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

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 has violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed not to 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 card

I was charged {$52.00} on XXXX, XXXX and XXXX for a total amount of {$150.00} The charges were placed on my XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX. 
The charges were placed on my XXXX XXXX XXXX XXXX XXXX account from a XXXX  in Texas. 
I contacted Chase about these charges fraudulent to my account and they were removed. 
Only to be re-billed at a later date.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. It appears fraudulent in nature. I am requestion that you send any copies of any documents that you used to verified that this account belongs to me. If you can not provide such documentation, I ask that you stop reporting this account as it is causing me undue mental and financial duress. 

I demand a copy of any records that you have about this account that bear my name. Also, I would like the copy of any document bearing my wet ink signature, that may have been use to authorize any transaction under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment for a copy of my identity theft report for the inquires that I did not initiate nor give permission to anyone at the following companies.
Product: Credit reporting or other personal consumer reports

I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Transunion that these are from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card with Barclays that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near -76 points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at Barclays for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to Barclays reporting this delinquent balance. I had a credit score of near 790 before this and I have never missed a payment in my life. After multiple attempts at contacting Barclays to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. Barclays told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted Barclays to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called Barclays and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate Barclays to remove my delinquent inquires immediately due to them not notifying me in advance. Thank you.
Product: Mortgage

I called to get weekly updates on {$18000.00} assistance payment from XXXX on XX/XX/XXXX and was told they didnt receive it. This continued until XXXX when funds were finally applied to account. I spoke to numerous supervisors, sent emails with detailed information of payment as well as requested escalation of the situation. I was told a supervisor would return my call and spoke to one after several months, XX/XX/XXXX. AmeriSaves mortgage servicer harassed me after calling them when the payment was less than 15 days late with daily mailings and sticking a notice on my gate for anyone to walk pass and grab until I mentioned notifying your agency if they persisted. I kept constant contact with them and gave updates on bringing account current. I disputed accuracy of payment information and they have finally reported the account current. My next payment isnt due until XX/XX/XXXX but they havent removed incorrect late payments which is causing great harm to my score. They even reported receiving last payment XX/XX/XXXX but showing late for XXXX, XXXX and XXXX. Please assist in this matter!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX A XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XX/XX/XXXX {$56000.00} late payment : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquiries in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per : 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account 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
Product: Vehicle loan or lease

Greetings, I Am A Victim of Predatory Lending Practice Involving American Credit Acceptance. I purchased this XXXX XXXX XXXX In XX/XX/XXXX for about XXXX I Was Not Aware that the vehicle was an Interest Bearing Loan. AS of today. I STILL Owe about XXXX which is way more than what I Paid for the Car. 

I was rushed through the closing process by the finance guy who was closing the deal. 
I was trying to read the documents. He rushed me through, he insisted that it could take all day if I tried to read all of the pages in the packet. At that time my Concern was the High Interest Rate. He reconfirmed the rate and advised that I could pay more to pay the loan off quicker. ( Thank XXXX  I Inquired Months Later and RE-Confirmed the Paper Work Prior to Paying More. At That Point I Never Bothered About Paying More ) I Inquired about my balance and dissatisfactions several times about 16 months after the purchase in an Effort to pay the loan off sooner. 

I Also, Inquired and Expressed My Frustrations and Concerns On Another and Several Occasion. On Another Occasion I Experienced A Hardship and Asked for A Deferment Due COVID and Another Natural Disaster. They Escalated me to another department. 

I Informed Her Of My Concerns and the Hardship that I was having. She was No Help In Resolving My Concern As It Related to the Interest Bearing Loan. She Advised the Only Way I Could Get Assistance for a Deferment was if I Completed the Documents that she emailed to me which Included and Amendment Document to my Complaint Since I Brought My Concern to their Attention. 

( I Would Like for That Recording to be Pulled and Reviewed which was the Same Day As the Conversation of me Expressing My Concerns and of the Deferment ) American Credit Acceptance Literally BULLIED ME! Into Signing the Deferment Document Along with ADDED Documents of my Complaint. SHAME ON THEM! 

In Good-Faith I Am Currently Paying This Loan In The Mist Of Me Being A Victim of UNFAIR HARSH LENDING PRACTICES. I Am A Woman of Character. I Believe In Paying My Bills On Time. 

Life Happens! When It Does Companies Should Not Be Allowed to Prey On People who are Dealing with Valid Hardships. 

