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

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. XXXX XXXX ACCOUNT ENDING XXXX I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Mortgage

I purchased the house in XXXX for {$560000.00} and had no issues paying the mortgage until I was XXXX and my livelihood was taken away from me. 
I filed for a hardship starting in XXXX of XXXX to modify my loan with XXXX XXXX XXXX due to my business being fairly new and income low. 
The current loan and PMi payments are {$4200.00} which also includes taxes. I could have afforded a payment of {$2800.00} to $ XXXX  monthly had they approved by initial request for a modification. Instead they declined for whatever reason. 
We started a second modification process in XXXX, and I submitted a full file with P & L, bank statements, and after a long review in XXXX they declined stating that I didnt make enough money. 
We appealed again in XXXX and they declined. 
In my p & L submissions, I have had the ability to pay the modified loan amount, but the lender declined because I have significant equity in the house My total outstanding loan today is {$570000.00}, which includes 14 months of payments that have not been paid and the house value is {$750000.00}  Declining the modifications is predatory lending because I followed the process and if they had modified the loan in XXXX, I would have been current on all my payments, but they kept delaying it and eventually declining
Product: Credit card or prepaid card

Dear Sir/ Madam, Me and my family had booked our dream trip to XXXX XXXX finally have my family in XXXX meet my wife and XXXX kids after 6 years of marriage. We bought a XXXX XXXX XXXX from their official website which costs {$4800.00} and had saved up for 3 years for that and some cash to spend in our 2 weeks holiday ( staying home wife with XXXX kids made it hard to save ). The flight started with XXXX XXXX from XXXX to XXXX, in which the plane arrived on time at XXXX, we ran out of the plane and headed to terminal 1 from terminal 4 to catch our XXXX to XXXX flight in which we were surprised that the flight had boarded and left at XXXX ( based on XXXX XXXX associate ) we were there at exactly XXXX yet the gate was closed and we were told to go to the XXXX XXXX  counter to try and rebook. Once we got there, we were told that we need to pay over {$4400.00}. We couldn't possibly afford or had been able to pay that or even close since we didn't even have half of that for the whole 2 weeks stay. We spent a whole week in hotels in New York in which spent all the trip money trying to have XXXX XXXX accept their mistake and rebook our flight for different date. Despite that our trip would have been cut in half from 2 weeks to one week yet we still want to make it. I have called every possible costumer service and spent two days at the airport XXXX XXXX counter with no response. I was treated very badly had told by the XXXX XXXX staff to continue my claim with their XXXX number and send feedback in which I did and it didn't help. On Thursday XX/XX/2021 I bought a return flight back to XXXX with the left money that I had in which cost {$1200.00} with XXXX XXXX. Facts to consider : 1- our flight in our ticket and boarding pass shows that boarding time is XXXX and departure at XXXX yet we were refused to board the plane although we were there at XXXX. 2XXXX XXXX response to me that request passengers to maintain 75 minutes before boarding time for international flights yet they had sold me a ticket with connection flight only landed XXXX ( touch down ) and you boarding time at XXXX, that's less then 40 minutes without any travel time from terminal to another. 3- despite the obvious, we were prepared to work with them and pay for ticket change cost yet they didn't want to help and instead on charging so much. I filed dispute to refund charge and bank favored the airlines although the airlines themselves stated that a charge back was proceeded by my Citibank. I called the Citibank over 10 times and had submitted all documents they requested and yet they dont want to proceed with dispute and closed the dispute. please help, we are out of options here, they don't want to issue a refund for our paid ticket.
Product: Credit card

I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in XXXX to three weeks. 

My XXXX XXXXt report shows the following : XXXX XXXX card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/23 XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by XXXX, Equifax, and XXXX on my credit report. The account details are as follows : XXXX XXXX XXXX Balance Owed : {$360.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized credit inquiries that appear on my TransUnion credit report. I do not recognize or authorize the following inquiries : 1. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Contact Number : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  : ( XXXX ) XXXX These inquiries have negatively impacted my credit score, and I would like to request their removal. Please investigate these inquiries and remove any that can not be verified as authorized by me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have sent all the correct information to the credit reporting agencies and the FTC report according to the FCRA. My disputes are not being processed correctly and I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank of XXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX XXXXo enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # XXXX & # XXXX
Product: Vehicle loan or lease

was wrongfully XXXX  and XXXX  at XXXX XXXX, Virginia XXXX under an unsecured XXXX XXXX. After release, I discovered my vehicle had been improperly towed to the XXXX XXXX XXXX XXXX, Maryland. I was advised to contact the XXXX XXXX coordinated XXXXXXXX XXXX XXXX for the XXXX XXXXXXXX Sheriff to determine which facility might still hold some of my personal belongings. Multiple companies, including XXXX in XXXX, XXXX XXXX XXXX in XXXX, and XXXX in Maryland, were involved in the transport of my possessions. The response from one company, XXXX XXXX, contained inaccuracies. One tow company kept my laptop but returned it promptly upon request, while another had five bags and a large duffel bag I purchased at XXXX XXXX on the XXXX XXXX, Virginia Military Installation, which were damaged. Around XXXX XXXX, my vehicle, personal property, and Virginia Plates were stolen and unlawfully transported across state lines. I am now without my vehicle and personal items. XXXX XXXX XXXX instructed me to return my vehicle to its original state location. Despite all charges in XXXX being dismissed, I am still liable for impoundment fees and late charges, which are meant to be covered by XXXX XXXX XXXX. These unlawful incidents have caused significant financial strain. The Finance Company has not assisted in recovering my vehicle and personal property. However, Veterans Affairs and the Veteran Administration are providing support as I lack reliable transportation and necessary credit. A payment system error falsely showed that XXXX XXXX did not receive a payment in XX/XX/year>. I am also dealing with military-related XXXX and a recent XXXX XXXX. I needed a vehicle for my Washington DC Veterans Administration XXXX, and additionally, I was able to rapidly relocate to places that were more secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts over the past 2 years to have this account removed due to fraud from XXXX, XXXX and XXXX. I am constantly being told that this accounts belong to you. No it doesn't it was opened fraudulently, and I have provided a police report to show that my wallet was stolen. Inside my wallet was my drivers license and social security card. Also included were other identifying documents. This is a fraudulent account that needs to be removed from my credit report. 

