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. 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 has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

Please see attached documents/ ID as it contains my full complaint and request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX/XXXX/2024 XXXX XX/XX/year>2024 XXXX XXXX/XXXX/2024 XXXX XXXX XXXX/XXXX/2024 XXXX  XXXX XXXX/XXXX/2024 XXXX XXXX S XX/XX/scrub>/2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/scrub>/2024 XXXX  XXXX XXXX XXXX XXXX/XXXX/2024 XXXX  XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX XXXX/XXXX/2024 I have inaccurate information on my credit report. This is a violation of my rights and i am distraught.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my information has been compromised in a data breach with EQUIFAX.
Product: Money transfer, virtual currency, or money service

Transaction that I didnt do the company doesnt have a person there to help when I try an get into contact with someone they send me to a robot Ive been trying to get this resolved for a while and the prices of what I lost was XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I opened a business account in XXXX. Wells Fargo closed my account because of their internal error. They did not do the proper paperwork and corporate office closed the account. The local branch received at least 8 notifications that there was something wrong and never reached out to us to fix it. They closed the account and supposedly sent a check out for XXXX XXXXXXXX on the XXXX. I still have not received this check. I have tried multiple times to get them to fix this and it still is not done. They are holding up the process of this building by not having the funds in my account to run my business. The local branch refuses to escalate the complaint. I have been lied to multiple times about fixing this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 my Vehicle was impounded. The creditor was informed that I could not afford to get vehicle out of impound. Im not sure what happened to vehicle after this. There was no letter sent stating car was auctioned or a decrease in money owed on credit report. Its been 3 years since having the vehicle in my possession. 
Credit Acceptance still reports the original balance and report late payment every month
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX XXXX received a notice dated XXXX as stated on pay pal credit notice stating that adverse action had been taken on my account lowering my credit limit from {$2300.00} to {$320.00} ..i was unaware of the changes made to my account as i was not properly informed due to the delivery of the notification via email... i am enrolled to receive paper statements so i would think that the notice would be sent via the postal mail to my home address of the account but it was sent via email which caused me to have notice it 2 months later ..in the notice they stated they pulled my consumer report from XXXX on XXXX and came up with a credit score based off Information from a old report and made their decision. I did not give pay pal credit my consent to pull my consumer report and their actions is adversely ruining my reputation
Product: Checking or savings account

For last year I tried many times to get XXXX to my account information for previous years ( 2005 and up ), I have XXXX only for last two years
Product: Debt collection

This company has repeatedly contacted me for a debt that is the incorrect amount. I have repeatedly requested information from them and informed them that I have information proving the debt is not that amount they have used unprofessional, illegal tactics and emails one email in the very same day stated that I would have five days to pay. Once I stated that I was going to file a complaint for them not following the proper procedures. They sent me an email letting me know that I needed to pay immediately now, which is an intimidation, threats and very much illegal Never once did they request my information or my side for my records based on the reviews on their website and XXXX these are the same tactics that they use they try to identify themselves as a legal team in phone calls previously that Ive had with them
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX & XXXX XXXX XXXX I have reported these companies before for unwanted contact. I did not opt in. I was told I would not be contacted again. And I am still receiving physical mail and email solicitation. I have requested not to be contacted. EVER. I did not change my mind. I do not wish to enter into business with these companies. My privacy is continually invaded. I now have to provide identity theft information to conduct business with other companies for this continuous invasion of my privacy. Stop the unwanted contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  property show on there only statements that I over paid, my is rent is XXXX an month. Section 8 pay XXXX an month and I pay XXXX an month. According the statement issue by XXXX on XX/XX/XXXX Section 8 was paid up to XX/XX/XXXX and I already paid for the month of XX/XX/XXXX and Partial of XX/XX/XXXX, so I dont understand where and why this report was made. This report was credit bureaus. Please look into this information
Product: Checking or savings account

