advertised ( advertises currently ) a program for a {$500.00} rebate for my company 's employees that close their loan with quickenloans. I visited the quickloans website via their special link and proceeded to shop loan programs. After some time reviewing, I clicked on the pop up to chat and was connected with XXXX XXXX XXXX : XXXX. I shopped loan programs and he asked if he could arrange a phone call. I informed him that I saw their special offer on the company intranet site and was interested in getting pre-approved to buy a house. I met all the criteria in the fine print, and eventually found and closed a house. I confirmed at several points both via email and phone that I would be getting the rebate. I emailed XXXX and he replied that he would look into it for me. A XXXX later I still had not heard back. It has been almost XXXX months since I closed on my house and I still do n't have my rebate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent certified letters to all 3 credit bureaus demanding they remove all collections from my credit report because XXXX XXXX XXXX along with their partner company XXXX XXXX  are NOT LEGALLY licensed to collect debt in the state of Alabama and when requested could not provide proof of purchase nor the purchase agreement as well as not being able to provide the terms of the purchase agreement.
Product: Bank account or service

I closed an account with Chase Bank several months ago. I left Chase Bank owing them approximately {$430.00} because I am unemployed and had some undiverted bills go through which overdrafted my account. I am a full time student and have been living on my student loans for about a year. I have been waiting on a student loan refund since Friday, XXXX XXXX. The refund was paid in the form of a wire transfer from XXXX ( student loan processor ) and it should have gone to my new checking account with a different bank. Unfortunately, the loan went to the old Chase account. Chase Bank informed me this morning that they deducted what I owed them from the wire transfer and sent the balance to me via U. S. mail but it was sent to my old address. Now I have to file an affidavit with Chase to put a stop payment on that check which will take 30 days. Then they can reissue another check. I first want to know did Chase Bank violate any federal rules concerning the ACH transfer by not returning it to its original sender? Also, did they violate my rights by deducting the debt from my student loan without my permission?
Product: Debt collection

I have mailed & faxed 2 separate requests ; one for validation/verification and one for a demand for proof to substantiate the claim made by Southern Credit Recovery . I am in receipt of Southern Credit Recovery 's letter informing me that they are handling the " collection '' of the account # XXXX for {$1500.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Southern Credit Recovery & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Southern Credit Recovery 's claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Southern Credit Recovery continues to report this fraudulent ( on Southern Credit Recovery 's behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in XXXX XXXX XXXX 's letter, this is a " medical account ''. Therefore, this is a violation of my XXXX.
Product: Debt collection

I had a debit that was included in my chapter XXXX BK, almost two years letter this item showed on my credit reports under collection status for Midwest Recovery Systems. This dropped my credit score XXXX points. I called them and they said their client had n't informed them that it was included in BK, but the damage had already been done. It took them 30 days to remove this incorrectly put item on my credit reports. Its still showing up on my XXXX. I thought this was against the law for them to do that since I am protected by BK laws. They should be fined for this. I should sue.
Product: Mortgage

Hello, on XXXX I submitted a complaint to Gregory Funding and copied multiple agencies that may assist with the complaint, which is how I got Consumer Financial Protection Bureau ( CFPB ) information from FDIC 's Office of Ombudsman. 

Gregory Funding purchased my mortgage from XXXX in XX/XX/2020. I made the XX/XX/2020 payment to XXXX in XX/XX/2020, then XXXX forwarded the payment to Gregory Funding. To date the XXXX payment is not applied by Gregory Funding because they claim XXXX did not send the payment. Proof of XXXX mortgage payment by me to XXXX  and proof of XXXX mortgage payment wire transfer from XXXX to Gregory Funding was provided to Gregory Funding on XXXX to, but to date the XXXX mortgage payment is not applied. 

In short, two companies are in dispute of money sent and money received, but for me as the consumer, I am out an entire mortgage payment, accumulating monthly late fees, reflecting my credit report, and Gregory Funding is withholding an escrow surplus check because my account is not current, which is incorrect. 

I have made multiple attempts to resolve this matter with Gregory Funding and this process has become labor intensive with no resolution yet. Please see attachments which are the XXXX complaint sent to Gregory Funding with detailed information about this complaint. In this attachment to CFPB I am including everything that was sent to both Gregory Funding and XXXX, specifically proof of XXXX payment on loan history statement. 

Thank you in advance for your assistance with this matter. 

