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

I am reaching out today to notify you that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts. Following the guidance provided, I have directly contacted all relevant companies and initiated the necessary steps to address this issue. I have filed an identity theft report with the FTC and have diligently reached out to each company involved. Now, I am formally disputing the information associated with these accounts. Your assistance in resolving this matter would be greatly appreciated. 
XXXX XXXX XXXX
Product: Credit card

I made a payment to my credit card they applied the payment to the wrong credit card which gave me a 30 day late, I got an alert from XXXX stating I just incurred a 30 Day late I called Navy Federal spoke to an customer service representative on XX/XX/XXXX explained the issue to the representative and she said there was nothing they could do about it but apply the payment to the right account. they are the ones that made the mistake and the amount of the payment was XXXX the exact amount that should have gone to my cash rewards account # XXXX they applied it to my XXXX XXXX XXXX XXXX XXXXXXXX that is how I incurred the 30day LATE. they never want to admit when they are wrong only disregard the consumer.
Product: Debt collection

This popped up on my credit today. It is not a medical bill I owe at all.
Product: Mortgage

I paid my loan in full in XX/XX/XXXX with loan depot.I have not recieved my ecrow balance back and I noticed today that they took out for my pmi imsurance when I no longer have a loan with them..
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.
Product: Credit reporting or other personal consumer reports

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. '' Experian is a consumer reporting agency 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 agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( 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. Experian is not maintaining reasonable procedures. 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
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX Balance Owed : {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted transunion, XXXX, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.
Product: Debt collection

I filed a previous complaint against the company XXXX XXXX XXXX. The complaint # is XXXX. They responded saying they were going to stop the collection actions and report to the credit bureaus to remove the debt. They have not done that and not only have they not done that, they have sold the fraudulent debt to another debt collection company whom is now also reporting this debt to the credit bureaus. The new company is " Convergent Outsourcing ''.
Product: Debt collection

This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XXXX - XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Indirect We Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX
Product: Checking or savings account

I opened an account with chase for the {$200.00} bonus as advertised and never received my bonus. I called for about the third time to follow up yesterday ( The last day to receive the bonus ) XX/XX/2020 and the customer service representative gave me the run around saying I had to wait XXXX more days, it was the XXXX time they told me that and I mentioned that and they said I had to be patient ... the first time I had a direct deposit since the XX/XX/2020 as a requirement for the bonus.
Product: Mortgage

I obtained a mortgage with America Wholesale Lender on XX/XX/XXXX. The loan was later sold to Countrywide XXXXXXXX XXXX XXXX XXXX which was acquired by Bank of America in XXXX. Even though I have paid off the mortgage in XXXX, Bank of America/Countrywide XXXX XXXX XXXX has not released the lien the company still has on my house. 

I have contacted Bank of America several times in the past to have the lien released. Specifically, I called the company on XX/XX/XXXX, and XX/XX/XXXX, to fax them a copy of the Deed of Trust and a letter from Countrywide XXXX XXXX XXXX XXXX confirming that my mortgage was paid off in XX/XX/XXXX. Until today, nothing has been done on my request and my most recent calls to the company went unanswered.
Product: Credit reporting or other personal consumer reports

Security Credit Services violated both U.S. Code 6802 and the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681, which guarantees fair and accurate credit reporting while offering protections to consumers. The failure to provide an opt-out option for the charge-off report restricts my control over my personal credit information. 
Additional violations include : U.S. Code 6801 ( Protection of Nonpublic Personal Information ), which mandates standards to safeguard consumer information.

U.S. Code 6803 ( Disclosure of Institutions Information-Sharing Practices ), requiring disclosure of privacy policies and any opt-out options available.

Under 15 U.S.C. 1681, institutions are also accountable for non-compliance, which can result in a penalty of up to {$1000.00} per violation. Due to Security Credit Services ' failure to comply with opt-out provisions and fair reporting practices, I request enforcement of this penalty to rectify the harm done.
Product: Payday loan

I have asked the creditor/collection agency for a itemized statement as they were stating I owe {$500.00} and the owner of the loan is stating {$1500.00}. That is a huge difference. I still have not received the itemized statement for my payments that I have made.
Product: Debt collection

