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 following accounts have violated my rights.

15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 also states that no consumer reporting agency is aloud to furnish an account without my written consent 15 U.S.C 1681 c. ( A ) ( 5 ) also states that no consumer reporting agency may make any report for any items other than records of conviction of crimes Account # XXXXXXXX XXXX XXXX for a late payment in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX ) for a collection of {$700.00} There are also accounts that I was not able to get the account numbers for that I also believe have violated my rights. These accounts include any hard inquiries or student loans that are currently on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically, as it relates to unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
( XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 

XXXX Inquiry : XXXX XXXX, XXXX General Clothing Stores XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Personal Loans Cos. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Vehicle loan or lease

A forebearance plan was entered into with Fifth-Third Bank in XX/XX/XXXX due to COVID-19 related hardships. In XX/XX/XXXX, we reapplied after the 3-month initial forebearance. Fifth-Third Bank is claiming no forebearance was filed, and reported the loan as delinquent. They reported it to the credit bureaus and it has affected my credit score adversely. We have asked multiple times to pay the forbearance amount and for the incorrect report to be addressed. Fifth-Third has refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the XXXX and Transunion credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Att : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX RE : Credit Reporting Act Violation Dear Discover Financial Service/ XXXX XXXX XXXX You/Your Company are in violation of the Credit Reporting Act 15 USC 1681 b for unlawfully obtaining my XXXX consumer report on the dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my authorization and permissible purpose under the FCRA, as a XXXX of you unlawfully obtaining my consumer report without my permission you are liable to me actual damage or statutory damage about up to {$1000.00} in punitive damages. Pursuant to 15 USC 1681n ( 1 ) ( B ). I am demanding {$1000.00} per violation. Pay me {$13000.00} and deliver it to my address above within the 14 days of receiving this demand. Please provide an Affidavit Certifying that Discover Financial Service did not breach any laws under the FCRA.

Thank you for your time and attention. 



Sincerely, The letter above was mailed on XX/XX/XXXX via USPS and was delivered on XX/XX/XXXX at XXXX XXXX. As of XX/XX/XXXX I have yet to receive a response from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXX XXXX  refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.
Product: Credit reporting

I have requested my credit report from all XXXX agencies. The first time, I tried to do it online and I experienced computer errors, the 2nd time, I called in and followed the pronts. I only got XXXX of the XXXX and when I asked Transunion again, they said they alreadyeady sent me a report. I do not have a report from Transunion and I advised them of that and they still have not sent me my free annual credit report.
Product: Checking or savings account

I noticed my account was frozen earlier in the year. I called Marcus.com in late XXXXearly XXXX to unfreeze, the agent said my phone number is not in my name so they cant unfreeze my account, which is not true. XXXX is the only number I have ever used and its always with my name with XXXX. They said they are not able to send a SMS verification code to my phone number. They then offered to mail me a notarized affidavit to fill up which was the only thing they said they can do. They promised it would be delivered 5-10 business days. Its now end of XXXX, its been XXXX, nothing was delivered. Today I called Marcus.com again, a different set of agents went through the same scripts again, told me the same thing that my phone number is not in my name. The agent could not escalate the case, she does not have any direct contact or email address, she can not provide a contact in her back office that can ensure my case is being addressed and resolved, the only thing she can do is to submit a complaint for me and asked for another notarized affidavit, but that needs another XXXX business days to approve it before they even send it out to my address. At this point Im losing my patience, I cant trust them any more. They promised me in XXXX but nothing ever was delivered. I asked about if they have local branch I can visit in person. They said they dont have local branch. They can not expedite notarized affidavit and said because no one uses emails at Marcus. After the call, I went to T-Mobile store and explained the situation, T-Mobile has no idea what this bank means by name on the number. Again, I have had this number for XXXX years without a single issue and this is my only number I ever used. I have all the legal document from passport, XXXX card, social security, etc, anything they need to prove my identity. I need this to be resolved as soon as possible because I need to access the money in the account. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Companies access my credit with out my consent '' XXXX XXXX : XXXX. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX : No contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Dealers In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 604A section 2 states consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$620.00} Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$800.00} Name : XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$950.00} Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts.
Product: Payday loan, title loan, or personal loan

