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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX XXXX account # : XXXX Account name : XXXX  XXXX XXXX XXXX account # : 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 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: Debt collection

I called XXXX XXXX and cancel my policy on XX/XX/year>. I enlisted insurance with XXXX XXXX XXXX  starting XX/XX/year>. Although I cancelled the policy, XXXX  still stated I owed them {$1400.00} for insurance that I had cancelled. They referred the debt to XXXXXXXX XXXX  for the {$1400.00}. I spoke to XXXX XXXX  and they told me they wouldnt take the debt off my credit report unless I paid it in full.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize my credit being pulled. They did it without my knowledge.
Product: Credit card or prepaid card

3 fraud charges on my Citi Diamond Preferred credit card, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$140.00}. These charges were disputed with Citi Bank in XX/XX/XXXX when I started receiving late payment emails from Citi. I called them to report that they were fraudulent, I was told they would open a case. I continued to get late payment emails and phone calls asking for payment. I called them many times between XX/XX/XXXX and XX/XX/XXXX and have spoken to many representatives who say this will be resolved, there are language barriers and most of the reps seem to have trouble understanding. There were 2 cards involved, the original card that had the fraud and a replacement card they sent me. Apparently all the fees and late charges from the original card were transferred to the new card ( I canceled this new card on XX/XX/XXXX ) because I want to end my relationship with them due to their incompetency in resolving this issue. I sent them a letter dated XX/XX/XXXX explaining all of this in writing, I have not received a response. What concerns me the most is that this has impacted my credit score which has always been in the low XXXX 's now it is XXXX. I became a widow 2 years ago and count on my outstanding credit for my future needs. 
Before these fraud charges occurred I had not used this card in a few years, I should not be responsible for any amount due. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Before and after closing this account in XX/XX/XXXX, Paypal Mastercard c/o Syncrony Bank added late charges and interest to the payments which made it impossible to make minimum payments. My spouse lost his job XX/XX/XXXX and I continued to make minimum payments but Syncrony reported that no payments were made. I made arrangement with Syncrony in XX/XX/XXXX of {$140.00} XX/XX/XXXX and {$47.00} for 5 months thereafter to be automatically withdrawn from my bank checking account each month. On XX/XX/XXXX, {$140.00} was withdrawn from my checking account, yet Syncrony Bank reported that it was a missed payment to the three credit bureaus. This is fraudulent and predatory lending by Syncrony as they are the account holders of a few of our other accounts where payments have not been reported accurately.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed an inaccurate account and according To be fair credit reporting agency whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX Is not complete nor is it accurate XXXX XXXX XXXX Open date is not reporting correctly the date last active the date of last payment is also not accurate.
Product: Credit reporting or other personal consumer reports

ChexSystems Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Request to Pull Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to request the retrieval of my consumer report from ChexSystems. I believe it is imperative to obtain this report for [ state the reason, e.g., applying for a financial product, rental application, etc. ]. 

Below are my details to facilitate the process : Full Name : XXXX XXXX Date of Birth : XX/XX/ Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX IL XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free copy of my consumer report annually. If possible, I kindly request that you provide this report to me at your earliest convenience. 

Please find enclosed any necessary documentation required to verify my identity, if needed. Should you require any further information or have any questions regarding my request, please do not hesitate to contact me using the details provided above. 

Thank you for your prompt attention to this matter. I look forward to receiving my consumer report from ChexSystems soon. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2022 i purchased a car rental that was prepaid through XXXX. Upon picking up the car from XXXX XXXX XXXX in XXXX Hawaii XXXX I was informed that my card was needed for incidentals, they asked if I wanted insurance, I declined. 
Upon returning the car which had several issues we attempted to resolve with the company through out the duration, the worker XXXX and XXXX informed us to find our own way to the airport and Refused to give me my contract. When I arrived home, there was a charge in the amount of {$180.00} for insurance, which I declined. Their contract was not my signature and had several discrepancies from the blank one they emailed me. XXXX refunded the car rental portion for several other issues and now, my chase prime credit card is refusing to refund a charge that was never approved and not signed by me. I have file complaints against the car rental company for fraud as well. After researching the company, sadly it was found that they have done this to several consumers. 
Ive attempted to resolve this charge 4 times with chase, provided all my information including the forged contract and the difference between the one I have and they still said I made the purchase even though I Showed proof that XXXX refunded their portion and several Other items supporting my Claim.
Product: Vehicle loan or lease

I normally pay my Wells Fargo auto finance account on line. I was unable to go on line to make my auto loan payments because the online account was locked. Unfortunately, do to my work schedule it was difficult to meet their call hours. I never received a bill and continued to try to pay my car on line. 