Sincerely, Consumer
Product: Debt collection

Nearly 6 years ago I moved to anouther state .Informed XXXX XXXX. turned in equipment, paid last invoice. 4-5 months later a collection agency contacted me via mail and 20 phone call of a {$260.00} debt for early termination of service. I contacted XXXX and after many calls and explanations of reason I could not re open service at new home. they sent me a letter. stating we were good and would be removed from credit report and let collection company be aware. This happened. 
Until yesterday when I received notice from my XXXX monitoring .That a new collection company had reported the debt. 4 yeARS LATER. I contacted thee collection company and explained. first thing they were very rude and would not help me if idid not give them my full SS # and hung up on me 4 times when I said no, and we will have to look me up from name and address. after the 5th phone call I finally got a person to look up that way. Collection company is XXXX XXXX Ref # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed dispute letters to XXXX, Equifax, and XXXX  regarding the correction of several inaccuracies on the following accounts : XXXX XXXX - xxxx ... XXXX XXXX XXXX  - xxxx ... XXXX XXXX XXXX XXXX  XXXX XXXX - xxx ... xxx XXXX  XXXX  - xxx ... xxx XXXX/XXXX  - xxx ... xxx XXXX XXXX XXXX - xxx ... XXXX In accordance to 15 U.S. Code 1692g , XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX xxx XXXX  XXXX  - xxx ... xxx XXXX/XXXX  - xxx ... xxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX  ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Product: Credit reporting or other personal consumer reports

Trans Union had a data breach and my information was compromised and now my information has been used for inquiries, loans and credit cards. My information is incorrect and was updated by Transunion after I called to report it and dispute collection, inquiries and loans. My information was also used to file taxes that is causing me to owe IRS almost XXXX dollars. I now receive unknown phone calls from agents, phishing scammers, collection agencies and fake government entities
Product: Debt collection

Before XX/XX/XXXX, I had accounts with USAA, a credit card, and auto insurance. Around XX/XX/XXXX, They were informed, along with other companies who were a party of interest, of the intent to file for XXXX  XXXX Bankruptcy. My attorney notified whom I assume followed the law and informed all outstanding creditors. Bankruptcy was discharged on or about XX/XX/XXXX. Between XXXX and XXXX, I contacted USAA to inquire about a product or service and was informed that they would not move forward due to an outstanding debt that was owed. Upon their request, I informed them of the bankruptcy again and faxed them another copy of the discharged bankruptcy that the court ordered. I chose not to call them back and went in a different direction. I believed the issue was resolved, so I contacted USAA again around XX/XX/XXXX to inquire about renters insurance, as I could not get a quote from their website. When I spoke with a representative, they informed me of the outstanding debt and asked me to send them a copy of the bankruptcy. This being the third time they had been notified of the discharge, I chose to upload it through their portal and received a confirmation that they received it. I contacted USAA again around two weeks later. I spoke with their bankruptcy department, which informed me that I had no outstanding balances with them and that there should not be an issue with getting a quote for renters insurance. Upon being transferred to the insurance department, I was again informed of the outstanding debt. They once again asked me to send in the documentation. I spent no less than XXXX  hours attempting to get USAA to resolve the issue. I informed them that if the problems were not taken care of, I would make a report to CFPB. They informed me not-so-clearly that they did not care and could do nothing unless I sent in the bankruptcy discharge, which USAA has received no less than XXXXXXXX times. They continue to hold a debt they know is invalid and have not sold it for this reason, either.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that 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 that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account listed in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

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 TransUnion ) this action might 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 that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
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 XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX : Account number : XXXX, Dept Of ED/XXXX XXXXXXXX : Account Number : XXXX, XXXX XXXX XXXX Account number : XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681c . ( a ) ( 5 ) Section States : no consumer reporting agency may make any cinsumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 resonable cause to believe that the information is inaccurate
Product: Credit card

Traveled to XXXX XXXX for vacation. Paid with my visa credit card for a drink. Was told it was {$25.00}. The charge ended up over {$660.00} dollars. Filed a dispute with chase and chase rebilled it to my account 3 months later.
Product: Checking or savings account

TD BANK CONTINUALLY APPLIES AND HOLDS FUNDS IN A WAY AS TO MAXIMIZE THEIR BANKING FEES. THEY PUT A HOLD ON MONEY AFTER THEY INDICATE IT ISNT BEING HELD THEN IF YOU USE THE FUNDS THINKING THEY ARENT BEING HELD THEY CHARGE YOU OVER DRAFT FEES. THEY WITHDRAW THE MONEY FOR A CHECK PRESENTED THEN DECIDE THERE ARE NOT ENOUGH FUNDS TO COVER THE CHECK SO THEY RETURN IT BUT DO NOT CREDIT THE FUNDS TO THE ACCOUNT UNTIL THE NEXT DAY. THIS AGAIN CAUSES THE ACCOUNT TO BE OVERDRAWN WHEN IN FACT IT WASNT BECAUSE THEY RETURNED THE CHECK
Product: Credit reporting or other personal consumer reports

Dear Check Systems Incorporated Attn To Consumer Relations.I was recently informed of negative information reported by XXXXXXXX XXXX included in the file Early Warning maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank XXXX XXXX unaware of ever having a [ item ) from this XXXXXXXX XXXX XXXXPlease validate this information with XXXX XXXX and provide me with copies of any documentation associated with this " [ item '' ' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) .I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC , CFPB and the state of Minnesota Attorney Generals office, should you continue in your non-compliance. I further remind you that. as in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company : I will be seeking {$5000.00} in damages for the following L. ) Defamation 2. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX