23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX a consumer and natural living person submitting this complaint and there is no third party involved. I am being violated by Experian Information Solutions Inc. Experian Information Solutions Inc is furnishing my non-public private information on my consumer report without my written consent which is a violation of my rights as a consumer. On XX/XX/2022 I called Experian Information Solutions Inc to put them on notice of the fraud they are committing by furnishing my non-public private information because I did not give them written instructions to do so. XXXX the customer service specialist of Experian Information Solutions Inc Specialist Department that I spoke with via phone said that the credit bureaus DO NOT need my written instructions or written permission to furnish my non public private information on my consumer report.
Product: Credit card

We received a charge for a returned payment of XXXX on XX/XX/XXXX. This was from a check dated XX/XX/XXXX. Our account has already been charged XXXX for that check on XX/XX/XXXX. We should not be receiving that charge again on XX/XX/XXXX. I tried calling and speaking with representatives all them said they checked into it and have no information other than the check was returned and to check with the bank. We did this back in XXXX which is why we were already charged for the returned check then. This is a duplicate charge and needs to be credited for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and Transunion credit bureaus have already updated their records for this account. Please delete this account as well XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX XXXX I received a notice from a collection agency that Citi Bank sent us to the collection agency. I called Citi Bank because I made a payment every month. Well In XXXX of this year we switched internet providers. Citi Bank was sending e statements ( which I never signed up for ) so because of the switch I was n't receiving statements anymore. The minimum payment was around {$120.00} and I always sent {$130.00} to $ XXXX monthly. We have not used this card except for XXXX which was about {$10.00} a month. So my payment should have went down with the payment I was making. Well when I talked to them after receiving the collection agency notice they told me it is not there responsibility to send out a statement. I said the email they were sending it to was no longer a valid email and he said it does n't matter. I also asked why no one called. You would think if you have a good customer who makes payments on time every month that you would at least make a phone call. Again they said it is not there responsibility. Again I take some responsibility but I never used the card since like XXXX and I know with the payments I was making that I still had a year or so till it would have been paid off. They were not helpful at all. I have flawless credit and now my credit report is showing that I have not made any payment since XXXX of XXXX. As you can see I made the payment every month. I also asked for all the statements for XXXX. When I received them they have been charging me for Payment Safeguard which again I never signed up for. How can they charge people for services that they never signed up for. So now that my minimum due is more than I was sending every month they charged me a late fee from XXXX XXXX to XXXX XXXX. When I called the collection agency they told me that my payment due is now almost {$900.00}. They also told me that Citi Bank reduced our credit line so now they are charging me for an over the credit line fee. I again never received a notice that they are lowering this. The only mailing I received in XXXX was the notice from the collection agency. I have attached the statements from Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

have checked my credit report and noticed inaccurate information from your company. 

I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. 

As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.
Product: Credit reporting or other personal consumer reports

I opted to close escrowXXXX XXXX XXXX approved. I made timely payment on XXXX without escrow. XXXX paid out the overpayment in escrow and placed my payment in suspense causing late payment. I called they reviewed and waived late charge and applied timely payment but failed to update their record which is showing up on transunion credit report as late. XXXX XXXX is non responsive and hasnt corrected with the credit agency which is causing me a negative report, impact to get credit, and harm. I disputed with transunion but they reflect what XXXX XXXX shows in payment history. This is also a joint account impacting my wife XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the information that was reported to XXXX by your institution, U.S. BANK CORPORATION. I have recently become aware that my personal information has been disclosed to XXXX without my consent, which is a clear violation of my privacy rights as a consumer, as outlined in XXXX XXXX XXXX ( a ). 

According to the XXXX XXXX ( XXXX ), financial institutions like yours have a legal obligation to protect their customers ' nonpublic personal information and maintain its confidentiality. This includes ensuring that sensitive information is not shared with third-party agencies such as XXXX without the explicit consent of the customer involved. 

I specifically dispute the following unauthorized information reported to XXXX : Release of Personal Information : I did not provide any consent, either written or verbal, for U.S. BANK CORPORATION to release my personal information to XXXX. It has come to my attention that my nonpublic personal information was shared without my knowledge or authorization, which is in direct violation of the protections afforded to me under 15 USC 6801 ( a ). 