I finally received a letter from Wells Fargo stating the full payment but call because they have payment options. I have the car in my possession. I told then I will pay the arrears. They denied me and told me I would have to pay {$9000.00} a month for four months for the car not to get repossed. I asked if I could speak to a supervisor she said they would give me the same offer. She told me that was my only option. 

I called back again and got a rep who was a little more understanding. I told her I was locked out of the account and I never received a bill. She stated I could pay {$3000.00} a month and the car will not be repossed. I will not receive anything in writing in reference to my agreement. The car would remain as a charge off. 

I told her can I get a letter stating the new agreement. The rep said no. This is just verbal and there is no agreement in writing stating my car will not be repossessed. The rep kept assuring me the car will not be repossed if I make this monthly payment for 12 months and I will not get a bill every month. I would have to remember when to pay and I will not get any paid invoice.I kept telling them I was locked out of my account. 

I told her I would have to call her back because I just don't think this is fair and its unjust I can pay the arrears. There were no monthly bills made and she did admit the account do get locked out. 

I didn't agree because
Product: Mortgage

My loan reverted to the original predatory note from XXXX XXXX XXXX XXXX. I have asked via my rights under respa to understand for 90 days with no response : 1. Why my payment is going from XXXX to XXXX with no notice and why I was told my mortgage would adjust to XXXX ( in writing ) and then it went to XXXX. 
2. Detailed Itemized Summary of payments and fees that have caused my loan to go from XXXX to XXXX in principle. I am told no history exists and they can not provide the exact details of what fees were charged.
Product: Debt collection

Since XX/XX/XXXX of XX/XX/XXXX, I have been trying to get an explanation from XXXX XXXX XXXX as to why my rate was increased. I spoke with XXXX XXXX of XXXX XXXX XXXX of XXXX, TN, who was my insurance agent at the time, because there was no explanation for the sudden raise of the rates of two vehicles. She was unable to explain the use of coding by XXXX except to say that it had something to do with an accident I had in XX/XX/XXXX. I had zero accidents in XX/XX/XXXX but because I have been the victim of Identity Theft in the past, I wanted an explanation of where exactly this alleged accident happened and when. I asked her to have XXXX call me to explain because I could locate no telephone number for them in my paperwork. Knowing that insurance companies routinely check credit reports, I also needed to explain that my exhusband had gotten 8 credit cards in my name and without my knowledge that were addressed by the court. I was still going through the divorce when I first contacted XXXX XXXX of XXXX, TN but she had been told about the credit cards. The divorce was not finalized until XX/XX/XXXX because my attorneys kept forgetting things and had to file amendments. XXXX did not call. I stopped paying the premium and sent them a letter of dispute in XX/XX/XXXX of XX/XX/XXXX. XXXX 's response was to turn the account over to Transworld Systems , Inc., a debt collector, using the amount I disputed. The debt collector forwarded copies of statements issued in XX/XX/XXXX in which I was advised that they were cancelling my policy due to non-payment ( of the disputed amount ), XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX. Those statements did not detail the charges. I do not wish to pay more than I owe since I am on XXXX and both cars sat parked in my driveway from XX/XX/XXXX due to my XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX I  got rid of both cars and can no longer drive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid off in XXXX of 2023 but was recently reported to XXXX, Equifax, and XXXX as open. Please update the status to show paid in full.
Product: Debt collection

Called my relatives on XX/XX/XXXX and gave out birthday and SSN over the phone to them. Spoke abusively to my wife when tried to call back about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act has violated several of my rights. 

XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. Dept of EdXXXX - XXXX XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 2B - report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C 1681 section 602 states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$190.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff, XXXX ( hereinafter XXXX ) is a resident of North Dakota. 
3. The Defendant, XXXX XXXX, ( hereinafter XXXX. ), is a Ohio Corporation, with its principle address at XXXX. XXXX XXXX, XXXX, OH XXXX. 
4. XXXX. is the creditor with account ending in # XXXX. XXXX. alleged XXXX owed {$3000.00}. 
5. By XXXX reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX. 
6. On XX/XX/2018, XXXX sent a letter to XXXX. advising to validate the account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
7. There is evidence the Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
8. XXXX failed to comply with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b. 
9. On XX/XX/2018, XXXX attempted to send a 2nd letter requesting XXXX. to once again validate the account. 
10. The Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
11. XXXX. responded with a letter on XX/XX/2018, stating the request was determined to be the same dispute and just ignored the request. They AGAIN failed to comply again with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b. 
12. On XX/XX/2018, XXXX mailed a 3rd letter to XXXX. advising them to Cease and Desist any further contact with him regarding this account. 
XXXX. The XXXX received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
14. The Defendant contacted XXXX via mail regarding the account dated XX/XX/2018, said contact after a Cease and Desist letter is in breach of the law. 
15. XXXX. Violated FDCPA Section 805 ( c ) for contacting the Plaintiff AFTER receiving the Cease and Desist letter. 
16. XXXX. still continues to damage XXXX credit score by reporting this negative and incorrect information to the credit bureaus. 
17. XXXX. has further violated the Fair Credit Reporting Act Section 623 when it FAILED to report to the three major credit bureaus that the account was being disputed by the consumer. 
18. SEE ATTACHED PROOF There are copies of my Credit Reports from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. Look under Comments- THEY FAILED TO REPORT THE ITEM AS DISPUTED. This VIOLATES Federal Law.
Product: Debt collection

