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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I : XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Attempting to contact call center when I am not working. Call center reported that they " could not transfer me '' to United States branch. Call is recorded, requested 4 times. Representative name is " XXXX ''. 

I was informed by a representative 2 weeks ago ( call is recorded ) that I was assigned a new case manager, " XXXX '', in the United States. Have never received any contact from her or call back. 

More incivility and unethical behavior on the part of PHH off shore branch.
Product: Credit card

I have a XXXXXXXX XXXX XXXX with XXXX that started at {$5000.00} limit, every time I pay the card down they lower the credit limit to the balance due. This is a violation of FCRA as they are blatantly damaging my credit score. They are making it next to impossible to show crowd reporting companies that I have lowered my balances. FCRA states they can lower limit sue to negative credit report. My credit score has increased since having this card issued
Product: Debt collection

My roommate and I are both being taken to collections by Genesis for a debt through our former apartment ( lease ended XX/XX/year>, we first started hearing from them fall of XXXX  ). We checked with our former apartment directly ( a local apartment complex, who was bought by XXXX XXXX  halfway through our lease ), who told us that we owed no further money and that according to their records, all debts were paid. We never received any notification from XXXX themselves that this money was owed. XXXX provided a receipt that did not clearly delineate where this charge is coming from or when it was applied. My credit score has now been effected by this collections claim. They are also confusing my roommate and Is identities somewhat, as they continue to associate my name with her current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W 2 for identification purposes to investigate this complaint. ) I have attached a copy of the payment history for reference showing this account has been paid and there nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

I had a pending debit from my account. I always wait to see what comes though in the morning to make sure its a valid pending debit so I can make sure the transaction is legitimate. I have been in a position previously where I had someone use my account and routing number in which to withdraw money with an ACH transaction out of my account. I lost that money and never got it back. So now I wait to see what transactions are pending in the morning and then I transfer the money from a separate account at the same bank into that account that pays my bills. It provides me peace of mind. So I transferred money into that account for the pending transaction and that transaction was paid by my money not the banks money, yet Wells Fargo the next day charged me an overdraft fee for the pending amount that I paid with my money transferred from XXXX of my other Wells Fargo checking accounts. I find it obscene that Wells Fargo what have the gall to charge me an overdraft fee for an item that was paid with my money not theirs. If they're doing this to me they're doing this to thousands of customers.
Product: Debt collection

XXXX XXXX XXXXXXXX has been emailing regarding a debt that was unauthorized and I want it properly investigated.
Product: Checking or savings account

The bonus terms were : Get a {$750.00} bonus if you deposit {$50000.00} or more in new money within 15 days of account opening, maintain an average balance of {$50000.00} during the maintenance period and make 5 qualifying electronic payments -- -- -- -- -- -- -- -- Did not get bonus of {$750.00} inspite of completing all requirements and calling up the bank.
Product: Credit reporting or other personal consumer reports

Please remove the folling account that arose from identity theft. XXXX XXXX XXXX XXXX is a fraudulent account im not liable for. Please delete and make sure a company calls my number before opennimg an account. XXXX
Product: Credit reporting or other personal consumer reports

Subject : **Dispute of Inaccurate Information and Request for Removal under 15 USC 1681** Dear Sir or Madam, I am writing to formally dispute the inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i , which mandates that credit reporting agencies must ensure the accuracy of the information they provide.

The following accounts are inaccurate and/or incomplete and should the investigation come back determining as such, they must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These items are incorrect and must be removed from my credit report. I am requesting that you immediately investigate these inaccuracies as required under 15 USC 1681i and, upon verification of their incorrect nature, have them removed from my credit report. 

I trust that you will comply with your obligations under the FCRA and resolve this issue promptly by removing the inaccurate information from my credit file. If this dispute is not resolved within the legally mandated time frame of 30 days, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Please confirm in writing when these items have been removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned item lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, is the item they failed to verify : XXXX XXXX XXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

I a consumer have been a victim of identity theft. Due to this fact my consumer report has been unjustly damaged and my consumer report is now inequitable. Furthermore 12 CFR 1022.3 Definitions states Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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. '' ( XXXX XXXX ) the financial institution and the Consumer reporting agencies EXPERIAN 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 EXPERIAN, XXXX, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have also included and identity theft report with this complaint in the attachments below
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Request for Block and Deletion of Fraudulent Information Under 15 USC 1681c-2 Dear Equifax, I am writing to formally request the immediate block and removal of fraudulent information on my credit report under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

The following account was added to my report without my authorization and must be removed immediately : Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX The definition of a credit card under federal law is any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My consumer report functions as a credit device. The furnisher and CRA have mishandled my personal data to create or maintain this account without my explicit consent, violating my rights under the Gramm-Leach-Bliley Act ( 15 USC 6801 ). 

Additionally, the fraudulent reporting of this account meets the legal definition of fraud as defined in XXXX XXXX XXXX : A knowing misrepresentation of the truth or concealment of a material fact to induce another to act to his or her detriment. 

Enclosed are the following documents supporting my claim : A copy of my government-issued ID and proof of address. 
A copy of my FTC Identity Theft Report. 
Identification of the fraudulent information ( highlighted credit report ). 
A signed statement declaring that this information does not pertain to any transaction by me. 
Under the FCRA, you are required to block and remove this information within XXXX ( XXXX ) business days. Please confirm in writing once the fraudulent information has been deleted from my credit report. 

