23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I answered a phone call on my cell phone from XXXX woman asked for XXXX XXXX, as soon as i said this is her she started telling me I owed money for a XXXX bill with absolutely NO verification done! she did not verify an address, date of birth, social security number anything, when i told her at the time of the debt I had insurance and that I have told them that before as well as i have told them until they resolve that issue not to contact me, I also pointed out she was calling my cell phone, her words to me were " well youre the one in collections '' this is abusive. 
I then called back and asked to speak with a supervisor who again didnt even verify me, and said if i verified my name that is enough, I advised her that is not enough verification and asked her if that is their policy she said yes all they need is a name, i told her what the representative had said and how it was abusive and belittling she then told me she could not speak to me because she had not verified me at this point we were XXXX minutes into the conversation, so i asked her for their address for a complaint she said the company name is Central Credit Services XXXX , XXXX MO XXXX
Product: Checking or savings account

Hi, I received the letter from American Express National Bank that someone attempted to one or m ore deposit accounts in my name at American Express National Bank, and it was without my authorization, the applicant had access to my name, address an Social security number prior to presenting it to them. I know who stole my identity and i am very scared about it. Last month people called me that they are from XXXX XXXX and someone tried to use my card and I believe them. They asked to me download the app on the iphone luckily it didn't work out. They took my XXXX XXXX XXXX card number and I was told by them that they will send the link and I should authorized but I declined the request and my bank found out it was fraud .I came to know people pretend they are calling from my bank and made me fool. Also I get new credits card which I never authroirized to opne. Please let me know how I can save the identity..
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of the information removed/updated from my credit report that I requested in my dispute letter dated XX/XX/2021. I followed up with a demand and comply letter on XX/XX/2021. Due to me not hearing anything back from TransUnion, XXXX, and XXXX in the 30 days that is required for me to get a response. I am not asking that all three credit bureau 's update my credit report as per my original request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am the author of this complaint. 

I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I have to relocate within the next 30 days and this company has caused me great harm and inconvenience. 

I paid an application fee to XXXX XXXX XXXX but ultimtely decided not to move forward with moving in. XXXX XXXX XXXX reimbursed me the application fee via check in the mail but now they are making collection attempts and reporting on my credit report. 

This company is reporting on my credit report falsely, inaccurately, and fraudulently. I exercise my right to opt out of all reporting from this company to my credit report and I exercise my rights under the Fair Credit Reporting Act to have this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute to Experian ( File # XXXX ) about the following account : XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ) On XX/XX/XXXX, I sent a dispute to XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.
Product: Checking or savings account

Chime emailed me on the XX/XX/21 saying my account had been closed due to non-compliance of the deposit account agreement. I've been banking with them for many years. I don't really do anything that interesting with my banking and I haven't changed anything over the last year. I asked them to tell me why my account was cancelled and that I can provide receipts or evidence for all of my payments to make it clear I'm not doing anything dodgy. I have evidence for everything and it was all normal banking activity. They just kept replying that they are closing my account in XXXX week. Now I have to move all of my banking and pay higher fees for no reason.
Product: Vehicle loan or lease

I requested a copy of 1099-C form which the company received from the IRS. It shows that the debt was cancelled by the IRS and the company received credit for the debt.

The form shows that the debt was cancelled and the credit report should read a zero ( XXXX ) balance.
Product: Mortgage

We were offered a loan modification/assumption by nationstar mortgage now mr cooper. They told me in 2015 that they needed a QCD from the mortgagor to me the occupant of the property with mom as a cosigner. 
I got XXXX and had my XXXX XXXX, could not XXXX, XXXX XXXX XXXX XXXX XXXX and needed total care ( XXXX facility level of care ) for 10months awaiting XXXX, had several interventions and now I am walking after a long time in XXXX. I am working with XXXX XXXXo secure employment as a XXXX person and meanwhile my mother, who wanted to cosign to the loan, has been paying through XXXX XXXX escrow. the payment specified in the land contract that wrap the mortgage as investigated by the title company where I bought insurance. 
I asked for a new package in XXXX. It appears that the company sent the package not to my address, XXXX XXXX XXXX XXXX, XXXX, NM. XXXX which is where I live but to a XXXX XXXX in Florida to the mortgagor 's name for them to modify. 
The mortgagors had made the point to all that they do not want to modify, do not want the house, nor the loan. The bank states they did want to modify and that they did not send me another package to me because the mortgagors wanted to modify. I am attaching the company response as well correspondence of the mortgagor to me, I believe there is a miscommunication between all parties absent from acting in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only XXXX ( XXXX ) but this information has been left on the back end reporting for a company called ( XXXX XXXX XXXX ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX BANK XXXX XXXX Open Date XX/XX/2017 Balance : {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX and XXXX  XXXX  inquired on XX/XX/XXXX. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my credit report, there was an amount of {$5000.00} fraudulent charge that was committed under my name for XXXX. This started back in XX/XX/2018 and upon finding out I have been in dispute with the 3 Credit Bureaus regarding this fraudulent account since then. It has been over 6 months since I've been fighting this case and the case has yet to close and remove from my credit report. I sent about 9 letters requesting to show proof and informing that this debt was and is not mine, their only response to me is a " generic response '' stating that the debt is indeed mine.
Product: Credit card or prepaid card