LVNV FUNDING LLC Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX BANK XXXX A Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX  XXXX BANK N A
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX, i contacted my mortgage company and followed their phone prompts regarding their COVID relief forbearance process. The phone message said their would be no negative credit reporting during forbearance if it was approved. after i few days, i heard nothing from the company until I received a call from a mortgage broker who was helping me conduct a refi for a different home i own. he said the credit report stated the loan was in forbearance and indicated this was a problem and would not be able to do the refi. Under the COVID forbearance/CARES act, there should be no negative reporting, but this mortgage company reports " forbearance '', which is negative in its impact to my ability to get another loan or other favorable credit decisions like passing a credit check for an apartment lease. I asked the company to stop reporting this as forbearance and they said they would not. I said this is stopping me from moving into a new home and refinancing my rental home. the reporting is going against the stipulations and the spirt of the CARES act. I may need to dispute the entire account on XXXX  or end my forbearance with the mortgage  company because it is causing more damage than it is helping.
Product: Debt collection

I requested a validation of the debt with the debt collector. I have no knowledge of this debt. I asked debt collector to remove inaccurate information from my credit report if debt can not be verified as accurate.
Product: Checking or savings account

I filed a return to my taxes. IRS tells me i am to recieve a refund of {$49000.00}. I forward the account number that i believe was the correct one but it appears that it was not correct. 

The IRS using their bank of XXXX XXXX  sent these funds to BANK OF AMERICA. The routing number attached to these funds is XXXX. In my disscussion with BOA, they say the money never was recieved. I have a letter that is from the ( IRS ) XXXX XXXX  that says the the money was sent to BOA. Of course Bank of America has denied every receiving the funds. 

I'm caught in between, XXXX XXXX  say that they have proof that they send it and BOA denies the money ever being recieved. 

BOA is the company that i believe through their error has the money. As of this date no one from BOA will accept any responsibility fo this error. PLEASE HELP. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has reported false and inaccurate information on my credit report. They have reported this information to Equifax and  XXXX  using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wont remove XXXX when I was approved by XXXX when I was approved a XXXX discharge over a year ago.
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.

DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED XXXX , USDOEXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states XXXX. Accuracy and fairness of credit reporting. The Congress makes the following findings : XXXX. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.
Product: Checking or savings account

I attempted to deposit a tax return check using the online tool Citi bank on XXXX XX/XX/2023. I received a notification from the bank on XXXX XXXX saying, " there's been a delay in making the funds from this check available due to : We have confidential information indicating the check may not be paid. '' Not sure how they could get a confidential information on the check. I thought it was unprofessional since this is a government check and should be available. I called to complaint ; the representative told me to deposit the check at another bank. I took his advice and deposited the check using XXXX. Now Citi has closed my account and they will not allow me the fund for 30-60 days in order for them to go through the process. They have held onto my money and are not allowing me access. They did not extend me the courtesy of notifying of closing the account or a chance to resolve the matter. They blocked me from accessing my account and any fund available as I'm going through a house purchase. I believe this matter could have been avoided if they didn't delay due to unknow confidential reason that was probably made up.
Product: Debt collection

CAPITAL ONE BANK USA NA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in JXX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am a victim of identity theft. Today my credit monitoring service alerted me to a collection account that was just added to my credit profile. The collection account is : Midwest Recovery Systems which is a debt collector collection a debt for the original creditor " XXXX  XXXX XXXX ''. 

I have never done business with XXXX XXXX XXXX or heard of XXXX XXXX XXXX. A quick look at my credit report shows zero late payments for any accounts and only one negative account which is this collection account. 

Several years ago my office was broken into and several identity documents were stolen. Included was my driver 's license, my passport and my social security number. I filled a report with my building 's security and then later after my identity was stolen I hired an attorney who had my file a police report. Several bank accounts, credit accounts and even a penthouse apartment lease was executed in my name without my knowledge. All of these accounts have been investigated and removed from my files after outside investigations. 

I have attached a copy of the affidavit of identity theft affidavit and the police report. I have also attached copies of letters from XXXX XXXX XXXX regarding bank accounts opened in my name fraudulently and a letter from an apartment complex where someone had executed a lease in my name without my knowledge, approval or authorization to back up my identity theft claim. All of these documents have contact information on them if any party needs to verify any of the information. 

This debt collector and original creditor may only contact me in writing either through the CFPB portal or through the mail. This debt collector and the original creditor may not contact me over the phone, all communication must be in writing.