23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Bought a third party card ( XXXX XXXX ) so I do online purchases without using my primary bank card.My bank won't allow this function.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already sent a letter to the creditors to remove the late payments and they have not abided by what i requested and they also violated my consumer law because they never gave me the option to Opt out from reporting this information to a third party via 15 us code 6802 XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 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 it's consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information. '' According to the Fair credit reporting act 15 USC 1681 section 602 it states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the consumer. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 and 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 agencies XXXX and Experian do not have any consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, 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 non affiliated 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 conviction of crimes which anteaters the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the laws. 15 U.S. code 1681s-2 ( a ) ( 1 ) 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 1681 e 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 1681 b of this title. '' XXXX and Experian are 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 services.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a recent identity theft incident that has resulted in the fraudulent addition of several accounts and one unauthorized inquiry on my credit report. These entries were made without my knowledge or consent, and I am requesting their immediate removal. 

ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> An official identity theft report has been filed with the Federal Trade Commission ( FTC ), and I request the prompt removal of these fraudulent accounts and the unauthorized inquiry to ensure the accuracy of my credit report.
Product: Vehicle loan or lease

I finance a car with Capital One Auto Finance, it was a XXXX  XXXX XXXX XXXX. XXXX was sued and loss for the faulty XXXX engine. I about the loan, they told me they can not take me to court or sue me for the remainder of the loan called Capital One for more information. 
I will like this account to be removed from my credit report.
Product: Checking or savings account

I was laughed at and ridiculed every time I went inside also they wouldn't provide my acc number so I could set up my direct deposit at my job.
Product: Debt collection

I recently reviewed my credit report collection agency saying I owe them debt when I dont they are also hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  are duplicates of paid loans. Experian during investigations found that dates were invalid and is allowing this to still be marked on my credit report. They are still charging interest on the false loans that they claim to have written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these companies to run my credit. Please remove these inquiries as I have an alert on my profile. Thank you.
Product: Credit reporting or other personal consumer reports

As of today, I have not heard back from you. It has been 32 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you.
Product: Mortgage

Around XX/XX/XXXX, I set up online monthly automatic payments for my mortgage with JP Morgan Chase Bank. On XX/XX/XXXX, then found out that my credit score dropped XXXX points and I investigated why. Turns out that after XXXX setup automatic payments through the online portal, for some reason the money wasn't being taken out and this had a huge impact on my credit score. 

Upon finding out the account was past due on XX/XX/XXXX, I immediately paid the full balance for XXXX and XXXX and became current on all payments. 

I was never contacted by chase via phone or email so I was unaware of the late payment that was due. 

I had more than enough money in my accounts to easily cover the mortgage and would gladly have done so if I was notified, which I was not. 

I am always on time and prompt in payments and have never had an issue as my record will show. 

This was an error in their online payment system and I suffered a XXXX point credit score hit as a result. 

I demand that this late payment be removed from my credit score as this was a result of their faulty online payment system setup.
Product: Checking or savings account

I was robbed I never even had a pin to this day I dont even know they pin I also have a police report and they wont help me or give me any of my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name is XXXX XXXX and I have been a loyal customer with XXXX XXXX XXXX XXXX XXXX ) for more than XXXX years. I have started using their credit card approximately XXXX  years ago. Since the beginning, I used XXXX 's auto-pay feature for credit card which ensures that my payment is on time. However, this XXXX, this feature is magically turned off without me knowing about it. ( I believe it is due to some systematic error on XXXX 's part ). Therefore, from XXXX - XX/XX/2022, I was unaware that I have not been paying my credit card bills as a result of auto-pay being turned off and XXXX did XXXX to inform me of it. I had more than enough money in my debit account to pay for the XXXX dollar bill in my credit card and it is not meant to be delinquent. Once I realize this issue in XXXX, I paid them right away. However, I am now stuck with the late payment on my credit report which are negatively impacting my XXXX XXXX. I explained this issue to them but they keep saying that they are reporting the " truth '' to the credit bureau. I'd like to complain this issue because I believe that there's some kind of systematic error that turned off my auto-pay in which I am not at fault. The resolution for this issue is simple, I hope XXXX can revert the late status on these payments on my credit report.
Product: Debt collection

