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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 I received a notification from XXXX stating my credit rating had change. Upon reviewing my XXXX credit report, they had added a collection to my report. 

The notification stated : - I.C. SYSTEM, INC has flagged your account as Collections on XX/XX/2024. 
- Source : XXXX - XXXX : I.C. SYSTEM, INC - Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX - Phone : ( XXXX ) XXXX - Activity : XXXX XXXX XXXX ( Collections ) - Balance Date : XX/XX/2024 - Balance : {$830.00} The collection was reported by : I C System Inc on behalf of XXXX XXXX for the amount of {$830.00}.

It is a collection that does not belong in my credit report.

Immediately, I filed a dispute to have this collection removed from my credit report to no avail. 

XXXX refuses to remove this false collection from the credit report they publish. 
XXXX, has stopped allowing me the ability to dispute this collection. Unless, I provide documentation for them to consider. 

There is no documentation to provide because this liability is not mine. 

I spoke to XXXX representatives at one point by telephone call to address my dispute, but, we either got disconnected during the phone call or the representative hung up ( I do not know which ). 

During the phone call I asked for XXXX to remove this collection from my credit report and/or to speak to someone in authority to do so. My request was not successful by phone either.
Product: Debt collection

On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

XXXX XXXX XXXX XXXX in the amount of {$7000.00}
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN XXXX BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 or other personal consumer reports

Ford motor credit illegally acted against me cause one of their agents misinformed me before proceeding with a voluntary early termination when I was not in danger of default. We went to court and I submitted a letter outlining the law in the state XXXX XXXX about unfair and devious business practices. Because I didnt have a date on the letter the judge wouldnt rule on it. Then we settled on an amount in court to pay even tho Im completely disputing it and am looking to hire an attorney to deal with this situation cause now they knocked the bill down at zero percent interest but have left the entire balance on my credit as a charge off instead of putting it back as a bill in good standing to pay as per the judge orders. They changed attorneys and playing games with my file and now I cant buy a new car, get a loan or anything cause they screwed up and refused to take any responsibility and continue to abuse me and the law, the credit bureau and my rights as a consumer. XXXX completely deleted this from my credit report and it needs to be deleted from XXXX XXXX XXXXXXXX immediately. I dont even owe the money but they lied and cheated their way to get something after they screwed up! This is causing me extreme issues as put a black mark on my credit and I cant get a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA laws, investigations that take longer than 30 days need to be deleted off my credit report and this investigation took longer than 60 days for verification which was still not accurate. Please review the following complaint and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported non payment through their collector to all credit bureau and that had a massive hit of XXXX points on my credit score. 
I moved out of the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX in XXXX and I have prove of my forwarding address submitted to the apartment leasing office and also XXXX XXXX to forward any closing bill whatsoever. 
They never sent anything to me but only to find out the credit bureau deduct XXXX points from my credit and have the negative remark which will be on my report till XXXX I called XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX TX XXXX to show any prove of letter sent to my forwarding address but they couldnt provide any. 
I paid off the said amount of {$730.00} since last week after I found out through credit bureau but they wouldnt go back to the credit bureau to fix their mess. 
How would I have paid a bill I never received? 
Please help me. 
I have inform delivery on my forwarding address inbetween that period and now so I can prove they never sent me any closing bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Product: Credit reporting

This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Transunion to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.
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 XXXX  Account XXXX, XXXX XXXXXXXX XXXX XXXX  Account XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Accounts # 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: Credit reporting, credit repair services, or other personal consumer reports

I paid credit solution {$100.00} to fix my credit and the company never did anything. they never send me no documents I spoke to the cwustomer service of credit solution and the lady told me that she sent me papers and the paper never arrived to my address I send her through XXXX XXXX a message of a picture that I received from XXXX that she was going to remove that specific account " XXXX XXXX XXXX XXXX " a year passed and i never recived no documentations and no proof of that account that was deleted. She says that they already deleted A XXXX XXXX XXXX XXXX from XXXX credit report and I never had that account on XXXX I only had it on XXXX  she stole my money and they do n't want to give me back the money or they do n't want to do the service neither
Product: Credit reporting or other personal consumer reports

