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

I am writing to demand the removal of inaccurate account reporting to my Consumer Report. Tropical Financial Credit Union is reporting an account that is a violation of the law. I do not give consent, written instruction, permissible purpose, authority to disclose my private or financial information. The consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal this obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This account has been paid, yet reporting derogatory in violation of the FCRA which assures maximum due diligence into reporting.

This violation of my rights to privacy is very serious and does come with legal implications for all parties involved. I am giving in good faith opportunity to cure. Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA. This is also a violation of the criminal and tax code.

Rather than risk liability for the hundreds of thousands of dollars in fines, fees, and penalties for these violations on the creditor, data furnisher, reporting agencies. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue.

Have a blessed day.
Product: Credit card

I sent Citibank a letter on XX/XX/year> closing my secured credit account after my account had been hacked at least six times in XXXX.

Within two weeks, they received my letter and per the app on my phone, my account was closed. I have called three times ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) to request the refund of my {$200.00} security funds that I opened my secured credit card with. Phone # XXXX. 

The first time they just said no that the cancellation of my account needs to be processed to make sure there are no additional charges ( even though my account already showed closed ), the second time they said no because they needed to resolve the last dispute, which was due on XX/XX/year>. I advised that after that, they needed to direct deposit my money. Today, they said no because they said that the account needs to be closed a total of 21 days before they will refund my money and when I asked when they closed the account, they said XX/XX/year>- which is totally incorrect. 

There is no reason for them to keep my money. All disputes have been closed. No additional charges have been made since the account showed closed in early XX/XX/year> and yet they are refusing to return my money.
Product: Credit card or prepaid card

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution.Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card

This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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: Debt collection

A third party is tryna collected a debt they dont own the contract or debt
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information,

previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation
confirming the accuracy and completeness of the reinstated data.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXXXXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX was paid in XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my loan with speedy cash and it still says its open but XXXX paid off its showing as a negative impact on my credit and dragging it down
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report with at least 7 errors that I have been disputing. Experian sent me a letter today saying that they were not going to reinvestigate my dispute at this time. I have sent them all of the necessary proof of the errors and nothing has been done. My name is spelled incorrectly on the letter sent by Experian as well.
Product: Credit card or prepaid card

i have been a victim of identity theft and have been working on this for several months. I have been disputing an account on my credit report from a XXXX with Equifax and have sent several certified letters. They keep stating that this account has been verified which it can not be verified when its not mine. i am now to the point of a lawsuit agaist them if its not deleted. this is my 6th attempt and every time I attempt to dispute it with Equifax I get a updated but not deleted! the can not verify a fraud acct unless they are crooked theirselves. I need the original contract signed so I can prove that this is not mine Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Regarding complaint # XXXX SLS mentioned that they received my 2nd loan from XXXX, but in previous correspondence they said they obtained it from the trustee, which was attorney XXXX XXXX XXXX SLS stated : " With regard to the documentation received from XXXX XXXX regarding the modification of the first mortgage loan that occurred on XX/XX/XXXX, the amount capitalized into the first mortgage principal balance in the amount of {$10000.00} appears to be for delinquent interest in the amount of {$4200.00}, escrow in the amount of {$3400.00}, and fees in the amount of {$2200.00} ''. ( First of all, that information did not come from SLS. SLS never proved that they were even assigned my loan. ) If you add the escrow of {$710.00} to the {$10000.00}, the total is within XXXX cents of what SLS says I owed. The top page of the attachment is from SLS. That amount was added to the primary loan, see principal balance after transaction on the bottom page. There you have it, the 2nd loan was added to the 1st loan, as evidenced by the provisions of the modification, the increase in the 1st loan, a statement by the XXXX Rep, and I stopped receiving statements from XXXX for the 2nd loan after XX/XX/XXXX. Even though there is no proof that SLS was ever assigned my loan SLS threatened foreclosure and took me to federal court. I had to refinance my home and file bankruptcy. My family and I have undergone an incredible amount of stress. In XXXX of XXXX I paid SLS {$33000.00} under protest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, 3-4 years ago I had a credit card with State Farm and I recently checked my credit score and I saw something negative report on it from them. I called State Farm on XX/XX/19. For an hour I spoke to 9 different reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate accounts that are reporting. I have made a list of all the inaccurate accounts that I would like removed from my credit report. I am in the process of providing a future for my family and unable to get approved for loans due to this issue. Please review all of my documents and remove the accounts listed
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report its hurting my ability to obtain credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Debt - XXXX Dear XXXX XXXX XXXX, I am writing to dispute the debt listed on my account with the above-mentioned account number. I believe this debt is incorrect or has been paid in full. 

The XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing owing any and all debts to you.I am revoking all rights of you communicating with me through email/text/and or phone. 

I am requesting debt validation, purchase agreement between you and the original creditor, and for you to furnish proof that you are licensed and bonded. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Citizens bank locked me out of my accounts, when calling them they left me on hold for over XXXX mins to tell me my account was suspended they cant give me access to my accounts and they are closing my accounts. I had to rush and change my bank information. They sent no notice. Additionally I had problems with transactions on the account that were unauthorized, instead of addressing the claim they closed all of my accounts without telling me, they also didnt mail any notice. They have also charged me fees in the past and wouldnt refund them. I currently had a claim going on and instead of answering my claim they locked me out of my accounts and closed them. I have done buisness with them for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5700.00}. XXXXm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

I spoke with company on XXXX XXXX and made arrangements to pay a payment of XXXX on that day and divide the remaining amount due on XXXX XXXX. I started receiving calls on XXXX XXXX, again. PNC Mortgage claims I broke the arrangements and took the extra money I had paid applied it to the fees. The effect of this was leaving the current house payment behind by 2 months. PNC was refusing to honor the original arrangement and refusing to allow a partial payment of amount owed.
Product: Mortgage

Chapter XXXX filed XXXX ; Loan previously with XXXX XXXX. During the chapter XXXX the house payment was raised from XXXX to XXXX without any written notification and/or notice during the bankruptcy. I continued to pay XXXX. The Chapter XXXX was discharged XXXX/XXXX/XXXX. The only info received from XXXX was prior to the discharge XXXX XXXX that stated my payment would reduce from XXXX to XXXX eff XXXX/XXXX/XXXX. NO back balance was indicated. Then the loan trans 'd to Selene Finance XXXX/XXXX/XXXX. I was not made aware of the transfer until XXXX/XXXX/XXXX. Selene Finance would not even discuss info with me until XXXX/XXXX/XXXX. Advising my attorney would not give " verbal '' release that they no longer represented me. I had already faxed court order discharge papers, but this was not accepted by Selene. When they finally begin to speak with me on XXXX XXXX, they advised I was 18 payments behind for over {$12000.00}. This was not only a shock to me but I had nothing from XXXX nor from anyone else with this information. I then requested research on XXXX/XXXX/XXXX from Selene Finance. They want to tell me I am behind but to this date they have yet to send me how and why this amount is owed. They advised me it would take over 2 months to do research but would still have to pursue foreclosure if this amount was not paid by XXXX/XXXX/XXXX. I can not get anyone to call me back, they have no answers ; I have been told it is my fault, etc. I have made a total of 13 phone calls to try and get this resolved. On XXXX/XXXX/XXXX loan modification papers were overnighted to Selene finance in order to try and save my home, but I have still have not heard any updates. I truly feel that they are purposely delaying research in order to foreclose on my home. Something is just not adding up. I have tried and tried my best to do what I feel is right to try and get this all in order. But so far this new finance company is not working with me. I am not sure what else to do. Any assistance in this matter would be a great and wonderful burden off my shoulders. I have been fighting now for almost 4 months.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. DEPT OF ED XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX EXPERIAN, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I received a wells fargo 's advertisement for checking account ( Picture 1 ) and opened a wells fargo checking account in XX/XX/2017. However I didn't receive the {$300.00} checking bonus as they advertised. 

Their terms : Receive a sign up bonus of {$300.00} when you open a new Everyday or Preferred checking account with Wells Fargo and have {$1500.00} direct deposited into the account for three consecutive months within 150 days of account opening. 

Not eligible for bonus if you are : 1 ) acurrent owner on a Wells Fargo consumer checking account ; 2 ) aWells Fargo team member ; 3 ) arecipient of a consumer checking bonus in the past 12 months ( limit 1 bonus per customer ). 

I tried to contact their customer service. The first customer service told me that I not eligible because I don't have a XXXX on file. But I have mailed them XXXX long time ago and their customer specialist confirmed with me that they have received XXXX ( Picture 2 ) The second time they told me I am not eligible because I previously owned a wells fargo account. However, that account was closed when I opened the current checking account ( Picture 3 ) and I didn't receive any account bonus in the past 12 months. As for their terms, I should still be eligible. 

In sum, I hope that I can receive the {$300.00} new checking account bonus as they advertised.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where XXXX 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 dispute accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX {$360.00} Dispute # XXXX XX/XX/XXXX and most recently AGAIN XX/XX/XXXX!!