23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After reviewing my consumer credit report, it is clear your agency is in multiple violations, and I am entitled to monetary compensation under FCRA 15 U.S. Code 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions not initiated by me, the consumer. The law is explicit : ( A ) The consumer must authorize the agency to provide such a report. 
( B ) ( i ) The transaction must consist of a firm offer of credit or insurance. 
( 3 ) A consumer reporting agency shall not furnish a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( 2 ), any person obtaining a consumer report under pretenses or knowingly without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report.15 U.S.C . 1681b : Permissible Purpose of Credit Report. I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act this creditor ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) states that a Consumer Reporting Agency can not publish an account without my written instructions. The Reporting of Late Payments by this creditor is a violation of 15 USC 1666 ( b ). Pursuant to the above listed FCRA laws this account must be UPDATED to PAANL or DELETED. This account is in violation of ( XXXX ) FCRA Laws resulting in inaccurate credit reporting on my consumer report.
Product: Debt collection

I was checking my credit report and I realesed this agency claims I have an account with XXXX and I owe them {$370.00} even though this debt is n't mine and I have not been contacted by this company about said bill. my credit is starting to decline and it is crippling my chances on finding employment
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX  5 ) XXXX/XXXX 6 ) XXXX  XXXX XXXX  7 ) XXXX   XXXX XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  11 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681 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, 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 and 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: Debt collection

I noticed a debt from Wakefield and Associates for {$2100.00} on XXXX and {$2200.00} on XXXX both for the original creditor name of XXXX XXXX XXXX XXXX. I called the original creditor and they stated they had no record with the dates on my credit report. I contacted the debt collectors via telephone today and they stated my balance was XXXX. I asked about the difference in the balance and they stated that they are charging interest on the debt. I believe this is a fraudulent debt and they are reporting several inaccuracies between the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- I am a victim of identity theft thru a security breach at Equifax. I learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I therefore requested XXXX XXXX to be used that it be closed immediately. I also filed a dispute with Equifax. 
XX/XX/XXXX - I received confirmation, reference number XXXX, from Equifax that the dispute has been completed. 
XX/XX/XXXX - I attempted to access the result on line per Equifax, I received an error message " The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or contact us directly to check the status of your dispute ''. I was unsuccessful to reach a live representative at Equifax. I sent a follow up letter requesting Equifax to provide the result of the investigation and action taken per Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my report, i decided to dispute error/incorrect information on my report to TransUnion, and XXXX on XX/XX/2022. its already been 30 days since i sent the first letter of dispute and they have not reached out to me on updated progress/results. The 2nd letter was sent on XX/XX/2022, requesting updated progress/results ; still no response on their end.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, I received notification from Credit Karma entailing that several accounts in my credit report had been removed and renewed without rhyme or reason. This took place within a window period of XX/XX/XXXX, XXXX XX/XX/2024. 

This illegal process inevitably caused my XXXX XXXX XXXX to drop XXXX points causing me financial distress. 

This illegal process of removing a account has a direct effect on the credit report due to its direct effect on the algorithm of age, credit utilization, inquiries etc The account which was removed and reopened as stated on credit karma were : 1. CURRENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit karma report states that the CURRENT account was removed and instantly reopened. 

It still reports as being a closed on CREDIT KARMA. While CURRENT has reassured me that such account was never closed from their end.

However, CREDIT KARMA nor XXXX reported the positive balance of the CURRENT credit card payment which would have increased my credit score rather reduce its points.

The credit karma report also states that the aforementioned CREDIT INQUIRIES were removed then replaced as new credit inquiries.

However, when reviewing the accounts mentioned above, all the dates highlight the original date these items was placed on my credit report. This clearly demonstrates that there a manufacturing error deliberately aimed to harm my score.

These activities listed above has direct effects on the point system of consumers credit reports. I have been directly effected from this causing me to halt my purchase of a vehicle because of the dramatic decline in my score which now sits a XXXX XXXX XXXX XXXX. Which ultimately, is a XXXX XXXX  per XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 05/17/2024, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$17.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} Original Creditor : XXXX  XXXX Balance Owed : {$130.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan

Generally, they will draft all the interest payments, but REFUSE to draft when I am trying to pay a lot more to reduce my loan principal ; they always act completely confounded, while they are willfully defrauding me, they keep charging exorbitant costs for their actions not mine
Product: Mortgage