Failure to comply will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXXXXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX, XXXX XXXX A. XXXX I have the right to privacy. XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have request for assistance with XXXX XXXX XXXXXXXX program. My application is completed. State has sent information to SLS on XX/XX/XXXX. On XX/XX/XXXX I was informed response was sent to XXXX XXXX XXXXXXXX program. On XX/XX/XXXX I called XXXX XXXX XXXXXXXX program they confirmed me once again information requesting was send on XX/XX/XXXX. 
I called and tried to spoke SLS they told me it will take end of XXXX to send response. XXXX XXXX XXXXXXXX program can complete my application without response form SLS. My request to speak to supervisor or agent from HAF department was denied because they dont speak to homeowner. Loan is ours and we can talk to them is problematic. 
Default notice was filed to sell the property on XX/XX/XXXX and we getting close to deadline. By the way I have left 2 messages on a single point of contact phone number no one has returned call. By end of XX/XX/XXXX, it will be close to one and half month and this will get close to deadline. By end of XX/XX/XXXX, it will be close to one and half month and this will get close to deadline.
Product: Credit card or prepaid card

Please be advised that this is a notice in writing concerning a billing dispute on a Saks Fifth Avenue store credit card. The purchase amount is {$980.00} dated XX/XX/XXXX. The item was purchased at Saks Fifth Avenue online with order number XXXX. The overseas customer service has been giving me conflicting information as to how long it takes to process a return. Thus, the retailer has not been helpful whatsoever. I also reported this billing dispute to XXXX XXXX customer service on XX/XX/XXXX, speaking with XXXX and given a dispute reference number of XXXX. 

I am providing proof of the returned merchandise via XXXX tracking number XXXX, delivered XX/XX/XXXX at XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card in XXXX through suntrust bank to pay for a home repair. I Paid off the balance of that card in XX/XX/XXXX. Apparently the credit card was bought out by Truist Bank. I was never made aware of these changes. I have not used the card since I paid it off. XXXX XXXX alerted me of a delinquent account this month. After further review, I noted Fraudulent charges occurred on this credit card XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called to close the account and file dispute paperwork through the fraud department. I spoke to both the fraud department and the account department. Paperwork was supposed to be sent to me to dispute charges, and the account was supposed to have been closed at that time. I never received any confirmation from Truist about these interactions via email or postal. I called again on XX/XX/XXXX for written confirmation. The account was never closed and the fraud department claimed they couldn't even find the account. All I got was a run around and the account which was supposed to have been closed was still open for criminals to continue to use.
Product: Debt collection

I was living at XXXX XXXX  from XXXX XXXX to XXXX XXXX. These apartment management was never in the office or vacant most of the time. I was moving out the apartments because of nobody was never there for maintenance and it was inhabitable. I gave noticed to the property manager at the time under XXXX. She signed off on my Rentals Verification and sent it to my current landlord where I reside from XX/XX/XXXX to now XX/XX/XXXX. Fast forward XXXX XXXX changed management and now they are saying i lived there since i moved out which i havent and they billed me almost XXXX XXXX of over due rent. Ive been asking the manager of XXXX to give me the lease i signed past XXXX they cant find it or nothing. They only have the lease i originally signed in XXXX. My current landlord has the email and document of rental verification sent by and signed from XXXX XXXX. They switched property management when i moved out from XXXX to XXXX Noted i never signed another lease with them the last lease i signed was in XXXX XXXX and they cant even find that. 

XXXX of XXXX RENTDEBT AUTOMATED COLLECTIONS Original creditor XXXX XXXX Total : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, this was the second time I disputed the report on my file. Today I received the response. XXXX could not have read the statement I included to them either time. Wakefield is reporting a medical bill for {$130.00}. As per XX/XX/2022 medical under {$500.00} should not be listed on my report. I have email verification where I have contacted Wakefield as well. I again disputed this with XXXX for the third time on XX/XX/2022. I included snap shots of the information pertaining to this issue. Neither company are following proper procedures. This is a health care bill I. The amount of {$130.00} from Wakefield.
Product: Credit card or prepaid card

Citibank did not send monthly statement. I did not know credit card had a balance. Because I was not sent a statement and did not make a payment Citibank charged me interest on the balance and a late fee for not making a payment on time. This is clearly a scam to charge interest and late fees.
Product: Vehicle loan or lease

There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identity transactions to be reported. I am requesting that the reporting of this information be blocked and removed. My request to block is not being made in error, nor is my request to block the identified transactions, not information related to any transaction by me as the consumer. You are required to do what I have asked to be done within four ( 4 ) days of this notice XXXX  update this info to all my reports for this action to be done to all my reports on any file being reported. They violated the law of safe lending rights. They also did fraud identity theft issues 15 1681 a ( g ), filling in false info without consent to do so with other companies. I need my deposits back. XXXX authorizations for release of info
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ Date ] Dear CFPB Representative, I am writing to dispute the recent verification results regarding an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), only a verification was provided, without sufficient proof that this account belongs to me. As I am a XXXX, it is crucial that I receive physical evidence linking this account to me to ensure accuracy. 

Below are the details of the account in question : Account Information : XXXX XXXX  XXXX Account Number : XXXX ( TransUnion ), XXXX ( XXXX ) Credit Bureaus : TransUnion, XXXX, XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Balance : {$1000.00} Credit Limit : {$700.00} Payment Status : Collection/Charge-off Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Comments : Charged off as bad debt Canceled by credit grantor Account closed due to inactivity Unpaid balance reported as a loss by the credit grantor Please provide the following validation : A copy of the original signed agreement or contract. 
Any supporting documentation linking me to this account beyond the listed details. 
If the creditor or reporting agency can not provide this documentation, I request immediate removal of this account from my credit report. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Please respond promptly with either the requested validation or confirmation of the account 's removal from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please CORRECT the items, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX