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  AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

The ending of XX/XX/2021 a XXXX excercise bike was order thru Fortiva Retail Credit amount was {$2000.00} and the bike was {$1400.00} I had for almost 2 weeks but I decided I wanted to return the bike due to not being fit for me so I contacted the merchant Fortiva Retail Credit and also XXXX and made return request to have them pick the item. they received the item on XX/XX/2021 which was credit back {$100.00} and {$1300.00} just before that a payment was due on XX/XX/XXXX which I made a payment of {$82.00} before the due date and I still return the item back to them. Now after they received everything back and I don't have nothing of theirs they sent me a statement stating I owe them {$45.00} for what?? I don't know, I am not late on anything I contacted them 2 times already and nothing is being resolved but the representative arguing with me about the balance owing. I asked them to explain what I owe them for she tried to say that before the purchase and I explain I gave everything back and on the statement it stating late fee which I didnt have a late payment at all but they trying to charge me {$45.00} for what they can not explain I asked for a supervisor or manager and gave me a dispute number XXXX XXXX
Product: Mortgage

As of today, I have wanting to know the status. I called Bank of America. They are telling me they have to generate a decline letter on m y last MOD. I sent in all the RMA and new stu bs as requested. They are saying they do n't have them. I am working with them sending everything in. I feel that they dropped it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
There is an account with the wrong amount being reported I see an account that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I'VE NOTICED SINCE MARCH I HAVE AN UNAUTHORIZED ACCOUNT ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS MESSED WITH MY CREDIT. I HAVE BEEN WORKING ON THIS SINCE MARCH ASKING THE COMPANY TO VERIFY THIS INFORMATION IS WHY THEY NEVER SEND EVIDENCE JUST A WRITTEN STATEMENT SAYING " THE ACCOUNT HAS BEEN VERIFIED. '' THEY DON'T HAVE THE CORRECT ADDRESS OR EVEN A PROOF OF VERIFICATION TO SUPPORT THAT THE ACCOUNT IS MINE
Product: Debt collection

I already paid this debt and I no longer owe them anything. This collection is not accurate. I demand it to be removed immediately from my credit profile.
Product: Credit reporting or other personal consumer reports

The economy is bad but so is my credit report and scores which are much way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit card or prepaid card

I paid off my XXXX XXXX XXXX account back in XXXX 2016. For some reason XXXX has left a {$9.00} balance and I have disputed the balance over and over. Also, when I call to have them remove the {$9.00} balance they say my account is with XXXX XXXX. XXXX XXXX has no account for my XXXX balance. I would like this removed off my credit score ASAP as I do not owe any balance on this card.
Product: Debt collection

I have no recollection of this collection.AD astra recovery. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach. As a result, I request that all accounts associated with my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ). 



Bank XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Bank Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about XXXX, Transunion, and XXXX 's multiple violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Privacy Act of 1974, and related statutes. 

The core of my complaint is rooted in the failure of XXXX, Transunion, and XXXX to comply with the FCRA 's mandate for accuracy, fairness, and privacy in handling my consumer report and personal information, as outlined below : Violation of FCRA 1681a, 1681b, and 1681c : The agencies included adverse information in my consumer report and has furnished my consumer report without my written consent, contrary to the requirement for explicit consumer permission for such disclosures.

Infringement of Privacy Act of 1974 and FCRA 1681s-2 ( a ) ( 1 ) ( A ) : The agencies reported inaccurate information and failed to maintain reasonable procedures to avoid such inaccuracies, directly violating my rights to accuracy and privacy. 

Non-Compliance with Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) : I have not been adequately informed of my right to opt-out of information sharing as required, nor have I given any form of consentwritten, verbal, implied, or otherwisefor my personal information to be shared with nonaffiliated third parties. 

Exercise of Right to Opt-Out : In accordance with 12 CFR 1016.7 and my rights under the aforementioned laws, I hereby opt-out of all future reporting and sharing of my personal information by XXXX, Transunion, and XXXX XXXX 

I assert that the actions of XXXX, Transunion, and XXXX have not only violated specific statutes of the FCRA but have also breached the broader principles of fairness, impartiality, and respect for consumer privacy as mandated by Congress. 