Please Provide Me Guidance On Filing A Law Suit. Thanks. 

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

I appreciate the effort to remove certain items from my file due to alleged erroneous reporting ; however, additional items still require removal. This complaint seeks to eliminate the remaining unauthorized hard credit inquiries from my credit reports. Upon reviewing my credit report from your bureau, dated XX/XX/XXXX, it became apparent that the unauthorized inquiries had not been addressed. Below are the unauthorized inquiries identified : -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please proceed to remove the listed inquiries in compliance with the Fair Credit Reporting Act. Should there be any other unauthorized inquiries not specified here, kindly remove them promptly. According to Section 605B ( a ) of the Fair Credit Reporting Act, any information opened without my consent, knowledge, or authority must be removed within four business days, provided there is ( 1 ) proof of my identity, ( 2 ) a copy of an FTC report, ( 3 ) identification of such information by me, and ( 4 ) a statement from me denying any relation to the transaction. Attached is my new FTC report # XXXX.
Product: Debt collection

harassment excessive calls after i filed Chapter XXXX Bankruptcy. Excessive calls daily and over 50 in a month
Product: Checking or savings account

I received a check from my job and told them that someone deposited it and then they called me and told me they closed my account for fraudulent reasons when I did nothing wrong and I just got money because they told me I won a prize. The agent was super rude to me and called me a liar and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with Experian, XXXX, and XXXX with no change. I would appreciate if these late payments are deleted from my credit report.
Product: Mortgage

Re : Loan number : XXXX Loan Depot had purchased a lender-placed hazard insurance on my home at _____for exorbitant cost and now Im expected to pay a large sum for it. 
My home owner insurance expired on XX/XX/XXXX of XXXX. At the time I had to deal with some family emergency and I had to travel overseas. Therefore I did not get these notices. Loan Depot then proceeded to buy hazard insurance for my home for the cost of {$5900.00}. I found these notices in XX/XX/XXXX. When I contacted Loan Depot, I was told to submit proof of insurance before you would cancel the policy and I would owe Loan Depot {$2000.00} for the duration of the insurance roughly between XX/XX/XXXX and XX/XX/XXXX. 
This policy is predatory for these reasons : 1 ) It seems to me Loan Depot bought the most expensive policy there is. Theres no accountability on the part of Loan Depot because the money does not come out of Loan Depots account. Not paying would put my home at risk for a foreclosure. Therefore, this action, in effect is forcing my hand to pay an unreasonable sum of money to the benefit of Loan Depot and its associates, whoever this company is that sold this exorbitant policy. 
2 ) I have been a very good customer of Loan Depot. I have always paid my mortgage on time and except for this last incident has never caused any problem with my loan. Yet, Loan Depot did not even take this into consideration before springing into action in order to take advantage of this opportunity to gouge a customer. 
XXXX XXXX
Product: Debt collection

On XX/XX/2021 I, the consumer, received communication from M & T BANKXXXX XXXX XXXX XXXX with obscene and profane language threatening to to take my property to coerce payment of an alleged debt that I do not owe them. These individual actions are a direct violation of my consumer rights under Title 15 Chapter 41 subsection 15 USC 1692d. 

I sent debt validation letters to M & T BANKXXXX XXXX XXXX XXXX and XXXX XXXX XXXX by certified mail with green return receipts on XX/XX/2021. They were received and signed for on XX/XX/2021 and XX/XX/2021. 

I, the consumer, am disputing the validity of this alleged debt and pursuant to 15 USC 1692g, I am enforcing my right to refuse to pay this alleged debt pursuant to 15 USC 1692c ( C ). I am demanding an audit traiI pursuant to 12 USC 1831n and 12 USC 5562C ( 10 ). Please provide documentary material as defined by congress showing proof of this alleged debt ( The term documentary material Includes the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) name and address of the original creditor and verification ( The term " Verification '' means a formal declaration made in the presence of an authorized officer such as notary public under oath ) or a copy of the judgement of the alleged debt be mailed to me the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent LV funding debt validation for never having an account with them. They are still reporting inaccurate information on my reports. Seeking punitive damages for time it took to look into this matter seriously affecting my life.
Product: Checking or savings account

