23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information contained in my consumer report issued by your agency. I recently obtained a copy of my consumer report and discovered that non-public information has been disclosed about me to a non-affiliated third party without my written consent. This practice is in direct violation of 15 USC 6802, which outlines obligations regarding the disclosure of personal information. 

Upon reviewing my consumer report, I noted that there are accounts, specifically XXXX XXXX  XXXX XXXX Account Numbers XXXX and account number XXXX, Also Credit Inquiries XXXX XXXX  Inquiry XX/XX/2023 listed without my written consent. As per 15 USC 1681b - Permissible Purpose, I have not provided authorization for the reporting of this personal information. This lack of consent not only violates my privacy rights but also raises concerns about identity theft, as outlined in 18 USC 1028a. 

I want to bring to your attention that I have already filed a report with the Federal Trade Commission, and my reference number is XXXX. I expect this matter to be treated with the utmost urgency and seriousness. 

Furthermore, I was not provided with the option to opt out of the items being reported, as is my right under the law. I request that you provide proof of offering me the opportunity to opt out, as required by law. 

In accordance with 15 USC 1681c-2, I demand that the following accounts, XXXX XXXX XXXX XXXX Account Numbers XXXX ( Account Type- Auto Loan ) and XXXX XXXX  XXXX XXXX Account Numbers XXXX  ( Account Type -Credit Card ) and Credit Inquiries XXXX XXXX Inquiry Date XX/XX/2023, be removed from my consumer report immediately. I emphasize that my dispute is not with the creditor but with your reporting agency for not obtaining proper written consent and failing to provide an opt-out option. 

I expect these accounts to be removed within XXXX business days of receiving this letter, in compliance with the timeframes specified under 15 USC 1681c-2. Additionally, I request that your agency remove these accounts without invoking the method of verification, as the reporting was done without proper consent.

Failure to comply with this request may result in further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am confident that your agency will handle this matter promptly and in accordance with applicable laws and regulations. 

Thank you for your immediate attention to this matter.
Product: Debt collection

The debit collector has called my landlord acting like my friend and causing us to have to move. The debit collector had called friends and family members about a debit and has harassed my friends, family to the point I have lost friendships and family due to their actions. They continue to call my old job even when the manager has stated I dont work there anymore. I feel this debit collector is out for me due to they keep finding old debits and are constantly taking me to court and harassing me.
Product: Credit card

On XX/XX/XXXX, XXXX XXXX, came to my home selling XXXX XXXX XXXX. I informed XXXX I was not interested as I have no issues with my current XXXXXXXX XXXX XXXX told me I could compare both systems next to one another to give their system a fair comparison during a trial period. I accepted the trial period and told Tre I wanted all features that I have with XXXX to adequately compare systems. From day one, XXXX had given me issues starting with their technicians XXXX XXXX and XXXX XXXX. They removed much of my XXXX equipment, damaged some of that equipment, and caused damages to several of the walls in my home. I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX complaining of my issues. On XX/XX/XXXX and XXXX, I called to cancel my account during my trial period, and XXXX XXXX told me they would extend my trial period since all equipment had not been installed by day 3 of my trial. When it was determined by their service technician XXXX on XXXX that XXXX 's equipment was not compatible with the electrical design of home, I called to cancel this day and supervisor XXXX tells me he will Cashapp me the money to pay for whatever repairs I needed to keep me with XXXX. XXXX assures me he will get in contact with XXXX to better understand what was not compatible. Of course, I never hear from XXXX again. On XX/XX/XXXX I call to cancel for good and supervisor XXXX tells me that I now must pay for the equipment through Citizens Pay because I am past the 3-day trial period. XXXX lied and used deceptive sale tactics to keep me past the trial period. XXXX XXXX and other XXXX employees made several promises just to keep with their company and they never accommodated my needs. Not only did I not use the {$1000.00} Buy-out money, but all accessible equipment has also been removed and uninstalled. However, their claims department tried to resolve my damaged equipment caused by XXXX XXXX but I no longer wanted to accept their lies, so I paid for the damages they caused to my home. XXXX is fully aware that their sales representatives use deceptive sales tactics, and will tell consumers anything to make a sale. XXXX takes no accountability for the lies their sales reps tells, and ignores consumer complaints even when they provide credible evidence.
Product: Debt collection

I XXXX contacting you concerning an account XXXX have sold to this collection agency named Nelson and Kennard in XXXX CA Account # is XXXX and case # XXXX XXXX had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX. 
It appears that XXXX was selling customers ' debt to collection agency as much as possible before the settlement. 
In XX/XX/XXXX/XX/XX/XXXX, when the real estate market crashed, my husband and I both lost our jobs. 
We used all our reserves to make our mortgage payments to XXXX. Eventually we had to use my XXXX/XXXX card to keep up with the ADJUSTABLE RATE MORTGAGE. 
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments. 
After many years of struggling with getting a loan modification, XXXX FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification. 
Unfortunately we are not able to make any credit cards payments. XXXX have sold this credit card debt to Nelson and Kennard before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills. 
Now, again this Collection agency is levying our account. The problem is, due my serious health issues I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from credit karma that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( AMEX ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint. Also AMEX ran a hard inquiry twice on my credit, which both times I did not consent to.
Product: Checking or savings account

