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

In accordance to the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX Account XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX violated my rights XXXXXXXX XXXX XXXX  XXXX violated my rights XXXXXXXX XXXX XXXX XXXXXXXX violated rights XXXX XXXX Violated rights XXXX XXXXOriginal creditor : XXXX XXXX XXXX  XXXX rights violated XXXXXXXX  Hard Inquiry violated rights XXXX XXXX XXXX XXXX Credit Card Acct XXXX XXXXvioated my rights XXXXXXXX XXXX Violated rights XXXX rights violated XXXX XXXX -- Rights violated 15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency ( s ) can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is holding my credit reporting for no reason. 
I am in the process of refinancing my home and the lender hasn't been able to retrieve my credit. I have already communicated with the company to resolve the issue and they haven done anything to clear the situation and release my credit report. They asked me to send supporting documentation to verify my identity and they still have not addressed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 XXXX XXXX was bought out by XXXX XXXX. Tihs caused my mortgage account to be now listed as closed and has made my credit score drop into the fair range was it was good before this. It now has caused me to not be able to get a good finance rate on a care and also has disallowed me to get a vacation rental due to credit check. My high balance on mortgage was {$130000.00}. I have called peoples bank numerous times with no avail. Please help to get my mortgage reported so I can get my credit back to whee it should be. I have no derogatory marks or late payments on any of my accounts
Product: Bank account or service

There was false charges on my chase debit card, I called chase that evening after I found those charges. Later that month my claim was denied and I was out XXXX. The charges was made at the local grocery store down the street while I was at work. They claimed my signature matches therefore my claim was denied. I was at work and the card was in my possession. We disputed this charge XXXX called XXXX times and also escalate it to their senior management. They advised me there is nothing I can do to reverse these false charges and I will have to file a police report and handle it with the merchant. Chase bank does not provide the protection that they claim they say they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone allegedly opened up an XXXX XXXX XXXX account in my name. The initial use of the card was {$54.00} at first, below is the current for the transaction information on my credit report. I contacted the XXXX XXXX and they stated, as I know to be true, my account with them was paid off and closed by them in XXXX. It is pure nonsense for them to close my account and then allow me to reopen another XXXX less than 6 months later. I spoke with a representative on the phone and she stated that I must go through the Credit Bureau reporting company individually. My Credit score because of the allowed fraudulence has now dropped by over 20+ points since first reported. I ask your Company take the appropriate steps to close the fraudulent account and repair the damage done to my credit score. Thank you for your assistance in this manner. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$1500.00} / {$11000.00} You're currently using 14 % of your account 's limit. 

Balance {$1500.00} Credit limit {$11000.00} Minimum monthly payment {$39.00} Opened XX/XX/XXXX ( 3 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Open Type Flexible Spending Credit Card Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0Reported XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : XXXX XXXX XXXX XXXX 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 card or prepaid card

In XX/XX/XXXX, we made a deposit of {$1000.00} on our Chase credit card for a hut tub based on incomplete information provided by the salesman. He told us that it might be delayed but that a form we signed didn't really apply as the hot tub was in their showroom. We prepared the site and had electrical work done. 

We were told it was to be delivered and it was not. Finally, in XX/XX/XXXX we said we wanted a date certain or a refund. We were offered various concessions which we declined. We were then offered a full refund of $ XXXX SEE ATTACHED Exhibits L 1-3 ( as we paid other monies on another card ). The other bank is working to get us a refund. 

In part per Exhibits L, we were told that " We understand if these terms aren't acceptable we will gladly refund your deposit and allow you to cancel your hot tub order. '' Also, " It will be the full amount you paid and will be handled Monday. If it was on credit card it will be refunded to the same card. '' To this day, we have no tub and no refund. Despite this, Chase claims the charge was valid! SEE ATTACHED letter of XX/XX/XXXX.
Product: Debt collection

This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

XXXX XXXX Account Number : XXXX Bal : {$4500.00}
Product: Debt collection

Debt collector ( XXXX XXXX Structured Settlements ) claims I have a {$3000.00} debt. They called my mother before ever making contact or mailing anything to me- explained the details of the debt to my mother ( XXXX ) They are threatening litigation ASAP ( as of XXXX ) They have not provided proof of the debt. I have no record of any calls from them before XXXX Claimed it had already been reported to my credit- it is not on XXXX, XXXX, or XXXX as of XXXX Pretty sure this is a scam but I dont want to get sued and deal with law firms and that.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit card

My mother passed away this week and with that I found out that she had taken credit cards out in my name.I did not know about these cards until this week. I have no way of accessing these accounts and do n't even know where these cards are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX XXXX  my idenity was compromised. During this time the inquiries listed on the attached FTC report ere made in my name. I demand that XXXX and the creditors listed on the FTC report remove this from my credit file.
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. 
XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX ( XXXX  XXXX ) # XXXX XXXX XXXX  ( XXXX  ) # XXXX XXXX XXXX # XXXX ( {$7500.00} ) XXXX XXXX  # XXXX XXXX  XXXX XXXX # XXXX. Has violated my rights. 
-15 USC 1681 Section 602 A. States I have a right to privacy.