I opened a checking account with CitiBank. I was told I would receive a debit card, but it never arrived. Since I can not activate the card, I am locked out of online access and unable to access my money. Ive called customer service multiple times and even received a non-functioning phone number. I asked to have the card reissued and expedited, and they refuse to help because they wont verify me without the card which I never got. I need my debit card reissued and expedited or for my funds to be released and the account closed. I feel like my money is being held XXXX.
Product: Debt collection

I was notified by XXXX  that there was a change in my credit report on XX/XX/XXXX in which I reviewed and submitted a dispute. Consumer Adjustment Co has repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) reported delinquency on my credit report in which I have no idea who they are or what debt they are reporting delinquent, as I have not received any statements or written communication as to what this debt is nor was I given the required ability to dispute or request validity of implied debt, therefore a clear violation of regulatory requirements as well as conducting abusive and deceptive collection practice, causing unavoidable harm as my credit score has significantly been impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up a XXXX XXXX account with XXXX XXXX sometime in XXXX. This account has been kept in good standing and was always used responsibly. On or about XX/XX/XXXX, there were over {$600.00} worth of fraudulent charges made on the account that I did not authorize. This happened around the same time I was relocating from XXXX to XXXX XXXX due to employment. I raised my concern to XXXX XXXX, which in turn they immediately credited about {$250.00} worth of charges and stated they were going to freeze my account and all reporting to the credit agencies XXXX which they did not ), while they investigated. Also XXXX reached out to let consumers know of a breach that impacted XXXX XXXX XXXX customers ( XXXX XXXX did not notify me of a breach ). Around that time it appears XXXX XXXX sold off the XXXX accounts to Comenity bank, and nothing was done In the investigation. as XXXX XXXX never reached back out to me to share their conclusion. When I reached out to Commenity bank and their fraud dept to explain the situation, I was told that they were going to issue me a new card once I brought the account current ( which they never did ). When I called back- Agents were rude and would refuse to provide information on the status of my account, my fraud case and the status of my card issuance. Commenity continued to negatively report to the credit agencies without addressing my concerns, and directed me to dispute the fraud charges with the agencies rather than with their bank. After weeks of back and forth, Commenity ultimately shared that the account was closed and they were never going to re-issue a new card, even after they took several payments on my account. I made a final payment to the account as it was clear they werent investigating my fraud claims and the interest on that balance was still accruing. Even after paying out and closing the account, Comenity still sends me notices about my account as if it were still active, Recently they just sent me a change of terms to our agreement ( see attached ), Ultimately both companies completely mismanaged my fraud case and continued to negatively report against me- even when Ive done everything on my part to notify them about the fraudulent charges. I want all negative reporting to be deleted, and I want both banks to be held accountable for how they mishandled the transition of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX told me that they verified a bankruptcy on my credit report through the creditor, but when I reached out to the bankruptcy court ( creditor ) they sent me a letter stating that they do know business with XXXX XXXX or any credit bureau which I have forwarded the letter over to XXXX XXXX who still is telling me they verified the account through the bankruptcy court this is illegal to report and I demand immediate removal
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX, Experian and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : account here. 

XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$770.00}
Product: Mortgage

My name is XXXX XXXX my property address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. Servicing Lender is BSI Financial Services. My loan number is XXXX. I am writing because I was approved for a trial modification and was supposed to make three trial payments commencing in XXXX XXXX, XXXX my last payment being in XXXX 2015. I have now completed all my payments and have yet to receive the permanent modification. My representative assigned to my case is XXXX XXXX phone number XXXX ext XXXX however, I have left him numerous messages and he is never available and never returns my calls. I have called their attorney and they have advised me that they do not know why I have n't received the permanent modification. I have continued to make my monthly payments however, I am concerned as I am still in foreclosure and the bank does not complete my modification nor give me a valid reason why it is still pending.
Product: Credit card