I am filing this complaint against Aldous & Associates, a debt collection agency that is trying to collect an incorrect and unfair amount from me for a gym membership. On XX/XX/2023, I received a notice from Aldous & Associates stating that I owe {$200.00} for the gym membership. This amount is incorrect and does not reflect my agreement with XXXX. The actual amount is {$120.00}. I have proof of my agreement with XXXX, my actual owed amount on the XXXX app, and the notice from Aldous & Associates. I have tried to contact Aldous & Associates by phone several times to dispute this amount and request validation of the debt, but I have never been able to reach anyone. Their phone number always rings busy or goes to a full voicemail. This is unacceptable and unprofessional. It violates my rights under the Fair Debt Collection Practices Act and causes me undue stress and inconvenience. I request that the Consumer Finance Protection Bureau investigate this matter and take appropriate action against Aldous & Associates. I also request that Aldous & Associates stop contacting me until they provide me with a written validation of the debt and correct the amount they are trying to collect from me. Please send all future mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Or contact me at XXXX / XXXX Thank you for your attention and assistance
Product: Credit card

Citi card closed my account because it went over the limit due to interest charges in excess of {$24.00}. I have always made my payments on time except for the month of XX/XX/, and still continue to make payments on time despite account being closed without any reason or notices. 
I called Citi Card to ask for reason why the account was closed due to it saying closed by Creditor and they said I needed to call the credit bureau. I called Credit Bureau and they told me Citi Card closed the account, and all I can do with them is create a dispute for this action. I received a notice from XXXX that stated that the account was closed due to reaching limit but never made a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to notify the Bureau of a letter I, XXXX XXXX, received from XXXX XXXX XXXX dated XXXX. XXXX, 2019 advising that a request for an increase in credit limit based on credit reporting info. from Trans Union had been denied. My problem is two fold : 1. I, XXXX XXXX did not ask for an increase in credit limit. I have since contacted XXXX XXXX XXXX who advised me that someone had fraudulently made that request online. Every time someone makes an inquiry about an individual credit, it lowers their score. Problem 2.  Trans Union and other credit reporting agencies are assigning credit scores based on fraudulent information. They and other agencies need to make sure the information they're basing an individual credit score is based on information that came directly from the customer and not someone who is evidently trying to commit credit card fraud. My credit score has plummeted from XXXX to XXXX in the last few months and it has to be because of activities by people other than myself. Why would my score go down so dramatically in just a few months when I have all the same accounts, they're all current, paid ahead of the due date, and I usually pay more than just the minimum payment that is required. I guess my biggest question is why is Trans Union and others allowed to report adverse information on people based on fraudulent information???
Product: Credit card or prepaid card

Dear Sir/Madam I submitted my payment to citi cards on XXXX/XXXX/XXXX through my on line payment. My citi card account number is XXXX for the amount of {$590.00}. When I made my payment my bank ( chase ) had different address for citi cards so it went into a different account. This a/c was my wife 's a/c which was closed due to credit consolidation. That a/c number is XXXX. I contacted the citi card member and they said it will take 30 days to resolve this issue. I called after 30 days and they said they have not heard anything about this issue and they are going to make new inquiry and it will take 2 more weeks. I waited for 2 weeks and called them again and they said again there was nothing noted regarding this matter and they want to start a new inquiry and will return my money after they check it. Kindly help me regarding this matter. They are calling me about not making a payment but I already made a payment on XXXX/XXXX/XXXX. 

Transaction Information : Biller ID : XXXX Payee Name : XXXX XXXX XXXX XXXX # : XXXX Payment Amount : {$590.00} File Transmission Date : XXXX/XXXX/XXXX XXXX PM Payment Effective Date : XXXX/XXXX/XXXX Trace Number : XXXX Transaction ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my consumer report. It has been well over XXXX days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

On XX/XX/23 I have asked the company XXXX XXXX XXXX to remove a negative balance of XXXX dollars from my credit report. I have sent letters and complained about improper use of this information on my credit report. I would like this discrepancy to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I applied for an extension of credit from Wells Fargo. They discriminated against me and denied me credit. I filed a complaint with CFPB in which I demanded my civil penalty provided for violations. On XX/XX/2023 Wells Fargo replied that they complied with most of the banking laws and insisted that they were not going to pay my self-imposed civil remedy. 
Here is a link to FTC webpage that cite the was to discriminate : https : //consumer.ftc.gov/articles/credit-discrimination It's been my experience that most financial institutions will pick and choose which laws they wish to follow, especially Wells Fargo.
Product: Credit reporting or other personal consumer reports

I am rewriting to complaint to XXXX AUTO about the reported unauthorized inquiries and the inaccurate account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. 

I HAVE MY OWN FUNDING BEFORE I WENT TO THE DEALERSHIP AND THESE DEALERS BELOW WERE NOT AUTHORIZED TO PULL MY CREDIT The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 These companies listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. SBNASELFLNDR account showing opened XXXX. This account shows closed however this account does not belong to me. XXXX XXXX XXXX showing opened XX/XX/ ( Account # : XXXX ) with late payments. I have never been affiliated with this business.