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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also state 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 make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedate the report by more the 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX of XXXX  of charged off. Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the Following account. Account Name - Account Number XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

midland funding is attempting to collect on a debt that has a last date of activity of XX/XX/2017. This against federal law according to the FCRA and threaten to take legal actions is also against FDPCA LAWS, THIS DEBT IS OVER 10 YEARS OLD
Product: Credit card or prepaid card

I am writing this letter to file a complaint against Bank of America. 

We cancelled/closed our business credit card at the end of XXXX. A year and 8 months later we received bill from Bank of America for charges on the credit card for {$31.00} for charges for XX/XX/XXXX. We got the bill in XX/XX/XXXX and called in to Bank of America right away.

We called and said how is this possible to be charged over a year and half later after we closed account. We had a XXXX balance when we closed the account. They said " Well, we allow automatic charges to still go through on credit cards even if they are cancelled/close. '' I said that doesn't even make sense. I would understand if that was a month or two after the account was closed, but over a year and half. We disputed the charges as we consider them fraud and they were not authorized and we were told that they would close the account, provide credit, and consider the matter resolved.

Today we received another for the {$31.00} + {$19.00} late fee. I called and told them I consider this to be a scheme from Bank of America to overcharge their customers for fee 's. There is absolutely no reason why BoA should be allowing charges on a closed credit card account almost. When a card is reported stolen it stops all payments, but cancelling a credit card does not. I was told I had to wait 30 to 60 days for a response because there department was backed up.

I was charged late fees while the claim was being reviewed. This should have been an open and shut case. BoA should have closed the account when we closed it, no further charges should have been allowed.

Please help stop this schema from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has not been properly verified for inaccuracies. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Every bureau is reporting a different date of last activity and date opened for this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It XXXX Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015, MIDLAND FUNDING add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card

I opened the card around late XXXX ( possibly XX/XX/XXXX or XX/XX/XXXX ) with an offer of 1.5 % bonus cash back for 12 months with Chase Freedom, and they sent me an email on XX/XX/XXXX, saying that they made a mistake but will honor the reward bonus of 1.5 % up until XX/XX/XXXX, which shouldn't be the agreement. The offer that I applied for was for 12 months with a 0 % APR for 15 months. They did not honor my offer, even though I applied through the link that was referred to me. I got an email with the terms of a 1.5 % bonus for 12 months on XX/XX/XXXX, with a 0 % APR offer until XX/XX/XXXX. 
The link that I used to apply for the card was still available in XX/XX/XXXX and XX/XX/XXXX. 
Probably the worst thing about all this is that they have a promo for cash back matches for all purchases, so 5 % XXXX %, 3 % = 6 %, and 1.5 % = 3 % when I last checked. 

This is for cards ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. This is not mine. XXXX am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX is reporting incorrect information on my Chexsystems report. My checking account with them was closed and included in a 2020 XXXX XXXX Bankruptcy. The bank acknowledges such, and has sent me documentation stating such. However, they have not updated my Chexsystems report to indicate a XXXX balance. I have given them three years to update the information. I have contacted the bank several times, however they have not been receptive to my attempts at contact.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 ( AN ( 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. 
Remove Non mailing fraudulent addresses listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Unauthorized Fraudulent Accounts Listed Below : FCRA XXXX - XXXX ( XXXX ) Opened XXXX XXXX, XXXX, Credit Card Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law - XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX, XXXX - FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit card or prepaid card

Include dates : XX/XX/2021 amounts, and actions that were taken by you or the company : XXXX, all my cards it's paid in full each month and on-time This is ridiculous, i've been with citi over 20 years and have XXXX fico scored, always paid on-time and pay-in-full, i have total around XXXX credit with 3 cards combine, suddenly today i received a 3 letters saying all my account has been closed and don't give reason, have to write letter to the PO box address. This is so XXXX XXXX, what's going on? Anyone know what's going on? This is bad and not fair to consumer who has done nothing wrong and good credit. Can someone give me an answer? All my reward points can not redeemed too once it's closed according to the XXXX  rude customer service.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX my vehicle was repossessed by the title loan company I then received notice I had 10 days to pay the loan in full by XX/XX/2022 or the lender could sell the vehicle I contacted their resolution department and they told me if I paid {$850.00} by the XXXX then the car would be mine again. On the XXXX of XXXX I paid the balance due at {$850.00} then when I was give me the telephone number to the place where my car was being held they gave me the address come to find out they took my car 2 hours away to another city different from where I reside or where the car was repossessed or where the title loan was even conceived when I informed them I have no way to get 2 hours away they just were like sorry for you. Here it is now XX/XX/XXXX and my car still in a different city.
Product: Debt collection

XXXX. I got credit report on XX/XX/2022, I saw a credit card account, ending with XXXX. 
XXXX. First called to KOHLS Fraud Admin on XX/XX/XXXX, KOHLS opened a case, later on, consider " Not fraud ''. 
XXXX. About XXXX, case reopened, later on consider " Not fraud '' again. 
XXXX on XX/XX/XXXX, I called, KOHLS said " Pay to delete '', then I paid. 
XXXX but on XX/XX/XXXX, new account created. 
XXXX on XX/XX/XXXX, this new account paid off. 

the problem is, the original account, is still stay in credit report, a negative mark. 

XXXX on XX/XX/XXXX, account balance increase to {$290.00}. I do not know which account. 

So KOHLS use my personal information, create new account, increase balance, at any time. 