So I took a loan out and have been making payments for XXXX dollars every payday. I have made XXXX payments. Today is XX/XX/XXXX my next payment is due in the XXXX when I get paid. Today I tried to pay off my loan and they said they are already processing the XXXX payment so I can not do that. The lady then states that I would of had to call by the XXXX. I'm like yes I did today I'm calling and she said she is still going to charge my XXXX then get me a payoff amount. Why do I need to make a payment before it's due before paying off? Also I was told on the phone I could call today the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past four months, I have asked Experian to report accurate information appearing on my credit report. Experian is reporting three XXXX XXXX Accounts that contain inaccurate information and do not belong to me. Based on the details provided in my credit report regarding these three accounts, I am of the opinion that these are fraudulant accounts. The balances and other key details are inaccurate and inconsistent with any account that I have had with XXXX XXXX. Despite my requests, Experian has failed to comply with FCRA requirements.

I have seven different letters/credit reports from Experian containing different information and updates. Experian has refused to investigate the matter again. I have exhausted every measure and now reaching out to the CFPB for assistance.
Product: Credit card

I have become totally and permanently XXXX and contacted BB & T with a letter on XXXX 2016 stating that I have no money and my income on XXXX are totally used up covering my minimal living essentials. I had sent in a complaint and they responded saying they had offered a new plan and I did n't accept. That is true because I told the woman that verbally & was VERY rude to me that I started crying. I was telling her I could do a little because I did have to eat. When I said I had to eat, she still bullied me with smart remarks like " you ca n't pay {$58.00}? I kept saying no. '' In BB & T 's letter XXXX XXXX also mentioned BB & T will take action by reviewing the call and apologized that I was upset after having this interaction. The apology was not sincere and it was during practically the whole call.and not the end. The fact that they send an automated letter that is generated informing clients about accounts being closed. In this case XXXX XXXX said it was because of having difficulty maintaining contractual payments. Said that I had been advised and agreed with constant credit being closed. This should not have been written since it always had a XXXX balance and I thought it had been closed. I opened the credit card account to transfer to a XXXX interest. That was done and if they review they 'll see I never charged anything more. The late fees & interest changes keeps going from {$25.00} to {$32.00}. Every month an extra {$80.00} is added with fees. I do n't think XXXX needs to quote everything I write because it was very hard to write in the first place. I had been used to having an income while working. It was stated at the beginning of the letter Complaint # XXXX that my complaint was forwarded to XXXX XXXX for review and response. Also written in the letter had a notice of furnishing negative information.
Product: Credit card

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Product: Checking or savings account

On XX/XX/ I noticed my checking account was overdrawn, which was odd. Called chase bank to report fraudulent charges to my account. Spoke with a rep and found out there were even more fraudulent charges that the bank stopped from being put through. The funds were temporarily placed back into my account and I had a new debit card ordered. On XX/XX/, I noticed my account was overdrawn again. Chase reversed the temporary credit and the {$1200.00} was taken back out of my account. I then called and spoke with another rep that reopened my claim on these charges. I received notification today that they are saying I authorized these charges, which I did not. Ive requested documentation and proof that I made these online orders with XXXX. They stated because I made purchases in the past they are valid. Ive requested the shipping address for these orders, the email address for order confirmations, as well as, the IP address the orderes were purchased from. That can take 10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the credit information that [ Credit Bureau XXXX XXXX has XXXX on my credit report. Specifically, I am disputing the following accounts : XXXX XXXX  XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX late payment account XXXX  XXXX charge off account XXXX XXXX Charge Off account XXXX XXXX Charge Off account I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ). Under these laws, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that [ Credit Bureau Name ] investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed any evidence I have that demonstrates that the information on my credit report is inaccurate. This evidence may include payment records, bank statements, or any other documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX
Product: Mortgage

I am working with an independent Mortgage Broker that I have known for years. I am applying for a new mortgage as i am moving for a new job. I received phishing phone call from AmeriSave. They contacted me stating they received word from the credit bureau that they needed to obtain my SS # and other personal information to issue a pre-qualification. I verified from my broker that this is not legitimate. I spoke with " XXXX '' at Amerisave and her phone number is XXXX. 
The mortgage broker indicated that credit bureaus are selling information to lenders to go after business. The issue is that they are deceptive in their tactics, making you think that it is part of the process for the loan in which you are applying, and it is not.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not accurately reporting. I had six late payments on the following account XXXX that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ). I am now requesting you reinvestigate this account and update these payments. Paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes on XXXX I purchase a car XXXX XXXX XXXX, on XXXX I purchase a house maybe when I move the mail get lost and I did not get my title when I paid so at this time when I want to sell my car I look for the title and I remember that I never got it so immediately I when to motor vehicle on the beginning XX/XX/XXXX so I found out when the agent told me that lien release was never send it to them they provide me the wellfargo financial so they can faxed to them and get my title but was not provided because when I called the bank told me that my social security is not the same I provide all the papers including the driver license when I purchase the car the bank account with the amount I was paying I email on XX/XX/XXXX and almost every day I call to see if they need some more information or requirements but every day is something new either don't find me neither with the vin # i feel that I paid my car a XXXX XXXX really very frustrated situation because my car been paid in full.all I want is my tittle something that I paid for.
Product: Debt collection

