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

I was in the process of purchasing a home and these issues became a problem. I am a victim of identity theft and these damages are a defamation of my character. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY. These account should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 161b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENETITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, {$1000.00}, Contact XXXX XXXX XXXX to remove the item, all the information is incorrect, they stated that the account was sold to another company. Also, dispute this item and nothing happen. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. State I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX Charged off on XX/XX/2018 This account was paid in full on and they are still reporting to XXXX and XXXX that account is in negative standing
Product: Debt collection

Never received any information from Comenity Bank last four of account XXXX. Began receiving notices from XXXX XXXX. Refused to provide information from original creditor Comenity Bank XXXX. Began receiving letters from XXXX XXXX XXXX XXXX. Numerous phone calls. Repeated requests for information from original creditor Comenity Bank. Repeated requests to stop calling. Explained that I am XXXX. Told me that my credit would be damaged, they would contact my employer ( I have no employer ) told me they would sue me and XXXX XXXX XXXX XXXX XXXXXXXX and contact my landlord and inform them of the debt.
Product: Mortgage

Ive attempted to make a payment on my loan multiple times since XXXX. I have plenty of money in the account and I have verified the routing and account numbers but the payments keep getting reversed. I have used different accounts to see if it was a problem with a specific bank account, but they still got reversed. I had a very difficult time trying to find a person from Roundpoint to talk to. I searched multiple times to find a number without finding it until I finally found it buried in a faq page. Once on the call, it also took several attempts to get to an actual person. They have charged me late fees and reported me to the credit agencies when, in my view, these delays are a result of their systems and their attempts to save money. I dont feel that I should be held responsible for the fees or negative credit ratings. Their record clearly shows that I attempted to make payment multiple times and with multiple accounts. It would have been quite easy for them to provide a phone number for me to call or to call me when their system didnt recognize the account number. At this time I am still not certain if my payments have been accepted.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, * was unt ily charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit inquires that were not authorized, dont recognize it XXXX XXXX  XX/XX/XXXX US Bancorp XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

XX/XX/XXXX, I noticed fraudulent charges on my CitiBank credit card account, and called to dispute charges and cancel the account. The dispute was resolved successfully, and they issued me a new card. I paid the credit card balance in full, and within days of receiving the new card, I noticed an additional fraudulent charge in the amount of {$67.00} under the new account number ( I had never used the new card or made any purchases ). The charge was for a ride sharing service in California ; I live in Ohio and have not been to California. I immediately called to report the charge and cancel the account ( XX/XX/XXXX ). They informed me that I would not be held responsible for the additional charge. It is now XX/XX/2016 and the charge remains on my account and I have not received any information from Citibank.
Product: Credit reporting or other personal consumer reports

After looking over my consumer report I seen a few inquiries that should t be on my consumer report under the laws XXXX set in place for me as a XXXX  of the United States of America first law 15 1681 2a they arent supposed to report transactions on my consumer report. 15 usc 1602 ( g ) I am the creditor i am the lender and not the borrower we the consumer are the creditors. 15 1602 ( p ) a consumer credit transaction took place you receive no benefit but someone got paid. 15 usc 6802 supposed to let me know or disclose that they wan na put something on my consumer report and supposed to give me a option to opt out and they didnt. XXXX XXXX XXXX asking for social security number on any credit transactions consumer transaction or loan is against the law because there is no lawful money this is a crime I have the right to privacy In Accordance with 15 1681 12 usc 1431 I can not be the debtor and Ive never been the borrower the banks are the borrowers these XXXX companies violated 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit report records and promotes the privacy, fairness, and accuracy of personal information gathered by XXXX XXXX XXXX ( XXXX  ). XXXX  are entities that collect and sell financial and credit information about individuals. XXXX XXXX XXXX XXXXXXXX XXXX,2023 and XXXX XXXX bank XXXX I havent received anything from these XXXX  I asked that they send me my wet ink signature on me signing anything with there persons. Banks have been committing fraud since XXXX  knowingly and willingly deceive you for their financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/product. So its actually an exchange and not a loan in an exchange you are trading things of equal value including my social security number.
Product: Student loan

