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

In accordance with the provisions set forth in the Fair Credit Reporting Act, I would like to bring to your attention that the list of accounts provided below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 U.S.C 1681. 
1. XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 
2. XXXX XXXX XXXX account # XXXX has violated my rights. The Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 602 A, asserts my fundamental right to privacy. Additionally, 15 U.S.C 1681 Section 604 A, Section 2, stipulates that a consumer reporting agency can not furnish an account without obtaining my written instructions.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is stated that no consumer reporting agency may include certain items of information in a consumer report. Specifically, it prohibits the inclusion of any adverse item of information beyond records of convictions of crimes that precede the report by more than seven years. 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ) states when a consumer disputes the accuracy of information in their credit report, the CRA must thoroughly examine the evidence and documentation provided by the consumer to support their claim. Lastly, as per 15 U.S.C. 16815-2 ( A ) ( 1 ), it is mandated that no person shall furnish any information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.

I kindly request your prompt attention to these violations and seek your assistance in addressing and REMOVING these issues in accordance with the Fair Credit Reporting Act.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( F ) : Reporting information during COVID19 pandemic
Product: Credit card

This problem began XX/XX/year>, with Home depot, Home Depot placed a incorrect 30 Day late payment onto My consumer Report, Stating it was a clerical error I've contacted Home Depot Via Phone as well as in writing on several times, Finally I was able to speak with A manageXXXX '' XXXX '' During this call I informed XXXX This Account is on Auto pay, Immediately I forwarded XX/XX/year>, XX/XX/year> and XXXX 's Bank Statements showing the moneys were deducted in three consecutive months there is no room for a late payment after Questioning XXXX more about The FCRA and validating the late payment he states its up to the three Credit Bureaus on how the account is reporting? I stated that's definitely not true and the credit bureau is just a liaison between the Creditor and the Consumer and ONLY report information provided by the creditor. XXXX then informs again its a clerical error, Dispute it with the credit bureau Again and I would receive the results sent to my mailing address. I've patiently waiting for 47 Days and the late payment is still there. per the FCRA Subject to Section 1681s-3 and Act 15 U.S. 1681 ( 2 ) ( A ) ( i ) Code information must be Certified and Validated. I've also Enclosed one of the debt validation letters sent to Home Depot.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Debt collection

XXXX BANK sold my sensitive information to PORTFOLIO RECOVERY ASSOCIATES , LLC. They failed to validate the debt. I have been disputing this alleged debt. since last year. They have not let the credit mediums know that this alleged debt has been disputed. They harassed me by making my phone ring. They have used profane language threatening to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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

I'm having huge problems with Equifax this company keeps on lowering my Credit score for no reason!!! The first time they lowered it was XX/XX/2022, the score went down XXXX with no explanation, the second time was XX/XX/2022, another XXXX, the Third time was XX/XX/2022 XXXX with no reason or explanation as to why Equifax keeps deopping my score! I haven't gotten any updates from Equifax by mail or email. I previously sent them a certified letter to correct my account with false information I have not ever gotten a response from the companies or Equifax!!!! They are lowering my score because I open a report about Equifax with the CFPB!!!!!!!
Product: Mortgage

Freedom Mortgage is not resolving the issue with my loan account and their rep are not trained well. Today when I call their rep at XXXXXXXX XXXX MST and Rep whom I talked was deliberating trying to show that he did not understand my problem. It seems that he was showing a XXXX behavior as I am person of XXXX XXXX  Many times I had call them and had written to them and still the loan amount date settlement issue is there. My loan was transferred from XXXX mortgage to Freedom mortgage. XXXX mortgage told they have settled everything from their end.
Product: Credit card

bank of america visa XXXX XXXX XXXX XXXX ripped off XXXX XXXX of {$6.00} on XXXX/XXXX/2016 charge of {$100.00} by charging {$6.00} for bottle deposit for nondeposit bottles. 
XXXX/XXXX/2016 XXXX XXXX NY Transaction date : XXXX/XXXX/2016 Card type : XXXX Transaction type : Purchases Merchant description : GROCERY STORES, SUPERMARKETS Merchant information : XXXX, NY Reference number : XXXX Dispute this transaction Type Purchases {$100.00}
Product: Credit reporting

I had faxed my report request To Clarity Services to obtain my report by fax and they have not responded.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies. 