I called Freedom Mortgage on XX/XX/XXXX to request an excess from our escrow account to be refunded. I was told the escrow excess would be sent in a check via 5-10 business days. I called back on XX/XX/XXXX and was told by the agent that the analysis was never completed or requested. I can see online that there is an excess, and it needs to be refunded. This has been 30 days since to get a simple formula let alone the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to provide proper validation after repeated attempts in regards to Accounts for XXXX XXXX XXXX and XXXX XXXX. They continue to report these accounts after repeated attempts by me to send them letters from the debt collector and original creditor stating I am not responsible for these accounts. They are violating the FCRA by reporting these accounts erroneously. I have attempted to provide these letters repeatedly and have been given the run around by their customer care team. I am asking these be removed immediately as I have proof that I am not responsible for these accounts. On XX/XX/19 I sent a letter from XXXX XXXX XXXX being collected by XXXX XXXX   to show XXXX XXXX XXXX responded saying '' I am no longer responsible for this debt '' if this is the case Equifax is illegally reporting this account to my credit report. Also I sent a letter the same day from the debt collector on behalf of XXXX XXXX and they said the same I am no longer responsible for this debt. How then is Equifax allowed to report these debts when they are no longer valid?? I would like a response from them as to why they think they can continue to report these two accounts claiming they validated and I have letters proving otherwise. And continuosly denying that my letters dont change anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Experian Hard Inquiry Removals : XXXX. ) XXXX XXXX / XX/XX/2023 XXXX. ) XXXX XXXX / XX/XX/2023 XXXX. ) XXXX XXXX XX/XX/2023 This is a violation of the Fair Credit Reporting Act ( Section 1681 b ) and a serious breach of my privacy rights.
Product: Bank account or service

I OPENED AN ONLINE CHECKING ACCOUNT WITH CAPITAL ONE, I PUT MY SON WHO IS A  XXXX  VET DOWN AS CO-ACCOUNT HOLDER I GAVE CAPITAL ONE HIS ADDRESS SOCIAL SECURITY NUMBER AND ALL ITEMS TO HIS I.D . I DEPOSITED A CHECK FROM NY STATE REFUND THEY ENDORSED THE CHECK. MY SON IS HOSPITALIZED AT A VETERAN HOSPITAL IN NY  .CAPITAL ONE FROZ E MY ACCOUNT AS I AM THE PRIMARY HOLDER. UNTIL THEY CAN SPEAKE WITH MY SON MIND YOU THE CHECK IS IN MY NAME  XXXX   XXXX , I 'VE TALKED TO MANY A CAPITAL REP 'S THE SAME OLD SHUFFLE.I TOLD  XXXX  MY SON IS IN A  VETERANS HOSPITAL WE RE NO PHONES ARE ALOWWED AND THAT I 'M WHELL CHAIRED BOUND THE Y DID NOT CARE .THIS H AS BEEN ON GOING FOR SOME DAY ' S .I TOLD CAPITAL ONE SE ND THE MONEY BACK TO THE STATE OF NY THEY SAID THEY WOULD NOT, SO THEY JUST GOING TO KEEP MY MONEY!
Product: Credit card

I am ensuring that prompt payments has been a priority for me on this account, with no history of delays. I'm puzzled by the presence of late payment remarks on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. DEPTEDXXXX {$3500.00} DEPTEDXXXX {$4500.00} DEPTEDXXXX {$6000.00} XXXX {$780.00} XXXX {$510.00} XXXX {$2000.00} XXXX {$3500.00}
Product: Mortgage

I completed a mortgage with Loan Depot. This year I was notified that a security breach at Loan Depot caused a compromise of my personal information. Due to this breach, I was informed by letter that they were provided 24 months of credit monitoring. 

I missed a deadline for the activation code in my letter so I called to get a new one. They are telling me that there is nothing they are willing to do to activate my credit monitoring past the arbitrary deadline. 

I asked them why they won't just provide the monitoring for the 24 months minus the time by which I missed the deadline. They simply repeat their unwillingness to help. 

I find this unacceptable. I did not cause the problem. There was no " deadline '' on their inability to keep my personal data safe. I believe the least they can do is accommodate my in providing the ability for me to monitor my credit during the time period allowed by the data breach remedy. This hard line they are taking on the sign-up cut off is not fair to the victims of their poor information management. 

