23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Complaint Regarding Violations of Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, violations include breaches of FCRA regulations ( 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 215 U.S. Code 1681c '' 2 and 15 U.S Code 1681b ) RE : XXXX & XXXX XXXX Account Number : XXXX As a informed customer I am writing this letter for your prompt attention to this matter I have studied the laws to be able to understand a correct my situation and to be able to have a flawless credit report which is very important for someone to be able to live a decent life and obtain a home a vehicle and other necessities in life especially being a single mother, this inaccurate reporting as disputed previously which is unlawful reporting furthermore has been detrimental to my livelihood as well as my inability to obtain new credit as well any credit at all. I am writing to address severe violations of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). It has come to my attention that certain creditors have reported accounts without obtaining my explicit written consent, thereby infringing upon my privacy rights and violating FCRA regulations. Furthermore, the financial institution involved has failed to provide me with the option to opt out of disclosing my non-public personal information to non-affiliated third parties, as mandated by the GLBA. 

Outlined below are the inaccurately reported items, complete with their respective account numbers : XXXX & XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 Section 602 A, these accounts must be promptly removed or deleted until I provide written authorization.

Moreover, in accordance with 15 U.S. Code 1681c '' 2, consumer reporting agencies are obligated to block the reporting of any information stemming from suspected identity theft within four business days of notification. Despite my identification as an identity theft victim, these items remain on my report well beyond the mandated timeframe, constituting a blatant violation of federal law.

Additionally, as per 15 U.S Code 1681b, consumer reports may only be furnished with the explicit written consent of the relevant consumer. I have never granted such consent for the inclusion of these items on my report, rendering their presence a violation of my federally protected rights as a consumer. Absence of consent equates to identity theft.

I demand immediate action to rectify these violations, including the removal of the inaccurately reported account from my consumer report and the provision of the option to opt out of disclosures to non-affiliated third parties, as required by law.

I expect prompt resolution of this matter and thank you for your attention to this urgent issue. 

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

my student loans were on an income driven repayment plan which required me to have a XXXX payment.. once covid came loans in forbearance due to the government putting payments on hold. The lender reported for a total of 16 months that every month i was late. I tried contacting them and letting them know my loan was on an income based repayment plan and also the forbearance the government provided was in place during the time they were reporting my loan as past due. i have given them 2 months to report the mistake to the credit bureaus but they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Consumer Loan

Purchased a car XX/XX/XXXX from XXXX in XXXX that was financed through santander consumer usa. i lost my job XX/XX/XXXX and fell behind my payments XX/XX/XXXX. Santander repossessed the vehicle without prior notice on XX/XX/XXXX and sent me a certified letter dated XX/XX/XXXX which i received a several days later. I called them at XXXX that morning and the rep i spoke to had no record of the car being repossessed and told me to call back. i called back at XX/XX/XXXX and was told they have the car and i had 10 days to pay XXXX to bring the loan current and keep making my payments or the car would be auctioned off. I made the payment on XX/XX/XXXX and they at that point informed me that the car was already at the auction site which is over XXXX miles away. Instead of bringing the loan current as earlier discussed they went ahead and charged off the loan and added collection fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was reported wrong on my credit report causing issues. The report is mislead on information regarding previous address, XXXX worked for, and where I lived. I lived at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX before the change to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX 

I had lived in XXXX XXXX XXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/. An unknown employee of XXXX XXXXXXXX XXXX XXXX has been reporting negative information onto my consumer report. The negative report says " Charge Off '' and also says " XXXX XXXX has flagged your account as charge-off ''. Please be advised. I am aware This is EXTORION. These actions has negatively affected my credit reputation with other financial institutions. Making almost impossible to live day by day.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had ordered a 300 lb Weight Set XXXX XXXX XXXX XXXX via XXXX and paid {$210.00}. When I received the set was incomplete. I contacted XXXX to ship me more parts they refuse. On XXXX XXXX 2017 I decided to call Citi to dispute charges, Citi agreed to process the  dispute.I was shocked to see a reverse charge on my credit card in the amount of XXXX. 