On Saturday XX/XX/XXXX at XXXX I received a call from Nationwide Credit Inc ( XXXX ) and spoke with a representative. Usually I don't answer unknown numbers but because my Identity has been stolen, I'm receiving calls from Banks in regards to my credit freeze and fraud alert. So I'm answering every call I receive because I don't know if it's a bank or not. I wasn't aware of Nationwide as a debt collector so I did not want to give my personal information to the representative, I said I would call back because I need to verify the information. But the representative became very pushy and aggressive and I told him I don't trust him and I don't know if he's a scammer too so I'll call back. The representative hung up the phone and immediately called me back on a separate line ( fake phone # XXXX at XXXX ) to cuss me out, insult my wife and mother, and make threats against me. It was clearly the same guy because it was the exact same voice and he said he was going to use my information to steal my identity as well. I hung up on him and first verified NationWide Credit as a debt collector and then called them back to report him but the offices were not open because it was the weekend. 
I included documentation showing that they are a debt collector attempting to collect a debt ( I found a correspondence from them ) and screenshots from my phone of the incoming calls, the time of the calls and the duration of each ( which shows he called me immediately ).
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX XXXXXX/XX/XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXX XXXX {$250.00} XX/XX/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 XXXX3
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the unresolved issues on my credit report, specifically the removal of charge-off accounts and inaccurate addresses. This letter marks my seventh attempt to address these inaccuracies, which continue to negatively impact my financial standing and trust in your organization. Despite numerous follow-ups and assurances that the matter would be resolved, the charge-off accounts and inaccurate addresses remain incorrectly reported on my credit file, causing significant distress and inconvenience. I would like to ask further assistance from you to ensure compliance and protection of my consumer rights. Please help me remove the following items : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$20000.00}.
Product: Credit reporting or other personal consumer reports

American Express furnished and published my personal information without my written consent according to 15 USC 1681 section 602, a & 15 USC 1681, section 604A section 2 please take a moment to look at the account that are being furnished, or my consumer report without my permission, and or written consent, and whose rights have been violated.

15 USC 1681 section 6028 states I have the right to privacy 15 USC 1681 section 604A section 2 states, a consumer reporting agency can not furnish an account without my written instructions And in accordance with the fair credit reporting act, the law has been broken, and my rights has been violated Also, I have disputed this matter on multiple occasions, and in each instance, a thorough investigation was not done. Those actions are in violation of the laws outlined in section 611 ( a ) ( 1 ) ( A ) as American Express have neglected to provide the required method of verification as stated in section 611 ( a ) ( 7 ) and furthermore, American Express is also in violation of section ( 5 ) ( A ) of the fair credit reporting act ( FCRA ) by not promptly removing all disputed unverified reportings American Express has also breeched their contract While under dispute, American Express can not collect the amounts in question or report delinquent on any amounts American express continued collection on the amounts disputed and continuously reported negative derogatory reporting to the credit bureaus
Product: Credit card or prepaid card

Attempted activating a Western Union gift card. Made more than 30 phone calls and received a message stating " Call Later '' No one answers the phone. Spoke to more than five people, and no one knows what to do. I had a Western Union representative call a special number, and they got the same run around as I did. I can not activate the card. I received the worst service ever. When someone didn't know what they should have, they hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Correct Credit Report Yo whom it may concern Please consider this a formal request to investigate and correct the following inaccurate hard Inquiry items on my credit report. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Dates of hard inquiries that need to be removed, Company Names & Numbers XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX If you guys need anything from me, feel free to contact me anytime!
Product: Checking or savings account

I responded to an offer from HSBC Bank to open a checking account and receive a $ XXXX bonus. I submitted an application giving all of my private information and the application was rejected on the basis that the bank could not verify my identity. 