I demand that you promptly investigate this matter and provide me with a comprehensive explanation of how and why my nonpublic personal information was disclosed to XXXX without my consent. As per the Fair Credit Reporting Act ( FCRA ), I also request that you provide me with a copy of any information you shared with XXXX related to my identity and accounts. 

If it is found that my information was, indeed, released without proper consent, I demand that you take immediate action to rectify the situation. This includes removing the inaccurate information from XXXX ' records and notifying them of the correction. Additionally, I expect a written confirmation from your institution that these corrective actions have been taken. 

Please be aware that the unauthorized disclosure of my personal information is not only a breach of trust but also a serious violation of federal law. Under 15 USC 6801, financial institutions like yours have a duty to safeguard customer information and to respect the privacy rights of consumers.

Failure to address this matter promptly and responsibly may compel me to take legal action such as and not only reporting CEO 's and CFO 's to the FTC to protect my rights under 15 USC 6801 and seek remedies for any damages caused by the unauthorized release of my information.

I request that all communication regarding this dispute be in writing to ensure a clear record of our correspondence. Please send all responses to the address provided at the top of this letter.

Thank you for your immediate attention to this matter. I expect a timely resolution and look forward to receiving your written response within 30 days of the date of this letter.
Product: Credit reporting or other personal consumer reports

I wanted to continuously dispute these incorrect and misleading accounts that the credit bureaus has reported on my credit report. I kept sending them letters since XXXX of this year and I haven't even got one letter of correspondence from their side. I want them to immediately delete these invalid accounts below, because I don't even know why they exists on my credit report. 

XXXXXX/XX/XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX.XX/XX/XXXXXXXX. Account # : XXXX XXXX. XXXX ..Account # : XXXX XXXX. XXXX XX/XX/XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up on complaint number XXXX - XXXX Submitted on XXXX XXXX. Documents submitted.
Product: Debt collection

I mailed the Equifax requests to validate the debt on XX/XX/XXXX on XX/XX/XXXX, I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days the Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.
Product: Debt collection

Received Important second notice about a fictitious {$16000.00} debt offering to reduce it to only {$8000.00}. Company is Debt Relief Center. Notice date XX/XX/18. Client Negotiations department XXXX XXXX. Its a threatening letter designed to intimidate and a scam to Separate me from my money.
Product: Mortgage

I have received a letter from my original homeowner insurance provider saying that my lender did not pay for the insurance renewal. The insurance is now expired. I have requested Newrez to pay and provide statement for me to submit to the insurance provider but have not received anything from them.
Product: Vehicle loan or lease

To whom it may concern I consumer XXXX XXXX did a consumer credit transaction with Mercedes-Benz Financial Service USA LLC on XX/XX/2021 a finance charge is a sum of all charges I had to purchase insurance and also make a total of 3 payments I would like to be compensated for access damages that have been done to me
Product: Debt collection

Re : XXXX XXXX  I received a letter trying to collect a debt way past the statute of limitations in both New York State and Federal law. 

1. Their letter, attached, has a default date of XX/XX/XXXX. 
2. The letter indicates a judgement has been entered in an unspecified court on XX/XX/XXXX. 
3. I think the original debt was a payday loan.

4. I was never served with legal papers of any kind or notified a judgement was entered in this ( unspecified ) court.

5. I sent them what follows by email : " You are in violation of both New York State and Federal law. The statue of limitations has long since expired and I have filed a complaint with the CFPB.

DO NOT CONTACT ME AGAIN. '' XXXX XXXX has consistently filed these reports on my credit reports from all 3 bureaus even though they are way past the original default date. Instead, they use the date they bought the debt.
Product: Money transfer, virtual currency, or money service

I opened a PayPal account to take advantage of a gas app that would pay me for getting gas. I decided not to use it, but somehow have {$10.00} in the account and am not able to close my account until I take the money. I requested a check be mailed, but they won't send to a po box . I updated my address to a physical address, but am still being asked for my bank account information prior to them mailing a check to my physical address and allowing me to close the account. This is unreasonable. 

