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

In accordance with the Fair Credit reporting Act 15 USC 1681 section 602. It is imperative that Consumer Reporting Agencies uphold this responsibility to the consumer and respect their right to privacy. The lawful right to keep my information private in accordance with 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of the customers non-public personal information. ( LVNV Funding, XXXX XXXX XXXX, XXXX XXXX ) are considered financial institutions under that title. In accordance with 15 USC 1681 section 604 stating that In general subject section ( c ), any Consumer Reporting Agency may furnish a report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( LVNV Funding, XXXX XXXX XXXXXXXX XXXX XXXX  ) Furthermore I did not give consent to the financial institution and the Consumer Reporting Agencies XXXX, and XXXX and they absolutely did not have my written consent. XXXX and XXXX ( LVNV Funding, XXXX XXXX XXXXXXXX XXXX XXXX XXXX whether it be implied, verbal, written or otherwise is hereby revoked. According to15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose non-public personal information to a non-affiliated 3rd party unless the consumer is given an explanation how the consumer can exercise the nondisclosure option ( LVNV Funding, XXXX XXXX XXXX, Portfolio Recovery ) never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no Consumer Reporting Agency may make any consumer report containing the following items of info Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts would be adverse items that are being reported without my consent which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person has reasonable cause to believe that information is inaccurate. 15 USC 1681 e states Every Consumer Reporting Agency shall maintain reasonable procedures designed to avoid violations of sections 1681 c of this title and limit the furnishing of consumer reports to the purposes listed in 1681 b of this title. Unfortunately, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time I am opting out of your reporting services
Product: Debt collection

I received a letter from Phoenix financial services about debt that was written off by the hospital in XX/XX/2020. I have told them it was written off but they still want proof after XXXX of no bills or calls if the health care providers I received a debt letter saying I still owed money. They say I own them XXXX when none of my bills list the accounts they are trying to collect from. They bought my debt from another company as well. I had no medical insurance and it was at the start of the pandemic.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX 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 a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute online for the inquiries I do not recognize back in XXXX. I called TransUnion on XX/XX/XXXX and they would not remove the inquiries on my credit report. I do not recognize these inquiries. 

XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXXXXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX
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 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: Mortgage

While I was on vacation my mortgage got purchased by Truist Bank. I only became aware when my payment wasn't swept from my account on the normal date. I found a notice in my unopened mail and called Truist Bank to set up new recurring payments. As it was already the XXXX of the month my payment would not make it in time. I was told to skip my XXXX payment and start XX/XX/XXXX. In XXXX I noticed they hadn't taken my payment again. I called and was given the run around and could never speak to a supervisor. They said one would call me and they never did. They stalled until the XXXX day and finally called and said if I didn't pay it would mark my credit so I emptied my savings and payed. They have refused to allow me to see a transcript of my original call where I was told to start with my XXXX payment. They also said if I recorded any phone calls they would not talk to me. I have made mortgage payments for 30 years without ever being late or missing a payment. The methods of Truist Bank are to speak in circles and deny any wrong doing and " accidentally '' disconnected phone calls 3 times as I was supposedly being transferred to a supervisor. This is no way to treat hard working people. I did not ask this fraud of a bank to enter my life and cause so much stress that I was losing sleep. I feel helpless against a XXXX dollar corporation with no recourse. I hope this can help others as I'm probably beyond protection. Thank you. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request the immediate removal of an unauthorized account that appeared on my credit report due to identity theft and the XXXX data breach. The account in question is for a loan with XXXX XXXX ( Account Number : XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I have the right to request the deletion of any information related to identity theft from my credit file. I have provided all necessary documentation, including an identity theft report and affidavit, to verify that this account does not belong to me. 

Despite the breach of my personal information, I have suffered further harm due to this inaccurate and fraudulent reporting. I request that the account be removed promptly, and my credit report be corrected to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after bank sent me letter advising me to contact Experian. I gave them all the info requested and was told i can not receive my report until i mail 2 forms of ID. I am out of the country and not sure if i mail anything to them it will even get to them. 
I offered to email them everything they requested but they insist i mail them. I offered to upload requested info on their website. i feel like my bank XXXX and Experian have tricked me and now i have a negative app and i can not even find out why. Unless you jump thu hoops i would say Experian has found a way to go around the laws that are suppose to help us take control of our personal information. i am just trying to find out what Experian is telling everyone but me. 

