23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was given a notice to wit 3 days to vacate not for non payment. XXXX XXXX ( XXXX  management ) sent me a move out statement I disagree with the amount XXXX  XXXX refused a payment plan. I have contacted ProCollect personally several times and an attorney reached out to ProCollect. XX/XX/2023 I began email communication with XXXX XXXX with ProCollect. XXXX XXXX would not accept a monthly payment plan and he noted my file contains : I refuse to pay the debt. XXXX  XXXX property XXXX  management corporate office stopped communicating with me and would not agree to a monthly payment plan or a payment settlement agreement. I am on fixed income and unable to work a job due to my o medical and behavioral health challenges. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Bank of America 's refuses to credit cardholder {$2300.00} for a fraudulent transaction based on prior history the merchant submitted to BoA, and not on any documentation which proves the cardholder originated and approved the fraudulent online transaction being disputed. The cardholder does not deny having a prior history with the merchant since the cardholder was leasing an apartment from the merchant. Prior relationship with the merchant does not constitute proof that the cardholder originated or authorized the fraudulent online transaction payment of {$2300.00} to XXXX XXXX, and is the reason why the cardholder filed a fraud complaint to begin with. BoA 's automated fraud filter decided to unilaterally close the cardholders claim without allowing the cardholder the opportunity to respond in a timely manner, thus denying the cardholder 's due process rights to receive a fair dispute resolution process. The cardholder was then forced to pay the {$2300.00} charge plus {$220.00} interest charges in order to avoid his excellent credit rating from being damaged.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some inaccurate information. Upon reviewing my report, I noticed a that I have 1 late payment that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. This account has never been late. Attached is a copy of my credit for the following date XX/XX/year>. I am requesting that you investigate and provide verifiable proof that I had a late payment. If the information can not be provide, please update this payment to on time, immediately. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Bank # XXXX, has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have the Right to Privacy 15 U.S.C. 1681 section 602 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 
I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I received a letter in the mail from Source Receivables Management dated XX/XX/2021. This is the first letter that I received from this company. It is regarding a bill on the letter it stated that I had 30 days after receiving this notice to dispute the validity of this debt, or any portion of the debt. I sent my response letter dated XX/XX/2021, certified and per the tracking, results were delivered on XX/XX/2021. As you can see this is well within the 30-day notification window. By law, if a consumer requests validation of debt the creditor should not report this to any credit reporting agency until I have had my legal timeframe to validate the debt. I have yet to receive a response from Source Receivables Management, but just yesterday it started reporting on my credit report to every agency. This collection account needs to be deleted from my credit report as I was not given my legal right to validate this debt.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1996 Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Checking or savings account

On XX/XX/year> my account and cards were compromised I immediately told them when they sent email about transactions, they froze my account and I was required to show documentation to get it released, I informed them again about the transactions and all cards connected to account were reported lost and stolen. After the account was reinstated I was informed to submit disputes. After submitting disputes I received correspondence that no error occured and they will not move forward. All transactions on XX/XX/year> were unauthorized.
Product: Debt collection

This company called and disclosed information to my sister in law, who has my wife 's old phone line ( my sister was able to disclose some information about me ). Upon informing this company of this mistake and requesting that they no longer contact my sister in law, they agreed. However, they have contacted her again, several times.
Product: Credit reporting or other personal consumer reports

I had a credit card debt and paid it off almost 3 years ago. I keep reporting it to the credit agencies who keep telling me they are going to remove it and they never do.
Product: Mortgage

We received a 2nd mortgage from CitiFinancial , Inc. on XX/XX/XXXX. We received an offer a few months later to borrow additional funds at a lower rate and rewrote the 2nd mortgage with CitiFinancial , Inc. on XX/XX/XXXX. The loan on XX/XX/XXXX included a payoff of the original loan on XX/XX/XXXX. 

We are now in the process of selling the home and the loan servicer filed a release of the XX/XX/XXXX loan on XX/XX/XXXX ; however, there was no release filed on the original loan when it was rewritten on XX/XX/XXXX. We have to get this cleared up before we close on the home. If we do not, the lender will pay the amount of the XX/XX/XXXX to CitiFinancial, when it was already paid in full. 

Please advise what we can do to clear up this issue. I have contacted CitiFinancial,  however, you can only reach them by email or by leaving a message.
Product: Consumer Loan

Dear CFPB, I received a letter from BMW via MY BMW online account stating that they would reconsider my application for refinancing of my vehicle which I financed through them, as a brand new purchase in 2011. 
Today, the refinance agent told me that the decision was made and I could get a co-applicant but it basically would not help me keep my vehicle ; I would need to trade it or sell it on my own. 
When I mentioned I received an email reply to how I could get my BMW refinanced through BMW since I am already financed through them, the agent said he had never heard of the person I received the reply from and that the reply did not matter because they were not going to refinance my vehicle even though I have been financed through them for the past 5 years.
Product: Credit reporting or other personal consumer reports

I have not been able to reach anyone at this company and I have never had any type of account with them, IC System XXXX XXXX XXXX XXXX XXXX Credit Card I ahve never done business with any of these companies Thank you
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 XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX # XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting

Experian shows a Bankruptcy on my credit report. I do not have ANY Bankruptcy. I disputed the information with Experian. Experian said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX XXXX XXXX XXXX XXXX. We have completed our investigation and the disputed information in your XXXX XXXX XXXX report has been modified or deleted where applicable. I sent the XXXX XXXX investigation letter to Experian but the negative sill appears on my credit report. Letter was sent XXXX XXXX, 2016 via USPS certified mail. Letter was signed for on XXXX/XXXX/2016 at XXXX XXXX and I am in possession of the return receipt.
Product: Debt collection

I have asked numerous times not to be contacted by Encore and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.
Product: Checking or savings account

XX/XX/XXXX received notification that a XXXX XXXX  was opened on my US bank account. 

Immediately, I contacted the bank to inform them that this was fraud and I did not open this account. 

My state of domicile is Washington XXXX. This fraudulent account was associated with an address in Illinois, of which I have no association. 

The bank assured me that the account was frozen and they were working to resolve the issue. They told me they heightened the security on my account, requiring additional identification for any account action. 

The account remained ( and remains ) open. Upon attempts to contact the bank, I was left on XXXX XXXX hour long holds and advised to call back later. This cycle continued. 

XX/XX/XXXX - I received notice that XXXX safe debit account application had been submitted under my account. I once again did not apply for this card. Efforts to contact the bank once again were in void. I am currently geographical unable to access the banking branch in person. 

Both of these XXXX safe debit accounts were opened fraudulently, without my knowledge or consent. I wish to have them both closed immediately. Efforts to express this to the banking branch have been fruitless. I am unable to contact them the majority of the time, and when I get in contact they assure me it takes a while.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize the below credit inquiries from XX/XX/XXXX & XX/XX/XXXX. 

XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX Certified Credit Rep XX/XX/XXXX XXXX Mortgage XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ) appearing on my Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/year> under the XXXX account. These accounts have resulted in several fraudulent charge-offs, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Payday loan, title loan, or personal loan

I took a XXXX dollar loan out I have paid roughly XXXX dollars. I went on the web site thinking it was paid off, to my surprise the XXXX dollars only XXXX went to the loan. So my payment being paid biweekly was XXXX only XXXX dollars went to the XXXX every pay period. So on a XXXX dollar loan if I didnt catch this I could have payed over XXXX dollars on a XXXX dollar loan. How is that even legal? I would have never gotten this loan if I had known this. When I called the supervisor still wanted me to pay the XXXX. So that would still put me paying XXXX on a XXXX dollar loan. I was never explained that I would be paying interest every other week of XXXX dollars. They have gotten roughly XXXX dollars and only XXXX went to the XXXX dollar loan. This is crazy and how many more people have they done this to. There has to be fraud somewhere.
Product: Checking or savings account

In XXXX I filed a claim for a transaction in the amount of {$95.00}. I did not recognize the transaction. Chime denied the transaction within hours of my submission. I asked for the documents used in the course of their investigation on XXXX XXXX. Chime responded that it could take XXXX days to provide me with these documents. On XXXX XXXX I still had not received the documents. I called and spoke with XXXX around XXXX. She advised that Chime emailed them to me on XXXX XXXX. However, I have my own domain email and email server and can check the email logs to the most granular level. A search of my server logs from XXXX XXXX to XXXX XXXX shows no email from Chime was sent, received, rejected, or deleted from my email address. Claim ID XXXX
Product: Credit card or prepaid card

A XXXX credit was opened in my name with synchrony bank. I have since closed all XXXX accounts.. I have notified synchrony bank that it was fraud, filed disputes with the credit bureaus and filed an FTC report for identity theft. Someone keeps coming back saying it is not a fraudulent account. I did not open this account nor use this account and I will not be paying any more on this account. I made the first minimum payment on the account when I saw it was opened in order to avoid more negative impact on my credit reports. I will not be making any more payments on this card as it is not mine. I also was able to recoup some of the charges from the merchants in a good faith effort. I want this account closed, removed from my credit report and charged off as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to Experian and XXXX a collection in the amount of {$16000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) As part of my divorce settlement, my ex-husband was awarded ownership of the property. I immediately contacted XXXX XXXX XXXX to request they notify me should this account ever be in danger of reporting late payments. I wanted to make sure that if the account was in jeopardy that I would be able to make these payments to avoid any negative reporting on my credit report for the lack of due diligence of making the timely payments by my ex-husband. The account was reported as having late payments and I was never notified by the bank as requested and consequently the residence went into foreclosure before I could do anything to stop the foreclosure proceeding. I am not legally responsible for the property however, the lates and foreclosure are showing up on my credit report. This false reporting has cost me over 80 points on my credit score. This lack of correspondence and follow through from XXXX XXXX XXXX has seriously harmed my credit score and this line item needs to be removed. XXXX is reporting correctly. I no longer had any legal responsibility to this loan however, to assure that the loan was never to go into default, I wanted to cover my bases with XXXX XXXX XXXX. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bank as well as the bureaus to remove this however, I have not been successful.
Product: Mortgage

2nd complaint against this servicer in past week. This complaint is different than the first. The company has failed to pay my county property tax which was due 4 weeks ago, yet have other {$3000.00} in escrow account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. Specifically, my credit file includes names that do not belong to me. These errors may be impacting my credit profile, and I request immediate action to correct them. 

I have contacted the credit reporting agency/agencies regarding this matter, but the issue remains unresolved. I am requesting that they remove any incorrect names and ensure that only my legal name is associated with my credit file. My only name is XXXX XXXX XXXX and NOT the others listed on my account. Those are NOT my name. 

Attached are copies of my identification and any supporting documents to verify my correct name. Please investigate this matter and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and assistance. I look forward to your prompt response.