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information in a consumer report.

Furthermore, under 15 U.S. Code 1691i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the inaccurate information and notify the information provider.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"
Product: Credit card

I had been paying extra each month on my balance at XXXX 's to finally pay it off. On XX/XX/year>2024, I paid the final amount of {$530.00} which gave me a XXXX balance. Yet on XX/XX/XXXX, they charged me {$8.00} for a interest payment. I called and the representative informed me that there was a recent change in their policy and that additional interest charge would be due regardless of whether I paid off the account or not. I asked them to close my account because this has never happened to me before. Once I paid a debt in full there are no additional charges. This seems to be an unfair practice as I made extra payments just to get out of debt.
Product: Debt collection

called this company for several months they said they sent me a card swiped they didn't ask them to prove they sent it they didn't please take this off my credit report so I can go on with my life Please
Product: Student loan

I currently have around {$35000.00} in private student loan debt from both XXXX XXXX and XXXX XXXX, with my payments per month totaling around {$400.00}. Between my rent, car and insurance, and mounting credit card debt ( accrued mainly in part due to lack of finances from student loans ) I have been actively seeking assistance from XXXX lenders in paying off this debt. Every time I have called, there seems to be not a single option of assistance, except forbearance ( and even that comes with an upfront payment that I can not currently afford. ) I feel trapped and can not even refinance or consolidate because of my poor credit score. Other debtors online seem to have varying success rates getting altered rates or payment terms, but I seem to be out of the loop.
Product: Debt collection

On XX/XX/year> I received an alert from Experian that XXXX XXXX XXXX had placed and debt on my credit report for {$1500.00} plus. I contacted the company, and they do not have proof that the debt belongs to me. The debt was a part of identity theft. When the credit card was open through XXXX XXXX I was XXXX  during that time and could not have applied for the credit card. I believe my ex-husband and his girlfriend may applied for the card, but it was not me. Experian sent me an email saying that I benefited from the card and that was not true
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding a late 30 day payment on my credit report. The company responded saying they were unaware my phone number changed, however my personal phone number did not change. I have had the same phone number for 20 years. They failed to log the correct primary number to contact me. In addition, they failed to attempt to contact the co-owner 's primary contact number so neither one of us were properly notified. I am exceptionally disappointed in this company because they fail to look at my payment history and acknowledge consistent payments for 3 years, which should clearly signal to them that something went wrong for the one payment. If this is not rectified satisfactorily, I will file a lawsuit as the next step. Because of this 30 day late payment, I got a significant credit hit to my credit report, which has created significant problems. The agent on the phone indicated that XXXX XXXX XXXX has been willing to make changes on other people 's reports, so I feel that this is prejudice against me as a XXXX woman. I would like this issue rectified as soon as possible please. 

Thank you
Product: Mortgage

I am constantly hounded by Ocwen. Even though I am 2 months behind on my payments ( {$850.00} per month ) due to a XXXX, I shouldn't be receiving past due notices for 4000 to 5000 dollars. My escrow account is up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, US DEPT ED. 
Company Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 4th dispute and request from Transunion for validation or to remove XXXX on my file ASAP : This letter is in response to your recent claim that XXXX XXXX XXXX Georgia verified the account they are reporting is accurate. The letter I received from XXXX XXXX XXXX Georgia states this did not take place. I have contacted both XXXX XXXX XXXX Georgia and XXXX XXXX as you keep having me chase them when it is your responsibility to do this before adding anything to my credit report. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. It is not legal to place items on my credit that has not been verified from the creditor listed and you have continue to give me false information. 

