23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are incorrectly reporting a collection on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been served regarding this account and the account is also currently being reported on XXXX XXXX and consequently should NOT be reporting on my credit report. I was also told this collection account would not appear on my credit report. I was not aware this account was showing as a collection until I obtained a current copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report and disputing inaccurate reporting from the alleged account XXXX XXXX XXXX ; XXXX continues to violate my rights. no proper and accurate investigation has been completed on my behalf as requested. Credit Reporting Agency continues to damage my Character and has caused a great amount of discreditability to my name. Equifax and XXXX continue to report errors such as different dates of last active on account and have not provided proof of investigation for accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian credit companys have accounts not set up by me they was open under my info after loosing wallet with ssc in it as well only account I have open for myself is any open credit card accounts first premier being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm XXXX these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XX/XX/90
Product: Checking or savings account

My problem is linking my PNC account to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report for auto insurance is showing false info that need to be deleted. Its coming up under reference number. 
XXXX @ XXXX. 

This is causing my auto insurance to be very high. 

Your help is appreciated.
Product: Credit card or prepaid card

My wife and I had open our XXXX chase card XX/XX/XXXX, After they recently changes the free annual night has left off a gap from customer that would of never received an uncap night due to your recent change. It is greatly disappointing and unfair that a small pocket of loyal customer that will never get an uncap night since their rule exception for XXXX - XX/XX/XXXX customers. It should be extended to include any applicant from XX/XX/XXXX to XX/XX/XXXX to cover that small group that original applied to the card expecting a uncap night per the terms. 

This was the exact terms - After your account anniversary date, youll receive an Anniversary Free Night at any of the over XXXX XXXX hotels worldwide.1 Footnote There are no blackout dates and no restrictions. Look for your free night on your XXXX XXXX XXXX account. 

https : //www.chase.com/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX Account number XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX TransUnion : XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I do not give your company permission to share, sell, release or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any third-party affiliates ( XXXX, Equifax, XXXX ) violates my privacy. The information you have furnished is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. CRAs have a responsibility to protect the privacy of the personal financial information of their customers and consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife earlier this year after the birth of our XXXX daughter and things have been really tough for me and my girls and to find out I have this now on my list is really heart breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit.
Product: Credit card or prepaid card

I applied for the capital one quicksilver card this morning. Unfortunately I was declined. On XXXX XXXX   my score was XXXX XXXX and XXXX XXXX before the inquiry. Capital one is the only bank to decline me. I have good income, no credit card debt, and excellent credit but this bank will not approve me. I was suggested to apply but was declined by this bank for the second time this year. This is the only bank who treats me this way. I call them to try to fix this and they transferred me around 5 times and I got no resolution. Then I came to the cfpd. I feel this company is unfair and I am being mistreated. Please help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Fact, affiant is aware and has proof in attachment labeled Exhibit A that Carmax XXXX XXXX, XXXX d/b/a Carmax is in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charged the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Carmax XXXX XXXX XXXX XXXX XXXX Carmax did not include my insurance in my finance charge. 


Fact, affiant was not given the option to include insurance into the finance charge, and was threatened by penalty of withholding the vehicle to provide proof of insurance before leaving the dealership. 


Fact, affiant is aware and has proof in attachment labelled as Exhibit A and Exhibit B that Carmax XXXX XXXX, XXXX d/b/a Carmax is in violation of 15 usc 1611. Carmax XXXX XXXX XXXX XXXX d/b/a Carmax willfully and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable. 


Fact, affiant did not receive any forms nor received any clear or conspicuous disclosure of the right to rescind the transaction pursuant to 12 CFR 1026.23 ( b ) 1. See Exhibit C Notice, it is fact that affiant is aware, in the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited only to a principal dwelling, but any contract which includes a security interest, the obligor shall have the right to rescind the transaction until the midnight of the third business day following the consummation or the day the agreement was signed. The rescissions forms are required and must be delivered together with a statement containing the material disclosures required under the Truth in Lending Act. In addition, the creditor must clearly and conspicuously disclose in accordance with regulations of the consumer Financial Bureau. 

