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

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.
Product: Checking or savings account

I have had a credit card for over 30 years with no issues and excellent credit. Capital One emailed me that my bank account had insufficient funds to pay for my credit card debt on XX/XX/XXXX. The same minute I received their email, I injected the funds required to pay for the credit card. I immediately called them and they told me I should wait for the system which is set on auto pay, to get the auto payment processed again. I waited two days and this was not happening, I ended up submitting the payment manually online. Because of this " wait '', the bank charged me : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), charged me XXXX ( XX/XX/XXXX ), refunded me XXXX ( XX/XX/XXXX ), refunded XXXX ( XX/XX/XXXX ), and charged me XXXX ( XX/XX/XXXX ). I called them at least XXXX times since XX/XX/XXXX and asked them to check their recordings where they gave me INCORRECT instructions, the reason why I waited and ended up getting interest charges that should have never been issued. I have called them at least XXXX times, and every time they say they will correct they do not correct. This morning I spent XXXX with multiple representatives passing the ball to the next and not resolving the issue. They owe me XXXX and they need to credit me back for that amount. The last person said she would not be able to refund me what they owe me because the system does not allow her. They need to correct their mistake and refund me my money. 
Also, their system showed different information in XXXX and now in XXXX, I hope the amount they owe me remains the same next month I check it. I am taking snapshots this time. 
Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXXXXXX 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 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

I opened a chaecking account with bank of america. I had a loss of income and asked the bank to cancel my debit card out. They did not and they continued to allow a fraudlant charge to continue on my account resulting in fees. They closed my account bc of the XXXX in over drawn fees. They labeled my account as FRAUD. I have thus paid the matter. I am not able to open a checking account any where bc of teh FRAUD on my account. Can you help with me getting is removed?
Product: Credit card or prepaid card

Subject : Lack of Disclosure under 15 USC 6802 and GLBA - Request to Opt Out Navy Federal Credit Union I am writing to address a critical matter regarding the disclosure of my personal information to third parties, as required by 15 USC 6802 and the Gramm-Leach-Bliley Act ( GLBA ). I recently discovered that Navy Federal Credit Union failed to provide me with the necessary disclosure under these regulations, which grants me the right to opt out of having my information reported to third parties. 
Under the provisions outlined in 15 USC 6802 and the GLBA, consumers are entitled to receive clear and conspicuous notice about their ability to restrict the sharing of their personal information for marketing purposes. Consumers must also be provided with a reasonable opportunity to opt out of such sharing. 

Unfortunately, I was not properly informed of this opt-out option or provided any means to exercise my right to restrict the reporting of my personal information to third parties. This omission not only violates my rights under federal law but also erodes the trust I have placed in your corporation to handle my personal information with care and diligence. 

I hereby request that you rectify this situation promptly by providing me with the required disclosure as mandated by 15 USC 6802 and the GLBA. Furthermore, I exercise my right to opt out of any future sharing of my personal information with third parties for marketing purposes. It is crucial that my information is not disclosed or shared with external entities without obtaining my explicit consent. 

I understand that specific procedures or forms may need to be completed to effectively opt out. Kindly furnish me with detailed instructions and any relevant documents to ensure a smooth and expedient process. 

I trust that your corporation acknowledges the seriousness of this matter and will take immediate action to ensure compliance with the applicable laws and regulations. I appreciate your prompt attention to this issue and anticipate a timely resolution that upholds my rights as a consumer. 

Please acknowledge receipt of this letter within [ number of days, typically 10-14 days ] and provide a written confirmation of the steps taken to address my concerns. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and to maintaining a positive customer experience with your corporation. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. XXXX XXXX reported us 30 days late even though the wire transfer had been confirmed as received beforeXX/XX/2020. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did XXXX XXXX. I was told I would need to file a law suit against the bureaus by the credit repair company. 