I contacted Columbia Debt Recovery LLC, dba Genesis ( Genesis ) multiple times via email and telephone to dispute their illegal attempts to collect a disputed debt allegedly incurred OVER TWO YEARS AGO. I sent a written dispute to Genesis before the deadline set forth by California law. They failed to pause collection activities. Instead, they send me a self serving letter that they or the original debtor but together without any evidence to back up the alleged damages. 

The letter fails to provide any photographs or receipts to support the alleged damages. Fails to include the lease at issue and fails to state whether I violated any lease or written contracts. The letter also fails to provide any receipts of the alleged utilities owed to the utility company. 

I followed up multiple times asking Genesis for photographs of the alleged damages as well as other key evidence ( such as the contract at issue, bill statements from the utility company etc. ). I informed Genesis that the FIRST TIME THAT I was notified of this alleged debt FROM TWO TEARS AGO was when Genesis contacted me in XX/XX/XXXXXXXX XXXX  attempting to collect this debt. 

On XX/XX/XXXX XXXX  I informed XXXX and XXXX XXXX of Genesis that I continue to dispute this alleged debt and that Genesis attempts to charge interest on a debt that I do not owe is illegal. I also informed them that Ive requested verification information and photographs to support their false claim that I owe this debt. However, despite my best efforts, Genesis failed to respond to my written disputes and requests dated XX/XX/XXXX and XX/XX/XXXXXXXX 

On XX/XX/XXXX XXXX XXXX XXXXXXXX of Genesis informed me that Genesis is not obligated to respond to my written disputes on XX/XX/XXXX and XX/XX/XXXX and that it already determined the amount is due and threaten me by stating the interest will continue to accrue unless I pay this illegal debt immediately. This is contrary to California law. I will not answer to harassment nor threats. All attempts to collect the debt must pause immediately per California law. And all interests charged must seize because Ive disputed this alleged debt within the time period set by California law. In addition, Genesis failed to show verification of the debt as requested in writing on XX/XX/XXXX and XX/XX/XXXX Im requesting again that Genesis abides by the law and pauses all illegal attempts to collect on a disputed debt. Im also requesting that they show verification and photographs for this disputed debt as requested by my written emails on XX/XX/XXXX and XX/XX/XXXXXXXX
Product: Student loan

I had a loan that was fraudulently handled by XXXX XXXX and then the loan was turned over to Navient who have been nothing but a headache over getting help with this account.. I have been given inaccurate information and no help ... looking into possible legal action and need help
Product: Debt collection

Diversified Consultants is attempting to recover a debt not owed. The collection company deleted the collection from my credit report and reinserted the collection. Once a debt is removed for just cause, it can not be re-inserted. Furthermore, the original creditor, XXXX XXXX XXXX settled with the FTC for " cramming. '' Thus, XXXX XXXX XXXX can never truly validate how much is truly owed because I was a victim of cramming. At $ XXXX month for 10 years, I would be owed {$1100.00}.
Product: Mortgage

My loan was transferred from GMAC to Ocwen years ago. I had to fight with them on even getting ACH payments set up. I have NEVER made a single late payment on my morgtage, and today when I noticed my XXXX 2017 payment was never pulled by OCWEN I called them. I was told they transferred me to a new division in OCWEN and that the system cancelled my ACH payments and I was " notified by a letter sent out ''. I was NEVER notified, I have NEVER made a late payment and now they wo n't set up my payments again. In order to set up a matching payment plan they want an extra mortgage payment upfront " because that is what the system tells them ''. I will be watching my credit reports and scores closely, I have spent too long rebuilding my credit from my " stupid XXXX 's '' period to now to have this crooked company ruin it now.