I get calls from Navient aka XXXX. Today XXXX/XXXX/2015 I have recieved XXXX calls from them demanding payment of a account I handle when I ask to speak with a supervisor its always a hassle. When I ask them not to call me after a certain time due to my work schedule i get told they will call me up to XXXX is there anything I can do
Product: Mortgage

CAUSE OF ACTION : DECEPTION / INTENT / CONTROL, NEGLIGENCE, THEFT, PERJURY,
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am submitting this complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of identity theft ; my information was stolen and used to open these items without my permission or knowledge. Therefore, I request that you immediately remove these fraudulent items from my credit report with your firm or provide me with the exact source from where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my credit report : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$540.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

this credit line continues to show up on my credit report even though I have been told repeatedly that the line would be completely deleted I have a release of judgment and also document saying the credit line would be removed but  XXXX  and trans union and   XXXX   keep reporting it. please help.
Product: Credit reporting or other personal consumer reports

JHPDE Finance I , LLC located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX and phone number of XXXX states I owe {$1900.00} on a XXXX XXXX credit card. I spoke with XXXXXXXX XXXX  over the phone two years ago, and XXXX XXXX ran my phone number, addresses, and social security number and could not find any record of me opening a credit card account. I called two months ago and spoke with XXXX XXXX  again regarding this credit card and was told no account exists in my name. I spoke with another collection agency over two years ago and was told the owner of this account was XXXX XXXX XXXX. JHPDE Finance I , LLC refuses to remove the account from my credit report and refuses to do a three-way call with XXXX XXXX XXXX customer, whom they are collecting for. I want this account removed from my credit report and to not show up again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Experian XXXX and XXXX XXXX have violated Title 42, Section 408 ( a ) ( 8 ) of the United States Code ( USC ) by publicly using my social security number publicly in concert attempting to deprive me of my right to free will. Further violating U.S.C title 18 section 242 color of law. XXXX XXXX has lied about documentation sent to me which I have never received mostly because they are reporting a in accurate address claiming it's accurate. Also violating the false claim 31 u.s.c 3729 by false inaccurate reports all companies and agencies named in this complaint has 10 days to correct this issue or I will be seeking the United States of America federal courts for my further civil and criminal remedies. I further request that XXXX XXXX Experian XXXX XXXX all send me proof of my authorization to report anything publicly. This is defamation of character and an assault on XXXX Americans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Discover and XXXX XXXX " I am opting out of your reporting services. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Immediate Investigation and Deletion of Inaccurate Reporting on Charged-Off Citibank Account XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate correction of inaccurate information being reported on my XXXX credit report regarding a Citibank account that was previously charged off. 

As per my records and industry standards, once an account has been charged off, it can not continue to be reported as " past due. '' However, my credit report inaccurately shows this account as being past due as of XX/XX/year>. This is incorrect and misleading reporting. 

A charge-off means the creditor has closed the account and moved it to a loss categoryit can not simultaneously be reported as past due on a month-to-month basis. Continuing to show a " past due '' status after the charge-off date is not only erroneous but also a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and integrity of the information in consumer credit files. 

XXXX 's failure to correct this inaccurate reporting is having a negative impact on my creditworthiness and personal financial standing. This type of reporting reflects a clear lack of understanding of proper credit data handling and must be resolved immediately. 

I am requesting that XXXX : XXXX. Investigate and verify the accuracy of the reported data with Citibank. 
XXXX. Remove any post-charge-off delinquency entries ( such as past due notations dated XX/XX/year> and beyond ). 
XXXX. Provide written confirmation that this correction has been made. 

Please consider this letter a formal dispute under the FCRA. I expect a response within the XXXX timeframe mandated by law. 

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

i found fraudulent accounts on my credit report that are not mine and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, i contacted them and seems that they dont even know whats going on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX filed a collection on my credit report for a debt that is not mine. I informed them i had no knowledge of the debt and verified with my bank that no deposits or accounts existed with XXXX XXXX or Zoca Loans   or any of their partners. I filed a police report in XXXX KS XXXX number XXXX