Received a bank robocall claiming my account was frozen- it was a valid region #, although they claim to never call consumers. That's an outright fraudulent statement. They do call customers, using low budget AI which is fraught with security flaws by the way. The robocall would not allow any path for comprehensive solution. Low bidder technology I suspect. 
I called the corporate office for Regions XXXX and presented my problem that my account was frozen. I gave them my Checking # several times, and they claimed my account never existed. My account that I have used for 6 years, inc. the last few days. 
" We show no account for you sir '' When I asked for resolution they only provided useless talking points with no relevance that the fact that my XXXX XXXX XXXX bank account and XXXX  of dollars disappeared. So I asked, what did you do with my account and all my money? No answer. Then they said I should just drive to my branch- I told them that I was just back from XXXX  and XXXX  and over XXXX, so that was no option. Then they said sorry can't help you. Disconnected. WOW. XXXX  beware of Regions Bank- they can not be trusted. This is beyond criminal. I need some help please!
Product: Student loan

I believe I was misinformed about my student loans during my XXXX years at XXXX XXXX University, from XXXX to XXXX. I was not fully informed about the specifics of my loan disbursements, the timing of payments, or the amount that would need to be repaid. As a student already managing personal challenges, it is essential to have a financial adviser who can fully explain and certify the details of loan agreements, rather than relying on automated systems or questionnaires from XX/XX/XXXX. This guidance is crucial to prevent students from accumulating debt they may struggle to repay after graduation. Additionally, students should receive clear advice on whether their chosen major or career path will provide a sufficient income to manage loan repayment in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 an ex-spouse unwillingly opened an XXXX account in my name. I paid the account off in full. I disputed with XXXX 5 times. XXXX and XXXX XXXX are being dishonest and reporting it as an open account thats been paid off in full through XXXX XXXX XXXX. Id like for this to be resolved properly and respectfully. XXXX are using dishonest tactics as well as XXXX.
Product: Credit card

I opened a secured credit card with XXXX XXXX XX/XX/year> in the amount of {$5000.00}. On XX/XX/XXXX I attempted to redeem the rewards from my secured credit card into one of my savings accounts on the XXXX XXXXXXXX XXXX According to XXXX XXXX XXXX XXXX XXXX department, there was an issue with which account the redemption would be deposited into which caused them to release the hold of my security deposit for the card. This release of funds occurred a few days after my attempted redemption without any notification or prompting. I then moved funds after their release into a XXXX with XXXX XXXX. The credit card account was subsequently closed due to the initial deposit funds not being secured in the account. With a secured card the deposit is to be secured by the institution until released to the consumer. The funds were release to me due to an error on the part of XXXX XXXX without any communication. After several calls, I have been told they will not be doing anything to resolve this issue, the balance remaining must be paid, and the account will remain closed.
Product: Credit reporting or other personal consumer reports

I need your help in serious matter involving my credit report. After reviewing my credit I realized that you are reporting damaging information to my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see that this account has charge off status and yet there are multiple discrepancies incomplete and inaccurate credit reporting associated with this account. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate I ask that this account is deleted due to multiple violations. 

Account reports different dates under date of last payment. 

highest balance is being inaccurately reported. 

Incomplete payment history Date of delinquency inaccurate Account opened reported as XXXX but payment history has a payment listed for XX/XX/ Please stop reporting this account due to FCRA noncompliance of an accurate data being furnished on my consumer report. This account is also in violation of 15 U.S. Code 1681i ( 5 ) as well as 15 U.S. Code 1681 ( e ) B, 15 U.S. Code 1681c
Product: Payday loan, title loan, or personal loan

