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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 
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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report multiple inaccuracies on my XXXX credit report, dated XX/XX/2024. These errors are not only misleading but have also caused significant damage to my financial reputation and creditworthiness. Despite being protected under the Fair Credit Reporting Act ( FCRA ), my efforts to have these inaccuracies corrected have not been addressed by XXXX. 

The specific inaccuracies I am disputing include : XXXX. XXXX XXXX Account XXXX : XXXX XXXX reported charge-off of {$23000.00} is inaccurate. This account does not reflect my financial activity, and its presence on my credit report is unjustified. According to FCRA XXXX ( b ), which requires credit reporting agencies to maintain accurate information, this erroneous report must be corrected immediately to avoid further damage to my creditworthiness. 
XXXX. XXXX XXXX XXXX Account Number : XXXX The balance reported for this collection account is incorrect and invalid. This debt has not been properly verified, and its inclusion violates the FCRA and the Texas Debt Collection Act. I demand its immediate removal as it continues to damage my credit report unjustly. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This debt does not belong to me, yet it remains on my credit report. As per XXXX v. XXXX XXXX XXXX, XXXX, credit bureaus have a responsibility to independently verify disputed information. Since this debt has not been verified, I request its immediate removal from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX This is a duplicate entry on my credit report, which is both misleading and incorrect. The continued reporting of this duplicate information violates the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX. This erroneous entry must be deleted to reflect my true credit history. 
XXXX. XXXX XXXX Account XXXX XXXX XXXX The reporting of this foreclosure is misleading and inaccurate. It does not accurately represent my financial history, and XXXX has not conducted a reasonable investigation as required by XXXX v. XXXX XXXX XXXX, XXXX. This incorrect and harmful information must be removed immediately. 

These inaccuracies have caused considerable harm to my financial standing and have impeded my ability to secure credit and housing. I have attempted to resolve these issues with XXXX, but my disputes have been ignored or improperly handled. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure my rights under the FCRA and other consumer protection laws are upheld. 

Thank you for your attention to this matter. I hope the CFPB can assist in resolving these issues promptly and ensuring that my rights as a consumer are protected.
Product: Credit reporting or other personal consumer reports

I have recently become aware that my identity and credit have been used to open several accounts ILLEGALLY. This has affected my ability to obtain a vehicle and housing for my daughter and I. This has also negatively impacted my ability to receive school loans to finish my degree.

Furthermore In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the following collection agencies 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. 


Below is a full list of every illegal collection on my credit profile. 

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: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and XXXX XXXX Dear 700CRXXXX XXXX XXXX XXXX XXXX I am writing to address a concerning matter regarding an inquiry reported by 700CRXXXX XXXX XXXX XXXXXXXX XXXX which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation.

Firstly, I require documentation proving that I provided express written consent for 700CR/XXXX XXXX XXXX XXXX to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying 700CRXXXXXXXX XXXX XXXX XXXXXXXX to remove this inquiry from my file within four business days. 

Furthermore, it has come to my attention that 700CRXXXX XXXX XXXX XXXX neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the XXXX  number associated with the security interest provided to 700CRXXXX XXXX XXXX XXXX. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1100.00} & {$1000.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file 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 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Payday loan, title loan, or personal loan

I called CashNetUSA on XX/XX/2019 and another day last week to ask for lower payment amounts because me and my husband separated and my daughter lost her health insurance and Im having financial hardships but they wouldnt help they asked if I needed to borrow more money. But I just wanted lower payments.
Product: Checking or savings account

