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 consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX  Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}
Product: Mortgage

I have a complaint against  AAG a nd,  XXXX   XXXX   | S enior Processor TEAM  XXXX  AMERICAN ADVISORS GROUP  XXXX  ID :  XXXX  Phone :  XXXX  ext.  XXXX  | Fax :  XXXX  Direct :  XXXX  Email :  XXXX  XXXX  XXXX  Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , CA  XXXX  We have been trying to proceed with a reverse mortgage for many months. We stared in  XXXX     2016 ;  what is taking so long??? It seems that we have requirements that are not or seems not to be relevant to a loan or the reverse mortgage. We have to clean baseboards and floors after the appraiser has already reinspected our property once.     Now we have to have the foundation inspected at a cost of {$620.00}, after the appraiser reinspected our property and passed the crack repairs to the exterior wall. After looking at the reverse mortgage handbook provided by HUD / FHA i do not see any mention of cleaning requirements. Why is this necessary according t o AAG a nd  XXXX   XXXX ? We have taken the counseling class twice becaus e AAG is so s low to process the loan. {$150.00} total cost of {$300.00}. IN FACT THE FOUNDATION INSPECTION IS BEING PAID FOR BY US IF IT IS INCLUDED IN TH E MORTGAGE FUNDING.      No need for foundation inspection at a extra cost of {$620.00}, does AAG make extra money or kickbacks for ordering multiple inspections?        XXXX   XXXX ,  Senior Processor Fu rther information : To answer your questions.     You are not paying for the foundation inspection out of the loan. However, I am required to get a card to put on hold in the even you decide to back out of the loan or the loan does not go though. I am required to clear your loan before beginning repairs so that there is minimal risk of not getting the final approval after the work has been done.     I see you are already working on the boards and cleaning the flooring. I would like to explain why. The stains and substances could potentially be a hazard to the property. In order for FHA to insure the loan the property must be to their health and safety standards. We have to play by their rules considering this is an FHA insured loan.     Value of your home- We have a set appraised value to your home already done by a licensed  appraiser. I believe your loan officer h as gone over that with you. Unfortunately, sites like  XXXX  and other real estate site do not give accurate lending values and can not be used in any professional lending institution.     Please make sure all your mortgage payments are made as you usually have them done, until the loan has funded.     I hope all is well and will continue to work on your loan on this end and please let me know once the work has been completed regarding the stains and I will send the appraiser out to sign off on it.      XXXX   XXXX  | Senior Processor TEAM  XXXX  AMERICAN ADVISORS GROUP  XXXX  ID :  XXXX  Phone :  XXXX  ext.  XXXX  | Fax :  XXXX  Direct :  XXXX  Email :  XXXX  XXXX  XXXX  Address :  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX , CA  XXXX
Product: Credit card or prepaid card

On XX/XX/2019 while on vacation to XXXX XXXX  XXXX, myself and three relatives ate a late lunch at XXXX XXXX, XXXX XXXX location. After receiving the check and putting my CapitalOne credit card in the restaurant 's check holder, I went to the ladies room. When I returned after a long wait in line for the ladies room, I saw that my party was gone and rushed off to join them outside. I forgot to check the table for my paid receipt and to retrieve my Capital One credit card. 

I became aware that I did not have my credit card within a day or two and immediately reported it to Capital One. I went over the XX/XX/XXXX fradulent charges with Capital One as they let me know the charges they had received. All charges on XX/XX/XXXX with one charge of {$17.00} from XX/XX/XXXX are fradulent totaling {$1400.00}. Capital One XXXX # : XXXX credit card ending in XXXX ( I do not know entire # since care stolen ). 

I did not file a Police Report since I felt assured that CapitalOne would not require that I pay for charges I did not make. I received a letter from Capital One stating that their investigation was done and that they found the charges to not be fraudulent ( attached ). 