Please help me gain the protection I deserve for this breach.
Product: Mortgage

I have a mortgage with Bank of America who cancelled my auto pay provision without any notice to me. This resulted in my being 60 days late without my knowledge. Once I was informed I immediately made payment to bring my account current. The following month in XXXX it was my understanding that my automatic payment process would be resumed, something I confirmed with the B of A representative over the phone as I was making arrangements to correct the balance on my account. I made my payment in XXXX to bring my account current as I negotiated with the representative over the phone and assumed that this mishap had been resolved. In XXXX I had pressing issues and I did not follow my balance with my account from which the payment should have been withdrawn. In XXXX I discovered that the payment had not been withdrawn and I immediately went to the bank and made a payment on XXXX XXXX that included late fee 's. The check cleared my bank XXXX XXXX, 2016. At that time, I was receiving calls from Bank of America demanding payment and reciprocating in the mail their pre-foreclosure packets. I called the B of A and was first informed that they had no record of my payment and that I had to make a payment with certified funds that day. I contacted a friend who is a Mortgage broker and we call Bank of America together. After several questions from my friend, Bank of America admitted that they had received my funds but returned them and that I had to make another payment with certified funds. This was XXXX/XXXX/2016. The spokesman told us that funds had been returned. On XXXX/XXXX/2016 I received the check with a letter from BofA that my funds were being returned. The check was dated XXXX/XXXX/2016, the envelope that the check was mailed in, however was dated XXXX/XXXX/2016. Bank of America waited another seven days to mail the check. Bank of America had accepted my funds, cashed the check, verified that they had indeed received the funds, then returned the funds and reported me late on my credit report and accelerated my loan into pre-foreclosure status. I am planning on taking B of A 's check to the bank and substituting it for a B of A certified check, and redepositing the funds back to ensure my loan does not go into foreclosure however I believe that Bank of America, by accepting my check, cashing my check, verifying that they had received the cash, and then returning the funds in favor of certified funds after receiving payment should be illegal. I further believe that while holding my funds, accelerating my account into their pre-foreclosure process is unconscionable. They held my funds and then charged me a penalty for being late, and accelerated my loan to pre-foreclosure status, even though they had verified that my funds had cleared and were in deed deposited into their account. Then took an additional week and a half to return the funds and only did so when I presented them with proof that they indeed were holding my funds.
Product: Credit card

I previously had a General Motors credit card. I allowed the card to lapse about three years ago. I cut up the cards and there has been no activity on the card for over three years. 

In XXXX of 2015 the credit card management company, Capital One allowed a vendor, XXXX, to make a charge against this card. 
I had previously allowed my membership to XXXX to expire. I disputed the charge made by XXXX in XXXX of 2015. 

Since that time I have seen the original charge along with overdue charge to continue to grow. I complained a second time in XXXX of 2015. As of yet this has not been resolved. 

This account was closed. 
The vendor had no right to make a charge against me. 
The vendor had no right to make a charge against a closed card.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my XXXX, Transunion and XXXX and I noticed some late payments on my credit report : Original Creditor : XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the late payments from my consumer report, this agency violates 15 USC 1681. 

I XXXX XXXX XXXX XXXX is giving your company 15 days to respond. If your company does not respond in 15 days, you are legally required under the FCRA to delete these late payments from my credit report. If not, I will take legal procedures against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 4. 1692g violations 5. Fair Credit Reporting Act 15 USC 1 6. 681 violations for willful noncompliance-6 7. 16. Civil liability for willful noncompliance ( 15 U.S.C 8. 1681n ) Best regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

PayPal won't allow me to close my account. 

I tried to buy a XXXX toolbag and a scammer never sent it but PayPal stated they did by regular mail. 
I was sent no Email or tracking for the bag. 

I have the United States XXXX XXXXXXXX XXXX and it showed nothing delivered I screen shot it and sent it but no response. 

So I paid it and tried to close the card but instead they charged me for a physical card for XXXX.
Product: Credit card

I pay XXXX XXXX to avoid Standard and Deferred Interest on your next statement in full each month yet am noticing my new statement balance is not going up - not down - with no new charges. I tried to call XXXX for an explanation and they cant clearly explain what is going on.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and Im completely baffled as to how this happened. I check my credit report regularly, and everything was fine until today when these errors appeared out of nowhere. I even tried refreshing the page, thinking it might be a browser glitch, but the inaccuracies stayed. Im pleading for a thorough review of the documents Ive submitted to resolve this once and for all, so I can stop living in constant worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested debt validation TWICE from Financial Account Services for several accounts that they have listed on all of my credit reports. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.