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 consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account number # XXXX XXXXXXXX XXXX  : Account number # XXXX : 15 U.S.C 1681 section 602 A, States I have read 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 conviction 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

I've always made sure that payments on this account are made on time and are never overdue. I'm not sure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of identity theft stemming from a XXXX XXXX Unauthorized accounts and credit inquiries have been reported on my credit file without my consent. Pursuant to XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ), I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and inquiries from my credit report : XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2900.00} Unauthorized Credit Inquiries : XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Equifax is currently reporting a released tax lien. The information that is being reported is not correct. This information has a date being reported as XXXX/XXXX/0001. This is not a valid date and under the Fair Credit report Act, this item must be deleted. This reporting is a clear violation of the Fair Credit Reporting Act. Please delete account.
Product: Credit reporting

I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX experience and XXXX and all other national credit reporting agency.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXXXXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used TrustedID service for a credit monitoring service and paid {$200.00} on XX/XX/XXXX for a family plan/yr. Around XXXX XXXX, XXXX, I learned, through an email sent to me by Equifax, that they had taken over TrustedID. I called Equifax and spoke to 'XXXX  XXXX and told her I no longer wanted the service ( from what was now Equifax ) and asked them to prorate and refund it to me for the XXXX XXXX- XX/XX/XXXX time period. They did this on my XXXX XXXX XXXX on XXXX XXXX XXXX for {$87.00} from EQF*TID TRUSTEDIDSERVI XXXX CA. I thought this issue had been resolved. 
On XX/XX/XXXX I checked my Master Card account and saw a new charge from Equifax for the same " Services - Consumer Credit Reporting Agencies '' for {$190.00}. I called up Equifax and spoke to XXXX ', had to give her my XXXX  # and she said the charge was for a renewal, which I never ordered ( told her I had cancelled service and had been given a refund ), and I said to take the charges off immediately. She said she would. but the next day, instead of a pending charge, it was a permanent charge. I filled out a disputed charge with XXXX  and as of XX/XX/XXXX -- today -- the charge is still there. 
Signing me up for a product I told them I didn't want should be illegal to me.
Product: Debt collection

Citibank has repeatedly called me daily and just within the last 4 days i have been called over 18 times.
Product: Credit card

We have an IKEA Visa credit card account with Comenity Bank for which we were trying to pay {$12000.00}. We mailed by 2nd day USPS priority mail the first check on XX/XX/24 with a copy of our account statement. Comenity Bank returned it, claiming we were missing info on the check. We reissued a check by mail on XX/XX/24 and we are now 10 days out with no indication of payment to our account. This appears to be a systematic delay in payment clearance in an attempt to charge additional daily interest. We have already paid over {$460.00} so far in interest on the balance we wished to pay a month ago.
Product: Credit card

In XX/XX/2024 I received a notice of " Important Changes to Your Account Terms '' from Synchrony Bank, the issuers of the Lowe 's store credit card. In addition to their already usurious 31.99 % interest rate on the card for carrying a balance, the company now wants to charge a {$1.00} " Paper Statement Fee '' forcing customers like me who prefer ( or for customers without internet access, need ) mailed paper statements. Internet access is NOT free and it is not currently universal whereas the USPS services the entire U.S.. One should not have to have internet access to avoid this fee. Mailing of bills is a normal expense in this industry ... companies should be able to incentivize customers to switch to emailed statements if they don't mind but companies should NOT be able to punish customers who either can not or prefer to not receive emailed statements. There is a lot of talk about " junk fees '' and this certainly seems a prime candidate!
Product: Credit card or prepaid card

Tried to apply for XXXX credit card and was denied because they say they can not verify my address. 


I input my current and previous address and it still denied me based on that.
Product: Checking or savings account

i dont remember dates but this is and an on going problem with wells fargo with their over draft fees and and the company. after i move money around from XXXX account to another the bank still charges me over draft fees not just once or twice at XXXX time they charges 4 times in XXXX day. 
i would like to know if they over charged me on my auto loan that i had with them awhile back also.
Product: Debt collection

OPPOTUNITY FINANCIAL LLC have violated my consumer rights as a natural person Pursuant, but not limited to, the Fair Credit Reporting Act at [ 15 USC 1681 et seq. ] and the Fair Debt Collection Practices Act at [ 15 USC 1692 et seq. ], and the applicable portions of Truth in Lending ( Regulation -- - Z ), at 12 CFR part 226 et seq., Debt Collector ( XXXX ) are to complete and return this Debt Collection Disclosure Statement '', hereinafter " Statement, '' with all required documentary and evidentiary proofs stipulated herein, in conjunction with the attached and incorporated herein " Offer to Perform Upon Validation of Debt '' within twenty-one ( 21 ) days of receipt by Debt Collector. OPPORTUITY FINANCIAL LLXXXX and its Agent XXXX XXXX have commiited FRAUD providing False, deceptive forms or statement and misleading representaion pursuant to 15 USC 1692e. 

As a Federally protected consumer I have the right to request Documentary Evidence to validate and verify ANY and ALL claims against I, the consumer regarding ANY alleged debt by ANY Corporation and I, the consumer have the right to claim ANY injuries or damages as a result pursuant to 15 USC 1692k- Civil Liability and Criminal liability for willful and knowing violation pursuant to 15 USC 1611. 


OPPORTUITY FINANCIAL LLC and its Agent XXXX XXXX also failed to provide answers to questions asked in previous cease and desist letter. OPPORTUITY FINANCIAL LLC and its Agent XXXX XXXX will be held liable for unfair practices and Noncompliance pursuant to Federal and state laws. 

I hereby give you twenty- one ( 21 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me XXXX XXXX XXXX XXXX all of the replies and details given to the above requests ( XXXX and XXXX of alleged debt ) are true and without deception, fraud or mischief. 

