23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ Experian ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
Product: Credit reporting or other personal consumer reports

CREDENCE RESOURCE MANAGE 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 make take 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 1681 S-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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Regarding Paid Off Loan account with XXXX XXXX Dear CFPB Team, I am writing to bring to your attention an issue I encountered while attempting to dispute an account with TransUnion. I reached out to their dispute department regarding an account that has been paid in full, and I believe it has not been updated accordingly in my credit report. 

Despite my efforts to provide the necessary documentation proving that the loan was paid, I have not received a satisfactory resolution to my dispute. 

I kindly request your assistance in resolving this matter with TransUnion to ensure that my credit report accurately reflects the status of this account. I have attached copies of relevant documents, including payment confirmations and correspondence with TransUnion for your reference. 



Sincerely, XXXX XXXX XXXX Still Hasn't seen an update
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX 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.
Product: Debt collection

This fraudulent company ( XXXX XXXX XXXX  ) calls repeatedly, using an application to go directly to voicemail, and leaves a threatening message regarding an unspecified debt. When you attempt to call them, they refuse to answer any questions or remove the number from their calling list. They instead threaten you further and then hang up. They're just trying to scare people into giving them money with phony claims of debtors prisons. 

I kept calling back every time they'd hang up on me, they ironically threatened to report me for harassment. However, eventually they agreed to stop calling if I agreed to stop calling them. Give them a taste of their own medicine, and mention this bureau, they crumble like a dry cake.
Product: Credit card or prepaid card

On XX/XX/2020 a fraudulent charge was made on my Barclays XXXX XXXX credit card. This was discovered and reported to the card company on XX/XX/2020. The credit card company refuses to accept the dispute via their web portal, XXXX the phone claiming their dispute department was not taking calls. Their web portal also did not allow for submissions due to errors on the site. Company request a dispute be faxed or emailed In. Fax was sent and electronic confirmation of fax receipt was received, however company refuses to acknowledge receipt. Customer service is of no help. Providing different instructions on each call. This avoidance tactic seems to be common practice as indicated by numerous reviews on trust pilot and consumer affairs review sites. Meanwhile the company continues to charge late fees and reportnegative payment events to credit bureaus. Fraudulent balance was eventually paid by me to avoid continuing adverse impact to credit score. A ny state attorney general complaint has also been filed. Disputed have also been filed with XXXX  and XXXX  and the offending card has been cancelled.
Product: Checking or savings account

My chase bank account closed my account. 
They did not provide me any reason. I call back many time and they still gave me the same answer. Therefore I am filing a compliant and I want to reopen my account back.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEB-GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number : XXXX to whom this may concern, This account was paid in full for deletion and is still showing in my credit report. please delete. 
Thank you
Product: Vehicle loan or lease

In XX/XX/XXXX and XX/XX/XXXX, I attempted to use the automated system to make my auto payment with Chase ( as I have done for over two years ). Chase has put a restriction which prevents me from making my payment. This is because I requested they stop calling me at work. I called the number in XX/XX/XXXX, verified my account, social security number and make of vehicle. A Chase representative answers the telephone. I provide the same information again. The representative would not assist me because I would not give him my full birth name. This should be easily verified, since Chase states they record telephone conversations. There is nothing in my agreement that state I have to give you my birth name, especially since I provided my first and last name, social security number, account number and make of vehicle. The person then hung up on me. Chase denied me making the payment on time, because I requested they stop calling me at work.
Product: Debt collection

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XXXX you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. 

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Product: Mortgage

Bank of America Please refer to complaint XXXX previously submitted for supplement information. 


Bank of America has provided inaccurate response on payment information and has again increased my interest rate for the 4th time in one year when I have never been late and am on auto pay.
Product: Debt collection

Received the same message today. the XXXX left me a voice message claiming they needed to come to my home between XXXX on XX/XX/XXXX to give me some documents and I needed to provide to pieces of ID. and referenced a case # with the last 4 of my SS #. Also said to reschedule the appt ( which I never made one ), then to contact XXXX. Which I contact this number and asked who they were, the guy said ARS. I asked what is ARS and he said they were mediators for a client. I asked who the client was and he would not tell me. I didn't even get this person 's name and on the voice message there was no name or company name mentioned either. I told him, that no one is coming to my home or business and talking with people to get information about me. He told me to " just shut up '' and hung up. I called XXXX number and the message is exactly the same as the XXXX number. I too had identity theft and these guys used my married name which I have not used since XXXX. I don't know about you folks but I am pretty tired of these collection companies. They need to be illegal nationwide. I kept the voice message for evidence.
Product: Credit reporting or other personal consumer reports

I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
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. First XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 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: Vehicle loan or lease

I am filing this complaint because Lobel Financial is illegally reporting an increasing balance on a closed repossession account, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The account in question is : Creditor/Collection Agency Name : Lobel Financial Date the Account Was Closed : XX/XX/year>XXXX  According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. However, this account, which has been closed is still being reported with an increasing balance. Since the account is closed, no additional fees, interest, or charges should be applied. This is a clear violation of 15 U.S. Code 1681e ( b ), as the balance is inaccurate and misleading.
Product: Mortgage

Dates : XX/XX/XXXX - XX/XX/2019 Amount : around {$1000.00} CITI bank lender gave me a relatively lower rate for my refinance on the mortgage and promised to close in 30-40 days. The lender asked me to pay for appraisal before hand and she will reimburse later. However, the lower rate she locked doesnt work out after almost 2 months, and she can not close it. The lender called me with a very rude altitude and asked me to pay for the appraisal by myself. 