-15 USC 1681 604 a Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

-15 USC 1681c. A. 5.SECTION States no consumer reporting agency may 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 then report by more than seven years.

-15 USC 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: Credit card

XX/XX/XXXX requested replacement credit card never sent as promised XX/XX/XXXX. Stated it was sent... never received XX/XX/XXXX called again. Getting the run around XXXX XXXXXXXX. Stated card not sent. Going to send again..requested to speak to supervisor. Person hung up on me I WANT MY CREDIT CARD TO CREDITED FOR THE AGGRAVATION AND BEING LIED TO FOR SIMPLY REQUESTING A REPLACEMENT CARD
Product: Credit card or prepaid card

Wells Fargo Financial National Bank keeps putting a negative remark on my credit reports that is incorrect, not authorized and they keep putting this statement on my credit file. 

This is copied directly from my credit report : This is on my WF/XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account status Closed Individual Remarks Dispute resolved ; consumer disagrees, account closed by consumer The individual remarks are being put on my credit file by this company when I have NEVER DISPUTED THIS ACCOUNT : The account is closed, the account was late due to sickness and loss of job but account is now handled by a debt management company and is current. I am not disputing this, I do not disagree but this company keeps putting these FALSE remarks on my credit files and I want them to be investigated. 

This is not the first time that any entity of Wells Fargo has been caught doing illegal things to consumers. I want this remark to be removed immediately and permanently and I do not want it to keep coming back on my file each month. The only remark should be " Account Closed by consumer '' All other remarks and dispute codes should be removed and stay removed. 

I will keep filing CFPB complaints each month that Wells Fargo keeps putting these lies on my credit files. I am sick of dealing with this and if you refuse to remove, if you refuse to initiate contact with me I will escalate this complaint to the FTC and the State Attorney Generals office and if I have to sue you in a court of law over you putting these false remarks on my file I will do so.. 

I have contacted them at WF/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX USA ( XXXX ) XXXX And they refuse to call me back or to comply with my request thus this complaint being filed.
Product: Debt collection

I want to start by stating I never agreed to sign or work with Monterey Coll Svc. However, they are appearing on both mine and my wife 's credit reports. I had requested proof of the original contract with the original creditor reflecting proof that I had acknowledge I was in agreement to work with their organization or allow for my personal information to be provided to another organization and yet they failed to respond with this information. However, they did respond with informing me they will not respond to any of my written requests again because I sent in a cease and desist letters to stop phone calls because I wanted all communication in writing. Are they attempting to get me on the phone to pressure me further to work with their organization? 

Additionally, this organization is reporting as a collection agency/attorney on my XXXX and XXXX credit reports.. isn't this against the law? To continue, this contract was entered into due to predatory lending and misrepresentation. We never agreed nor wanting to sign anything and now this Monterey Coll is continue to affect us negatively. Finally, I requested proof of all information on my credit report and what is being sent for validation as accurate and was sent a letter with no proof of validation documentation included. They are reporting a past due amount on an account I never agreed to have with them and a balance that is significantly greater than what they are saying I owe to the original creditor.
Product: Credit reporting or other personal consumer reports

the following hard inquiries are on my credit report due to fraud. My identity was stolen. According to USC 605B, requires CRA 's to block reporting information due to a result of identity theft. Please delete the following hard inquiries : XXXX - XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to USC 605B, my right are being violated as this is not my address and Ive asked XXXX times to remove it : remove - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga. XXXX PLEASE ADD MY ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA. XXXX *this is my only address* Please add my employer. I've asked XXXX times to update my profile ith accurate information : Employer : XXXX
Product: Debt collection

Received collections letter on XXXX21. Says that creditor is XXXX XXXX XXXX, Account XXXX. 
AFNI account : XXXX balance : XXXX Letter states a settlement offer of XXXX has been suggested. 

states XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Product: Checking or savings account

On XX/XX/year>, my wife and I went to Citizens Bank to deposit a Treasury check into my checking account, and my wife endorsed the check to me. My wife presented her passport card ID, I presented my driver 's license and debit card. The check was deposited into my checking account and I waited patiently for the funds to be available, which I thought would be on XX/XX/year>, because Monday was a XXXX XXXX. On Wednesday morning, XX/XX/year>, I signed on to my mobile banking app and noticed the funds were available. I got into my car and rechecked my mobile banking app to make sure the funds were available and the funds were available. I arrived at Citizens Bank and waited patiently for the bank to open at XXXX XXXX before I walked into the bank, I rechecked my mobile banking app and the funds were available. I walked to the teller and gave her my driver 's license and debit card, I entered the PIN and the teller asked me, how much do you want to withdraw? I told her {$3200.00}, and after a minute or so, the teller told me the funds were on hold. I asked her why are my funds on hold when the funds were available after I checked XXXX before walking into the bank. The funds were available, but after I told her how much money I wanted to withdraw, the teller didn't want to give the money to me. She told me the funds are on hold until XX/XX/year>. When depositing a Treasury check, the funds are supposed to be available the next business day. I never had any issues when I deposit a Treasury check at any other bank and the funds are always made available the next business day. But Citizens Bank didn't follow the rules and wants to hold my check until XX/XX/year> which is unethical. I asked the teller why and other Citizens Bank customer support and supervisor too, but none of them would give me any reason why they are holding the Treasury check for 11 days. I even offered the teller my passport but she said no need to present my passport. Please fix this issue at Citizens Bank because their banking practices are unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my credit report I have noticed that XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX or the company that they are collecting for. I disputed this debt with Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Transunion has failed to validate this Debt and continues to knowingly violated FCRA. Transunion gives me know options on their website to re dispute this debt as not mine. I recently received a response to a dispute on approximately XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Product: Debt collection