XX/XX/22 American Express called my husband and discussed my account with him when it is in my name only. My husband has nothing to do with this account
Product: Debt collection

On XXXX I received a letter in my mailbox from my employer XXXX about a garnishment. XXXX never gave me notice, no call, no email about garnishing my check on XXXX. Second Complaint, Asset Acceptance LLC never gave or received any type of notice about any notice about garnishment. The XXXX XXXX I never heard of the company in my entire life XXXX never gave me any type of notice about any garnishment no letter, no email, no phone call until now 16 years later. Attorney XXXX XXXX XXXX XXXX never gave me any type of notice about a garnishment but he gave me the run around when I requested for a copy of the original loan for XXXX about his computer system was down. Statute Of Limitations is 10 years in the state of Mo.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I reviewed my new credit report and i saw information which i believe, doesn't belong to me, it negatevely affects my credit score, so i am writing to dispute inquiries on my credit report : XXXX XXXX - XX/XX/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 XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX these inquiries are not related to any transactions I have made!! This indicates potential identity theft. After a thorough review, I believe that there has been a misunderstanding or error concerning this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this error on my credit report for the past 4 months and nothing has changed. I am now being violated as a consumer and these bureaus are causing me XXXX XXXX  by reporting inaccurate late payments on my credit report. I have never made any late payments on any of my accounts yet these bureaus are still being stubborn by reporting the XXXX late payment on XXXX of my student loan accounts. This will be my final attempt to rectify this situation as it is highly affecting my credit score from what it should be reflecting as currently. EQUIFAX IS ALSO WELL OVER 30 DAYS OF RESPONDING TO MY LETTER THEREFORE THE SIMPLE ITEM I AM REQUESTING TO BE UPDATED NOW MUST BE UPDATED BY LAW.
Product: Credit card

On XX/XX/ 2023, I used my XXXX XXXX XXXX credit card to do a Balance Transfer to my existing high interest Capital One Venture Card. My husband did the same That transfer of about {$40000.00} went out of our XXXX XXXX account but it is still not showing up on Capital One account and now they have locked us out of the Capital One Account and frozen our rewards miles because they allege that there is some fraud lock out. They state that the only way to resolve this would be to send our Credit Card statement from XXXX XXXX to them. However, there is no credit card statement available since it is only 2 days since that account was activated. If we have to wait one more month to send the credit card statement, they will charge me interest at 24 % for the existing balance of XXXX. They are holding my funds from XXXX XXXXXXXX XXXX and at the same time charging me interest. Can you please help. We have paid XXXX XXXX a balance transfer fee of close to {$2500.00} ( Which by itself should not be charged ) and now we are paying a daily interest at 24 % for {$40000.00}. Can you please resolve this matter immediately. We are poor self-employed individuals who used the credit card during the XXXX season for purchases and now we are being penalized by the big banks.
Product: Debt collection

I was served by the court in XXXX of XXXX for a debt that XXXX XXXX services says that I owe. I had a mediation with them about the debt in XXXX of XXXX and have disputed this debt plenty of times from my credit report in previous years saying that this account did not belong to me. The original company was Synchrony Bank. XXXX only sent me copies of statements that listed my previous address in which I do not live there anymore. They told me that the account was charged off in XXXX or XXXX of XXXX. They only provided 2 statements that had my previous address on it showing that I made a payment of 75.00 in XXXX of XXXX. I went back to my bank statements of that year and there is no record of any such payments. The man from XXXX says that its burden of proof because they have my name and an address that I used to live at. I asked for an original contract that shows where I signed for this debt and he told me that they didnt have to provide that and that they have everything they needed to proceed to take me to court. I dont even know the original date that this account has supposedly originated.