I submitted a dispute to Citibank , N.A . ( CBNA ) regarding inaccurate reporting of my account ( Account # XXXX, opened XX/XX/year> ) to the credit bureaus, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2 ( b ). My XXXX credit report lists this account with a current payment status and on-time payment history, yet it is incorrectly marked as derogatory. Conversely, my XXXX credit report shows a current payment status but includes an inaccurate payment history. Despite providing supporting documentation with my dispute, CBNA has failed to investigate and correct these discrepancies. 
Under FCRA 1681s-2 ( b ), CBNA is obligated to conduct a reasonable investigation of disputes, verify the accuracy of reported data, and correct or delete inaccurate information furnished to credit bureaus. The conflicting reports across XXXX and XXXX indicate that CBNAs data is either incorrect or unverifiable, violating this standard. These errors have significantly harmed my creditworthiness, limiting my access to credit, increasing borrowing costs, and causing financial and emotional distress. 
CBNAs failure to address these issues suggests a disregard for my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I sent letters to the consumer reporting agency to notify them about the inaccurate information on my consumer report. I even attached a copy of my driver 's license. I am in distress and this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Transunion credit report. The credit report showed several credit inquiries that I do not recall authorizing. I reached out to Transunion and when I explained this to a rep on the telephone that they've placed inquiries on my file that I have not authorized they said theres nothing they can do nor was proof given. These inquires were not authroized by me, they are damaging and are making it very difficult for me to acquire credit. 
I have listed below the names of the inquiries 1. XXXX/XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX I look forward to your assistance with getting this matter resolved, Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect personal information and names showing in my report.
Product: Mortgage

I am disputing all of the RCS Mortgage late payments on my XXXX credit report. 

This Mortgage loan was included in my Chapter XXXX Bankruptcy which was filed XXXX/XXXX/XXXX and completed successfully XXXX/XXXX/XXXX. The mortgage, initially with XXXX and than with RCS, was included in the bankruptcy. On the bankruptcy its value is {$47000.00}. 

On XXXX/XXXX/XXXX there was an Order Granting Relief From XXXX XXXX. This let RCS get the collateral which is the property. In no way does the wording say that the creditor could collect money from the loan, it just gives them the house. 

Each of the RCS late payments are after our bankruptcy was successfully completed. So this loan did not even exist at the point of the late payments. So there is no way that we could have a late payment on a loan that was already eliminated through bankruptcy. 

Here is how our Bankruptcy Attorney explained the Stay to us : '' You filed chapter XXXX. You surrendered a home and allowed the creditor to foreclose. In order to do that the bankruptcy court has to lift the stay to allow the creditor to go after the property. The Order from the bankruptcy court does not say anything about allowing the creditor to seek money from you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review my credit file. 
I did not give permission to the following companies to pull my credit report. 
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXX XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some accounts listed have incorrect reporting, amounts, and dates.
Product: Credit card or prepaid card

i paid the bill off in full and i contacted the credit card company to see if they can remove it from the credit and no one wants to help
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX XXXX XXXX XXXX which is an opened collection Account type. Has all kinds of inconsistencies where it is showing that it was opened with TransUnion on XX/XX/ and XXXX XXXX  and never opened with XXXX I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Note to file XX/XX/2020 Today XX/XX/2020 I received message from XXXX my check had been returned .. 
so I check it was my Mortgage payment in the new amount of {$880.00} So statement said new amount normal payment $ XXXXapprox. 
everything was good.til I received notice I called spoke to Agent XXXX..XXXX  He told me couldn't speak me due to no Consent form from my attorney XXXX XXXX ( XXXX XXXX XXXX XXXX..email my request to his assistant XXXX forward the following Debtor : estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Lender : PHH Loan # XXXX ( f ) XXXX XXXX XXXX email : XXXX consent need to request resolution/payments etc XXXX XXXX Widow of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that the company continues to list the dismissed ch XXXX cases on my credit file. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcies about dismissals and filings! 
The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or DISMISSED, no longer exists in the eye of the law and a case filed that was never and has NEVER been actually adjudicated. Therefore you have no right to maintain information that the government has deemed legally nonexistent. 

Therefore pursuant to Section 1681 a ( 5 ) of the FCRA you must DELETE this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your answer within 14 calendar days.