A collection agency in XXXX XXXX Washington named SB & C never contacted me that I had an account that was referred to them, they say they called and sent a letter but I never received either. After 30 days of it being in collections they filed a lawsuit against me. When my wife was handed the paperwork she notified me. I called SB & C and told them that they never contacted me and they said that the lawsuit is their attempt to contact. It cost me {$680.00} to pay off a {$350.00} medical bill. I was never notified of a court date, so I missed it. How can a collection agency sue someone without prior contact regarding my account being sent to them. I feel as if the whole thing was a huge con. They would not provide proof that they had contacted me other than just saying that they had. This happened last year but I did n't know I could file a complaint till now. Their tactics are completely unfair and I do n't see how it can be legal to do what they did to me. Any help or information regarding this would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax requesting the following hard inquiries on my credit report that I DID NOT authorize be removed immediately : XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I would have to have the companies remove them. Both company and creditor is sending me back and forth.
Product: Vehicle loan or lease

Ok so on XX/XX/XXXX, I purchased a XXXX XXXX XXXX. While I was walking around the car, I seen the boarder hanging off the clip I show the salesman he takes it to the back and come back saying it was fixed. I went home. I didn't really drive it the next few days. On Monday I work like 40 minutes from my home, and I noticed it was shaking and riding rough. I drove it again Wednesday and noticed the same thing. I called Drivetime and he said I am sending to a link select a shop you would like to complete the repairs and it will be covered under warranty because you have had it for less than 30 days. Well two shops later and a rental car they refused to pay for vehicle to get repaired saying neglect on my part. How??? Both repair shop say that whoever had the jeep before me ran over something big and showed me a sticker on the fender line show it was new. The warrant provider stated that they called Drivetime to see if they were going to help me out and was told no. The warrant provider also let me know that Drivetime replace the fender liner before I purchased it. So, this make me believe they know there was a problem with the wheels why else replace the fender liner? Be drivetime stated they can't speak with me on what was done to my car before I purchased it. SMH. I have tried to call a corporate office and just continue to get consumer relations department. So, I am stuck with repairs that I did not do!!! XXXX I have used Drivetime for years and even referred friends and family. Never no more Date of experience : XX/XX/XXXX Edit Reply from DriveTime Used Cars 7 hours ago We appreciate you reaching out. At the time of sale, we provide an XXXX AutoCheck History Report as a courtesy for each customer to maintain transparency. This report provides the history of the vehicles use, such as any prior accident records, rental or government use, registration flags, or involvement in a theft. Each customer also has the opportunity to inspect their desired vehicle both inside and out during their visit. Additionally, we offer a 5-day Vehicle Return Policy to every customer.
Product: Credit reporting

I HAVE CREDIT ITEMS ON MY CREDIT THAT EQUIFAX REFUSES TO PRODUCE ORIGINAL DOCUMENTS THAT PUTS ME WITH THIS LOAN OR CREDIT ITEM THIS ITEM IS NOT MINE, THE CREDIT REPORTING AGENCY EQUIFAX HAS BEEN NOTIFIED NUMEROUS TIME AND REFUSES TO REMOVE ITEM FROM CREDIT FILE THEY JUST TELL ME THEY INVESTIGATED AND NO CHANGE, I REQUESTED FROM THEM THE ACCUAL PAPERWORK THAT IS SIGNED TO THE CREDIT ITEM ON MY LOAN AND THEY HAVE REFUSED MY REQUEST NUMEROUS TIMES I WILL CONTINUE TO FILE COMPLAINTS UNTIL THESE ITEMS ARE REMOVED, THE ITEMS ARE XXXX XXXX THAT NOW HAS GONE INTO CHARGEOFF STATUS KEY DEROGOTORY BECAUSE I DONT GET A BILL BC ITS NOT MINE SOMEONE TOOK OUT A {$20000.00} LOAN IN MY NAME AND IAM NOT GETTING ANY PAPERWORK ON IT AND EQUIFAX REFUSES TO SEND ME ANY BC IT DONT EXISTS WITH MY NAME ON IT, AND EQUIFAX KNOWS IT ...