In compliance with this method of investigation request, please provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received an alert that someone applied for a Barclays credit card at Barclays Bank Delaware in my name without my permission. I received a hard inquiry on my XXXX Credit Report from Barclays. I immediately called Barclays and spoke with a guy in the fraud department who found the application and stated they would submit it as fraud in their system and XXXX should receive something within 30 days for removal of hard inquiry, also the guy stated I would receive a letter in the mail within XXXX business days. I never received the letter after 30 days of waiting, so I called Barclays on XX/XX/XXXX and spoke with XXXX people in the investigations unit, and all of a sudden they have no record of anything, not even the conversations. I called again today XX/XX/XXXX and spoke with the fraud department and the representative as well was unable to find or locate the application or any previous conversation that was had. This is unacceptable because the hard inquiry still shows on my XXXX credit report. 

Barclays Bank Delaware - XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received a notification that the number on my chime account had been changed and another stating the card was removed from XXXX XXXX. I immediately checked XXXX XXXX XXXX card still there XXXX logged into account and seen transactions I didnt make. Immediately called chimewhile on the phone with them trying to disable the card I watched over XXXX $ leave my account. I watched them transfer money from savings to spending and couldnt do anything about it. Its now XX/XX/XXXX and I am still waiting on my funds. Spoke with a supervisor on XX/XX/XXXX who stated she labeled the notes as High Priority. Why isnt everyone who has a dispute not treated as high priority? The nightmare goes deeper than that but thats to sum it up.
Product: Mortgage

Account : XXXX In Wells Fargos response, the company is blatantly dishonest in its assertion that the unapplied funds were applied towards the escrow account. An examination of the mortgage statements that Ive attached with the previous complaint indicates that the unapplied payments served as recorded overpayments and they remained unapplied towards my escrow account or the mortgage balance. I would like Wells Fargo to point out where in any of its mortgage statements that indicates that these overpayments were indeed applied towards my mortgage balance, escrow account, or refunded to me. Wells Fargo is unable to do so because, based on Wells Fargos own mortgage statements, these overpayments were essentially UNAPPLIED and kept by the bank as additional profit. This is tantamount to highway robbery in broad daylight, goliathan bank taking advantage of the puny and defenseless consumer. I would like a refund of the overpayment of {$12000.00} as described in my first complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute XXXX XXXX regarding late payments from XXXX  XXXX during covid, I asked for an investigation and only received a notice just saying it was verified. I also uploaded additional information regarding the dispute and sent other letters over 30 days ago and still no response.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, it came as a shock to me when Paypal banned my personal accounts under the suspicions of fraudulent activity which I believe has no basis since I'm the only authorized user and owner of my verified accounts, because I transfered {$780.00} from the Paypal I created in XXXX to the one I use here in XXXX and spent it shortly after, it was marked as a risky transfer. I was planning to transfer all my funds here since I can't use the account I created back in XXXX. I'm XXXX citizen and I'm currently residing in XXXX, and thus I can only use one account and no longer wish nor intend to use the other since I'm no longer physically present in XXXX nor can I travel there due to XXXX travel restrictions in XXXX. 

I have been using Paypal since XXXX. I created my Paypal account here in XXXX since XXXX and was planning to transfer all my funds from the one in XXXX to the one here in XXXX so I can spend money and shop online, and send to family and friends. 

The permanent limitations will greatly impact and hurt my chances of getting paid as a freelancer in the future since most platforms where I am registered at require PayPal, also it will cause me a financial loss, block me from receiving money from family and friends abroad, and from sending to them as well. I have a sibling who is XXXX citizen living in XXXX, and planning to send some money to her next year. Also it could prevent me from shopping online since the better security Paypal offers when shopping online gives PayPal my full trust and makes it my main chosen method of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency has been reporting my personal financial information as a third-party company without permissible purpose. They have reports from XXXX, XXXX and XXXX XXXX negatively impacted my scores. I have contacted this company on several occasions to have them remove. These negative reports off of my credit reporting and they have ignored my requests. 30 days have passed. This is causing me financial hardships and discrimination from other financial institutions as neither of these companies can validate these claims. After several attempts to get them to remove these reports from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reports from all three ( 3 ) agencies have multiple wrong addresses listed for the Students for XXXX XXXX XXXX. I called Experian and I've emailed a copy of the attempted changes to XXXX and the wrong addresses are still listed.