23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I escaped from an abusive marriage last year and moved to Washington state. I have lived here for two years now with my family which is why i was shocked to receive a bill from the apartment that i shared with my ex husband when he moved out. Now the whole reason i left XXXX XXXX was due to the police knocking on the door ( when i lived in XXXX XXXX ) if my apartment saying i was unlawfully trespassing by being inside the apartment with my brand new newborn baby because i was not on the lease. I had been removed prior because of the XXXX XXXX. I have contacted the collection company many times they have said they would remove it if proof was mailed. I faxed over proof and they did nothing. I have contacted the orgianl creditor. They stated they no longer own that property and have no records which i know cant be true and even if so i have proof a letter from the current leasing staff saying i was being removed over a year ago. Not only do i need this gone but Id love to have peace of mind knowing this wont happen again
Product: Credit card or prepaid card

They lowered my credit limit and stated it was because of what the credit bureaus notified them. I spoke to all 3 bureaus and they state they didnt. Ot notify them of anything as the company would have to request. I've heard of Comentity doing this to XXXX Americans quite frequently and it is very unethical. I have an extended fraud alert on all 3 files and I didnt give anyone permission to access my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries.

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives.

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results.

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

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

Dear Sir/Madam, I am writing to formally dispute and bring to your attention violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following accounts : 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 XXXXXXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, my rights have been infringed upon in the following ways : Right to Privacy : Under 15 U.S.C. 1681 ( a ), I have the right to privacy concerning my credit information. However, it has come to my attention that the above-mentioned accounts have mishandled my personal information, violating my right to privacy as outlined in the FCRA. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. Each of the aforementioned accounts has reported information to credit reporting agencies without obtaining such instructions from me, thereby violating this provision of the FCRA. These unauthorized disclosures have caused significant distress and potential harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against the responsible parties to ensure compliance with the FCRA. Enclosed, you will find copies of relevant documentation supporting my claims, including credit reports, and any correspondence with the respective account holders. I appreciate your prompt attention to this matter and look forward to a resolution. Should you require any additional information or clarification, please do not hesitate to contact me at the contact information provided above. Thank you for your assistance in protecting consumer rights under the FCRA. Sincerely,
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


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, credit repair services, or other personal consumer reports

Someone tried opening accounts with this creditors. This accounts do not belong to me : SYNCB/TJX CO Bank Credit Cards SYNCB/TJX CO Bank Credit Cards XXXX N A XXXX XXXX XXXX XXXX
Product: Bank account or service

I was a perchasing a truck through XXXX and I was given a bank account to make a deposit at Wells Fargo bank I did so but things began not adding up I contacted wells Fargo and told them the bank account was being used for fraud transactions I was told the money was still In the account and that in order to get it back I had to file a police report I did and the officers also were told the MOney was still in the account the officers told the bank they needed to freeze the account until they could get prosedures done to investigate further the bank no longer would talk to me about the money and they even let the person withdrawal all the money knowing it was a fraud account they had been aware of that from me and the police department
Product: Credit reporting or other personal consumer reports

There are Two accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent Equifax a letter informing them of unauthorized collection on my consumer report. I requested them to be removed from my consumer report they have not responded back to me.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

XXXX 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 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 or other personal consumer reports

I am writing to express my disappointment with the information provided regarding unauthorized inquiries. The following inquiry was not authorized and should not be reporting.
Product: Debt collection

In XXXX of XXXX, I got a copy of my credit report and noticed reporting of ARS credit collections. I reached out to them in an attempt to dispute the matter and asked them to verify the account as mine. The company in turn sent me a internal bill with none of the method of validation I requested.
Product: Payday loan, title loan, or personal loan

Have called creditor several times to have credit report updated with the credit bureaus. Still being shown as open with a balance on XXXX. Have spoke with the Resolutions department at Balance Credit multiple times. Today being XX/XX/2022 spoke with XXXX. Said the account has been reported as closed paid in full as of XX/XX/2022 and was manually inputted to the bureaus. But according to XXXX as of today XX/XX/2022 account is shown to be open and accurate with balance owed of {$1600.00}. I have filed disputes with XXXX on XXXX/XXXXXXXX and XX/XX/2022 and the problem never gets corrected. I have documentation supporting the payoff date. The creditor does also and they always agree that this particular loan is paid in full. I do not understand how they can continue to show something that is clearly paid in full and not be accountable. It is damaging to my credit score for something that is not owed.
Product: Checking or savings account

My wife and I have 2 savings accounts that were with XXXX. XXXX transferred our accounts over to Citizens Bank. 

