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 USC 1681. 

Account name : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX :, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX  XXXX : 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 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

Noticed a collection on my credit report from a collection agency without any notice sent to me. Do not know who the creditor is and started receiving calls from this collection agency everyday started on XX/XX/XXXX. I answer the calls and the phone call will just hang up. Finally called on XX/XX/XXXX after receiving a missed call and recording stated credence resource management and states leave a message. I assume its spam call so I blocked it but still receiving calls from them from different number with their name displayed. I always monitor my credit because trying to buy a home.
Product: Payday loan, title loan, personal loan, or advance loan

there were hidden fees in the contract
Product: Debt collection

I was reviewing my credit report and noticed that this debt collection company placed a negative tradeline on my XXXX and XXXX credit report
Product: Credit reporting or other personal consumer reports

To Delete Hard Inquiries - Account Inquiries 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 

To Delete Unauthorized Negative Items - In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agencyncannot furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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: Mortgage

XX/XX/2020 I am on a process of appealing to Webster Bank of Connecticut decision on denying once again my applications for a mortgage modification do to a hardship we have been going through. Also all the high interest I have been paying to Webster bank in the past 15 years no leaving me an opportunity to make any repair or investment on the house we are paying for. In the past year I was able to get approved to get a finance to install new windows in the house but with high interest rates, but I had not other options but doing that because in the winter is very difficult to support with drifting windows. The house need a lot work on siding/ insulation / plumbing/ electrical/ deck repair and soon roof cause the house is ready 24 years old. But is difficult to come up with any money to do all this repairs when I am paying high interest to webster bank that is making hard on me to keep this house. The House was appraised on today 's market for {$290.00} and I owe today XXXX not including what they added as 2nd outstanding principal they are claiming when I was told by an attorney 's office to stop making payments to force Webster bank to do the modifications for me. If I keep paying Webster bank this mortgage as it's today at the end this house will cost me at least {$800.00}, so far in 15  years I have paid Webster bank over {$170.00} in interest only. No bank want to give way an income of interest only of {$11.00} a year. I almost lost this house on a foreclosure about 7 years ago but with some help from our state senator, Webster bank give me the same mortgage for 40 years including the 2nd outstanding principal calling this a modification. In XX/XX/2020 I filled an application requesting a new modification to get me out of this mortgage in to a new 30 year fixed rate and make the payments affordable to give me a chance to safe some money to reinvest on the house that's in need but once again I was denied this opportunity stating that I can afford the payments and interest that they don't want to loose. I have not choice in also appealing to you as my last option to try to get some help on this matter that is ready a 15 years old battle. Attached I am including statements and documentation from the past and this year application and the last appeal I have filed with Webster bank in XX/XX/2020. This is a bad mortgage.

Happy new Year.

Thank you.
Product: Credit card or prepaid card

I called Capitol One Credit Card Company and requested a statement as I did not know why they were still pulling monthly funds from my bank account and I havent received any statements in months. They said I could go online to check. As soon as I tried, the page said it had to send a verification code to an old cell phone. I told customer service I no longer have that cell phone. He asked me for my full name, other details and asked for my full social security number which I thought was unusual. Usually its only the last 4 digits. I complied. He then said I can not have a copy of my statement or interest or payments until I also send a picture of my drivers license to them online. I told him I did not feel comfortable snapping a photo of my drivers license as well as all the other information I gave him. He said he can no longer help me unless I give him a copy of this. I told him I wanted to speak to a supervisor. He said he didnt have one but would transfer me to the fraud department. I spoke to XXXX, who also demanded my drivers license copy even though he kept saying I didnt have to provide it but they wont give me my statement without it. I asked him for a number to report this and he didnt know it then last minute gave me an inaccurate number. The entire process seemed unusual. They refuse to tell me anything about my statement and keep taking money from my account every month. I want to know what my statement looks like and how much interest they are charging me. I thought that would be against the law refusing to mail my statement or email it, apparently they do this to consumers all the time. Unethical practices. I thought Truth in Lending states that they have to provide detailed information pertaining to your account such as your interest rates. If they keep refusing to send me statements or be able to view them online, they can  just make changes whenever they want and keep taking money from my account that I cant even make changes to.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

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

XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/XXXX and I am yet to get a response Regarding this debt from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Product: Credit reporting