I request a thorough investigation into these matters and appropriate corrective actions to ensure the protection and confidentiality of my personal information. I also seek confirmation of my opt-out from further information sharing and an assurance of compliance with all relevant consumer protection laws. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Checking or savings account

We utilize Regions online Bill Pay, and made a payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX for an RV loan. In XX/XX/XXXX, Regions put the payment amount of {$670.00} back into our account because XXXX XXXX XXXX XXXX never cashed the payment. We have not been able to get an answer from XXXX XXXX XXXX XXXX as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from XXXX XXXX XXXX of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but XXXX XXXX XXXX chose to ignore that, and churn the account with late fees. 
I contacted Regions about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XX/XX/XXXX. Because XXXX XXXX XXXX did not cash the payment, Regions could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to XXXX XXXX XXXX XXXX, which I believe XXXX XXXX XXXX XXXX ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.
Product: Bank account or service

I sent my XXXX check in to my Bluebird account. They have guidelines on how I can deposit which are : How do I add Checks by Mail? 

You can add funds to your Bluebird Account by sending a check in the mail to American Express ( " Check by Mail '' ). This is an easy way to add funds if you do n't have access to the Bluebird Mobile App or want to add a check greater than {$2000.00}. We accept checks of any amount in the mail as long as they meet eligibility requirements and you stay within your total annual account load and balance limit of {$100000.00}. * How do I add funds from a check to my Bluebird Account by mail? 

Make sure the check is payable to the name of the Bluebird Member as it appears on the Bluebird Card. 

Sign the back of the check. Make sure that all necessary endorsements are on the check ( e.g., a check made out jointly to you and another person must be endorsed by you and that other person ). 

Write your XXXX-digit Card number on the back of the check below your signature. 

Mail the check to : American Express, Bluebird XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I sent this check from the federal government into them via mail to the address listed which is XXXX XXXX XXXX Utah address. This was under the XXXX dollar annual limit and was a federal check so it meets all their guidelines. I got notice today that they have suspicious activity on my account. I called them up and talked to XXXX, she said that I ca n't deposit an amount that large by mobile deposit, I told her I know and thats why I sent the original federal check to their XXXX utah address. She said bluebird ca n't accept the check for that amount, last month they froze my account from my social security funds now they freeze my account for depositing a va check for backpay for 5 years, the amount of this check was {$72000.00}, I am XXXX and it is difficult for me to always get out, this bluebird account allows me to make deposits into my account easily but then they freeze my account every month while they verify everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX Account XXXX XXXX # XXXX has Violated my rights 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not Furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX  not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with XXXX they have a XXXX card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair Credit Reporting Act the list of accounts below violated my federally protected consumer rights to primary and confidentially under 15 U.S.C 1681 US DEPT EDXXXX, US DEPT EDXXXX, XXXX XXXX, US DEP EDXXXX 15 U.S.C 1681 section 602 A. States that 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 1681 ( A ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information other than records or conviction of crime which antedates the report by more then seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) : A person should not furnish any information relating to the consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 a second letter was received by Transunion with regards of reporting inaccurate information on the consumer which the report relates to. Previously a first letter demanding proof of accuracy items came back verified with no proof. Also Transunion has took action to produce documents report non public information without the consumer written consent which identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This letter is my formal dispute notice regarding XXXX cases that refers to the XXXX  XXXX XXXX Acct ( XXXX ) back in XXXX. Plaintiff is XXXX XXXX XXXX XXXX ll, XXXX and the Law Offices of XXXX and XXXX, XXXX. I am the defendant and a victim of Identity theft and fraud. 

As reported to the XXXX XXXX XXXX XXXX XXXX. Levying XXXX. I responded to inform them that their information was completely inaccurate, fraudulent and a matter of identity theft. I requested that they return my earnest money that was levied.

They took {$1500.00} which was garnished from my bank account, including the miscellaneous debit garnishment processing fee of {$100.00}. They have taken my time at the court house, the sheriff dept. and I had to research information which was extremely stressful. Not to mention the gas money to travel back and forth for weeks. I am not a lawyer! Therefore, I had to learn things and gather information and paper work that I am unfamiliar with. I still don't have an attorney. 

I demanded that they validate this information by providing me and the XXXX XXXX XXXX XXXX. We have tried to XXXX XXXX  XXXX XXXX for proof of records and asked that the law firm that took over this case to substantiate this debt. 