I was denied credit from Citizens Bank, XXXX 's loan provider, on the purchase of an XXXX phone at the XXXX store. There was a loan in my name that I never initiated, signed for or knew about. A portion of the loan was charged off when I became aware when they denied me credit for a new XXXX phone. I spent multiple hours trying to get them to correct the erroneous report that I had a charged off loan balance and the only choice they would give me to to fix this was for me to pay the charged-off loan amount to fix this, which I did. Several months later now, I attempted to purchase an XXXX phone again, and was denied the loan again and the charged off loan, now paid in full was still being used to deny me credit. I have spent hours again with multiple representatives trying to correct this again. I have been transferred to multiple departments and told I need needed to speak to a supervisor only to be told that the supervisors declined to speak with me. I go back to the referring department and again am told that I could not speak to a supervisor or the supervisor would call me back which never occurred. Again today, I was told to call the main number again tomorrow and make another attempt to correct this. So here I am, a consumer with credit reports all in the XXXX range being denied credit for a charged-off loan that was fraudulently placed in my name, that I have spent hours trying to correct, that I was fraudulently forced to repay in an attempt to clear the erroneous information and this Federally chartered bank with regular employees not empowered to correct any problems and who's supervisors refuse to speak with me or listen to their employee 's when they try to explain the situation to them.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my credit report as well some unverified, unauthorized, and fraudulent accounts on my report
Product: Checking or savings account

I deposited {$150.00} into my citi Checking account that was opened XX/XX/XXXX per citi banking app on XX/XX/XXXX via XXXX at the same time a payment of {$35.00} was suppose to go to XXXX but it never got there. I called Citi Bank on Sunday XX/XX/XXXX inquiring on what happened to my money once I saw a NSF fee of {$34.00} hit my account spoke with two different reps when the first one couldn't understand what I was talking about and adsured me there is no missing money I requested a supervisior who informed me that money was infact missing and Citi bank was not paying XXXX. I was told on XX/XX/XXXX by a manager that the missing money would be refunded to me on Monday morning which is a lie for when the money did not hit my account on Monday XX/XX/XXXX morning I called back to Citi Bank who advisded me that the money maybe returned sometime on Monday XX/XX/XXXX but it may also go away since XXXX tried again for pull the funds on XX/XX/XXXX and since the {$35.00} was still missing it too is begining sent back to discover for NSF. Even though manager from XX/XX/XXXX call said I would not get another NSF charge. Now I'm fighting citi bank over {$35.00} they already shorted my account an additional {$1.00} they are theives and should not be trusted. Bottom line of the date and time of this submission I have yet to receive my missing money.
Product: Payday loan, title loan, or personal loan

I was mailed a check from XXXX XXXX in late XX/XX/XXXX or early XX/XX/XXXX. I made several payments through XX/XX/XXXX. As of XX/XX/XXXX, I logged into the website and the account was gone. I attempted to contact them several times by phone and the call just went to a recording. Fast track today, I get a notification on my credit report that there's an inquiry from Tower Loan dated XXXX. I call them and was referred to the local branch in XXXX, XXXX XXXX The representative went through the system and found that my account was sold to Tower Loan from  XXXX XXXX. The representative gives me the Tower Loan account number and current balance along with a {$10.00} late fee. I asked why their was a late fee and the representative told me that a payment was due as of XXXX asked to have the late fee removed because I was not given any notice that the account was sold to Tower Loan. I was told that I was sent notice of them having my account and was not told the late fee could be removed and they would have to call me back. I check my postal mail and e-mail daily and I've never seen anything from Tower Loan providing ownership of the account. I also want the inquiry from my credit report removed because I didn't apply for a Tower Loan account in XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received a call from a person claiming she was from Citi bank and that they are providing a top-up loan of XXXX XXXXXXXX. She called me 1st and then we have a discussion on the Business XXXX number of Citi bank. she asked me to purchase term insurance from XXXX XXXX XXXX for XXXX to get the top-up loan. She sent me the application form on XXXX and asked me to fill it along with my Identity proof. During this whole process I spoke to 2-3 members and they were very professional so I thought it was a legit deal. After I made the 1st payment of XXXX, they asked me to pay another XXXX for Citi bank account opening since I didn't have any, which I paid. After that again they asked me for money and at that time I asked them to cancel my application. It was told to me then that ill get a refund in 20 days but I didn't. After getting of number call from Citi bank customer service I found out that the loan was a fraud and they took XXXX for me.
Product: Credit card