A Capital One 360 checking account was opened as a result of a data breach, opened sometime in XX/XX/XXXX, closed by Capital One in XX/XX/XXXX. I learned of the account after receiving information in the mail showing account was opened in my name. The account was closed sometime in XX/XX/XXXX, a close out check for funds totaling XXXX was not received. The initial check sent to me on XX/XX/XXXX had a stop payment placed on it, which was premature by one or more Capital One reps. A second check was sent via XXXX, I received an email notification from XXXX showing a 2nd day air package sent to me from Capital One. I was in XXXX XXXX at the time and was not at home to receive, sign it, cash it. I left for vacation on XX/XX/XXXX, was in XXXX XXXX until XXXX. When I arrived home on XX/XX/XXXX, the package was nowhere to be found. A XXXX with Capital One leadership team informed me another party had intercepted the check, signed and cashed it. He had a copy of the check mailed to me, the signature on it is not mine, cashed at a XXXX XXXX XXXX  which I do not have an account at. I've provided this information to numerous Capital One reps, none of whom will acknowledge it or even look into. I've shown a copy of my itinerary from XXXX, as well as a statement from front desk personnel showing I was checked in XXXX XXXX at time of check delivery/cashing. Further, I provided a statement from XXXX XXXX, who was my driver to XXXX XXXX in XXXX, MA. I also provided an accounting from XXXX showing there was no funds transfer to my account for said amount, XXXX. The last Capital One management team member, XXXX, stated it appears the check was cashed in my name by someone else and it should be reissued. Capital One Executive Office does not agree and or sees it differently than their own manager, refuses to look into lost funds I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion violated 15 U.S.C. Subsection 1681 ( b ) and ( c ). On XX/XX/2022 I disputed the account listed below and asked TransUnion to provide proof from the court as to the results of their investigation, to date TransUnion has failed to do so. TransUnion has failed to disclose the nature and scope of their investigation within 30 days, ( A clear violation of the FCRA ). As of todays date XX/XX/2022 TransUnion has not responded. I have enclosed evidence as proof in support thereof that TransUnion violated 15 U.S.C. Subsection 1681 ( b ) and ( c ). Therefore The following account must be removed from my credit file : XXXXXXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

I have been trying to resolve these issues on my credit report for A while now. Transunion, has not been cooperative in my pursuit to get these issues resolve. In my disputes, I keep stating that these items are in violation of the fcra, and in-fact inaccurate their investigation ( s ) have not fixed these issues. I have been trying to get this addressed, but Transunion won't cooperate and is ignoring my letters and complaints.
Product: Credit card or prepaid card

There was a credit card transaction for a balance transfer of XXXX dollars from a XXXX  XXXX XXXX credit card to a Chase credit card. This transaction appeared on my bank statement XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because Experian, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you
Product: Checking or savings account

I applied for the {$200.00} guaranteed on my chime debit card and i had problems with having to receive a check for three weeks which caused me to be late for rent and no food or soap for almost a month I have experienced anxiety since then.
Product: Debt collection

Comenity Bank repeatedly calls me up to 10-15 times a day for payment on my credit card. Sometimes they call from a blocked number, every other minute. They have somehow gotten my mother 's phone number and have left her voicemails saying that they have attempted to call my place of employment- which is in fact illegal. She has kept these voicemails and they include the names of the representative. 

I also have a voicemail from representatives XXXX and XXXX on XX/XX/2023, stating that he recommends that it would be in my best interest to contact him with the name of my attorney, and if not, then to call him.
Product: Mortgage

I originally had my home mortage with XXXX XXXX and it was subsequently bought by another company called Specialized Loan Servicing ( SLS ). My home requires both hazard and flood insurance, which I pay for in an escrow account. SLS is my servicer and they pay my insurance and taxes from my escrow account. I just found out that my homeowners insurance has lapsed becasue SLS has not paid the insurance premium. The policy expired on XX/XX/19 and I only know about the lapse because the insurance company sent me a 'Lapse in Coverage Notice ', As of now, I have no homeowners insurance. I am really worried that something will happen to my house and I won't have the insurance to cover it.
Product: Debt collection

Portfolio Recovery continues to contact my employer after being told to cease doing so on XX/XX/XXXX. They called my work on XX/XX/XXXX and XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today, XX/XX/XXXX. This is creating both an embarassing situation in addition to a tense work environment for me. I have sent notices of dispute to this company asking for proof of my application for the credit card debt they claim I owe ; however, they just keep sending me copies of statements wherein charges were made and claiming that is all the proof they need ; never sending me what I asked for.
Product: Checking or savings account

Capital One for the XXXX hrs has had technical issues that are affecting direct deposits of pay checks. They are being very vague about it and not offering updates. I had to find out about this from the news and XXXX. They sent an email XXXX hours later that gave very little explanation and no ETA as to when it will be resolved. I need my pay check that was direct deposited yesterday. They are saying that due to this technical issue they are unable to process the direct deposits. I now have payments of automatic payments not able to go through and no pay. Monday is a bank closure so when will we get our moneyCapital One has no answer.
Product: Bank account or service