We recently tried transferring {$25000.00} out of our savings account at Citizens Bank to our checking account at XXXX Bank and we were informed by Citizens Bank that we couldn't withdraw funds even though we had a nearly {$60000.00} balance. All of the funds are seasoned... They are payroll deposits that have built up over time- so there were no recent large deposits with holds, etc. 

When we tried transferring the funds using their online banking feature, we were informed that the cap was {$10000.00} per month. When we called in ( after being transferred over and over again and waiting over a half hour on hold ) we were told that the maximum we could transfer was {$15000.00}. I asked for a supervisor and they told me it would be another 20 minutes on hold. 

I then asked them to close my accounts and they told me that I needed to have a {$0.00} balance in order to close our accounts. I can't have a {$0.00} balance if I can't withdraw or transfer my funds. 

All my wife and I want is our money out of this horrible Bank ( that we didn't even choose to do business with in the first place ) and to close our accounts there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 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 statutes. Please correct or update the account : MTBANKES XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8700.00} XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Please remove the account :XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Debt collection

XX/XX/2021 I received a letter from Phoenix Financial Services claiming I owe a debt to ACH XXXX XXXX XXXX XXXX XXXX. Not knowing who that is I went to the companies website listed on their letter only to see that their website does not exist. Questioning this is a fraudulent company. I called the number listed on the letter and a woman answered and made no attempt under the FDCPA to Identify me nor read me the required FDCPA Disclosure ( mini-miranda ). I informed her I was an attorney specifically in the collection industry and requested documentation of services as defined in the New Mexico ( state of my residence ) Patients Debt Collection Practices Act. She said I was making that up and she only adhered to the " Fair Credit Act ''. I asked if she was referring to the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ), she replied " the law of the land ''?? Assuming she is not trained as a collector I asked for a Compliance Manager. Another woman came on the line and stated that the Medical Center in question was in Omaha NE. I informed her I live in New Mexico, not Nebraska.  She said she did not know much else. I asked for statements, she asked if I wanted to pay my debt. I outlined my dispute and complaint and she told me to get an attorney and hung up on me. 

** '' Get an attorney '' would be inferring to the least sophisticated consumer a threat of legal action. 

XXXX*The 1st rep did not state the FDCPA disclosure, mini-miranda **Refused to provide statements outlining services as dictated under XXXX XXXX Debt Collection Practices Act **My Dispute was not accepted and this debt is reported to my credit bureau. 

*****The letter was sent from a known 3rd party vendor, deemed a violation by the 11th Circuit decision of Hunstein v. Preferred Collection stemming XXXX 's of " XXXX '' type cases to be filed in every court. 

Pre-Suit Demand 1. Waive this debt 2 Delete this credit reporting 3. Restitution of {$1000.00} per violation outlined above. 

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

I have wrote several letter to BMW financial and called several time to BMW Financial to speak with the proper department or a manager to resolve an issue in regards to my current lease and reporting on my credit bureau.I would like to be able to speak and get in contact with the management team to discuss my account and credit reporting.
Product: Credit card

I am writing to express my deep dissatisfaction with the handling of a fraudulent charge on my Capital One credit card account. I have been a loyal Capital One customer for many years and have always maintained my account responsibly. 

Recently, I discovered a fraudulent charge of {$500.00} on my credit card. I promptly reported this unauthorized transaction, and Capital One provided a provisional credit for the amount. However, to my dismay, this provisional credit was subsequently revoked without adequate explanation. 

