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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : US DEPT ED Balance details 0 % paid off Balance {$8600.00} Balance updated XX/XX/XXXX Original balance {$8400.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Open account Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$8400.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXXXXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : INSURANCE SELFREPORTED Account # : XXXX XXXX XXXX. Account # : XXXX XXXX SELFREPORTED. Account # : XXXX XXXX SELFREPORTED. Account # : XXXX XXXX SELFREPORTED. Account # : XXXX UTILITY SELFREPORTED. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information '' All three ( 3 ) credit reporting agencies, XXXX, XXXX and Equifax has report different account balance amounts, payment amounts and number of closed accounts on my credit report regarding my Revolving Accounts and Installment Credit Accounts. 

Inconsistencies in reporting can be a negative impact on my credibility for future access to credit cards, mortgage loans, car loans etc.
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Discrepancies and Fraudulent Activity I am writing to formally dispute several inaccuracies on my credit report that require immediate attention and resolution. 

Recently, I have identified multiple items on my credit report that are erroneous and do not pertain to my financial history. These discrepancies have arisen due to fraudulent activities where my personal information was compromised. Attached to this correspondence are documents substantiating my claims, including police reports and official letters from the XXXX XXXXXXXX XXXX XXXX confirming my status as a victim of identity theft and data breaches. As a result, the items listed below should not be associated with my credit report : - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Supporting deletion letter attached ) - XXXX XXXX XXXX Based on the supporting documentation provided, I request that these erroneous entries be promptly deleted from my credit file. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please inform me of the steps being taken to investigate and correct these discrepancies as per the Fair Credit Reporting Act. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Product: Bank account or service

My checking account with JP Morgan Chase has been manipulated for years now. On XXXX/XXXX/16 my account balance was {$580.00}, with a pending ACH transactions of {$120.00} and {$20.00}, XXXX/XXXX/16 account balance was {$510.00} with pending {$60.00}, {$100.00}, {$25.00}, with check # XXXX for {$290.00} out for payment. ACH transaction of {$120.00}, {$60.00} {$100.00} and {$25.00} was paid, which left a balance of {$190.00} that was showing on XXXX/XXXX/16 as the balance in the account. Same balance was on the account at XXXX am on XXXX by XXXX XXXX my alert on the account said I was overdrawn {$190.00} all the ACH transactions that was cleared the day before, suddenly reappeared the next day triggering a negative balance, that incurred ( XXXX ) overdrawn fee. Chase manipulated my account after the check came in on the XXXX/XXXX/16, by erasing the {$190.00} balance so they could sub-batch all transaction from high to low to maximize their fee. Now all the transaction were now showing they came in on XXXX/XXXX/16 so could justify their fee, erispective of how these were posted. I am fed up of big banks manipulation of customers that does not carry huge balance.
Product: Credit reporting

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to XXXX
Product: Credit reporting

When I get my credit report on XXXX, after I entered my information and the report has someone else 's credit report such as XXXX XXXX or some other loan. I 'm an XXXX and I came to US from XXXX 2013. I only have XXXX cards these years and never use loans or other cards.So it 's definitely not me. Today I applied for an XXXX card and would like to see my credit history and I found that problem. So may I ask someone to help me check my credit report and fix it? Thank you so much in advance.
Product: Mortgage

For the second year in a row my mortgage holder, KeyBank, has failed to make my home owner 's insurance payment via the escrow withholdings in a timely manner. My home owner 's policy runs from XX/XX/XXXX to XX/XX/XXXX with the payment due annually on XX/XX/XXXX. Last year for period covering XXXX, Key Bank did not make the payment until XX/XX/XXXX yet took the funds from the escrow account on the due date of XX/XX/XXXX. This year for the period covering XX/XX/XXXX-XX/XX/XXXX Key Bank has yet to make the payment as of XX/XX/XXXX even though they took the funds from the escrow account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted XXXX XXXX to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all three credit reporting agency 's and report the information back to XXXX XXXX directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from XXXX XXXX as well as the third party collection agency. The collection agency never reported anything to XXXX XXXX, not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted XXXX XXXX directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with XXXX XXXX to resolve this issue however I have been unsuccessful in doing so. I also requested that XXXX XXXX provide any signed contract documents proving this account was opened by me which I have not received, in doing this XXXX XXXX has violate the FCRA. I have also submitted request to all three credit reporting agency 's for verification ( signed documents ) of debt which XXXX XXXX did not provide to Equifax, XXXX or XXXX nor myself ... however its still reporting on all three of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and XXXX XXXX to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
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Thank You
Product: Vehicle loan or lease

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Website : XXXX XXXX XXXX/ Date : XXXX Subject : Complaint Regarding Misrepresentation of Loan Terms, Failure to Provide Buyer 's Guide, and Unfair Business Practices by Foursight Capital, LLC and XXXX XXXX  XXXX Dear XXXX XXXX XXXX, I am filing a formal complaint against Foursight Capital, LLC and XXXX XXXX  XXXX regarding several issues related to the auto loan I obtained for the purchase of a XXXX XXXX XXXX. I believe that both entities have violated federal and state consumer protection laws, including the Truth in Lending Act ( TILA ), Federal Trade Commission ( FTC ) Used Car Rule, and the FTC Act. These violations include misrepresentation of loan terms, failure to provide required disclosures, and unfair business practices.