I made a call to Capital One and was connected to the Supervisor over their Fraud Department, XXXX ( who refused to give his last name ). I told him that all charges from XX/XX/XXXX were fraudulent, that I did not have my card as of XX/XX/XXXX when it was stolen. He said he was as high up in the company that I can go, and there is nothing more that can be done. I asked to speak with the CEO. He said he would report my complaint, but would not give me the CEO 's his/her name, saying I could look it up on the internet. I found XXXX XXXX | Capital One | Email XXXX CFO. and have copied him on this letter.
Product: Credit card or prepaid card

XXXX XXXX I applied for a card through credit karma because they told me in a promotion that I would get pre-approved. It also that it wouldnt be reported as a hard inquiry. I did not get approved and it was reported as a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit report from Wells Fargo, I called to dispute and was told they received the application drom XXXX XXXX. I called Lending tree and they said they don't work with Wells Fargo and that was an error. I just want it removed as I did not give permission for Wells Fargo to do a credit inquiry.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX Did not provide letter for actions taken on account and reported negative to bureau without dispute statement attached. 
Received adverse letter XXXX  months after the account was opened and said it couldn't grant the amount requested. I didn't request any amount. I applied to get a line for vet bills for my service dog. Checked account after established and found their actions. Was unaware. Rep stated because of account review and report pulled. 
Lost my girl Asked for cease until we could resolve. Had about XXXX contacts after that date of acknowledgement. 
Payments credited to a XXXX XXXX  XXXX. 
I don't know that business They confirmed and said it was to their gate credit but payment history reported validated as well as email receipt.. 
No adverse actions letters from synchrony for XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. All pulled and no letter of action. XXXX times total. When I requested I received this letter and I was clear over the phone with request. All listed under, banks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a closed car loan with XXXX XXXX, and transunion credit bureau has reopened this account and decreased my credit score. There has been no explanation why this account was reopened.
Product: Debt collection

This account has been notified of the fraudulent activity that was involved with the original creditor XXXX/XXXX ending acct XXXX.This creditor is harassing me with multiple shell agencies it owns to collect on a debt that is not mines Please delete this acct from all reporting bureaus immediately
Product: Debt collection

After reviewing my credit report I found many accuracies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. 
According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score dropped by 29 point and the credit bureau can not give me specific information as to why and will not let me know what calculations they used to determine my score. My score also dropped and keeps dropping with XXXX and XXXXI used the score simulator offered by experian and paid down my card, paid off my auto loan and a few of my creditors actually increased my credit limits but my score still dropped. The credit reporting agencies keep giving me the run around and can not explain or show any real proof as to why me score dropped. Please help me get " factual data '' as to why my score dropped when i am doing the right thing. I need someone to help us consumers whose lives are being ruined by these credit bureaus w/o any explanation. I disputed anything that was potentially incorrect or negative on my reports but " There is no option to dispute my actual credit score or changes to my credit score '' with any of the major credit bureaus. 
I believe the credit bureaus are intentionally lowering scores to " force '' individuals to take out consolidation loans or open new accounts thinking it will increase their credit while the credit bureaus are getting some form of kickbacks. I get emails/ alerts everyday to open new account or sign up for services such as experian Boost and believe I am being penalized for not taking the action they want.
Product: Checking or savings account

On XX/XX/XXXX i was notified that wells fargo had closed my account no reason was given. I was mailed out the amount in my account the moment it closed of XXXX which was my remaining balance at time of closure XXXX a online business i had purchased a products from in XXXX XXXX. I had returned all the products and received a full refund in 2 separate payments. The last portion {$510.00} was returned to my debit card with Wells Z FARGO I made the purchase with on or around XX/XX/XXXX days after wells fargo closed my account when I contacted wells fargo they said it was never received because after an account is closed no refunds would go to my acct. about 6 phone calls back and forth XXXX produced documentation showing the transfer being received and I showed this to wells fargo and they located the transaction apologized and said they will send a check to my home for {$510.00}. I never received the check for {$510.00}. I continued to call and do three way calls with XXXX on the line and wells fargo would never be able to provide any answers and every phone call i had to go over the whole call because there was not much of a record keltwhere the money was and promised a manager would contact me back and I never received any returned calls from managers. This lasted from XXXX XXXX - XX/XX/XXXX till I the point representives with WF would put me on hold and never return to the call to assist me. They never can answer where the money has gone but mention j owed them money but could never produce for what and how much I owed wells fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to EXPERIAN. I've been a victim of Identity Theft Fraud. The private investigators that I have hired have supplied me with suspect evidence including some of the transactions that were used with my identity and credit card information. There is also a fraudulent address tied to this account reporting from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have NEVER lived in California. I have included that enclosed in the documents. Additionally, my credit information was used to purchase flights and I'm in communication with the airline which will be supplying me with suspect and passenger information so that I can press charges against the persons responsible and file a civil suit for damages, lost time and monetary damages. I will not quit until I get the information. I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also the added Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. All other CRA 's have abided by the regulations and Identity Theft guidelines. This is blatant violation of FCRA law. I have now taken matters into my own hands and am investigating the fraudulent address, charges and updating records. I have conclusive evidence that my name, identity and credit information has been compromised in XXXX  XXXX data breaches AND XXXX breach and since these data breaches that I've been a victim of, I've had a plethora of issues including receiving calls from scammers or people posing as bank officials. I have set up the highest level security now including passwords and have wiped my digital information for safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX
Product: Checking or savings account