I want to get an apology on the rudeness and nonprofessional service, also the bad words that she said to me. Also I would like to see Citibank to reimburse the appraisal as well as the time I spent on this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I requested for the removal of all personal information that does not apply to my current personal data. Experian, XXXX and XXXX have violated the law by failing to remove this information. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, XXXX XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. 

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Product: Money transfer, virtual currency, or money service

Around XXXX of XXXX, I was phished for a phone code from who I thought was a XXXX contact. Family in Texas was contacted by scammers multiple times and asked for money. They verified with me that it was not me. My XXXX page was locked down when someone other than me tried to change the password. I attempted on several occasions to unlock it and sent in all the requested information and materials, but was unable to contact anyone or unlock my account. On XX/XX/XXXX, I received a phone call from a loan agency asking me if I wanted to consolidate my credit card debt and my mortgage together. I knew I must be the victim of Identity Theft because I do not use credit cards. I spent the next 2 days going through all my logins, financials, apps, and whatever else on the to do list and discovered that my social security number was incorrect with the credit agencies, I had numerous aliases and multiple fraudulent addresses listed in my files. I only used my Coinbase account for a short time to learn about crypto, but soon realized it was complicated and technical. I left the account idle for a long time, and noticed it had a balance that was not mine when I began my investigation. I worked with Coinbase Support to secure my email, secure the account, and then close it down. I filed a Police report on XX/XX/XXXX with my local sheriff 's office and sent it to my credit agency which has now corrected all the disputes with my personal information. The only company left to correspond with me is Coinbase. It has been extremely difficult to work with Coinbase, and speak with an actual representative so that this matter can be resolved. I have given Coinbase Support my complete personal information including emails, and cell phone numbers. As of XX/XX/XXXX, I have had no correspondence with Coinbase in any capacity since my letter was sent.
Product: Vehicle loan or lease

Purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX XXXX, within a month the transmission gave out, and the warranty didn't cover part that was failing. I asked the bank to help me Pay for it and they refused to help. So I let the truck stay at the mechanic shop and I walked away.
Product: Debt collection

I had been getting debt collection letters multiple times regarding toll violation, and im sure i did not made violation. I received the first letter on XX/XX/XXXX for {$410.00} ( i paid this not knowing this is a fraud ), i received the second letter on XX/XX/XXXX for another {$140.00}.
Product: Debt collection

Collection reported on my credit report I owe them XXXX. On XX/XX/XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. I received notification that I in fact I owe. The company sent a letter and an itemized bill. I provided them a second certified mail on XX/XX/XXXX again to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I have not received any notification. They inform the credit bureau that I disputed but no other action was taken.
Product: Credit card

I am the victim of identity theft an account was opened with USAA using my personal information. I did not authorize the account, nor my information to be used for the account. I did not receive any services or benefit from this account. My XXXX XXXX XXXX XXXX  sent a copy of my police report, fraud affidavit, government issued ID, and Limited Power of Attorney authorizing my XXXX Identity Protaction XXXX  to discuss the account on my behalf to USAA on XX/XX/year>2024. We had not heard anything back from the fraud department on XX/XX/year>2024, so my XXXX  and myself called USAA to follow up on the investigation. We were advised that they could not even see if an investigation had been completed. A new claim was filed, and the documents were resent to USAA, along with a request for the following information : Application records or screen prints of internet/phone applications o Statements/invoices o Payment/charge slips o XXXX  summary o Delivery addresses o All records of phone numbers used to activate or access the account o Any other documents associated with the account According to the Fair Credit Reporting Act section 609 ( e ), I am entitled to receive this information within 30 days of the request. On XXXX/2024, I received a letter from USAA declining to provide the requested information.
Product: Vehicle loan or lease

My car loan was sold from XXXX XXXX to XXXX XXXX. When XXXX XXXX was going through their merger, they couldn't tell me where the account was or where I needed to make a payment. Once we could finally get someone that could pull up the account, they refused to talk to my wife or take a payment from her until talking to me. We have asked multiple times for a permission form to be sent to us to give them permission to talk to her and we have yet to receive one. She is the one that makes the payments due to our work schedules. She is my legal spouse and works for a XXXX XXXX herself and doesnt understand how they can refuse to talk to her or take a payment from her on my open loan.