I called customer service and they said that there was a final decision by the computer. 

I told the representative that based upon their offer, I submitted all of my private information including date of birth, passwords, bank account numbers social security number addresses etc. and that they took this information fraudulently.
Product: Debt collection

I contact my insurance company I have a letter from my insurance XXXX part a and b and XXXX I'm sending a picture of the letter I received from my insurance company
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Fox Collection Center XXXX XXXX XXXX XXXX, TN XXXX Subject : Dispute of Debt and Request for Validation Dear Fox Collection Center, I am writing to formally dispute any and all alleged debts owed to your agency, account number XXXX, with an original creditor of XXXX XXXX XXXX XXXX. The reported balance on this account is {$240.00}. 
I recently conducted a thorough investigation of my credit report, which caused significant distress due to the presence of unverifiable, invalidated, inaccurate, and questionable information. Consumer reporting agencies are required by law ( 15 U.S. Code 1681e ( b ) ) to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. 
Despite the presence of this disputed account on my credit report, Fox Collection Center has failed to provide the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Furthermore, Fox Collection Center has violated 12 CFR 1006.34 ( d ) and 15 U.S. Code 1681-S 2 ( 7 ) ( A ) by furnishing this account to a consumer reporting agency without providing all legally required disclosures. 


I am requesting the following information within 15 days of this letter : A complete validation of the debt, including the amount, date incurred, and original creditor. 
A copy of the original purchase agreement between Fox Collection Center and XXXX XXXX XXXX XXXX. 
Proof of your agencys licensing and bonding. 

According to 15 U.S. Code 1681i ( 5 ), if you can not provide verifiable proof of the debt within the 15-day timeframe, you must promptly delete this information from my credit report. I expect a timely response to this dispute and the requested information. Please provide written confirmation of the actions taken. 

Sincerely, XXXX XXXX
Product: Mortgage

We have proof of all payments being sent on time from our Bank. Each mortgage statement sent to us reflects the payments being made. We reached out to them requesting a mortgage pay off statement and that is when they advised us they had not received two payments and there are late fees accrueing. Kindly see all attached documents proving all payments made on time since our mortgage was sold to this company. They are refusing to resolve the matter with us directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. 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 also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file
Product: Debt collection

XXXX My husband and I are trying to get a home loan, but PNC bank has reported negative info on our credit report dropping our score to disqualify. After contacting the company directly I got no clear reason or itemization on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a dispute regarding several items on my credit report that are incorrect. On XX/XX/XXXX, I contacted Experian about these inaccuracies, but to date, I have not received a response. Therefore, I am submitting this complaint to the CFPB for further review. 
The following are the items on my credit report that I am disputing : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4700.00} ) account - The reported Balance of {$4700.00} is inaccurate, and I do not recall owing such a high amount. The account is closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I request that your bureau verifies the account, and mark it as disputed until the matter is resolved. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 
COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) account - The Balance of {$1700.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower amount. I dispute the whole account and request that you verify the Date Opened and Date of First Delinquency. 
COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ) account - The information presented on this account is inaccurate. The original creditor on this account is a distinct company than the one you indicate. The Balance of {$2400.00} is erroneous, and I dispute this account. I also request verification of the Date Opened and Date of First Delinquency. 
XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) account - This account is not mine, and I request that you remove it from my credit report. 
XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) account - The Balance of {$470.00} that you report is inaccurate, and I believe it should be a lower amount. This account is closed and charged-off, and the Past Due amount should not be presented. Please mark this account as disputed, and verify the Date Opened, Date of Status, and First Reported. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) account - The Balance of {$1900.00} is higher than the amount I remember owing. This account is closed, and the Past Due amount should not be provided. I request that you report the account as disputed while I attempt to resolve the issue with the creditor. 
XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ) account - The Balance of {$690.00} is higher than the amount I remember owing. This account is closed and charged-off, and the Past Due amount should be removed. Please mark this account as disputed until the reported data is clarified.