Take notice that I also revoke, cancel, and make void from the beginning all powers of attorney, in fact, in presumption, or otherwise, signed either by me or anyone else claiming to act on my behalf with or without my consent as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, " governmental '' departments, agencies or corporations on the grounds of constructive fraud, concealment, and non-disclosure of pertinent facts.
Product: Credit reporting or other personal consumer reports

During my time as a XXXX XXXX  victim, unauthorized accounts and credit inquiries were opened using my personal information without my consent. For example, on XX/XX/year>, a fraudulent inquiry was made by XXXX XXXX, and on XX/XX/year>, unauthorized inquiries were made by XXXX XXXX. Additionally, incorrect personal information, such as previous addresses and employer names, was added to my credit report. 

I have taken steps to dispute these inaccuracies by providing documentation, including a police report and evidence of my victimization. I request that these items be thoroughly investigated and removed from my credit report to restore its accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, XXXX XXXX XXXX, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
XXXX5 U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) XXXX 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 XXXX years. 
XXXX U.S.C. XXXX ( 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

I am writing to formally request validation of the debt that you have contacted me about, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX09 ( b ), 15 U.S.C. 1692g.

Please provide me with the following information to validate this debt : 1. The original creditors name and address. 
XXXX. The amount of the debt, including an itemized breakdown of any fees or interest. 
XXXX. Proof that I owe the debt, such as a copy of the original contract or agreement signed by me. 
XXXX. A complete payment history, starting with the original creditor, to verify the amount owed and any interest or fees applied. 
XXXX. Proof that you are licensed to collect debts in my state, including your licensing number. 

Please be aware that under the FDCPA, I have the right to dispute the debt within 30 days of receiving your initial communication. Until you provide proper validation, I request that you cease all collection efforts, including reporting this debt to any credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX, XXXX XXXX XXXX {$4500.00} XXXX XXXX, XXXX. 
15 USC 168.1b XXXX XXXX XXXX XXXX and XXXX XXXX  I did not saying that the credit bureaus XXXX XXXX XXXX XXXX XXXX or XXXX need to have written instructions to add accounts on my credit report and I would like these accounts removed from all XXXX credit bureaus as soon as possible.
Product: Credit card or prepaid card

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Hi, My problem is with Walmart/Synchrony Store Credit  Card. 
I was promised a {$25.00} statement credit for signup. That never happened after signed up. Thats problem # 1. 

Now the credit are repeatedly assessing $ 50+ late fee every month after payments above minimum required was shown in online statement. Also, automatic payment was also setup to automatically make payments. 

The fraud of this store card is that its limited to {$100.00} credit limit. Yet they were creative in popping my balance with fees to above {$100.00} limit. 

I spoke with a manager over the phone and she's seems unwilling to help or even acknowledge the erroneous fees with a " XXXX u '' attitude over the phone. I ask them to freeze all activity while investigating it. Yet they refused and then ruin my credit report score after the phone call. This store card unit is very vicious and fraudulent. 

I respectfully seek the help of the CSFB to rectify all the problems here. 
# 1. Remove all the erroneous late fees and continued fees after call to manager. 
# 2. Remove all negative erroneous entries on my credit report after call to manager. 
# 3. Assess heavy regulatory fines on to this organization that creatively make financial problems for consumers.

# 4. Where is my statement credit for signup.

# 5. Close this card that still continue to negative financial things after talking to manager to cease and desist all these activities. 


In relative context, I have other credit cards that have limits much higher than this {$100.00} store card ( Walmart/Synchrony ). This organization 's store card is problem pit and should be fined heavily and removed from consumer markets. They got my attention and I am putting effort in fix it and tell consumers not to patronize this.
Product: Mortgage

Member Mortgage Services serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XXXX of XXXX of XXXX of XXXX. The mortgage loan has been recorded in the XXXX System with the mortgage identification number of XXXX. 
Since we did not have any legal business relation with this bank I need to know the following information : 1. Was Member Mortgage Services licensed as a mortgage loan servicer in Texas in XXXX? 
2. Who was the borrower of the fraudulent mortgage loan?