On Monday, XX/XX/XXXX, I received a refund check in the mail from XXXX for my extended warranty I canceled. I deposited the check into my Citibank checking account via the mobile app. The check was for {$1000.00}. I have copies of the check and the remittance, if needed. Their check was written off of their bank account at XXXX XXXX. When I deposited the check, it was placed on funds availability hold. {$220.00} was available the following day on Tuesday, XX/XX/XXXX and the remaining {$810.00} was available on Wednesday, XX/XX/XXXX. All was well. On Thursday, XX/XX/XXXX, I did not have access to my online account via the phone app or on a desktop browser. I then went to an ATM machine and I couldnt access my money. I called Citibank and they told me my checking account is " in review '' while they do a fraud review. They said it would be 24 - 48 hours. They had me verify the XXXX check, if it was legitimate, etc. I called back numerous times and kept getting the same response. I called today, XX/XX/XXXX and am getting no response to when Ill have access to not only that check but the other funds in my account. I have no access to any of my money and I have bills/rent to pay. They said it would be another 24-48 hours the last time I spoke to them. It is still " in review ''. This is extremely frustrating. Can you please help? Thank you!
Product: Debt collection

Jefferson Capital is improperly reporting a collection account on my XXXX credit report. Both XXXX and XXXX have deleted this collection, yet XXXX has allowed it to remain. Jefferson Capital has failed to validate or verify this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This violates my rights as a consumer to receive proper debt validation before any reporting activity.

Additionally, Jefferson Capitals actions violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to ensure the accuracy and completeness of the information they report to credit bureaus. The continued reporting of this unverified debt is also a breach of the No Parking Debt law, which prohibits creditors and collectors from placing illegitimate or unvalidated debts on consumer credit reports as a means to coerce payment. 

I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter and will attach the FTC report for reference. I demand the immediate removal of this collection from my XXXX credit report as it is invalid, inaccurate, and improperly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i & 1681e. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be. 
available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with me full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters. 
from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. You are rejecting my letters and I have stated via mail & phone with your rude representative about my letters are created by software. You are not abiding by the US LAW. Process Attachments and Delete the Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am trying to get inaccurate information removed from my credit report. I have tried multiple times with no luck getting the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$6300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of the Equifax Data Breach of 2017, upset with the nature of Credit Reporting Agencies and the lackluster steps taken to provide security for the very sensitive information contained by these Agencies for hundreds of millions of Americans. This is not simply a data breach, it has the potential to impact the future of Americans young and old. These companies are truly playing with the livelihood of millions of people including myself. Actions should, and hopefully will, be taken against not only Equifax, but also XXXX and XXXX, in the wake of this breach. With that being said I also hope to see the hackers who skimmed the information of myself and other Americans brought to justice and prosecuted for their thievery. The world would be a better place for all if we could stop these crimes before they ever had a chance to be committed, but until that day comes, companies that keep sensitive information that has the power to ruin a person 's life should take the necessary actions to protect that information at whatever cost. Otherwise, I would implore people to never again trust these agencies with our business or our information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires. SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against  XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.