On Tuesday, XX/XX/year>, I called Ally Bank and asked for a temporary limit increase on my debit card above the day-to-day limit so that I could pay my federal and state taxes using the debit card with funds that were already in my checking account. I was advised that this request was received and would take 1-2 business days to be approved. On Friday, XX/XX/year>, I called back and asked to speak with a supervisor. I was connected with a supervisor who saw that my request was properly filed on XX/XX/XXXX, but had not been actioned and was surprised to find this. The supervisor indicated that there was a " back office team '' that she could connect with to attempt to have this immediately reviewed. After 40 minutes on hold, I was advised that she was able to speak with the back office team, but that they were not able to approve this over the phone. Another week later, now XX/XX/year>, and Ally has finally called to approve this limit increase, but it's too late - my taxes were due 3 days ago, and I was unable to use my debit card for that purpose.
Product: Debt collection

I have been communication with XXXX XXXX XXXX for the past few weeks requesting written proof that my debt has been paid off and they keep ignoring my requests. They keep telling me to call in three business days and when i call they still deny to provide me with proof and tell me to call back.
Product: Credit card

XX/XX/year> I did sign up for XXXX rewards card made a online purchase had no card issued I paid what I charged on the card which was XXXX for a vacuum and never got a physical card until XX/XX/year> and by that time there were all sorts of charges on a credit card I was never issued .. card was over limit was a XXXX card charges are double the credit limit amount I have disputed this several times name and account number has been changed several times .. card number doesnt match what I have which has never been off the paper it was already overlimit being used by someone who I later on found out hacked my XXXX account and my firewall in my phone and switch the SIM so all information on all my bank accounts and credit cards they got access too never used a physical card or made another purchase but the one XX/XX/year> .. and the account I paid the two payments over the phone with later on that day was hacked and drained in the amount of XXXX which that account is now closed due to fraud .. this whole account is clearly fraud they have closed 5 accounts due to fraud and identity theft and sent letters informing me of it but they are not doing anything about any of this and I have emailed this information Im sending you through email several times they use the excuse it didnt get there when I have never got a returned email back.. I want this account gone out of my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company XXXX XXXX XXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.
Product: Consumer Loan

I purchased a car financed through ally bank for my daughter loan # XXXX te the car was totaled in an accident in XX/XX/XXXX. the car was insured through XXXX and the loan had gap insurance through XXXX. XXXX paid Ally bank {$12000.00} the book value of the car, Ally than made a claim to the gap insurer of {$4400.00} The full amount was paid by XXXX. I called Ally spoke to someone in customer service to confirm they received both payments and was advised yes and told " do n't worry XXXX the loan is PIF " I never received any additional monthly statements after that until 4 months later in XX/XX/2014 I received a letter from Ally claiming I was in default of my loan and that {$290.00} was 120 days past due. When I called Ally Bank to find out what this was about they told me that the GAP insurance did not cover the late charges when I asked what months and amounts were the late charges for after holding for 19 minutes the girl said there are NO late charges on the loan and see transferred me to the asset recovery unit after explaining the entire story all over he said I do n't have anything to do with your car it is not out for Repo ( NO KIDDING ) I called back and asked to speak with a manger and told that woman the entire story all over again and she said " well the gap insurance did not pay what they were supposed to " they never do '' I called the gap insurer and confirmed they paid the exact amount demanded from Ally Bankd {$4400.00}. I called back Ally told the same story one more time and was advised this amount was interest due on the loan I asked how that could be and interest for what months and the girl told me it was for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/2014, when I asked how could that be when the loan was PIF in XX/XX/2014 she said you need to speak with a manger and all she could do is take my information and a manger would call back in 24 hours I 'm still waiting. I have contacted Ally Bank and the collection agency they hired server times but as I said I 'm still waiting for a call back. clearly they put the insurance funds in some type of suspense account rather than apply them to the loan which caused additional interest to accrue until they reconciled the account. This is being reported on my credit as a charge off which caused me real harm this month when I went to purchase a new car and caused me to have to pay a subprime rate.
Product: Credit reporting or other personal consumer reports

Dispute inaccurate 3rd round portfolio recovery association ( original creditor : XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX Incorrect information was never updated on my XXXX credit report in direct violation of FCRA rules and my rights as a consumer. 

As of today XXXX keeps validating charge off as XXXX being paid monthly and this is incorrect. Several calls to request 1099c for the charged off amount have gone unanswered, on XX/XX/24 I called to request settle despite repeated violations to my fcra rights.