Complaint Details : 1. APR Discrepancy : o Loan Amount : {$27000.00} o APR Di
screpancy : The APR listed in the loan agreement is 12.99 %, while Foursight Capital previously communicated an APR of 15.20 %.

o Violation : This discrepancy constitutes a violation of the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1638 ), which mandates clear and consistent disclosure of the APR and finance charges. 
2. Failure to Provide a Buyer 's Guide : o Vehicle Purchased : XXXX XXXX XXXX o Date of Purchase : XX/XX/XXXX o Violation : XXXX XXXX XXXXXXXX failed to provide the Buyer 's Guide, as required under the FTC Used Car Rule ( 16 C.F.R. Part 455 ), denying me critical information about the vehicle 's warranty status and condition. 
3. Misrepresentation of Optional Insurance and Service Contracts : o The contract included several optional insurance policies and service contracts that were presented as mandatory, resulting in an inflated loan amount of {$5800.00} : Service Contract ( XXXX XXXX ) : {$3000.00} GAP Insurance ( XXXX XXXX ) : {$490.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) : {$390.00} Administrative Fee ( XXXX XXXX XXXXXXXX ) : {$690.00} o Violation : These services were misrepresented as mandatory and included in my loan amount without my informed consent. This constitutes an unfair and deceptive practice under the FTC Act ( 15 U.S.C. 45 ). 

Additional Information : Loan Agreement Date : XX/XX/XXXX Vehicle Purchased : XXXX XXXX XXXX Complaint Filed with : Federal Trade Commission ( FTC ) Company Names : Foursight Capital, LLC and XXXX XXXX XXXXXXXX Supporting Documents : Copy of the loan agreement ( including APR, fees, and service charges ) Email correspondence with Foursight Capital regarding the APR and charges Proof of non-receipt of Buyer 's Guide Please investigate these issues and assist in resolving the situation. I am available for any further information or documentation you may require. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax, using section 609 of the Fair Credit Reporting Act, to get the source of information which I am legally entitled to have accurately and clearly disclosed to me. 

In this case is it the proof of debt, or original auto loan contract containing my signature for a car loan. 

Equifax has mailed me back a document stating that they " verified '' that the account belongs to me. But I did not receive the source of information I asked for. 

This is a violation of law.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed XXXX {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

to whom it may concern, On XX/XX/XXXX at XXXX XXXX - i deposited a real estate transaction check at the teller desk of the local branch of Bank of America. i went to the local branch and stated to them that i have had many inconsistent and unwarranted holds on my account so i wanted to validate what hold would be placed before depositing the check. 

I was told that {$5300.00} would be held to XX/XX/XXXX at XX/XX/XXXX and {$75000.00} would be available on XX/XX/XXXX at XXXX. 
I deposited the check and was issues a client receipt with that very information. 

6 hours later, I received an email saying all funds would be held until XX/XX/XXXX - a SIGNIFICANTTLY different hold than was initially disclosed and agreed upon on a check that should not be held to begin with as it can be instantaneously verified. 

I have since then attempted to speak with managers and no one has wanted to answer any questions. nor can anyone explain to me why the change after funds were accepted at the tellers. 

i have had multiple similar experiences lately with bank of America making hold changes for no reason. i have had an EXTENSIVE banking relationship with Bank of America and have NEVER had any checks bounce or returned. 

this is both unethical and frankly illegal. i am a banking compliance officer and i am clear about the regulatory requirements. a bank can not take a check, and float it by changing the terms of acceptance after the fact for no valid reason. 

I have previously been patient when told a hold was due to the funds not clearing- which was a lie as the disbursing parties had validated funds were released. 

In this instance, I will no longer be patient while being lied to.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I called Navy Federal per my agreement with them since my bankruptcy that I would keep making my monthly payments to keep my home out of foreclosure and was catching up bit by bit. They told me I 'd get a letter accelerating the balance but they would n't send it to attorneys as long as I completed their borrower 's assistance packet which I returned to them via mail & they confirmed receving it. I have made every payment faithfully except in XX/XX/XXXX I was unable to reach their Loss Mitigation Department who is the only person that will process my payment. I was out of the country and called as soon as I got back to make two payments and that 's when I learned they hired their lawyers after receiving my response packet. I 've made XXXX payments in the last 120 days and am under a Federal Home Loan Modification. I 've told this law firm that and they said " well you have no rights to see a judge so we 'll just foreclose anyway unless you pay the full balance today. '' I do n't have the full balance of my mortgage. I returned all of the borrower 's assistance documents to Navy Federal in XX/XX/XXXX and never received any response from them. When they got my paperwork apparently they just hired this crooked law firm to throw me out. I have gone XXXX over the mortgage and I request an investigator be assigned to look into this. I told them I dispute the debt because to foreclose now is illegal they just said to e-mail them but it wo n't stop anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To whom this may concern : Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Driver license and utility bill Copy of Credit Report
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made an online balance transfer with a Citi bank card to be received by XXXX so that I could avoid the high APR rate. It took some time for the transfer to go through and when it finally did, I noticed that my XXXX account had not been paid. I immediately reached out to Citi bank only to be told that indeed by transfer had gone through and XXXX XXXX  had received the funds. Unfortunately, that is not by bank. It's been a over a XXXX  and many a phone calls and heartaches. I have visited local branches of Citi and XXXX XXXX  with the information that Citi provided me with. They claim that I made the transfer and that it is my mistake because according to them I entered the wrong account number. I find it hard to believe that I entered XXXX numbers wrong and that those numbers would match the expiration date and that the security number would match. I now find myself paying my XXXX card and the Citi card. I am at my wits end.