Additionally, when I made an online purchase using my credit card, I got an email from PayPal ( attached with private info blacked out ) with information on my purchase including the vendor, the amount I paid, they type of credit card used and the last 4 digits of the credit card. This is VERY scary to me as it is a serious invasion of my privacy and they should NOT have information on purchases I make online that do NOT involve PayPal. IS YOUR AGENCY AWARE OF THIS PRACTICE?

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After investigation my credit score still dropped after years of having high score and working hard on my score, this affected FICO ultimately damaged mortgage rates
Product: Checking or savings account

On Saturday XX/XX/XXXX around XXXX I went to the ATM located at XXXX XXXX XXXX XXXX XXXX XXXX Texas to deposit money as soon I added my PIN number the ATM showed a message saying ATM unavailable didnt let me do anything else 10 minutes later I received a notification from the app I withdrew XXXX dollars I didnt withdrawals any money the ATM wasnt working I went to the bank on Monday XX/XX/XXXX the manager from branch did not help me she also said she cant do anything about it and cant show any videos I would like to know if they can investigate and check cameras and see who took the money at the location when the incident happened theres people outside waiting for the ATM including inside theirs cars..
Product: Credit reporting, credit repair services, or other personal consumer reports

American enterprises illegally reinserted the account # XXXX in my XXXX, XXXX  and XXXX  credit reports. This account have almost 7 years old. For that reason I sent a registered letter on XX/XX/2020 # XXXX ) requesting validation made pursuant to the Fair Debt Collection practices Act and Fair Credit Reporting Act .Not receiving any reply in 30days by American enterprises I decided to send a second registered letter in XX/XX/2020 # XXXX ), requesting again validation documents with a copy of any viable evidence bearing my signature, showing the account is being reported accurately .On XX/XX/2020 they sent a copy of statement that does not have any signature of mine after more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$1100.00}.
Product: Checking or savings account

My attorney XXXX XXXX XXXX issued me a check for an auto accident i was in. i deposited the check into my XXXX  XXXX XXXX account on XX/XX/XXXX my account was closed and now the funds are being held in the hold harmless dept. i was told that the check was flagged as stolen or altered. I am being told by my XXXX  XXXX XXXX that the check is under investigation and it can be expedited if the maker of the check filed a formal recall and submits supporting documentaion showing the funds are legit and they will release the funds back to the maker but until the check is being held " under investigation with no end date they have been holding these funds since XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my yearly free XXXX credit report on XX/XX/2023. I noticed the company Discover Financial Services was making a " soft inquiry '' on my account every month, for almost the past two years!! I have never applied for one of their credit cards. I do not have an account with them. I have no idea why they chose my account ( how many people are they doing this to? ) I called Discover Financial @ XXXX. I patiently had them connect me 4 times to 4 different people regarding my request to cease making unsolicited inquiries on my account. I also wanted to know why they are doing this. They said I needed to call XXXX. They would not assist me further. 

XXXX  @ XXXX stated I would need to put a " freeze '' on my total credit account only to be opened with legitimate inquiries later with a " PIN code. '' They could not help me with the request to have this company cease and desist with soft inquiries monthly. I am thinking XXXX receives funds from the company to allow them to do this, and this may be the motivation to continue this practice that feels like an invasion of privacy. Can you help??
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX listed a collection amount for XXXX. I never had a contract with or owed XXXX XXXX for XXXX. I asked for proof that I contracted with them or owed them, they never provided it but continue to report on on credit as if I owed them or contracted with them.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a collection account as open. I requested a reinvestigation from the credit agency and was sent an email 24hrs later that my results were ready. I also requested a Debt contract and have not received it. I requested debt contract and debt validation from the collection company and they sent a refinance application that doesnt have my signature and my name is spelled incorrectly. The application states under the Military Lending Act they do not give loans to military members and I am XXXX XXXX. XXXX has yet to delete hard inquiries off my credit that I did not authorize. These inquiries were all made on the same day and I didnt give permission. 

XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX  Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX  Inquiry date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/scrub> XXXX XXXX XXXX XXXX  Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response via email XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.