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

Account was closed due to suspicious activity when I did not open the account but they will not remove it off of my credit report.
Product: Checking or savings account

I had a secure account/ certificate of deposit and account was current as of XX/XX/year> yet Vystar took my moneyXXXX and closed my account.When I inquired about this they would not provide me a response I received {$290.00} after each payment was made I was counting on this money to supplement my income.i noticed there were several unauthorized transaction on my accounts when I enquired about that I was told to contact their legal department which would not talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mixed my credit report with my brother 's credit report. I talked to their customer service multiple times ( XX/XX/2023, XX/XX/2023, XX/XX/2023 ). I also mailed them a letter to explain the problem and submitted documents for identification. However, the problem still didn't get resolve.
Product: Debt collection

My application was denied by XXXX XXXX XXXX, 15 U.S.C.1691 its unlawful to discriminate in any aspect against anyone who exercised Their Right in Good Faith. Credit is the right Granted under title 1602 ( f ). XXXX is however in Partnership with XXXX XXXX, 15 U.S.C. 1666b if there is a balance of credit or insurance of the Account in connection to a Consumer Credit Transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit. The amount can not be known without knowing the journal and ledger, entries of the account from the date of account opening as described in Publication IRS 583, XXXX is in fact a debt collector. 18 U.S.C. 894 ( a ) ( 1 ) ( 2 ) collections of extensions of credit by extortionate means. If XXXX can not provide me the Information Im required to have, Please Remove from My Consumer Report.
Product: Checking or savings account

A one-day bank transfer was initiated from XXXX on Sunday XX/XX/18 to my checking account and the transfer showed pending in my checking account on Monday XX/XX/18. Apparently the transfer did not clear until early morning around XXXX XXXX on Tuesday XX/XX/18, so a paid overdraft fee of {$36.00} was applied to one transaction, and two transactions were returned, and return fees of {$36.00} each were applied as well, after the XXXX deposit was made. 

I spoke with the bank 's customer service line twice and they would not transfer me to a manager to dispute the transactions, and said nothing could be done. I also called the branch where my account was opened and they informed me the manager would not be in till next week. 

I believe I was treated unfairly by being denied management communication. I also think it is unfair how transfers are made in order for the bank to profit from a loyal customer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

This issue pertains to a dishwasher I had purchased on XX/XX/23 at Lowe 's in XXXX XXXX, IL. I was planning to use my Lowe 's Credit Card ( Synchrony bank ), a 10 % off coupon from Lowe 's ( when using the Lowe 's credit card ), and a {$25.00} gift card. The associate applied the 10 % coupon to my order ; however, when she applied the {$25.00} gift card, the coupon was no longer valid. The associate told me since the gift card was already used and the funds were un-retrievable, we would have to complete the purchase, refund the purchase ( giving me the {$25.00} gift card as Store Credit ), and redo the purchase again without a gift card ( just the 10 % off coupon+ Lowe 's Credit Card ).

The front desk and assistant store manager had to get a hold of IT but the refund of {$850.00} was made ( {$25.00} given as store credit in a card and the rest ( {$830.00} ) supposedly refunded to my Lowe 's Credit Card account with Synchrony Bank - see attached receipt time-stamped XXXX XXXX  ). Immediately afterwards ( XXXX XXXX  ), the purchase was made again ( with just the10 % coupon, for a total of {$810.00} ). 

I was told the refund would take a few days to be applied to by Lowe 's Credit Card account with Synchrony. After 15 days, I saw no refund on my online account, so I called Synchrony Bank ( XX/XX/23 ). I was informed the store never put in the request for the refund as no refund was pending on my account. 

I am asking for a refund of {$830.00} There was a letter sent by Synchrony bank stating they were looking into this issue and no payment is required at this time, while the charge is under dispute. However, this letter this no longer available online ( leading me to believe something suspicious is going on- I can't trust Lowe 's for their word as stated previously with the refund that was never processed by the XXXX XXXX Lowe 's branch ). 