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting XXXX XXXX as currently late with a XXXX balance. 
2 ) I called XXXX  and Equifax in XXXX and they customer representatives told me there was no lates on my file in relation to XXXX XXXX, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that XXXX XXXX had received the payoff on the XXXX, before the 30 day late marker.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a victim of identity theft. I submitted dispute letters to XXXX, Experian, and XXXX notifying them of the accounts that did not belong to me over 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts on my credit reports were dismissed in court but the credit reporting agencies refuse to remove them and one account, XXXX XXXX, uses several different collection agencies in an attempt to collect. The other account is Calvary.
Product: Money transfer, virtual currency, or money service

I was called ona Sunday saying my bank had been compromised and the caller tried to get me to go to cashapp to transfer my money from my bank to cash app. I caught on and knew it was fraud. I also linked one of my cards to cash app and two days later, someone in XXXX used my card and charged it to {$720.00}. Took three weeks to get my money back
Product: Debt collection

Horrible company who breaks the laws. Doesnt disclose who they are when they call. Called me XXXX times in XXXX day back to back. I never received a written notice about the debt explaining what I was even charged for. They call everyday and ask me to pay. XXXX time asked if I plan on winning the lottery to pay off my debt. Im a single young mother that was trying to set up a payment plan to pay off my debt. Not to mention the debt is from property damage when I moved out of an apartment. The apartment had rental insurance and the charges are absolutely ridiculous. I never received what I was even being charged for or what Im in debt for. Horrible company.
Product: Credit reporting or other personal consumer reports

I'm reopening the case for Experian ( attached ) because it never got resolved and including XXXX. I reached out to all the hard inquiries listed on my credit report. Attached are the responses from the inquiries that responded back. Also attached are the letters I sent to Experian and XXXX demanding these inquiries be removed immediately. The addresses listed on my credit report are apparently invalid, they came back return to sender.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Company keep sending letters about a fraudulent account to my neighbor adddress to XXXX XXXX XXXX XXXX and wont stop sending letters and he filed a complaint with XXXX and they are still sending letters to him. 

I want all the mail to stop sending to that address It coming from the fraud dept. 

I didnt apply for this metal card from Barclays and they denied my fraud claim and I want all the mail stop I dont live there!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # 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 : Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX date : XX/XX/year> XXXX XXXX date XX/XX/year> XXXX XX/XX/year> These inquiries were never authorized by me. I went to this dealer with pre-approval acceptance from XXXX XXXX. They were only supposed to submit everything to XXXX XXXX and not run my credit for other companies. I tried to dispute with XXXX XXXX but they would not help me. In fact XXXX is appearing twice as if it is XXXX different companies. 

XXXX Bank XX/XX/year> Bank of America XX/XX/year> XXXX do not recognize these inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see complaint # CFPB Case XXXX and the XXXX 's response. They admit that the messed up but will not fix it correctly as it should be. 

I authorized 1 hard credit inquiry to obtain a credit card with XXXX. They pulled XXXX hard inquiries. I have been trying to work with them to get the additiional 2 that they admit were made in error off of my credit report but they just want to change them to soft inquiries. I did not authorize the additional 2 inquiries hard or soft and they admit that these were done in error so they should be removed completely from my credit report. 

I did not authorize 2 additional hard or soft inquiries from XXXX on XX/XX/XXXX, the document attached shows that this is an error but they refuse to remove these completely.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I disputed this XXXX XXXX credit card account with a balance of {$210.00} for this reason I paid the debt off in full upon me paying the debt the creditor agreed to delve and it would be deleted from my credit file and now it is not. according to the consumer laws it is illegal to report inaccurate information to my credit without my permission LAW FCRA SECTION 605 ( B ) I WOULD LIKE THIS ITEM DELETE immediately from my credit profile.
Product: Debt collection

