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

I took a loan with " XXXX XXXX '' in XXXX. The loan was serviced/backed by First Tech FCU. Due to unforeseen financial trouble, I defaulted on the loan in XXXX XXXX. The debt was reported to all credit bureaus as a 'write off ; charge off ' back in XXXX. In XX/XX/XXXX, First Tech did a hard inquiry on my credit report without my knowledge or authorization. First Tech then re-reported this same bad debt as a new debt as of XX/XX/XXXX. I called First Tech and requested documentation and they refused to send it to me. The re-reporting of this debt is inaccurate because it is the same debt and it now shows up on my credit reports as 2 separate debts. Also, it shows as a newly defaulted loan - this is also inaccurate information. This has severely impacted my credit score. It is not lawful to report duplicate debts when they are the exact same debt and the timeframe of defaulting must be accurate because that is when the timeframe begins to run on how long it stays on your credit report. I would like the duplicate debt reported by First Tech FCU removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I have received emails, as well as reviewed my credit report for information of reported late payments. The credit bureau agency Experian has consistency lowered my credit score base on inaccurate information. Although the credit report show no late payment, or derogatory information on any accounts the agency has consistently lowered my score for late payments. Please note that no other credit agency has reported the same negative information. I am requesting a complete review of my credit history and current information being provided. I attempted to contact Experian by phone and was not able to speak with a live person and the prompts available do not allow for communication about my particular issue. 

Thank you for your assistance.
Product: Checking or savings account

On XX/XX/year> I was to receive my direct deposit to my checking account with capital one bank. I have not received my money and the excuse has been a tech issue with no ETA
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/PCRICH XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Money transfer, virtual currency, or money service

Attached is a venmo rep telling they are fixing ny accout so i can log into it and transfer funds that they stole twice now XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint to dispute this account on my credit report that resulted from identity theft. This account do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

This is the fraudulent account on my report : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a hard inquiry for a company I never applied to XXXX XX/XX/20XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with Bank America, and discovered at the end of 2019 that for every one payment I scheduled to have taken out of my checking account automatically, TWO were being taken out. This had been happening for many months, unnoticed by me unfortunately, causing checking account overdraft fees some months. I called Bank of America, and they could not understand why two payments were coming out. They said they would do what they could on their end to stop the double payments. Well the next month, I saw 2 identical payments to Bank of America were coming out again. I called them back and they again said they would stop. It continued again the next month. I went to my bank for help ( XXXX ) to stop the double payments from coming out. I asked XXXX to only allow Bank of America to take out ONE auto payment a month. XXXX then stopped all auto payments to Bank of America, so I told Bank of America I would only be writing/mailing them checks since neither bank can get this right ; NO more auto payments. You would think that would have solved the problem, but it has not! Bank of America is cashing my checks I mail on time, yet I receive notices from them and phone calls from them saying I am behind and not making payments! They are also charging fees to the credit card account, and worst of all they are hurting my credit! I am so irritated and furious, and feel helpless. I email Bank of America, I call, and they just blow me off. I am a person who pays bills on time, and has worked hard to get my credit to a good score over the years, enjoying the low 700 range. Now since this Bank of America fiasco it is a low 600! I of course have all of the proof I need to show that I am making payments even though my statements from Bank of America say I am not, and they continue to assess late and no payment fees.
Product: Checking or savings account

To Whom It Many Concern : I bank with Wells Fargo. It appears I do not have any problem with any account being paid except my XXXX account. I go to XXXX at the beginning of each month, and schedule the payment. When I am finished with XXXX, I go to my account online with Wells Fargo, and it has come into my account, and it is a pending charge waiting to be paid. The amount is subtracted and shows waiting for the next days end. When I check it a couple of days later, it is not there, it has been removed, the pending is gone, and the money returned. After seven days, all of a sudden, the bill is in and it has been taken out. This has been going on for a year now. This month I did not check it, and it cost me because they did not pay it when it came in. They deleted it and returned the money. There is something wrong with this. 

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

This company has failed to comply within the required time allowed by law. Discover Bank is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Discover due to the response I received.

This company has ignored myself for months on this matter. I am gathering all of this information for further litigation. Discover is making money off me while maintaining my credit in the ruins and selling my information to third parties.
Product: Credit reporting or other personal consumer reports

I discovered multiple inaccuracies on my credit report that require immediate investigation and correction under U.S. law. Specifically : Late Payment Reporting ( 15 U.S.C. 1666c ) : An account with XXXX inaccurately shows late payments, which contradicts my payment history. This account should be updated to reflect " Never Late. '' Negligent Reporting by Creditors ( 15 U.S.C. 1681o ) : Accounts with XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX are inaccurately reported, despite the original creditors agreeing to delete them once paid. These accounts should be removed immediately due to their noncompliance with agreed terms and federal reporting obligations. 

Failure to Validate Debts ( 15 U.S.C. 1692g ) : Several accounts, including those with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have not been validated. These accounts are inaccurate, and I am requesting their immediate deletion under the law. 

Incorrect Personal Information ( 15 U.S.C. 1681i ) : My credit report lists two incorrect addressesXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXneither of which is accurate or current. 

The Fair Credit Reporting Act ( FCRA ) obligates Experian to investigate and correct these inaccuracies within 30 days of receiving my dispute. Past legal precedents, such as XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, emphasize the need for thorough, reasonable investigations rather than automated or superficial reviews. 

If these issues are not resolved promptly, Experian risks liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. I have formally requested a detailed description of the investigative procedures and an updated credit report showing all necessary corrections. 

