23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

XXXX XXXX XXXX XXXX calls twice a day after I told them to stop repeatedly calling me. They leave a voicemail each time. 
Bank is : Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hello i need some intructions i have a personal issue where i have to sell my car that i had a loan with M & T Bank, i sold the car to a Dealer they took around 2 months in do the payment to M & T Bank. I got this reported as late payments on my credit report, the loan is already pay total but i still have that reported on my credit report as with a negative impact on it. what can i do?
Product: Mortgage

I asked if they can review my escrow because the amount that is quoted on my statement is more then what my insurance have on my declaration paper work. They told me to call my insurance company. Which I did. Insurance stated it my Mortgage company that is predicting an amount for taxes and insurance over 12 month period. XX/XX/year> My principal & Interest XXXX. Escrow $ XXXX Monthly payment XXXX. Now : Escrow {$570.00}. My monthly payment should be XXXX. But the mortgage company is adding a predicting of shortage of {$290.00} to my monthly payment which has increase my payment to XXXX, XXXX which I can't afford.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

This is a follow-up to complaint # XXXX, filed during XXXX. When I was notified, after waiting almost a year for a response, that the bank had refunded me for approximately {$3000.00} in NSF  fees, I was pleased and went to my local branch during XX/XX/XXXX to attempt to withdraw the funds from the old, closed account. However, I was informed that the entire balance had once again been taken out. Some of the charges that I was told about ( despite asking, I never got an actual statement or accounting of how my money disappeared again ) appeared to be legitimate transactions that were initiated automatically by various companies that I do e-business with, such as XXXX. However, I was told that my account was emptied of the entire {$3000.00} PLUS, more NSF fees were charged even after that. I expressed disbelief that all of the money was gone and that the account had gone negative again and was promised by the branch manager that I would be emailed all of the details of the transactions, which I never got. So, once again, I am left with nothing. I am astonished that Santander feels emboldened to pull this on me again, but here we are. Please help me to regain the {$3000.00} that was taken from my account, less any charges that can be substantiated as approporiate. Hopefully this time, it won't take nearly a year to get Santander to respond.
Product: Debt collection

I found out from the credit reporting bureaus XXXX XXXX and XXXX  that there was a negative account under " Portfolio Recovery Associates, LLC under account number XXXX. Portfolio Recovery Associates, LLC has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Portfolio Recovery Associates, LLC has failed to provide the information requested. Portfolio Recovery Associates, LLC is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. Portfolio Recovery Associates, LLC has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Portfolio Recovery Associates, LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Portfolio Recovery Associates, LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Portfolio Recovery Associates, LLC possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Portfolio Recovery Associates, LLC shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
Product: Payday loan, title loan, or personal loan

I have stopped payment on this account through my bank as we are struggling financially. 

Afterwards, an unauthorized auto payment is pending on my account for almost XXXX dollars. This is the second time this has happened. I have not authorized the payment and when I have requested it to be canceled, they claim they can not stop it.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inadequate investigation and improper credit reporting practices conducted by XXXX, XXXX, and Equifax in relation to a disputed collection account reported by XXXX XXXX XXXX, XXXX. 

Despite numerous attempts over the past several months to dispute this account and provide evidence proving that the debt is invalid, the credit bureaus have failed to take appropriate action. Their investigations have been inadequate, and they continue to report the account incorrectly. 

Specific Issues with the Investigation : Failure to Conduct a Proper Investigation : Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the credit bureaus are required to conduct a reasonable investigation into disputed information. However, the responses I have received have been generic and automated, simply stating that the account has been " verified '' without considering the evidence I have provided. This failure to perform a thorough investigation has resulted in the continued reporting of inaccurate information. 

Improper Collection Reporting Under Louisiana State Law : The original creditor, XXXX XXXX, prematurely charged off the account XXXX days before the payment due date, violating the agreed-upon terms. 
No final demand letter was sent, as required by XXXX  Revised Statutes XXXX, before the debt was charged off and sold to XXXX XXXX XXXX. 
The debt is now time-barred under Louisianas three-year statute of limitations for open accounts ( Louisiana Civil Code 3494 ), making it ineligible for collection and reporting. 
These violations demonstrate that this debt should not have been reported to the credit bureaus in the first place and should have been deleted upon my initial dispute. 

Failure to Provide Proof of Debt : Despite multiple requests, XXXX XXXX XXXX has failed to provide valid proof of the debt, such as the original purchase agreement with my signature or a complete payment history. Under FCRA 611 ( a ) ( 1 ), if a debt can not be verified, it must be deleted from the credit report. The credit bureaus have ignored this requirement, allowing inaccurate information to remain on my reports. 

TransUnions Failure to Delete the Account : XXXX recently marked the disputed account as " closed '' rather than deleting it entirely. This is unacceptable and does not resolve the issue, as the account should not exist on my credit report at all. Merely " closing '' the account does not address the legal violations associated with its reporting. FCRA 611 ( a ) mandates the deletion of inaccurate or unverifiable information, not just its closure. 