XXXX. By requested, I received a statement on XXXX XXXX the address on statement is not my own. 

I called KOHLS, declared the address is not my own at very beginning. why KOHLS considered " Not fraud '', again and again, and now, KOHLS doing many messy stuffs by using my personal information.
Product: Payday loan, title loan, or personal loan

The end of XX/XX/XXXX not sure of exact date the manager of Excel finance in XXXX XXXX Louisiana called my job every five minutes harassing me about payment.my manager got mad and told me the personal calls needed to stop.one hour later I'm working and the manager of Excel came into my job and began to talk about my account in front of everyone walking around customers and other employees.she began to tell me if I didn't pay her today she would have to go forth with suit and if I was embarrassed by her showing up on my job just wait until the XXXX 's serve me on my job.i was so humiliated and embarrassed people were looking at me and hearing all of my business my manager later came to me after she left and told me had he not felt so bad about my situation I would have been fired because my personal business should not be conflicting with my job.she almost cost me my job.they are still calling me on my job after repeated requests to not call anymore.i do not want to be contacted by them anymore.they have harassed me and violated my rights.i called the corporate office to report the issue and the lady said she would send the information to the supervisor and I asked will I get a call back and she said for what.what are you trying to achieve. I said my rights were violated do you not understand the severity of this your company violated my rights and you can be sued so no one 's going to call me back to deal with this issue or talk to me about this issue she began to say for what I told her okay well I'm going to go ahead and file my complaint she said it's your right do what you need to do I will give you the number and everything you need to file your complaint.
Product: Mortgage

XX/XX/XXXX To whom it may concern Our hardship began back on XX/XX/XXXX when my husband, XXXX XXXX lost his employment with XXXX XXXX XXXX. At this time we reached out to XXXX, XXXX XXXX XXXX, the mortgage holder, to inform them of the loss of employment and to seek out assistance and help. We were directed to there Loss Mitigation Department but they did not help us and the loan went into foreclosure. 
At this time, on or about XX/XX/XXXX we contacted our Community Legal Services for assistance, help, advice and guidance on resolving our legal situation. They assisted us with providing an answer to the Courts and arranging a mediation which took place on XX/XX/XXXX. A settlement was agreed upon but was never enforced. During this process we notified all parties that my husband, XXXX XXXX, became employed at XXXX XXXX on XX/XX/XXXX. 
In XX/XX/XXXX XXXX XXXX XXXX became the owner of the loan and again we applied and submitted documents for a loan modification. We received a preapproval for a modification in XX/XX/XXXX of XX/XX/XXXX in the amounts of {$2600.00} as an initial payment followed by a monthly payment of {$1400.00} which was to start on XX/XX/XXXX. We did not sign this preapproval and requested a reevaluation because we were not able to make this payment. The loan went into foreclosure again in XX/XX/XXXX and we hired XXXX XXXX XXXX XXXX to represent us. We were able to get the loan out of foreclosure and attempted many times to obtain a modification but still nothing happened. During this time the loan was sold again and went to Selene Finance and the process began again until legal representation ended on XX/XX/XXXX. 
During this time we applied to the different government programs available : XX/XX/XXXX- Hope for Homeowners XX/XX/XXXX-Florida Hardest Hits But we were not able to obtain assistance from anyone. 
We are now faced with the selling of our home which is scheduled for XX/XX/XXXX. This is why we are reaching out to you for help. We would like to see if you will be able to look into our case because after doing some research we believe that we may be a victim of predatory lending.
Product: Debt collection

I reported to the FTC about a Name being listed on my credit report as if it was my name, it states also known as. This name is associated with an account that was opened with XXXX XXXX XXXX  and then sold to LVNV funding, they are now reporting this name and this account on my personal credit report with XXXX, XXXX and XXXX XXXX have removed this account already, but XXXX has not and the collection agency continues to report this account as mines even though the names are similar but different. I t is affecting my ability to raise my credit and look responsible to employees and creditors, I would like it removed. The account was opened inXX/XX/XXXX for the amount of XXXX, I disputed this account back inXX/XX/XXXX andXX/XX/XXXX, I also included a statement on my credit report and file.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result of this breach, fraudulent accounts have been opened in my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I asked Experian to provide proof of a bankruptcy filing. They determined that the public record would remain on my report, and DID NOT provide the verification I requested. Instead, they said it would remain on my credit report until XX/XX/2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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

I visited XXXX XXXX XXXX in XXXX, Texas on XXXX-2018 with a pre-qualified notice from my current bank, XXXX  XXXX. The salesman and financial manager ran credit report inquiries without my permission with 2 different banks, XXXX XXXX via Credco and XXXX XXXX. 

I called the dealership to complain and they told me I needed to file a dispute. I distinctly asked the sales manager not to run my credit. 

I texted that night after receiving an alert that 2 inquiries were made. I told him I had trusted him and he said he trusted the financial manager also. 

I have the phone text showing this conversation. I also have an email stating I would have to file a dispute.
Product: Debt collection

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 2nd time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion that was delivered on XX/XX/22 asking them to re-investigate a fraudulent account on my credit report XXXX XXXX XXXX account number XXXX. The tracking number is XXXX. I previously asked for an investigation, and the account came back 100 % accurate. I requested a re-investigation after speaking with customer service and being told that TransUnion does not do its own investigation. However, this was the second time I mailed them a letter, and they refused to do an investigation claiming that the letter did not come from me or an authorized third party. 

According to the law 15 U.S.C 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a customer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with the factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who they spoke to. How did they complete the original investigation? I asked them to re-investigate and provide information on how they verified the account and they refused. I sent all the information I was told to provide. I personally reached out to this collection company and the original creditor, and they were not able to provide proof this was my account. This account is associated with a fraudulent address that TransUnion deleted as a result of identity theft.

15 U.S.C 1681 Section 602 A States that I have a right to privacy 15 U.S.C 1681 Section 604 A States that a consumer reporting agency can not furnish an account without my written permission By refusing to do an investigation and allowing fraudulent information to remain on my report, they have violated my rights under the FCRA. This has also caused me adverse action and prevented me from securing housing.