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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXXXXXX, Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 right to privacy.

15 U.S.C. 1681 section 602 a Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items 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: Debt collection

" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XX/XX/XXXX though XX/XX/XXXX.  Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the future Seterus would have to send the debtor notice of intent and Seterus has never done so. Seterus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XX/XX/XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have  requested on the loan since XX/XX/XXXX. When the loan was sold or transferred to the new investor XXXX and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX PHONE NUMBER : ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXXXXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Dispute 2 Account Number : XXXX Account Name : XXXXXXXX XXXX Type of disputed information : Secured Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Dispute 3 Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. TransUnion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Product: Debt collection

The company advises that I owe the amount of {$1200.00} and the payments are late. This is not my account.
Product: Vehicle loan or lease

After I made a full payment to complete my vehicle loan over the phone with the agent on 2/3 in the amount of {$23.00}. The agent confirmed the loan was paid in full and I would receive no further charges and that I would receive the title in the mail in 3-4 weeks. 48 hours after that phone call an additional debit on my checking account was made by Citizens bank for {$22.00}. This was not an authorized charge as my loan was satisfied and my business with Citizens bank had been concluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint involving XXXX XXXX. They have charged off my account # XXXX and sent it to XXXX and Equifax for {$15000.00} but yet sent it to XXXX XXXX XXXX XXXX and their saying I owe {$13000.00} a difference of {$2000.00} but I also know they resold it at an auction because the last time a representative spoke to me they said if I didnt pay by the end of XX/XX/2019 they would resale it at an auction. I also have proof but cant attach paperwork.
Product: Credit reporting or other personal consumer reports

You were advised to remove unauthorized inquiries from my credit report in a letter dated XX/XX/XXXX and you failed to acknowledge this request. You were also sent proof that my personal information was involved in a data breach, and you were sent an FTC report and failed to remove these inquiries. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, which neither of which apply. I have attached an invoice for the violations of your company. The following inquiries are to be removed and payment remitted to the address on the invoice within 14 days. XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ( duplicate inquiry XXXX ), XXXX XXXX XX/XX/XXXX ( duplicate inquiry XXXX ), XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ( duplicate inquiry XXXX ), XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX ( duplicate inquiries XXXX ), XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX  county court 2 ) XXXX XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX

8 ) XXXX XXXX XXXX XXXX XXXX  
9 ) XXXX XXXX Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak.

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to.

I plan to sue this Company for damages to my credit, punitive damages and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognize your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXXXXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Block, Inc. did not provide live agents to speak to assist with ongoing issues with my account on several occasions. My account is XXXX XXXX. My email is XXXX.
Product: Checking or savings account

On XXXX XXXX, while on the computer a notification popped up informing me that my computer has been compromised. There was a XXXX notification. I called the number. The person I spoke with told me that my phone, computer and bank information was exposed. He said that if I use my phone that the hackers could hear everything. I needed to contact the bank. The technician said that he can call them on a secure line. 
Which he did. I spoke with who I thought was customer support. The person acted like he really was from the bank. This person informed me that my account was being hacked by someone who was ordering XXXX worth {$2000.00}. This person said that it appears to be an inside job. He told me that i had to go to the bank and transfer my money into a secure bank account. Which he provided all the information, for an account in XXXX XXXX. 
The amount was {$23000.00}. The bank sent an email informing me that they will not replace my lost even though they had time to stop the transaction. They stated that I iniciated the transaction. Which makes it look like I was part of the scam. I contacted the fraud department and filed a claim. I have yet to hear back from them. I called the bank and the person I spoke to said that the case is closed. I did not receive a hard copy of the case being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though a had a Fraud Alert place on my Equifax ( and others ) credit file, Equifax let a Credit Issuer access my credit file and placed a HARD inquiry, even though this inquiry was unauthorized and potentially fraudent, no attempt was made to verify my ID over the phone, and Credit Issuer 's application contain NO social security number, Drivers Lic did not match, No DOB, different address, different phone number, different email address. Only matching info was First and Last Name, and City, State and Zipcode. Even with a Fraud Alert on my account, Equifax permited this issuer access to my credit. On top of that, when I disputed the inquiry, they hours later came back with the results of the investigation stating the inquiry was factual and will remain for 2 years. Highly unlikely they did any investigation without a few overnight hours, specially since a simple call or inquiry to the Credit Issuer and the Issuer would've been unable to provide any info that match my profile. 