This is regarding case # XXXX
Product: Credit card

I went to an atm to pull money from my chime credit builder account the atm malfunctioned during the process and said my transaction would be cancelled. However it wasnt the money was pulled from my account even though the atm said it would be cancelled. Ive reached out to both my bank and atm provider and neither are seeming to help. I dont have money to just give away
Product: Payday loan, title loan, or personal loan

An associate of mine stole my personal and banking info and opened up fraudulent accounts in my name. He took out a total of 5pay day loans within24 hours. And opened credit accounts without my knowledge.
Product: Payday loan, title loan, personal loan, or advance loan

I was XXXX and upon release I found out someone took a loan out in my name and now in this recent data breach I realized that my social may have been breached and thats how they took a loan out in my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts on my credit report are causing me severe problems in trying to purchase a home. 

I already reached out to XXXX, Transunion, and XXXX. I will attach the letter I wrote to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX ED/DEPT XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$7500.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$3900.00} ; U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX  ) XXXX Balance : {$7100.00} ; U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1600.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4000.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX, XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX  ( Original creditor XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX, XXXX XXXX : XXXX XXXX XXXX, XXXX ; XXXX, XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX.
Product: Debt collection

Over a year ago I settled a debt with XXXX XXXX XXXX. Someone walked into a store and got a phone and monthly service with my maiden name and address. I filed a police report and took care of it as soon as I started getting the bill. XXXX XXXX XXXX wont talk to me about it as they sent it to another collection agency in XXXX of XXXX. I did not create the account but they said I need the passcode to speak about it. 
Last year it was taken care after I filed the report. In the fraud report the XXXX spoke with XXXX XXXX XXXX from XXXX XXXX XXXX who advised the XXXX the correction to the account would be taken care of within the month. This was in XXXX of XXXX. The fraud report # is XXXX All of a sudden in XXXX of XXXX I received notice that a debt collector was not on my credit report. I called them ( Sunrise Credit ) and they stated that XXXX XXXX XXXX sent them my information. I have perfect credit and they are ruining it! Please help me. How can they come back over a year later and just try again when it was proven not to be me and claimed to be dropped by XXXX XXXX XXXX  Fraud was in the name of XXXX XXXX and I have been XXXX XXXX for over 20 years. Please get them off my credit. This is crazy that they can do this.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/year> that resulted in unpaid rent of {$880.00} that now a second collection agency ( XXXX XXXX XXXX ) is trying to collect on. XXXX is incorrectly reporting on this fraud in my credit report. I would like for XXXX to remove this negative mark as soon as possible.
Product: Credit reporting or other personal consumer reports

this debt has been canceled and forgiven by XXXX with a 1099c the taxes has been paid the 1099c taxes making this debt paid off canceled and forgiven lvnv funding is reporting a debt that has been canceled and forgiven taxes paid under IRS rules the debt has been cleared there is not debt
Product: Debt collection

Property is stating that I owe balance for an apartment I never lived in. My identification was used to secure this rental without my knowledge, and company has refused to delete derogatory remarks even with police report.
Product: Checking or savings account

I have a business and have business accounts at a separate bank. On XXXX my business account had some unexpected transactions pop up that were going to make my business accounts overdrawn. I wrote checks for the exact amounts needed from my personal Wells Fargo account to keep the business account from going negative. My personal account at Wells Fargo has a Line of Credit attached to the account to cover any overdrafts should they occur. However, before the overdrafts occurred my business had an influx of deposits so on XXXX I wrote checks back to the Wells Fargo Account for the exact amounts to cover the checks to avoid any potential overdrafts. Because of this, I ended up NOT having to use the Wells Fargo Line of Credit. My Wells Fargo account currently has a positive balance, but today I was sent an email without warning or explanation that they are closing my accounts. Ive tried to contact someone who has any insight so I can explain the situation but havent been able to discuss this issue with anyone. I even called this evening and was put on hold by a lady for 45 minutes after she transferred me only to have their automated system tell me they were no longer accepting calls. Ive been with Wells Fargo since XXXX. Im very upset as I can not access my accounts and have checks that are written and now I have no idea if theyll be paid or kicked back. Any help would be greatly appreciated. 
Thank you.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED I recently checked my credit report and noticed a inaccurate account and inaccurate personal information. Per the attached I have made multiple attempts to the company with no response and or updates to my report.
Product: Checking or savings account