I have requested for fraudulent inquires on my credit report to be disputed in which Equifax has refused to dispute. Here is a letter from one of the fraudulent inquiries which was XXXX XXXX. XXXX XXXX has provided a letter to remove the fraudulent inquiries to the credit bureaus and Equifax has not deleted the fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 25 years. Chex Systems , Inc., has a current police report on file regarding me being a victim of identity theft. The following inquiries viewed by you and others currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank, and XXXX XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Debt collection

On XX/XX/XXXX my payment of of {$290.00} was received by Pioneer Credit Counseling, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to XXXX XXXX XXXX on or before XX/XX/XXXX but was not. The payment of {$8.00} was finally made to XXXX XXXX XXXX on XX/XX/XXXX. This now shows up as derogatory information on my credit report for being a month late.
Product: Debt collection

Hello, There is an apartment company claiming that I owe them {$590.00}. I have never stayed in this apartment complex nor would I ever stay in this apartment complex. I went to the XXXX XXXX XXXX XXXX to prove to my current apartment complex that I owe no not nor I have a stayed there. My new apartment complex confirmed with them that I have never signed a lease or anything otherwise I would not have been able to move into my new place. Every time I try to dispute it they say its real. Which is obviously incorrect.
Product: Credit reporting or other personal consumer reports

I have reviewed my XXXX credit report and found discrepancies in the information provided. I can assure you that the information in question is inaccurate, and it is negatively impacting my creditworthiness. 

I am requesting a thorough investigation into this matter and urge you to correct the inaccuracies promptly. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I expect this issue to be resolved within the timeframe stipulated by law. 

Following Accounts are not accurate : XXXX ) XXXX XXXX XXXX - Account Number XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX XXXX XXXX  - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX  - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate
Product: Credit card

In late XX/XX/2024 we received a package from XXXXXXXX XXXX a Texas-based sports retailer. In the box was a high end rifle scope ( XXXX ). We did not order this product nor have I ever heard of or purchased anything from XXXX XXXX. I immediately checked our credit card statement and found two separate charges from XXXXXXXX XXXX, one on XX/XX/XXXX for {$2300.00} and one on XX/XX/XXXX for {$2300.00}. Once I saw these charges I submitted a fraud claim to my credit card company, USAA Federal Savings Bank. I also reached out to XXXX XXXX to let them know that I had received merchandise from them that I did not order and expressed my willingness to return the item to them. XXXX sent me a voucher for shipping and I have proof of their receipt of the merchandise dated XX/XX/2024. Both of my initial fraud claims were denied by USAA. I appealed both decisions and on XX/XX/2024 one claim was again denied and one XX/XX/2024 one claim was affirmed. When I contacted USAA, the only information they gave me was that the merchant, XXXXXXXX XXXX claimed the transaction was valid and thus I would be charged in full. 

To recap, someone fraudulently charged 2 separate transactions to XXXX XXXX for high end rifle optics. One was sent to my house which I promptly returned to the merchant. USAA has denied one of my claims and has provided me with no recourse. How can I possibly prove that I didn't buy this item?
Product: Debt collection

XXXX XXXX reported on my credit reports that I owe money for services rendered. I have insurance in which I provided my information and a copy of my XXXX card to the hospital at the time.
Product: Money transfer, virtual currency, or money service

Someone took money from my bank that was synced to cash app and transferred it thru me to them. I put a hold on my bank but they released it again saying they couldnt fight a third party app. I have all the screenshots of the person and the amounts. Also I tried fighting cash app and they denied becuase it looks like I did it myself but I was hacked by XXXX speaking people who just kept hanging up ok me.
Product: Debt collection

On XX/XX/2018 I called Velo Law to get the amount owed because I was approved for a loan to pay off all my debt. Upon calling I had found out that they added an additional {$400.00} to my original debt and so I asked to speak to a manager. A very rude woman named XXXX said I would need to mail in written request. I asked to settle for the original amount and was told that i had to fill out a monthly financial statement and offer a proposal. She was incredibly intimidating and offensive in her behavior. I then stated I was going to collect some information of my own and report this law office to the XXXX, to which she replied that i was threatening and disconnected the call. I didn't know it was a threat to initiate my consumer rights. This is absolutely disgusting behavior.
Product: Debt collection

around XX/XX/2017 a auto i was buying from credit acceptance was totaled in a car accident and my insurance paided them along with my gap insurance which covers whatever XXXX dose n't pay.at that time i had a payment due when it was totaled and that payment was a little over XXXX.they are still trying to collect money from me by saying gap dose n't pay for past due amounts, which it was not They now have my amount up to XXXX dollors and that it is past due over 180 days.They started charging around.. the day the car was wrecked. i feel this is very fraudulent.They were at XXXXdollors my last check on my credit report says XXXX dollors
Product: Checking or savings account

