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 have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Cards Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Student loan

my loan has been given/sold without my knowledge, i have been trying to make payment arrangements and keep getting the run around or no options let alone I did not complete school
Product: Debt collection

I went to see XXXX XXXX XXXX XXXX in 2013, to get XXXX, on my first visit was the XXXX exam and how much my XXXX would cost me per XXXX. I give them my XXXX insurance card and a voucher of {$120.00} for my XXXX or XXXX. I was told that my exam was {$120.00}, I let the lady at the front desk know she can use my {$120.00} voucher to pay for the exam and XXXX will take care of the remaining balance. I told the doctor I would have to come back for my XXXX, do to money problems. The doctor told me to use the XXXX trials for two weeks to see if I would be happy with them. Once my two week was up, I went back to order the XXXX that 's when I was told I had a outstanding balance. Of which I never received any XXXX nor XXXX from them, I only received an exam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX-XXXX  XXXX, XXXX XXXX XXXX, XXXX-XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is in accurate as well. I have requested to have my addresses, phone numbers and names corrected on my report as this is a violation of my consumer protection right.
Product: Credit card

On Saturday XX/XX/XXXX I became aware of an issue with my bank when several XXXX  payments were declined. I called Bank of America XXXX-department and was informed that my account had been closed, and with it all associated cards. I was told a letter informing me about it had been sent out on XX/XX/XXXX. To date ( XX/XX/XXXX ) I have not received this letter. 
That weekend I called the Fraud department, was sent to the Risk / Closure departments, then was routed to a specialist who told me that the bank was " exercising their right to end our relationship without further notice ''. No further information or explanation. 
There has been no suspicious activity, no fraud or delinquencies on my account since I became a client in XXXX- for 17 years. My credit score is excellent and my credit report history exemplary. I am completely mystified and shocked by the very sudden and harsh treatment by my bank, severing our existing business relationship from one day to the next. 
On XX/XX/XXXX I went into my local BofA branch and spoke to a bank representative, they too could not find any information as to why my accounts had been closed. Their attempts to contact the XXXX department were met with further caginess and run-around, then they were told " it was a business decision '' and that " my credit had been revoked ''. For no apparent reason. 
That day I paid off my remaining XXXX  balances with the bank teller and have since been locked out of my online banking and access to my accounts. 
I called the Fraud and Risk / Closure departments yesterday on XX/XX/XXXX and was unable to file a dispute or appeal. I was told that the account closure was finite. 
This treatment is harsh and very sudden. I have been a loyal customer of Bank of America for over 17 years and have been suddenly and with no apparent reason or explanation been unceremoniously kicked to the curb.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXX XX/XX/XXXX, I advised XXXX XXXX Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. 
I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call XXXX XXXX Bank, I explained to XXXX, I contacted XXXX XXXX Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. 
XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Product: Money transfer, virtual currency, or money service

I sold this girl from my XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. She disputed the charge ; therefore, my Zelle account was deactivated & I got an email stating that on the XXXX. I contacted her & she said she would retract the dispute on the XXXX. I tried calling XXXX again on the XXXXXXXX XXXX went in person to XXXX XXXX with all the documented evidence on the XXXX. Both reviews were denied. On the XXXX, I reviewed my bank statements & it said the XXXX XXXXXXXX from the dispute was recovered for the disputed party. Essentially, I am being scammed out of XXXX XXXX & my Zelle has been deactivated. I also filed a sworn statement to the police. I attached all of the documents below, along with the case file of the sworn statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Requesting a Method of Validation Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX - This information reported by this agency doesnt match the data on the previous report and has this listed as a new debt as of XX/XX/2020 which is also illegal. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX Please include all names and contact information of employees that you spoke to at XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i believe this all started in XXXX 2017 when i purchased a pair of jeans from " XXXX '' the company that handles the money end to which you send your bill is " XXXX ''. Apparently my payment was two days late " unbeknownst to me '' so i got a late fee of {$25.00} i believe it was. I called after i got my second late fee figuring it was settled and that 's where it all started. I talked to a agent who i told my story that i was charged a late fee and this is when he told me my check came in two days late. He said and i quote '' as a one time courtesy i will remove the late fee '' i think i 'm all set but it got worse each time. They continued to bill me late fee every month which i responded to either via the " XXXX '' web site or phone calls from them each time a different person. On three of the calls to me i spoke to a women and i said i was tired of this and wanted to speak to manager well no one ever came to the phone so eventually i hung up, another call a man went thru it all with me said he saw where the mistake was and assured me he fixed it and i was all set, the third not but a week ago said she likes solving issues and wanted my issue be resolved i believed her. She said what happened was that they did remove the late fee but another late fee was already being processed. The man who said he fixed it said the one time courtesy never went thru so who is right? The last women sounded believable so i went with her but yet today i am still receiving bills have been called too many times to count, have been misled and lied to it also has gone on my cerdit report
Product: Student loan