This is a critical matter, and I expect a swift and accurate resolution in accordance with the law.
Product: Credit reporting or other personal consumer reports

Said company has reported a negative account to all three major bureaus without ever having acknowledgement to be able to do so. I have disputed this FACT that I have no contract with said company to be able to default on for them to report and they stated that they updated and verified the said debt without providing me any evidence personally.
Product: Mortgage

I was late on payments, applied for modified payments and met the requirements. Nationwide wants me to sign a modified mortgage agreement which will extend my mortgage for XXXX years at {$580.00} a month. I currently have a loan agreement for XXXX years at {$610.00} a month. 
Or I have to make up the difference between the modified amount and normal amount which is {$1200.00} or be foreclosed. 
The extended years if I am unable to refinance with have me over {$20000.00} on a mortgage I only have $ 54,000+/- left. 
Why if my loan is extended, the payments are n't lower?
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Checking or savings account

I made a deposit to my checking account with Penfed to cover my mortgage payment. They placed a very long hold on the deposit for security reasons. I spoke to a few reps on the phone as my payment was rejected and I was assessed an NSF fee which was credited to my account as a courtesy. Then an additional attempt was made, and funds should have been a available, but they were not and I was assessed an additional fee. I am now faced with damaged credit dud to their practices.
Product: Credit card or prepaid card

On XX/XX/2020 a vendor in our neighborhood initiated an unauthorized charge against our Chase Bank VISA card. We became aware of this when several neighbors within our HOA reported the same charge from a local gym closed down due to COVID-19. When we called Chase Bank and reported the fraudulent charge from XXXX XXXX, we were told that it would be removed because the same vendor had tried to scam other cardholders. However, the following month ( XX/XX/XXXX ) the same charge appeared and we confirmed that the prior one had not been removed. Unable to convince the card company to reverse the charges that they had already ( falsely ) claimed to have reversed, we indicated our intention to close the card. However, Chase Bank VISA also declined to close the account. In a trust-based system of automatic and recurring payments, this behavior is unacceptable from an accredited bank.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

Two credit cards were fraudulently opened in my name without my request on XX/XX/XXXX and XX/XX/XXXX at the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX, SC XXXX. One card had a {$2000.00} credit limit and the other {$6700.00} credit limit. The employees at the timeshare presentation took my personal information provided and forged my signature on credit card applications while I was attending a presentation on a timeshare, which I denied. I was neither made aware of any credit card applications or products during this timeshare presentation. All employees involved should be criminally charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX + The Best Service CO/XXXX  On a recent review of my credit reports I discovered your company pulled my credit on XXXX without my written authorization on : XX/XX/2021 I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact XXXX immediately and have them remove the unauthorized hard credit inquiry. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect this unauthorized credit inquiry to be removed from XXXX immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Thank you for your attention to this urgent matter. 

Attached to this complaint are : - copy of drivers license - copy of social security card - copy of address - snapshot of unauthorized credit pull
Product: Credit reporting or other personal consumer reports

I sent XXXX XXXX a letter on XX/XX/2023, that I exercised my right to opt out yet the financial bureaus ; Experian, XXXX, and XXXX continue to record XXXX XXXX on my credit report. My option to opt out follows 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian for them to remove that bankruptcy that's on my credit that's not mine and they haven't done it. Only XXXX and XXXX delete it. 


Record details Record type XXXX XXXX bankruptcy discharged Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX FL XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request and I feel like Im being ignored. I sent letter after letter highlighting these inaccurate items caused by identity theft. The other bureaus recognized these items as inaccurate and deleted them. I sent proof of that and still not answer. FDCPA Section 807 clearly states that inaccurate items must be deleted. I have asked for verification and still as of today over 180 days later no verification. No original contract, no personal information, no who did you speak with to verify. I demand these inaccurate items be removed immediately. These are violating my right and I have no other choice to proceed to legal action. This is a direct violation of 15 us code 1692. My information was also impacted in the Equifax and XXXX  data breaches.
Product: Debt collection

I have a debt appearing on my credit history that is not mine. The name that the debt is under is similar to mine but not mine as I have a different last name. I have tried resolving with XXXX but they marked it as accurate and it is not. The debt belongs to an uncle of mine I am named after.
Product: Debt collection

* Under Debt Collection AgencyCOLUMBIA DEBT RECOVERY LLC DBA GENESIS, Delinquent Unpaid to Date * Credit Score Negatively Impacted due to Debt Collections Status XX/XX/2024, Notified Collection Agency via The Current Apartment Lease/ Manager ( apparent Debt to be paid origination ). 
Balance is up to date no Delinquencies. 
As seen in attached documents Account is currently in good standing, compliant and non delinquent. 
( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ) NEEDS TO REMOVE FALSE INFORMATION IMPACTING Me and my wife credit score and rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES : XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

stuff showing on my credit report that are not mine please remove tham XXXX, XXXX, and experian inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CACH LLC ( Original Creditor : 12 XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CACH LLC ( Original Creditor : 12 XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Nationstar mortgage, Said I was a month behind in my payment ; I knew that I was n't, But just to play it safe, I went ahead and made another payment and then notified my bank and had a lady I know that works at the bank go back 2 years into my account and see if I had missed a payment ; She could not find a missed payment and she has been talking to Nationstar mortgage and keeps on getting the run around with them ; So I made an extra payment, That I said I wanted credited to principal and they have not been understanding that they are the one 's making the mistake!!