Your said failure to provide the aforementioned documentation within tweenty-one ( XXXX ) days, from the above date, to validate and verify the debt, will constitute your agreement to the following terms ; That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further. 
You agree to pay all fee schedules. 

NOTICE : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' pursuant to 15 USC 1692d and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of XXXX Act 1970 S.40, which makes it a Criminal Offence for a debt collector or a debt XXXX agent to make demands ( for money ), which are aimed at causing XXXX, XXXX or XXXX XXXX, because of their frequency or manner.
Product: Credit reporting

Addresses in XXXX and XXXX are not mine. I had an Ex wife in XXXX and my son in XXXX. I have lived in XXXX all my life. I lived in XXXX. for almost 40 years and in XXXX. for the last 15 years. Please remove these addresses from my Credit Report.
Product: Checking or savings account

Today XX/XX/year> I go to log into my mobile app as Ive done for the past few years and it was locked so I phoned chase bank the representative tells me my account has been closed, I ask multiple times for the reason as my account remains in good standing I have never had any fraudulent activity nor fraud alerts on my acct. The representative proceeds to tell me the bank does not have to disclose the reason for the closure and a check will be mailed to me for the funds that were in the acct {$130.00}. I visited the branch for answers the teller phoned the dept that handles acct closures and they tell her the same thing they do not have to provide an explanation for closure. I explain to the teller I never received an email nor phone call warning me the acct would be closed, my household is on a fixed income and I need to be able to access the money that is in the acct asap. I explain to her this is disheartening for me as Ive held my acct in good standing for years and I recently turned XXXX yrs old and Im working on building my credit and Im being told my acct is being closed for no reason and I can never open another Chase acct when my whole family banks with Chase.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out. 
( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of XXXX, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Debt collection

Subject : Discrepancies and Inaccuracies on Credit Report To Whom It May Concern : I am writing to formally dispute the inaccurate reporting of an account that was charged off in XXXX. The original account belonged to XXXX XXXX XXXX and was later collected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, the dates of last activity and payment have been inconsistently updated across different credit bureaus. 

Specifically : On Experian, the date of last activity is reported as XX/XX/XXXX, yet the last payment is recorded as XX/XX/XXXX. 
On XXXX and XXXX, the account has been removed and marked as settled. 

However, I settled this account on XX/XX/XXXX. If the information is being sourced from the original creditor or the debt collector, the dates and amounts across all credit bureaus should align. 

Due to these discrepancies, the accuracy of these accounts can not be guaranteed. As a result, I believe the reporting is inaccurate and should be corrected or removed entirely. 

I kindly request that the CFPB investigate this matter and ensure that my credit report reflects accurate and consistent information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX.
Product: Debt collection

As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report.

In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ).

Additionally, the aforementioned customer REQUIRES the following : CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiry ( XXXX XXXX XX/XX/2023 ), which is a clear violation of my consumer rights. 
I have disputed this inquiry with TransUnion, providing evidence and documentation to support my claim that I did not authorize this inquiry and that it is inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiry from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proof ofmyidentity and my Proof of Address.
Product: Payday loan

Someone stole my personal information and identity and applied for a payday loan with Cash Central. The account with Cash Central is a fraudulent account and do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX; Experian and XXXX  are reporting incorrectly that I am (60) days late on the XXXX  – partial account number XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.
Product: Debt collection

XXXX XXXX XXXX XXXX I owe bills which is showing on my Transunion credit report as a collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the collection is still on my credit report after disputing Five times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this information.
Product: Mortgage

PAYMENT I MADE FOR XX/XX/2018 IN THE AMOUNT OF : {$1500.00} CHECK # XXXX CLEAR OUR BANK ON XX/XX/2018 ; PAYMENT SENT TO FREEDOM MORTGAGE ON XX/XX/2018. 


And I received a letter from Freedom Mortgage stating, As of the date of this letter we have not received your payment due XX/XX/2018. and my Bank Statement showing check # XXXX clear my Bank on XX/XX/2018. also, Freedom Mortgage never acknowledge my Tax Exemption, and my own home-owner insurance, Never remove from my ESCROW PAYMENT EVER SINCE. AS WELL, THE RATES KEEP GOING UP HIGHER AND HIGHER WITHOUT NOTIFYING US ABOUT THEIR CHANGING MADE ON OUR VA MORTGAGE LOAN. ASKING FOR STRICT SCRUTINY TO BRING THE LIGHT OF JUSTICE, AND RIGHTEOUSNESS TO THIS UNSCRUPULOUS, MALFEASANCE CONDUCT BY FREEDOM MORTGAGE. GOUGING US FINANCIALLY, AND FINAGLE CF. FILCH US FINANCIALLY. MY TAX-EXEMPTION ... .PERSONAL EXEMPTION NUMBER : XXXX FOR QUESTIONS CALL : XXXX. THANK YOU FOR YOUR INTEGRITY HELP. XXXX WAS THE BUILDER OF OUR HOUSE WE'RE AT RIGHT NOW.
Product: Mortgage

Caliber Home Loans agent XXXX XXXX was handling a cash out refinance that would have helped pay off a trailing second mortgage and some debt on my credit report. The appraiser XXXX XXXX devalued my home by 120,000. I have a 5 bedroom home with 3 full baths and 1 half bathroom. My report has all of the rooms and bathrooms labeled but is inaccurately reflected in the report as being a 4 bedroom home with 2 1/2 bathrooms. I have a two car garage attached to my home then a separate 3 car garage structure that is missing from the report completely. My home was compared against homes that do not reflect what my home possesses. XXXX XXXX stated that the loan was denied and there was nothing Caliber Home loans could do to assist me. I feel defrauded and devastated by this process. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this on behalf of my minor child. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.