3. When was the mortgage note executed?

4. When was the mortgage loan account opened and when was it closed?

5. Who is the lender of the fraudulent mortgage loan?

6. Has there been a deed of trust executed in XXXX County or anywhere else for this mortgage loan? 
7. What was the loan amount of this fraudulent mortgage loan? 
8. What type of mortgage loan was it ( FHA, VA, Conventional etc? ) https : //www.membermortgage.com XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , MI XXXX Since this was a fraudulent loan and was issued against our property, I believe we have the right to know all these information with evidences for any claim against the fraudulent lender for this loan.
Product: Debt collection

Before the student loan COVID pause, I was enrolled in autopayment through an old bank account. Before the start of repayments, I turned off autopay and removed the old bank account linked to my account on XX/XX/2023. I planned on taking advantage of the on-ramp policy and starting my payments later ( XX/XX/2023 ). 

Despite receiving a confirmation email confirming I was no longer enrolled in autopayment, Nelnet still withdrew from the old bank account on XX/XX/XXXX, XXXX me to be overdrawn. I have not used that account in years. 

When I try to get in touch with Nelnet, I face incredible wait times. In fact, I am typing this message while on hold with Nelnet. I've been on hold for 4 hours now.
Product: Checking or savings account

XXXX stolen XX/XX/2020. Cash app acct was taken over ( cash tag/email/phone changed so i didn't know it was accesed and locked me out of account ) reported this a few days later when i realized the acct was empty. Cash app did nothing about unauthorized transactions, kept me out of account until it was too late to dispute charges. I can not get any details of transactions that would've enabled me to dispute thr charges eith the merchants. I lost about {$700.00} and information on parties responsible for fraudulent charges. I was let into my acct recently after they accepted my IRS stimulus checks and I posted many negative reviews and complaints online
Product: Credit reporting

I went through the online process to get my credit reports. Ireceived the report from Experian but when I started the processto download the XXXX report, I lost connectivity with the websitewebsite. How do I access my request again. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received notice from credit monitoring that Citizens Bank reported me 30 days late for a direct deduction of loan payment from my personal account. I immediately called customer service, and explained that although the account in question ( XXXX XXXX XXXX ) did not have adequate funds, I had several others from which it could have been drawn, and would have expected a notice that there was a problem before being reported ; I was told to submit an inquiry to the credit department, and I would hear back in 30 days.I did, and never heard back. Most recently I send an inquiry to XXXX XXXX at Citizens, and have not heard from him either. 
I have been with the bank with no issues for over 20 years ; every other bank or loan co notifies me if there is an issue with a payment of any kind. Citizen bank did not notify me at all, and this could have easily been taken care of without damaging my credit without prior notice. I would ask that they remove the derogatory posting, for not following normal notification process.
Product: Checking or savings account

In XX/XX/XXXX, I opened an UTMA Minor Savings account with First Republic bank. I just found out that my son 's account has been charged $ 25 monthly fee since XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, XXXX Bank said it is their fault bank system error. 

On XX/XX/XXXX, they said they can only reimburse 8 months out of the 25 months fee. They do not want to reimburse the 17 months of fees {$420.00} total, even they admitted this was their fault. They mentioned FDIC have to handle this {$420.00} dispute and reimburse. 

I have another XXXX XXXX XXXX account for my other kid, but never got charged a monthly fee. The accounts never needed a minimum balance as well. So it has nothing to do with insufficient funds. 

Not only my son has lost his money due to First Republic 's system error, he also loss the interests accumulated during those 2 years. And I don't even know how much interest need to be reimbursed, small amount, but the most concern is the {$420.00} fee I would like to get it back. 

This was the First Republic Bank XXXX XXXX XXXX XXXX, NY, NY XXXX refused to handle this dispute and reimbursement of my XXXX XXXX XXXX son 's XXXX XXXX XXXX XXXX. They planned to close their branch sometime in XXXX XX/XX/XXXX, thus would like to resolve this as soon as possible. 

As a mother, I am furious with First Republic Bank and although it is not a big amount, but {$420.00} is a lot of money for a XXXX XXXX XXXX and it is rightfully his. 
First Republic Bank should have empathy and not be robbing a XXXX XXXX XXXX kid out of his piggy bank.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of spcific infrmation in my file. The items I ned removed are detiled in the attached report. I am a victim of identity theft and did not make the listed charges. I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please process the deletion of these items as soon as possible.