I written too the credit bureaus several times about the Capital one, that continues to report payment history as charge off since being charged of two years ago XX/XX/2019. Its ruining my credit as if the company is purposely doing this too affect my score, I'm trying too purchase a home as i am a single mother that wants too correct my wrong doings and move forward in my life. Please have this account deleted. Also they have that i was late 150 days XX/XX/2019 on XXXX 120 days late on XXXX  twice XXXX and XX/XX/2019. They show several inaccuracies with this account, Yet the credit bureaus refuse to fix or delete. I will attach my credit report too show proof.
Product: Money transfer, virtual currency, or money service

Hi, On XX/XX/19, I tried to add my XXXX XXXX card to my Venmo account and it was declined. I reached out to their support and was told they couldn't give me a reason or timeline for the issue. I then had no problem adding a credit card from XXXX immediately after. I believe Venmo advertises their acceptance of XXXX XXXX to get customers to sign up and provide sensitive information, but then refuses to allow them to actually use the card because XXXX XXXX typically has higher merchant fees. Additionally, a manager was supposed to reach out to me, but one never did. 

Thank you
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Information Practices Act, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020.

It has come to my attention that ACIMA DIGITAL FKA SIMP has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the Missouri Information Practices Act, provides protections for consumers against unauthorized disclosure of personal information. Furthermore, identity fraud laws, such as Missouri Revised Statutes Section 570.020, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for ACIMA DIGITAL FKA SIMP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ACIMA DIGITAL FKA SIMP immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Information Practices Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ACIMA DIGITAL FKA SIMP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Checking or savings account

i am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were Authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Checking or savings account

This complaint is late and for that I am sorry. Back in XX/XX/XXXX XX/XX/XXXX wells fargo opened up a business account without my permission also opened one told me a waiver of fees was on it for a period of time then reneged on its promise which is misrepresentation. I am unaware but need to know if this would fall under the class action suit currently being pursued. It caused me aggravation, loss of time, demoralization and financial heartache. I know the business savings was unauthorized. this was done in XXXX NJ by someone named XXXX. Lies lies lies about fees being waived. No calls returned by district managers in response to mine. My concerns. I want to know what can be done esp since I had ot move my business account to XXXX XXXX XXXX due to the lies. at wells fargo about waiving fees on account I authorized. Savings account I did not. this was in XX/XX/XXXX what can be done?
Product: Vehicle loan or lease

I have made multiple attempts to get this resolved with  Ally Financial  previously  GMAC. They  have removed the item and then it reappears on my credit report sporadically. The vehicle was turned in on-ti me in XX/XX/XXXX .      O n  XX/XX/XXXX   @   XXXX   XXXX  . I contacted  GMAC an d the  XXXX   XXXX  corporations about this opportunity.     I later reviewed my credit report and to my dismay o n  XX/XX/XXXX   @   XXXX   XXXX  . I reached out to  GMAC /  XXXX   to attempt to resolve.     O n   XXXX   XXXX   XXXX   ;   XXXX   XXXX  the President and CEO  of GMAC was contacted and claims to have attempted to reach me of  which I received an email after providin g four contact n umbers of which to reach me. Email was sent to  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX XXXX XXXX on XX/XX/2023, requesting to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus XXXXre required to remove and block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaints & I am including it again.
Product: Checking or savings account

XX/XX/2021 Former customer of Simple Bank which as of XX/XX/2021 was closed and accounts were to be transferred to BBVA USA. Account transfer has locked me out of my account. BBVA has provided zero assistance. They say they have opened up Customer Service today XX/XX/2021 from XXXX to XXXX XXXX every time I have called for assistance ( 20 times as of writing ) my call gets disconnected or I get through to a CS rep who instantly says they can not hear me and hangs up.
Product: Credit card or prepaid card

I paid my statement balance in full in the amount of XXXX and after, Capital one charged me interest in the amount of XXXX. I called and asked them to waive this as it is a fee only balance and they refused. I am asking for this to be waived and my balance to be at XXXX since i paid the balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the two pdf attachments. Experian claims that I'm not making my own disputes, so they won't investigate my dispute. I am indeed making my own disputes and am really tired of Experian making this false claim. I have asked three times for a dispute to be investigated, and three times Experian has stated that they will not investigate my disputes. Therefore, I demand that Experian remove all disputed information from my credit report via the FCRA. 

I have sent them copies of my lease, driver 's license, SS card and utility bills as part of my disputes, but they falsely claim that I haven't. 

Thank you
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX.