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

There are several accounts being reported on my credit report. I do not know any of these companies, I have never done business with any of them. These collections companies do not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX # XXXX - Opened on XXXX/XXXX/2021
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

The mortgage company approved me for the forearance program due to covid then they report the late payments to the credit report I have now payed my mortgage off so now i would like the late payments to be removed useing code 15usc 1666B.. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is well aware of my XXXX XXXX and they continue to report on my credit report delinquency bringing down my credit score. They are well aware that they are included in the XXXX  XXXX and maliciously continue to report that i am behind. My payments go to the courts. They refused to acknowledge this with XXXX.
Product: Credit reporting or other personal consumer reports

I signed a lease release agreement form with my apartment management team. She insured me that I owed nothing but it is on both my TransUnion and XXXX report as a collection of owed debt. It is now DELETED from my XXXX report. I want the collection removed from both reporting bureaus, especially with me having signed documentation. I have disputed with all parties and need this DELETED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute For XXXX XXXX XXXX  ( XXXX XXXX. I explained to equifax that XXXX  XXXX  XXXX  did not give me a 20 day notice the right to cure debt. Its a south carolina state law that a bank must notify the consumer in writing the right to cure. XXXX XXXX never showed any proof they sent me the notice within 20 days of the repo. My rights was violated by XXXX  XXXX. I was never given the right to redeem my belongings which the law requires. I purchased a Engine warranty for the car, the engine fail in the car and they wouldn't replace it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account name XXXX XXXX account number XXXX.I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely XXXX XXXX
Product: Credit card or prepaid card

I contacted capital one through phone to talk to them about the financial hardship I was going and have recently been going through, I was struggling bad and I wanted to see what I could do to work with capital one about my late payments that would occur, the capital one rep said there was nothing they could do to help me. I had a XXXX XXXX in XX/XX/2017 and I've been a single dad since, it was my XXXX XXXX and I made consistent payments all up until his birth. I worked hard and I got on track for a couple months, I then contacted capital one again by phone 3 separate occasions about my financial hardship with having to provide daycare for my son without any help, which is very expensive. The capital one rep proceeded to batter me for payments on the phone and said without a payment they will close my account! I'm just trying to be a good father
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX However, they stated everything was complete and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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 card

I was starting my clothing line brand so I purchased over {$3000.00} worth of clothes and shoes from a vendor from XXXX via whatsapp. I did receive some items but not all items due to them not shipping and them not having any of the items I requested and already paid for in stock. I waited awhile and still haven't received my items I contacted the seller they stated that they were going to send out the items an also that they sent out everything from my order. I reached out to the seller again and no response then I filed for a dispute with my capital one card XXXX. They refunded me my transaction and then I sent over the correspondence of the messages between me and the vendor. They asked for additional proof that I didn't receive the goods and the messages states that the seller did not send over all the goods. Then Capital one asked for a itemize breakdown of all the items not received I sent it to them via mail they said they didn't receive it and I sent it via email XXXX the first XXXX they said they did not receive and the second email they said it was too late. They placed the money back on my account and stated that its too late to do anything now, eventhou I showed the proof that I did not receive all my items. I am now out of a job and they closed my account due to non payment within XXXX XXXX and they closed my XXXX XXXX card which was not late on any payments or anything.
Product: Checking or savings account

Chase Bank is allowing handwritten checks, made out to me, from other states to be cashed, from different unknown people. All the checks are being cashed at one specific bank., all the checks are made out for the same amount of {$3500.00}, in the same month just days apart. On check was on XX/XX/XXXX and another on XX/XX/XXXX. They give a person or persons impersonating to be me {$3500.00} in cash then Chase takes the {$3500.00} out of my account due to a return checks or account closures. I live in Texas and these checks are being cashed in XXXX XXXX, Illinois at the Chase bank on XXXX XXXX XXXX XXXX. Thiis specific location can not be reached by phone every time I have called this location all their calls are routed Chase call Center. I filed a claim saying this is fraudulent and they tell me they will refund my money once an investigation is complete. The first time this happened it was on XX/XX/XXXX, I noticed a withdrawal in the amount of XXXX for a check written on XX/XX/XXXX, reason being that the account of which it was written from was closed. The second time this happened was on XX/XX/XXXX in the amount of {$3500.00} reason being that the check was returned, and this check was written on XX/XX/XXXX. The first {$3500.00} was refunded to my account on XX/XX/XXXX. The second {$3500.00} is still being investigated. Which should not be hard both checks although from different people have the same handwriting, were cashed at the same bank, in the same month, yet they still allowed it. I froze the account which is a major inconvenience and closed my business account with Chase. When I requested to close my personal account, the fraud is being committed on I told by the Chase claim department that I can't because they are not sure how many checks were cashed and if there is no account to withdraw the return/closed account checks from that they would file the money on my credit report. How hard is it see how many checked were cashed at this location to my account, instead of taking my money and treating me unfairly. There are camera and stamped times with identification numbers to identify who is doing this, yet nothing is being done by Chase to prevent and protect me from these fraudulent activities.
Product: Credit reporting or other personal consumer reports

I have tried to have this late payment removed before and the company still has not helped me. Can you please look into this matter for me? The inaccurate reports are causing me financial hardship, as the late payments being reported were not me and need to be fixed immediately! Please help!!!
Product: Money transfer, virtual currency, or money service

In XXXX of this year, I posted an advertisement on a XXXX online forum, offering my room for rent during the summer vacation. On XX/XX/XXXX, an individual named XXXX XXXX sent me an email and expressed her interest in renting my room. She proposed sending me a check as a deposit in advance. 
However, my landlord later informed me that he preferred not to rent the room to individuals other than XXXX nationals. So, I had to tell XXXX that I could no longer rent the room to her. But she told me that she had already mailed the check in my name and requested me to withdraw the check and transfer the funds to her via XXXX. I agreed her requirement without thinking too much. 
And after that, I received XXXX checks from her. The first one I received on XX/XX/XXXX was with the amount of {$3300.00} which was far more than the deposit of the room. I withdrew that check, but that check was placed on hold in my account very soon. Because it had never been added to available account, I didnt transfer it to XXXX XXXX XXXX And she told me that there was some problem with the check, and she would send me another check later. On XX/XX/XXXX, I received another check. This time the check amounted to {$3700.00}, which I promptly deposited into my BOA XXXX Bank of America ) account upon its arrival. 
Here is the key issue. In the morning of XX/XX/XXXX, shortly after withdrawing the funds, the BOA mobile app displayed the check amount as available in my account, without any indication of it being " processing '' or " pending. '' Confident that the money had been successfully deposited, I proceeded to transfer {$3500.00} to XXXX XXXX XXXX. 
But later that same afternoon, the BOA app showed that the funds from that check were on hold. It was at this moment that I realized I had fallen victim to a fraudulent scheme and that was a fake check. Without delay, I contacted the customer service departments of Bank of America and XXXX, requesting the suspension of any transactions related to XXXX and reporting the incident to the authorities. Initially, BOA issued a temporary credit of {$3300.00} ( which is the amount of the first check ) and assured me that they would conduct an investigation before deciding on further compensation. 
After a few months of investigation, I received the results of their investigation on XX/XX/XXXX, which claimed that they were not at fault and subsequently reversed my temporary credit of {$3300.00}. I have attached the letters containing BOA 's investigation results for your reference. I firmly believe that their investigation failed to address the crucial point that Bank of America informed me that the check amount had entered my available account balance before verifying the authenticity of the check. It was only after receiving this confirmation that I proceeded with the transfer, trusting that the funds were legitimately available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transunion both have a debt listed on my credit report as " XXXX XXXX XXXX  '' or " XXXX ''. These are medical debt that have previously been removed from my report and marked as identity theft -- The original creditor, XXXX XXXX, was informed and subsequently removed the accounts from my report. 

