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

This company continues to violate my consumer rights when i send my letters and ask for proof of verification on the account they say they verified but i nere get a response.
Product: Mortgage

I am a first time home buyer working with PRMG who has closed out my file without providing me reason as to why my file was closed. I believe I am being discriminated by this company as I have paid for an appraisal and was not given a new appraisal. The appraisal provided was given by 3rd party lender who I was working with prior to working with XXXX, XXXX XXXX and XXXX XXXX. I paid for an appraisal and was not refunded. I believe these loan officers took my credit information and ran my credit without intention to provide funding for my purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

To : USAA XXXX Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the USAA myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated.

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to USAA. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account.

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was XXXX. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts listed below : XXXX XXXX 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: Debt collection

On Saturday XX/XX/2022 whole checking my credit report I noticed a drop in my score. With further research I came across a collection company that I had no previous interaction or knowledge reporting falsely on my credit. I have no way of contacting this company because no letter or phone call have been placed to contacting me. So I went on the internet searched the company called the number got no contact.. Thats when I contacted the police and filed a complaint of fraud XX/XX/2022 that I put in the photo.
Product: Bank account or service

I opened a checking account with Citibank late last year when there was a promotion of {$400.00} bonus when you deposited {$15000.00} in the account. The terms were the bonus would be posted within 90 days of requirement completion. I completed the requirement ( deposited {$15000.00} ) on XX/XX/2016. As of today, it has passed 90 days and the bonus has n't posted to my account yet. I 'd like the {$400.00} bonus as promised by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Consumer Dispute Department : 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, defamed my character and caused me great stress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For all other accounts : 12 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 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Experian Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after my reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 don't recognize this inquiries, i never applied for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EQUIFAX several times, I have provided my social security, ID, and information to verify myself. I am not allowed or have been granted access to my report directly with Equifax. There are iquires on my report that I have not authorized from XXXX XXXX. I am uploading my information directly to verify my identity.
Product: Credit reporting or other personal consumer reports

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the XXXX Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Product: Payday loan, title loan, personal loan, or advance loan

I have been making XXXX  XXXX payments on best egg for months. I got caught up and decided to switch to bi monthly. 

Best egg decided to auto charge me not only the bi monthly, but also the FULL month as an additional payment, tiring my split {$500.00} into a $ 1000 month.
Product: Checking or savings account

I Had submitted online loan applications trying to get a loan to help with my bills and my account received and an mobile deposit in the amount of XXXX and upon further review my account was locked due to it being fraud I physically went to my bank and called the numbers that was provided for my account and upon talking to customer service rep I was told that a mobile deposit was made in my name but I never made an mobile deposit in the amount stated above and the loan company that called me asked for my bank account number and routing number and I did not think nothing of it because i thought that was the process of getting an loan the loan was initially for XXXX but the person i talked to whose name is XXXX said that they would make a deposit of XXXX to boost my credit and help me get a bigger loan all they needed was my account information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted about 3-4 disputes to XXXX and XXXX in regards to my account ( South Carolina State Housing ) reporting incorrect information on my credit, which has hurt my ability to get financing etc. XXXX removed the remarks from my account and is currently 65 points higher than XXXX. We set up automatic payments with state housing, but there employee failed to actually set it up in there system. The only way we found out that the account was showing late was because I checked my credit report. What was insane is that state housing never reached out to me to see if anything was going on, but it was too late once I realized it had damaged my credit severely ( dropped over 100 points! ) Once we saw that they werent taking out payments, like we scheduled, we made the payment on the past due amount. Since then the reporting has still been inaccurate after we have made payments and continues to damage my credit! I have been fighting against this injustice from this company for a year or longer and just recently paid them off in full because of the major hassle it is dealing with them ( my  account still shows late and we owe a balance ) SC State Housing and XXXX continue to report inaccurate information on my account
Product: Debt collection