On about XXXX XXXX, I made a transfer of {$10.00} to my friend using my online banking account, then I received a Fraud Detection email from BOA and then my online account has been locked. I tried to contact BOA many times, but they replied to me I have to visit the financial center of BOA in US in person to unlock my account. 
The problem is that I was a graduate student in US. I have graduated and left US and am currently in XXXX. I am not able to go to US in person easily. ( For this reason, the current US phone number and US address on my account are one of my friend 's in US for convenience. ) I think the request of BOA is not reasonable. The lock of my account is due to BOA 's system mistakenly, so it's their duty to solve my problem, not to cause more problem to me. 
I believe I can provide any information they need to verify my identity. There are many ways to check my identity besides going to US in person.
Product: Debt collection

Initially on XX/XX/20 I received a threatening phone call from a XXXX XXXX stating she was going to file legal action with XXXX XXXX XXXX unless I called them back at XXXX, and that my case number was XXXX She also called my XXXX year old grandmother and parents, threatening legal action and to come to her place of residence. Which when I called they said that it was regarding a personal loan that I hadnt paid with loan me totaling {$7300.00}. They stated they are a proceedings office called National they would not give me an address. They said I must pay in full or they would proceed with legal action and I would be responsible for all legal fees for a total of {$15000.00}. They forced me to set up payments which I couldnt possibly afford bi-weekly otherwise they said I would have to pay the {$15000.00}. After I did research and spoke to a legal representative they told me not to pay them anything until they gave me a written validation notice. I called them back on XX/XX/20 to ask for this document and they refused. Then on XX/XX/20 they once again called and said since I didnt pay they were going to proceed with legal action. That same day XXXX XXXX called my XXXX year old grandmother and screamed at her, threatening to come to her residence. She also left messages on my Parents phones with the same general message of proceeding with legal action and coming to their place of residence.
Product: Debt collection

Equifaxhas placed a hold on my credit report preventing me from being a productive citizen
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX sent {$1400.00} via XXXX payment system for puppy purchase. 

XX/XX/XXXX sent {$1200.00} via XXXX payment system for a crate for the puppy. 

XX/XX/XXXX sent {$1200.00} via XXXX payment system for a crate for the puppy. 

XX/XX/XXXX sent {$750.00} via XXXX payment system for shots for puppies. 
Each time Chase Bank would call my phone to confirm the transaction and details but just a menu of options is all I got. 
I thought I was purchasing puppies through a company in ND called XXXX XXXX and they were using a shipping company called XXXX XXXX XXXX XXXX XXXX. Both companies have extensive information on their websites. Both these websites should be closed down. 
I have the following number for XXXX XXXX XXXX. 
Phone number XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The phone number for XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have complained about this membership fee for a couple of years now, and it was my understanding that this membership fee does not apply to me anymore because I have been a card holder with Capital One since the year 2000. I have reported this issue to the CFPB ever so often, and Capital One claims to waive the fee but continues to constantly add it back without any warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2022 it was an excellent time to open an account with Wells Fargo. I had checking, & savings linked, but on the XXXX of that month. I deposited a check worth {$9700.00} someone bless me with, the only problem my name wasn't spelled right, and XXXX claimed the check was made out of rubber. On XX/XX/XXXX my account was closed due to this issue of matter. I can't do any kind of business would like to sue for everything plus interest. XXXX bad, and good news about this financial industry. I personally wanted to give them a chance because the co-founders started out in California. The state I love and missed so much on an everyday basis. Finally, & this is the thanks yours truly receives back awful!
Product: Vehicle loan or lease

I have paid for this car 3 times and they said all p [ ayments went to late charges so i surrendered the car after 5 years and now they said i owe more than what the car cost when i bought it after 59 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I put a fraud Alert on my credit report with XXXX and Equifax. The fraud account have not been removed from credit report. I have submitted the Federal Trade Commission Identify Theft Report XXXX - Police Report number XXXX, Officer XXXX, Badge # XXXX. I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX by mail and phone with no success removing the fraudulent accounts off my credit report. I have reached out to Equifax and XXXX by mail and phone with no success removing the fraudulent accounts off my credit report. 

Thanks you