However, the debt was sold ( again XXXX and now the new debt collection agency ( XXXX XXXX listed the items on the credit report. When attempting to dispute the items XXXX  correctly removed the debts, but Transunion and XXXX both XXXX  verified the information as accurate ''. 

In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did they not provide this documentation -- they simply left the information on my report. 

This is also a potential HIPAA violation. Providing said documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is!
Product: Credit reporting

Hi Sirs, I ca n't get my credit report that 's why I got denied from credit card companies. Here is my information. 
Thank you, XXXX XXXX
Product: Checking or savings account

I have the legal authority as a interested party and I have standing as XXXX 's wife to inquire about the lack of proper endorsement where it concerns his paper check payment for a certified transcript of marriage from the XXXX XXXX. Both XXXX and XXXX XXXX XXXX  are shielding themselves from answering the question. Since Wells Fargo Bank does transactions for the XXXX XXXX ( income tax refunds ) for which check XXXX would have been received if cashed, I would like to know if check XXXX was received and deposited with the XXXX XXXX? XXXX XXXX  provided the check image which clearly shows a prima facie violation of Check 21 act as there is no check endorsement. I am a interested party and I have standing as XXXX 's wife to inquire about the lack of proper endorsement where it concerns his paper check payment for a certified transcript of marriage. Note the marriage transcript was sent eight months after this check was issued. Can Wells Fargo explain what happened with my husbands check?
Product: Money transfer, virtual currency, or money service

XXXX XXXX, I would like to report a fraudulent XXXX transaction from my Bank of America Account made on XX/XX/19. The individual ( transferred to ) goes by the name of XXXX XXXX and his phone number is XXXX XXXX XXXX XXXX. I have also reported this case of fraud to my bank however was sent a denial letter stating that I gave this individual my account details. This is not true. The amount of transaction is {$1500.00}. In case you would like to reach me my number is XXXX XXXX XXXX XXXX Thank you-XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified two reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ). 

For the account ( account name : XXXX XXXX and number : XXXX ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time. 

Thank you for your prompt attention to this matter.
Product: Credit card

I discovered a Paypal Credit account on my credit report over 6 months ago that I did not open. I have called three times and spent over 3 hours on the phone trying to get the account closed. Each time I have assured it will be taken care of, and each time I receive a new statement with the balance transferred to a new account. I have a letter from XXXX bank dated as far back as XX/XX/XXXX stating they will close the account, and I received yet another statement dated and XX/XX/XXXX for {$5500.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Charge off XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$13000.00} Charge off XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$11000.00} Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Late/Closed XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} -Late/closed XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Open
Product: Money transfers

I submitted a ad on XXXX for a XXXX ticket that my daughter at last minute was unable to attend. Someone with the name of XXXX XXXX purchased this ticket from flordia. A month later I received a message stating the ticket was no good. I contacted XXXX to verify that it was good and have the email from them stating this. XXXX XXXX image states ok my bad ill check again next month when I go. The second month I get a email from pay pal stating that he did a reverse payment dispute with his credit card company. I feel he has done this to many people defrauding people credit cards companies and so forth. As he seems to be a reseller of tickets I do n't know if this is even the right people to contact about this or not
Product: Student loan

Trying to refinance my student loan to a lower Graduated Payment plan, and it's been over XXXX weeks, can't get a hold of service rep, only once and they apologize for taking so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, including my social security, driver license was stolen from equifax. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my educational loans have been forgiven/discharged but the credit bureaus still list XXXX them on my report as unpaid. 
I have disputed charges on my credit report with all three credit reporting agencies and when they investigated they said the info was correct and the account stays the same. They claim that they have verified the info through the Dept of Education or XXXX. This is not true because I have a letter of discharge and I have called every department which all have confirmed the same info of my loans discharges having a XXXX balance. This is unfair, unacceptable, frustration and illegal! Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a closed account and shows a XXXX of {$3700.00}. 
XXXX XXXX XXXX was reported on in XX/XX/2016, and now states an open date of XXXX XXXX, which is completely false and inaccurate. I have no knowledge of either account.