My name is XXXX XXXX XXXX. I 'm a bank customer of Wells Fargo Bank. In XX/XX/XXXX with absolutely no action taken on my own, XXXX offered me an automatic credit increase of {$300.00} on my credit card. I had taken out the card in XX/XX/XXXX/XX/XX/XXXX with a {$1000.00} security deposit. After XXXX consecutive months the bank returned the deposit, when I never asked them to, nor wanted them to. My intention from the start was to build my credit. Which I feel I have done after making approximately XXXX consecutive monthly payments on this credit card account on time!!! In XX/XX/XXXX of this year, I telephoned XXXX and spoke with a banker/supervisor about receiving another automatic credit limit increase, since not having received XXXX in 4 years. I was told by the banker that I was correct and was in line for such a decision. He also told me I would hear from the bank the following month ( XX/XX/XXXX ). I waited until after XXXX, and when I did n't hear from the bank I called them. That call was with a banker/supervisor, also. Diuring that phone call I was lied to, and told that no automatic credit increase review was forthcoming. The supervisor confirmed the bank does in fact have a random system of selecting card holders for credit line increases. But when I asked for the criteria which card holders are selected this person kept repeating there was none! That it 's all done randomly. My response was, does n't the bank think XXXX consecutive timely payments counts for something? The supervisor said the decision was random. Because the bank could not account for the criteria used nor explain why I had been lied to not once but twice it was clear to me I was the target of discrimination. Furthermore, the supervisor alluded to the bank secretly pulling my credit without my permission. Listen to the tape XXXX, becausr the conversation was recorded. You have an unexplainable discriminating process snd you 're secretly pulling my credit. There should n't be a random system that does n't reward customers likee that has made my credit card payments on time every month for XXXX or XXXX years. No lates. No over the credit line charges. This is the bank making decisions about my account illegally. Otherwise, how is someone expected to elevate their credit?
Product: Student loan

We didn't aes inform me consolidate my loan through a direct loans so I would be eligible for payment pause and loan forgiveness. The company willfully withheld information.
Product: Credit reporting, credit repair services, or other personal consumer reports

case number : XXXX XXXX I was told by police that were present at the time of both issues, that damage to personal property within a residence was not a crime. Unless it occured within somebodies private area, which in this case is our respective bedrooms because despite my mom not being on the title, she is considered a resident. SHE is the one who has been destroying the property in its entirety. While me and my little brother only tried to do the right thing and help her out. She is the one on probation and XXXX XXXX just getting out of XXXX XXXX from rha that she had been a part of for over a year. Somehow this has no pending court date, I have no been served any papers, and the police that were on scene said this was not a criminal case. So why is it showing up? I have evidence of many many jobs i have applied for in serious need, and this is most likely the cause of me losing potential money. So I will be finding a way to bring this case up and try to get some sort of financial aid from it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND XXXX FOR THE MONTH OF OF XX/XX/year>. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR XXXX XXXX XXXX XXXX  UPDATED THE ACCOUNT STATUS TO EXPERIAN AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED EXPERIAN AND NOT XXXX OR XXXX. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND XXXX. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.
Product: Credit reporting or other personal consumer reports

The following inquiries need to be removed from my credit report : XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, GA XXXX, Phone number not available ) Permissible Purpose : WRITTEN AUTHORIZATION Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, OH XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX, Phone number not available ) Permissible Purpose : WRITTEN AUTHORIZATION Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, OH XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Permissible Purpose : XXXX XXXX  Requested On : XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Permissible Purpose : XXXX XXXX Requested On : XX/XX/XXXX
Product: Debt collection

This negative item does not meet the FCA reporting requirements. I do not recognize how and why this is reported. Delete immediately, please. 

I have attempted to contact this agency asking them to vary the proof of debt and they've denied my request. They continue to contact me and my parents through spam phone calls.
Product: Mortgage

I accessed my account online on XX/XX/2020 and noticed that there was a distribution for {$91.00} from my escrow account with the description of " LienTaxDisb XXXX. '' I called to inquire what this distribution was for. I spoke with XXXX who informed me the distribution was for the fees and penalties that were owed on my late tax payment. I informed her that I had been told Lakeview would be responsible for those fees because it was their error which caused the late payment. She informed me that the amount is due from the previous lender so they took it out of my escrow to make the payment while they attempt to obtain the amount from the previous lender. She informed me it could take up to 60 days and my escrow account would be credited when they received the payment from the previous lender. This payment should be at the expense of the company, who should be responsible for making the payment it should not come out of my account to later be credited back.