Equifax needs to stop being so lose with permiting issuers to gain access with such little personal information, let alone access to those who have Fraud Alerts placed on their credit. Secondly, when a consumer reports potential fraud or unauthorized inquiry or opening of an account, Equifax needs to place the burden on the issuer to prove it belongs to the consumer in question, not require the consumer to have to now prove it was unauthorized. I was the victim here, I shouldn't have to waste countless hours calling Equifax, calling the Credit Issuer, filing complaints etc, specially when there is a clear cut case. In this case, the Credit Issuer from Day 1 agreed the information provided by their potential customer did not match my information, and thus the inquiry should've been to my credit file. They have expressed willingness to confirm this to Equifax, but Equifax has failed to inquire to the issuer a out the legitimacy of the inquiry. Since I was in the process of potentially buying a house, this has caused an enormous burden & stress, and I still have been given no resolution 30 days later after more then a dozen calls to Equifax. All they recomended is for me to file a FTC complaint to report Identity Theft in order to remove the credit inquiry, but the evidence so far seems to only prove negligence by Equifax and not actual ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems Inc is not a bill I have ever had or had. Nor has it been a bill I have had that was sold to someone. This Bill was not Validated in a timely manner when I disputed it last time. I have no idea who this bill is but it is not mine.

Now it has come up TWICE on my credit report, not once. and with different starting dates which changed the statute of limitations for them. Both illegal.
Product: Credit card or prepaid card

XXXX XXXX transferred its credit card business from XXXX XXXX to Barclays Bank around XX/XX/2022. Without notice, Barclay Bank  XXXX imposed a {$100.00} per month purchase requirement upon cardholders. If this is requirement is not met, a {$2.00} per month fee is imposed. On XX/XX/2022 I was charged a fee of {$2.00} pursuant to this requirement. While such a charge might seem de minimis, the purchase requirement is not. No information concerning this fee is found on the Barclay Bank  XXXX website nor do the FAQs mention this. Prior to the change in banks, no such requirement existed, thus consumers in good faith signed up for a card that did not impose a minimum purchase requirement. Without notice, consumers are now required to spend {$1200.00} per year using this credit card or incur an arbitrary fee, which presumably can increase over time. 

I contacted Barclays Bank XXXX concerning this and was told by a representative that she could not do anything about this requirement, although as a courtesy she removed the {$2.00} from my account. 

While closing a credit card account is an option, this action can adversely affect one 's credit score for a several reasons. When a consumer loses the available credit limit on that account, her credit utilization ratio jumps, thus suggesting that the consumer is using a higher amount of her available credit. 

I believe this requirement to be inequitable, discriminatory and illegal, and particularly harmful to XXXX  such as myself who are retired and on a limited income. We did not sign up for this.
Product: Credit card or prepaid card

I had a XXXX limit on one Chase credit card and a XXXX dollar limit on another Chase card. I was over my limit by only less than XXXX dollars on the one card and under my limit on the other and they closed both accounts roughly last week ( around XXXX XXXX 2021 ). 

Ive made payments every month, have had the cards for a while. They just closed my account and tanked my credit score in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

On XX/XX/XXXX I noticed a phone number that is not mine, or any account owner was on my account. The Bank is unable to tell me how or when this phone number was added to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$970.00}, {$550.00}, {$0.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$970.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-XXXX XXXX XXXX 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WAS DISCHARGED THROUGH A CHAPTER XXXX BANKRUPTCY AND SHOULD BE DELETED FROM MY CREDIT REPORT
Product: Mortgage

Hello, I have called numerous times to ask Wells Fargo to take the late fees off. They refuse to even though they are the ones who bought our mortgage loan. They have been charging late fees for a while now. Not sure the dates but can look them up. Wells fargo have been charging us for more then a year. There is a grace period but when it comes to wells Fargo they are for the account fees for billions of dollars they make off of hardworking citizens. They should not be able to charge all these fees on our checking accounts and Mortgage accounts. Please help resolve this issue. I am actively looking for a lawyer to represent out family over this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX Account Card, has violated my right. 

15 U.S.C 1681 section 602 A.States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I got a XXXX dollar late fee and I didnt receive a bill from the credit card company. I tried to explain to them that I cant pay that I never got. All that the woman said was that its there policy that they cant take the late fee off. Not fair to be charged for something that wasnt my fault. I dont have money to waste on late bills thats out of my hands. Ive been with that credit card company for 40 years and have never been late on anything. I need help to get my XXXX dollars back