Violation of My Consumer Rights : The continued reporting of this invalid account, along with the credit bureaus ' reliance on automated systems for their investigations, has caused significant stress and hardship. Their failure to conduct a proper investigation and correct the inaccuracies on my credit report is a direct violation of my rights under the FCRA
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these items have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed a copy of credit report and noticed I had a fraudulent account on my report. Please remove this fraudulent account off of my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 Business Days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$880.00}, {$0.00}, {$1100.00}, {$1500.00}, {$900.00}, {$1600.00}, {$570.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account.
Product: Credit card or prepaid card

i have been harassed by comenity bank i let them know i did try making a payment and it didn't go through fast enough and that they would indeed have to wait until i have the funds to pay them. i said when i have the money you will get paid, and they have called me at least 50 times a day trying to collect a payment : ) i owe only XXXX dollars left on the closed account and at this time its harassment. please email me for pictures of my phone log : )
Product: Credit reporting or other personal consumer reports

This is my 8th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

It seems as though after a long process of Capital One supposedly investigating fraudulent charges on my credit card account ending in XXXX, they did not conduct the proper investigation. Instead of investigating fraudulent charges on my account, as I reported to them in XX/XX/XXXX-XX/XX/2019, by telephone, they investigated that my card ( ending in XXXX ) was opened in my name fraudulently ( see letter from them attached to this report ). I reported to Capital One in XX/XX/XXXX/XX/XX/2019, by telephone ( on a recorded call ), detailing each charge/date/and amount that were fraudulent. I never told them that the card was opened in my name fraudulently. Capital One has all the charges/dates/and amounts that I provided to them, on a recorded call. Also, in writing, on their Identity Fraud Information Form ( that they sent to me and was confused of why I was receiving a fraud identity form ), I hand wrote on the form that, " no one sought credit in my name, but that my accounts were used fraudulently '' ( see attached form that was faxed to XXXX/the fax number they provided to me ). I tried reaching XXXX several times to follow-up on the form to ask him why I was sent that form, but he was never available. Also on that form, I checked the box that I did not authorize anyone to use credit in my name, and next to each line, I wrote that these items pertained " according to my disputed charges '' - which also should have let them know that I spoke of charges and not a card being opened in my name ( see form attached that was sent ). Capital One should also know that I did not report that my account ending in XXXX was opened fraudulently because I had been paying my bill monthly, for over 3 years and up until XX/XX/2019. They can check their records. 

For over a month, I had been trying to follow-up with my investigator named XXXX to receive an update on the investigation ; however, my phone calls went unanswered, or I was told that he was not available and no other representative would provide me with the progress. If I had been provided an update on the investigation, I could have informed him that he was conducting an incorrect investigation. 

I would like for Capital One to conduct the correct investigation of fraudulent charges on my card ending in XXXX that I reported to them, on a recorded line, in XXXX/XXXX, in which I listed each charge/date/and amount.
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 {$15.00} usc 1681 section 602 a. States i have the right to privacy.

15 USC 1681 604 a section 2. It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card with CitiBank. The application was denied and I contacted them and asked why and they said I had a bankruptcy still showing. They suggested that I call XXXX  and follow up. I did so and there is no bankruptcy showing on my credit report and I verified by the copy I recieved yesterday in the mail. I contacted XXXX today and the again assured me I have no derogatory information on my report and i verifed the other 2 agencies and the same thing applies. I spoke with CitiBank yesterday and they pulled my credit report again and said it is still showing up. Please advise XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an unsolicited Visa Signature credit card from XXXX with a credit limit of {$5200.00}. I did not ask for it, and neither did my wife. I'm sure they checked my credit report before sending it to me, which negatively impacts my credit score. I called them to cancel the card, and told them that I would be reporting this to you guys. They said they couldn't cancel the card without me providing them my home address and last four of my Social Security number. I don't want to give these people ANY more of my personal information. I provided them the card number that they sent to me, and the city that I live in, but they said they could not cancel the card without verifying the full address. I'd like to file a complaint with you about their illegal and unethical business practices, and let you know that I have shredded the card and all accompanying material.
Product: Mortgage

XXXX/XXXX/2015 Payment XXXXBank of America, N.A. XXXX TX XXXX $ XXXX is a copy of the transaction, I paid {$280.00} to bank of America on XXXX XXXX, 2015 after they billed me XXXX, XXXX, XXXX, XXXX for total {$280.00} which, I tried to explain each time that I called to let them know, this account had been settled in XXXX br discharged XXXX 2015. They reported each of these months on my credit report stating that I was not paying. I only paid out of XXXX from harrassement. 
I called bank of am and spoke to several reps who did not try to understand the XXXX heloc was included in the bank ruptcy. They began billing like this was a new account. 
Please refund {$280.00}. 
hic
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$5700.00} XXXX XXXX XXXX XXXX  {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to transunion dated XX/XX/2023 it is now XX/XX/XXXX and I have yet to hear a response to from them. The FCRA clearly states that no more than 30 days it should take for a response, I would like for transunion to delete these disputed accounts which I will indicate below