On XX/XX/2019After multiple phone calls from a collection agency regarding a cell phone bill from XXXX XXXX XXXX I finally was able to ask them to stop calling me and my daughter 's phone and to cease and desist all communications because my boyfriend did not know that I had the phone. On XX/XX/XXXX they called again creating conflict in my home. I called the collection agency to file a complaint but they deny ever calling me a second time I still use service with XXXX XXXX XXXX as far as internet and Wi-Fi so I called and complained to them Nothing has been done to rectify this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a certified letter containing a Notice to Occupant of Pending Acquisition from XXXX XXXX XXXX. I do not reside in the property. This is the only document that I have received over the last year informing me of this matter with the exception of the legal foreclosure documents filed with XXXX County in XX/XX/2017. I have made multiple attempt to contact XXXX XXXX and have made multiple attempts to retrieve information from XXXX XXXX   in order to clear my name of this outstanding debt. Over the last year, I have talked to multiple Customer Service Representatives and have had to explain this story over and over again. I have been denied multiple requests to talk to an individual in management. I have been given multiple different stories/ scenarios about my liability and my association to the loan attached to this property. According to the Fair Credit Reporting Act : I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. 

Additionally, I have been told that I would receive phone calls from Management at XXXXXXXX XXXX, have been assigned multiple single points of contact, and still have not been able to get a straight answer or any type of assistance in this matter. XXXXXXXX XXXX has denied my request to have all documents associated with this loan/ property sent to me and the customer service representative indicated that this wasnt possible and in similar situations that other spouse didnt worry about situations similar to this. 

XXXX XXXX has failed to keep me informed and has acted in a negligent manner. Due to this negligence and failure to provide me with documentation about the status of the loan over the last year outside of the Foreclosure Notice, I am requesting that all they remove all negative reports to my credit status immediately. Additionally, after months of attempts to contact XXXXXXXX XXXX   to retrieve this information and talk to a representative that could provide me with accurate information I have been falsely informed by several Customer Care Representative employed with XXXX XXXX indicating that I should not be held accountable for the loan. XXXX XXXX may be considered a major financial institution should be held accountable for unfair practices, miss informing customers, and refusing to keep accountable parties informed. Due to XXXX XXXX negligence in this matter my reputation has also been damaged. XXXX XXXX performance deficiency has caused additional damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I requested and was granted forbearance on my mortgage loan with Loan Care. Over the next several months, I received statements indicating that I was enrolled in the forbearance plan. Additionally, I received multiple e-mails informing me about the forbearance plan. 

After a recent credit report was pulled, it was discovered that the company reported my mortgage as delinquent for 60 or more days. That is inaccurate as I was enrolled in the forbearance plan. Disclosures state that there would be no foreclosure or negative impact to credit reporting agencies during period of forbearance. 

This is not the case and the loan company is unable to be reached via telephone to discuss this matter. It is simply a 1-800 number that is voice automated to answer a series of generic Q & A.
Product: Mortgage

Truist Bank refuses to remove the PMI on my conventional home loan. I have followed their directions, and they returned my {$150.00} check. According to XXXX XXXX ( the servicer of my loan ), my current LTV is under 60 %. All conventional loans should have PMI removed if the payment history is perfect and the Loan to value is below 78 %. Truist Bank wants a list of " improvements that are substantial in value '' without any definition of what they consider substantial. This is a subjective term that was never presented during my loan terms, and closing documents of my original loan. 

I sent my check for " XXXX '' of {$150.00} on XX/XX/2022. I just opened the mail today coming back from a vacation to see that returned my check and refuse to consider dropping my PMI.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts from my credit 
file, as I am a victim of a data breach and subsequent identity theft. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I am entitled to have fraudulent information removed from my credit 
report to ensure its accuracy and integrity.
Please remove the following accounts from my credit file: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Okay you want to play the id game? Acting as though I haven't sent you my copies of ID repeatedly over the last 18 years. This time, because of the cfpb I will have documentation that I sent you copies. 

You can also watch this video. It's posted on multiple sites. I am tired of your games. 

https : XXXX You might have to copy and paste I don't know if there's a hyperlink available on this. 

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

The personal information has multiple addresses, phone numbers, employers and other information which are old, inaccurrate or both.