On XX/XX/XXXX  I received notice from Synchrony Bank, that issues and administers the Lowes store credit card. They have unilaterlally changed terms, the most egregious is the imposition of {$1.00} monthly " statement '' fee should I choose to remain on paper statements. Synchrony wants me, the consumer, to pay to receive a necessary monthly statement, especially since I accepted their previous offer for deferred interest, extended payments on a large dollar purchase. Financial companies have a new trick to boost their profits by having the consumer bear their required expenses -- like providing a monthly statement. This is blatant cost shifting to the consumer. It's the new trick. 

I'm asking the CFPB and the FTC to investigate and outlaw these practices. 

Forcing consumers to " e-statements '' without compensating them for their monthly internet access charges is unconscionable ; and should be ( it not already ), illegal. 

Because I am unwilling to accept this shameless corporate thievery, I declined accepting the new terms. Of course, because these are not really " negotiable '' terms, but unilateral, my account was immediately closed. 

Lastly, the new returned check fee and the Penalty APR was increased to astronomical levels : {$41.00} per return payment fee ; and 37 % APR. Unbelievable. What corporate XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts and inquiries, which are a result of fraudulent activity, be immediately removed from my credit report. 
Accounts to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

My mortgage was sold/transferred to Mr. Cooper ( Nationstar Mortgage XXXX XXXX XXXX XX/XX/XXXX. My mortgage has an escrow to pay my insurance and taxes. My XXXX XXXX premium was due on XX/XX/XXXX. The payment was not submitted and I received a cancellation notice with a payment due date and incurred late fees of XX/XX/XXXX. I contacted Mr. Cooper on XX/XX/XXXX. In their response they state my XXXX XXXX had been cancelled since XX/XX/XXXX and that there was a XXXX XXXX policy initiated on XX/XX/XXXX. I've resubmitted my policy statements which detail the policy was active and current up until the change of mortgage servicer. My prior mortgage service had submitted payments and my policy was never cancelled. I have attached all the documentation.
Product: Credit reporting or other personal consumer reports

List of hard inquiries Im trying to remove XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On Tuesday, XXXX XXXX, American Express mistakenly took ~ {$3700.00} from my checking account, overdrawing my account, via an Autopay feature which was set for payment of my full balance, not my minimum payment as I had intended. I called American Express to inform them of the issue and was told I should call my bank to have them reject the payment. I made my intent clear to pay the minimum amount when my payment due date arrived. Long story short, it took one full business day for the rejection to appear on my account, leaving me unable to access money for that day. 

On Friday, XXXX XXXX, American Express again took the same amount from my Checking account. I called my bank immediately to have them reject the payment, but again, this " Autopay '' overdrew my checking account after it had already been rejected for insufficient funds AND after being on the phone with Amex representatives three days ago making my situation very clear. It is Friday, and I am now entering one of the few weekends left before the holiday with a negative balance on my checking account and no ability to spend money. 

Through this nightmare, American Express either refused or was unable to provide a way to stop this " Autopay '' from taking a massive money from my account a second time, and when I asked if they were suggesting this will happen again next week, they said they had no choice but to " let it happen and tell [ my ] bank to reject it. '' Meanwhile, Amex will have charged THREE repayment fees to my American Express card. 

Is this XXXX? It feels like it!