On Wednesday, XXXX XXXX, I contacted Prince-Parker & Associates regarding a statement I received from their office dated XXXX XXXX, 2016. The account number they reference is XXXX. 
I explained to XXXX XXXX I had contacted the doctor 's office and disputed the amount my husband was billed. She stated the account was no longer in their office and his credit has been impacted. 
As the XXXX communication was the first communication we have received from Prince-Parker & Associates, I began to ask when the account was assigned to their office and when collection activities occurred, she became very belligerent. XXXX XXXX responded like a child that had been caught with their hand in the cookie jar. When I stated this is the first notification we had received, she stated the account was received on XXXX XXXX and it did n't matter as we had been billed by the doctor. She stated I will just mark you down as refusing to pay and terminated the call. 
I DID NOT refuse to pay. I did say I could not settle the outstanding balance of {$970.00}. I was calling to discuss settling the balance as I do n't feel that I owe the entire amount. 
I was not given the opportunity to explain the following which I think is very important in how as consumers we feel we are forced into a procedure and mislead with the cost. 
My husband was experiencing XXXX and visited XXXX XXXX for treatment. XXXX XXXX would not treat him until he performed a XXXX as his last XXXX was due in 5 years and he had not returned for a screening. My husband agreed to schedule and when checking out the receptionist stated I have good news and bad news. You only need to bring {$25.00} copay with you but it will be XXXX XXXX before there is an opening. 
The XXXX was scheduled and XXXX XXXX stated there was no signs of active XXXX or any other concerns. He did not prescribe any medications. Several weeks later, we received a bill for {$840.00}. I called and talked to the office manager who stated they only provide an estimate and it 's the patient 's responsibility to call the insurance company. She stated the documentation they provide is very clear that it is only an estimate. 
I 'm quite certain the front office made a mistake and quoted the cost of a XXXX. Then when they filed the claim with the insurance company it was filed as a XXXX which significantly increases the cost. The original quote was a gross error on their part but one they protect themselves by the paperwork they provide to patients. 
I paid the {$25.00} payment that I felt we owed for the screening. 
Here 's why we feel we have not been treated fairly as consumers. 
First the doctor would not treat my husband until he had a XXXX His office grossly understated the cost of the procedure The results of the XXXX prove we were forced into a XXXX. The XXXX reflected no signs of any issues and the doctor stating all the foods he advised my husband to avoid in the past was no longer valid. 
So why was a XXXX filed with the insurance company? I know the doctor 's office collects more money from my insurance company and the patient also pays more. Nice little racket here to make money.
Product: Mortgage

I started to get behind in my mortgage starting in XXXX due a significant reduction in income. 21st mortgage company. I applied for mortgage help in XXXX but the organization I applied with has been taking their time processing and approving my application. I noticed my mortgage company by phone and email several times and they are aware of the situation. They told me someone from the organization contacted them in XXXX but has heard nothing since. I talked to my financial advisor on XX/XX/2022, they constantly switch financial advisors for your loan. Ive had 3 since I purchased my house. And they dont communicate when they switch. I spoke to my financial advisor and let him know what was going on and that I would my best to send payments as much as possible to get caught up. I do have a mobile and the mortgage is {$630.00} a month and Im behind {$2500.00}. He said that was ok and to keep him updated on my mortgage help application. Today, I get a phone from another person in the mortgage company basically demanding {$2500.00}, which I dont have, or she would be referring my account to their legal department, didnt offer any other ways of help or solutions, asked why we got behind, I told her it was due a significant reduction in income, asked how much my significant others paycheck were every week, I told her, has the nerve to say oh thats still enough, you should be paying. Didnt care about my other bills or anything I had to pay for. Mortgage takes priority she was extremely rude and not understanding or considerate of my circumstances. Ive done everything I can to get help and she expects to send money I dont have.
Product: Credit card or prepaid card

I just received letter XXXX and XXXX closing XXXX of my capital one credit cards all of a sudden with no warning due to return payments. I always corrected these and never once did I received a phone call or anything on these cards or hey if it happens again we will close your accounts. I have a car loan with a perfect payment history. I will never purchase a car or any products with capital one ever again. Customer service is a joke and they dont care. Worst treatment of an established customer that I have ever encountered. Thank you
Product: Checking or savings account

My credit account is suspended, also my debit card is overdrawn. My driver 's license is missing, from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is report a miss payment from Ally bank my Auto loan. I have documents for Ally bank stating I was never late on XX/XX/2020 2020
Product: Debt collection

DIVERSIFIED ADJ SVC XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, my name is XXXX and I mailed out a few dispute letters to XXXX   TransUnion and XXXX They have failed to respond and it's been over 60 days with no response. I just want inaccuracies to be removed that I highlighted in my dispute letters. Thank you
Product: Debt collection

I don't know who the original creditors are not these companies that are reporting on my credit. I've reached out several times and they still will not remove these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have balances on none of my accounts, nor am I delinquent on such accounts. I have written letters to them and the credit bureaus with no resolution. 

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. 

- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXXXXXX Account # XXXX, has violated my rights. 
- [ x XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a fraud case against XXXX XXXX for 2 accounts that are still showing open on my credit report. Case number XXXX. 
My last update on this case was XXXX which is over the alotted time provided. I need remedy on this case as this is preventing me from utilizing my credit. XXXX XXXX is operating fradulently as they have wrote the account off as a charge off, however, still reporting it on my credit report. I need this off of my credit report immediately or I will have to file a civil suit in my area and XXXX will to answer to why they are violating my consumer rights.