The case was recently brought to my attention for the first time as of XX/XX/XXXX. On that day I received a letter of ( XXXX ) XXXX pages in the mail from the XXXX department in regards to this case. 

I have never received any summons or been served by the court in regards to this allegation prior to this month, XX/XX/XXXX. When I received this letter I went to the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. in XXXX, CA. to inquire and receive a case file with ( XXXX ) XXXX pages of non-conclusive information, accusing me of an alleged debt with NO Authorized SIGNATURE of the acclaimed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm attempting purchase a vehicle. I check the information the car dealer sees on my reports. I 've never heard the information before. He says I 've recently purchased a vehicle that was repossessed three weeks ago. Now I look for the first time in my life. I 've never lived at these addresses nor have I ever seen a credit report before. Please help!
Product: Debt collection

Received a Bill from Convergent on XX/XX/2020, referring to an account number that is not mine and saying I owed our local electric company {$260.00}. This is not my debt and I want it cleared in order to restore my credit rating.
Product: Debt collection

An account was fraudulently opened in my name and currently under police investigation. I've reached out to the company, disputed this account and provided a police report.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct reasonable reinvestigation of disputed information on my credit repor, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

I live in a hurricane disaster area from Irma in XXXX XXXX XXXX. I contacted my mortgage servicing company, LoanCare, to discuss options as there was some damage to my house. First, I called them several times and they said they would call me back and never did. Then, they told me that that would move the next 3 payments until the end of the mortgage period and they would send me some forms to fill out, but I never received anything. I received a threatening letter because my payment was a little late after being told about the three months so I called back. I was told that there was nothing at all in the notes and that option was not available. I have had to call dozens of times and spoke to moss mitigation repeatedly, but I still have no idea what is going on there. I always get transferred to an employee who never answers any calls and never returns messages. I have spent more than 12 hours trying to get a straight answer but I still have nothing to show for that. They love to play transfer games until the person/department who you need to speak to is gone for the day. This company has no business servicing mortgages and shows no respect to their mortgagees.
Product: Debt collection

I have several times contacted PayPal about the way they fail to contact costumers about paying off the interest due on the account, to date, they still have made no attempt to provide the opportunity for customers to do so online. This requires customers having to call them directly which is not a convenient. So they are able to capitalize on customers who pay a large sum of money without adequately satisfying the interests they have placed on customers account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many erroneous and unverified items on my credit reports with XXXX, XXXX, and TransUnion. I have sent multiple letters asking for the items to be either verified or removed, and the items have not been verified, but have also not been removed.
Product: Vehicle loan or lease

I co-signed for a vehicle for my son in in XX/XX/XXXX. He used this car primarily for generation of income by driving for XXXX and XXXX. When the pandemic hit in XX/XX/XXXX, he was no longer able to pay the note due to COVID-19 restrictions. The car was soon repossessed in XX/XX/XXXX. Vehicle Solutions Corp has had the car in their possession and likely have resold the vehicle for over a year. They are still hitting my credit negatively with a new occurrence each month and this is vehicle. I spoke with the company and they refused my settlement offered in the XXXX 's because XXXX stated that it would be denied. They are only accepting payment in the XXXX 's, although he would not state a minimum amount. I was not asking for the repossession to be removed, but the continuous month to month negative hit for a car that my son no longer possesses and a car that was lost due to restrictions of COVID-19. They tout themselves to be a company that works on honesty, integrity and trust. I beg to differ because even though I explained to them that I was a co-signer, and the car was lost during the pandemic, due to real-life income restrictions, they refused to remove the on-going credits hits unless I pay {$1900.00} for a car no longer in our possession. Again, I am not asking for the repo to be removed ... just relief from monthly negative hit.
Product: Vehicle loan or lease

XXXX finance came and removed my car from my sisters home trespassed on private property with lack of personal jurisdiction i have paid on the car for 5 years on a loan balance of XXXX and after 5 years stated i still owed XXXX how is that possible al they also lied to me on their recorded calls telling me i owed 3 years on the car and that was false i want this removed off my credit and my vehicle returned to me they have left a mess on my driveway in result to pulling the vehicle out without permission to step foot on my property