On XX/XX/23 I opened a new Citi Checking account that advertised a promotion for XXXX XXXX XXXX for XXXX XXXX. 
Below is a breakdown of what was offered. 
XXXX XXXX XXXX bonus miles of After completing the following within 90 days after account opening Qualifying Citibank Debit or ATM Card Purchases of Enhanced Direct Deposit XXXX {$1000.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$750.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$500.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$120.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more On XXXX I completed the direct deposit requirement by depositing a total of {$1700.00} over two separate deposits from my paycheck. On XX/XX/23 I completed the debit card purchase of {$1000.00} by spending {$1000.00}. 
I've had Citi bank reps confirm I've met all requirements and should have received my award miles 30 days after completing the terms. This is confirmed by the Terms Of Service I received in an email from Citi that can be seen in the attached document CITI _ CITI XXXX. 
After not receiving my earned miles, I wrote to Citi to ask why they had not been credited, and received a letter from Citi stating that the terms were now different than had originally been advertised and that I wouldn't receive my award miles until at least 90 days after account opening, and could be as late as 30 days after the 90 days was reached. 
They are refusing to honor the terms of the promotion that was advertised and this is impacting my ability to plan a trip that was to use the awarded miles.
Product: Credit card or prepaid card

USAA reduced my overall available credit significantly then subsequently closed my account. They denied a subsequent application for a similar account stating that I had recently applied for too many accounts. 

Review my application and reassess decision based on CREDITWORTHINESS!
Product: Student loan

I have never attended college. I have a loan that surprised me for {$100000.00} with XXXX. When I call they can not tell me where this loan originated from, which school the money was dispersed to, or which student the money is linked to. 

When I call the XXXX XXXX XXXX XXXX they state that this loan was one loan for {$75000.00}. There is no master promissory note or documentation assigned to this loan. They also can not tell me where the money was dispersed to, which student it is linked to, or where the loan originated from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reported information on my credit reports regarding the XXXX XXXX Account # XXXX. The dates of last activity for this account are reported inconsistently across XXXX, Experian, and XXXX as follows : - XXXX : XX/XX/2019 - Experian : XX/XX/2019 - XXXX : XX/XX/2019 These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This inaccurate reporting is negatively impacting my good name, character, and my ability to qualify for new credit. The persistent discrepancy raises concerns about the reliability of the furnisher of this information. I call attention to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which states that a consumer reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' upon receipt of a notice of dispute from a consumer. To date, the action taken by your agencies has failed to rectify the inaccuracies identified and, as such, appears to be in breach of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuit to 15 USC CODE 1681a2, I did not give written permission to have these accounts furnished on my credit report. 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: Money transfer, virtual currency, or money service

A lady named XXXX XXXX said she sent money to me by Zelle. I received an email saying she sent it to me. But it was on hold due to a verification. Says i had to sent a clearance fee. And to do it by text to a number. The person from XXXX wanted me to send money. And XXXX was supposed to be a Zelle Support Agent. They tried to get me to send money but it failed and my account was flagged. They tried tol get me to create a XXXX account but i didn't do it. Now they're mad that i said i would call Zelle to say something about it and they stopped contacting me. I got my account straight and now i am glad I didn't send the money. I knew it was fraudulent.
Product: Debt collection

XX/XX/XXXX around XXXX XXXX, I got a call from the XXXX XXXX XXXX. They used my name and said they are attempting to collect a debt for lab work done. I explained that I haven't even received a bill yet as I just got the lab work done last week. the lady advised that this was for XXXX labs done in XXXX and XXXX in XXXX. I stated I never had any lab work done in those years. she stated XXXX was for some person born in XXXX with a completely different first and last name and I said I have no idea who that person is. I asked what address they have for the other XXXX that they are sending the bills to, she provided a TX address, I advised that is in the wrong state, i've never lived in TX. she advised she will remove me from it. 

I think this is scam b/c I did just recently get labs done and they used this as a scare tactic to make me try to pay over {$170.00}. Had I not asked the right questions I could have paid something that wasn't owed to the wrong company.