I am told the dispute investigation can take up to 60 days and is not guaranteed. Synchrony never asked for any receipts or details so I am not sure what they will be investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My identity has been stolen due to recent and pass data breaches, I have seen some accounts in my credit report that do not belong to me and I'm requesting for them to be removed from my consumer credit file, I filed and ID theft report that will be attach to this complaint please removed these account from my credit report. 
Thank you.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX 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: Prepaid card

Private card preloaded card then went to activate. It and said it could not be activated, but yet the money is on the card. You would think it would be pre. Occupied when you preload it, it's a XXXX XXXX. What is the issue? I gave them all my information. And they're trying to say I'm giving them false information, but it's not. And now. 
They're saying I can't use my money. So what am I to depending on? 
This money and it's an emergency. My grandmother is a diabetic and needs her medication or else she can die. If something happens to her in the meantime. What is she? What are we to do? It's gon na be on your fault. 
I don't know why they just can't let me use my money and then close the car or let me use what's in it.It makes no sense to me it's prepaid
Product: Credit reporting or other personal consumer reports

I am writing to convey my deep frustration, anger, and disbelief regarding your handling of the fraudulent accounts that have appeared on my credit report. Despite my numerous efforts to resolve this matter and my thorough submission of all necessary documentation, including the FTC Identity Theft Report, these fraudulent accounts remain unresolved, and my credit report continues to display inaccuracies that are severely affecting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention with the understanding that an investigation would be conducted and that the accounts would be removed if found to be fraudulent. Since then, I have sent multiple letters and provided all required documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence I have presented, I am deeply frustrated that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received a satisfactory resolution or clear communication regarding the status of your investigation. 

It is extremely disappointing to experience such neglect and lack of responsiveness from an institution that plays a critical role in protecting consumer financial information. The continued presence of these fraudulent accounts is not only unjust but also a significant violation of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Debt collection

In 2020, my XXXX XXXX XXXX XXXX XXXX from a computer I bought from XXXX. It also caught a spark and burned the motherboard completely. I explained that this was the third time they had changed the motherboard and the harddrive and was still giving me problems, including the fact it would get too hot. I explained my machine was a lemon and I wanted a new computer or a refund and they completely refused. They offered no more help even though I had paid the premium technical support. Claiming that I had already had three changes of motherboard and harddrive and they wouldnt be able to do anything further. 

When I saw I wasnt getting anywhere with this, I stopped paying for it. I felt I was robbed of my money. That computer was only 6 months old. XXXX then turned around and sold my account to Portfolio Associates. I showed them the photos of the XXXX, I explained to them that XXXX refused to exchange or refund my purchase, and they still insisted I owed this money. 

I had previously paid XXXX {$700.00} of the {$1200.00} total. Portfolio Associates says that I owe them XXXX even though I had previously paid {$700.00} to XXXX. I only truly owe {$500.00}. They currently remain with an overcharge amount in my account and have ruined my credit. 

I have spoken to all the credit bureaus, XXXX and XXXX refuse to delete the amount from my account even though I also showed them the photos and evidence. Furthermore, I found on the internet that this was a common issue with those laptops and XXXX has never issued a recall or to exchange the parts. 

This charge is not my fault. I do not owe that money. That laptop should have been exchanged or refunded. It obviously has a heating issue and was faulty from the start. The model is XXXX XXXX XXXX but most of the XXXX have this issue. 

XXXX  and XXXX  are also at fault for allowing the crooks at Portfolio associates to continue to put a blemish on my credit despite the fact they were informed about everything and for the overcharge. 

This has been a gross oversight from all sides, and I will keep fighting it until it is removed from my credit. Paying {$700.00} for that laptop was already TOO MUCH. I would like to take it to court, but I was informed I can not because it can only be heard in small claims court unless a larger class action suit is filed. I feel powerless and I am not a thief. I pay everything I owe every single month. There is obviously an issue, and NO ONE IS LISTENING TO ME OR PAYING ATTENTION!