Adding to my frustration, I have been in contact with the merchant associated with the charge, and they have confirmed that they are on my side, recognizing the charge as fraudulent. Despite this support from the merchant, Capital One has failed to permanently credit my account for the disputed amount. 

I find it unacceptable that Capital One is the only issuer among my credit card providers that has given me issues with resolving fraudulent charges. This experience has caused me considerable inconvenience and distress, and it is not reflective of the level of service I expect from a reputable financial institution. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution.
Product: Credit card or prepaid card

Synchrony Bank/Paypal Credit is charging me for disputed charges from a merchant ( XXXX XXXX ) of {XXXX}. I never received the item and the merchant was made aware of this and indicated a credit was going to be applied back to my account. The credit card company has not confirmed any credit having been applied back to my account and infact has re-charged me for the disputed amount. The merchant indicates they did credit me back and to deal with the credit card company. I need immediate intervention by the CFPB as what has occurred is a clear violation of my consumer rights as I have provided copies of all correspondence from the merchant regarding the credit being due and being submitted to Synchrony Bank yet they have still continued to charge me??? Need this resolved immediately as they are again billing me for these charges and will assess late/finance fees if payment is not made... I am not going to make any payment and trust you will give this your prompt attention. Thanks. XXXX XXXX XXXX
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 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 an 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 or 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: Debt collection

Governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of Social Security Number : XXXX Phone Number : XXXX XX/XX/XXXX To Whom It May Concern, Dispute Department I am writing to formally dispute several inaccuracies on my XXXX credit report. Below are the details of my disputes : **Dispute 1 : ** **Account Information : ** - **Account Name : ** XXXX XXXX  - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX, DE XXXX - XXXX*Account Number : ** XXXX The account and its reported balance do not align with my financial history. I have previously submitted multiple disputes, an identity theft affidavit, a fraud report, and a police report regarding this matter, yet no corrections have been made to date. 

**Dispute 2 : ** **Account Information : ** - **Account Name : ** XXXX XXXX - **Bank Name : ** XXXX XXXX - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Similarly , the account and its balance do not belong to me. This issue also pertains to identity theft and fraud. I have submitted all relevant documentation required for resolution multiple times, but the inaccuracies persist. It is crucial that the incorrect balance on this account is addressed promptly, as I have reported this as a case of identity theft. 

Thank you for your attention to these matters. I look forward to your prompt response. 

Sincerely, XXXX XXXX Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my XXXX credit report. The following are the details of my dispute : Dispute XXXX : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute XXXX : XXXX XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

Sincerely, XXXX XXXX Your Inquiry to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX - CARD SERVICE Inquiry : XXXX. XXXX. XXXX + XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX  XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX  Inauiry : XXXX. XXXX XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Mortgage

Carrington Mortgage Services released my social security number to another customer. That customer contacted me to inform me of what had happened and said they would delete the file. When I went to XXXX XXXX who released my info, I was told that never happens. That is not good enough. I feel that company should provide me with credit monitoring at their expense! This company from the start was neglegant beyond belief! XXXX our purchase property address, which they claim was a mistake on my end of course. I think I now where I live! They sent me a Uniform Residential Loan Application that XXXX XXXX, not myself, filled out showing our present address as XXXX XXXX as well as the purchase property. I also told them my grandmother needed to walk away with $ XXXX, they listed that as the purchase price making that inpossible after all of their fees. Also, he listed my husbands employer as XXXX XXXX XXXX and not his current one of XXXX XXXX. This is not the credit app I filled out! After complaining about these mistakes I was told they fired XXXX and I was not the only loan that he XXXX. I do n't believe that either! After over 60 days of promises to close XXXX different times and providing us with our locked in rate and approval they denied us stating our debt to income was all of the sudden an issue. I saved every email from the start of this companies lies. It is now XX/XX/XXXX and we have yet to receive anything about our denial and why all of the sudden it occured. The whole experience with this company was horrible and they should be aloud to provide servide to anyone!