This started when SunTrust and BB & T became one bank. The manager at our bank in XXXX XXXX I think her last name is XXXX first name is XXXX she talked my sister and me and her getting a home equity loan we were harassed for months until we finally said yes we went to her office and sign the papers and we asked and got a fixed interest rate of 7.49 % that is the papers I signed out of the papers my sister signed then after she started using some of the money to fix the house up they decided to change the interest rate legally they can not change that interest rate but they think they can and I believe theyre doing this because Im a XXXX individual and they know that so I believe theyre treating me this way because I have a XXXX income being on Social Security XXXX and I feel very discriminated against and I want something done to them if you need any more information please call me my phone number is XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in 2022, I noticed an issue on my Experian credit report. This issue was a mixed file between me and my sibling. The mixed file resulted in 3 of their accounts appearing on my credit report and mixed up personal information. I began by filing a credit report dispute to Experian to rectify the issue and received a response on XXXX XXXX, 2022. This resulted in the personal information being corrected but none of the 3 accounts being removed from my report. After calling the banks associated with these accounts, 2 of the accounts were promptly removed from my credit report. For over 6 months, I have been repeatedly calling the final bank : the XXXX XXXX by XXXX XXXX, regarding this issue. I have called them and explained the mixed file issue and the report dispute that I have already filed with Experian. This was done at least 10 times. I have also called the XXXX XXXX by XXXX XXXX line with my sibling on the line to have us both explain the situation. This was also done multiple times. Each call ended with assurance that someone from XXXX will reach out within 4 weeks to rectify the issue and that a dispute would be made to correct it. No tracking information was provided, no response has been given in over 6 months and the account is still on my credit report.
Product: Credit reporting or other personal consumer reports

Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I '' hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or credit clinic, '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts when in reality, these were the result of a scammer 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This non-compliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FORA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of the Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. Once again, I demand that you take immediate action to address these violations and fulfill the following requests : Unauthorized Inquiries Name : 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 XXXXXX/XX/XXXX Request : DELETE!!!
Product: Credit reporting or other personal consumer reports

I have tried to resolve this matter with Experian numerous times please see attached statement
Product: Consumer Loan

ERC has been asked to please stop calling my place of employment and correspond via mail. I asked them politely..
Product: Checking or savings account

I went to check my BoFA app on XX/XX/XXXX and the account had a lock on it. I called and they proceed to tell me they closed my account with no warning or explanation and on top of that they are saying it will take more than a month to receive the money in my account. I have had an account closed in the past and was able to get my money immediately, taking a month to not receive my money is absolutely insane. I've called multiple times, spoken to multiple people, zero reason and no way of getting my money quicker.
Product: Debt collection

I am low income and my medical cover XXXX  XXXX ( XXXX XXXX XXXX XXXX. 
My any payment cover by XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX should know what kind of treatment of lab will cover by XXXX XXXX. 
I went to XXXX XXXX XXXX. 
But, they didn't give me any treatment. they told me they were unable to give me any treatment. 
Therefore, I left with no any treatment. 
After that they over and over charge me an amount. 
XXXX. I didn't received any treatment. 
XXXX. Any treatment and charge they should know and limit, I am cover by XXXX XXXX XXXX. if over charge nobody will pay. we are low income and unable to pay. 
XXXX. I didn't owe any amount form them. I didn't got any treatment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Equifax about the inaccurate reporting on my credit report and that I would like them to provide documentation on how they verified my information. I have not received a reply from Exquifax and at this point, I feel as if I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) states that the CRA must conduct a reinvestigation of any item of information in a customer 's file if the customer alleges the item is inaccurate. and if the CRA does not conduct a reinvestigation items must be removed from an individual credit report within 30 days. This inaccuracies that Equifax is reporting to my account should be deleted promptly or I will file for litigation for the stress they have caused me, my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX requesting ( XXXX ) verification of the debt and ( XXXX ) for all future communication to be via mail or email. XXXX has contacted and/or attempted to contact me by phone on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, of XXXX.
Product: Credit reporting or other personal consumer reports

On or abouXXXX XXXX/2024, I reached out to all three credit bureaus ( XXXX, XXXX, XXXX ) to dispute inaccurate information on my credit report. Upon me providing them verification they advised that my information provided was incorrect. In addition, several accounts on my credit report is not my information to include, education loans, previous addressed, cell phone vendors account, previous educational institutions. Lastly, there are several inquiries on my account for auto dealerships that I have never applied to all of which I have requested to be removed and the creditors fail to do so and take my information and update the records to reflect the information I gave so as to insinuate that the collections on the account are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Debt collection

a representative of Midland credit management at XXXX XXXX has been making harrassing phone calls to XXXX XXXX regarding my debt. The debt has been charged off by XXXX XXXX the representative advised XXXX XXXX that XXXX XXXX is reporting it and so are they. My next step will to seek legal counsel regarding the practices of Midland Credit Management
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i checked my credit report and came to find out that someone used my personal and financial information to open 8 different types of accounts. These accounts were open by the thief that stole my identity a long time ago. i noticed so many incorrect information that did not pertain to me and that i never used before. Like my name that was changed and addresses that i never lived at before. Also the accounts that were not ever opened by me. I immediately filed a Police report with the XXXX police department and contacted the FEDERAL TRADE COMMISSION to file a police report as well as an IDENTITY THEFT REPORT. I then submitted my complaint to the credit bureaus and nothing was done with supporting documents. I never received any type of mail regarding the outcome so i decided to file a complaint in regards to my identity theft. I never opened these accounts listed in my Identity theft report in or around the opened dates. i sent them notarized documents to support my request.