I have struggled to get ahold of XXXX for over 30 days.. Sat on hold for XXXX hours over XXXX different days, sent multiple private messages and had no response. I was in the wrong repayment plan and now my payment is in an XXXX and its way more than I can afford. I am less than XXXX payments left on XXXX and cant get things straightened around. This is ridiculous.. I now owe over {$60000.00} on loans that were XXXX of that to borrow. Customer service is terrible, you cant talk to a human being to get help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX - account # XXXX 2 ) XXXX XXXX XXXX XXXX - account # not listed but picture of account is attached for reference. 

3 ) XXXX XXXX XXXX XXXX -account # not listed but picture of account is attached for reference. 

4 ) XXXX XXXX - account # XXXX 5 ) XXXX XXXX - account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 States a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1681C ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report with any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Please remove the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ncc is a collection agency for XXXX XXXX  apartments. They attempted to collect a balance for damages their apt manager marked off on original walk threw as not my responsibility because they were cause prior to me obtaining unit and they had no time to repair before i move in. When bill was received i XX/XX/XXXX i attempted to contact ncc to dispute i was treated horribly rep was boligerant. I then filed complaint and dispute of bill with ftc which resolved in my favor billing was dropped and i received closure from company confirming this after dispute was completed with ftc. Another year later XX/XX/XXXX they added it to credit report regaurdless of proof and dispute resolution and the letter they send agreeing the bill was fraud. Now i dispute with XXXX and XXXX  whom both agree to delete and remove. I find this fraud business practice and i think something should be done.
Product: Consumer Loan

It is my understanding that I have a right to pay towards the principal balance anytime and have the entire payment applied towards the principal balance assuming I have no arrears. I have navy federal refusing to apply XXXX dollars towards the principal that I paid 10 days before my actual payment was due which had interest taken out of it as well. XXXX different people including XXXX supervisors have told me the only way I can pay on the principal balance is make a second payment on the due date. I believe this to be illegal. please let me know.
Product: Debt collection

O n   XXXX   XXXX  , 2017 , a s usual, I paid off  my one-year-old    XXXX   XXXX   XXXX   Account, ( owned by Comenity Bank in  XXXX , Ohi o ) in  the amount of {$63.00}. The payment was sent through the company 's Website late in the evening on  XXXX   XXXX , the due date. I believed everything was paid off and had no balance. On the next month 's statement, however, the bank added a {$27.00} late charge. I have never paid the account late. I inquired about the reason for the late charge and I was told that the payment I made did not reach the bank by the required payment hour of  XXXX   XXXX  on the due date. I was appalled by this and went through a string of " supervisors '' to demand they retract the late charge. When it was refused, I demanded they close my account and I also told them I would not pay this charge.   I have made no additional purchases on this account. In my mind, the account is closed. However, the bank now adds another late charge EACH MONTH, and now is increasing the late charge to this CLOSED ACCOUNT. I am  XXXX   XXXX   XXXX  and live on Social Security. I ca n not imagine the audacity of this so-called bank to make this unjust charge. Please send them a messag e that this can not be justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX  IL XXXX Bankruptcy XXXX XXXX Reference # XXXX XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

I haven't been able to use my credit card during the Covid-19 pandemic. I found out today that Citi bank closed my account with no notice for non-use. I called and was told I had been informed but I never received the letter they claim they sent. My intent was to use the card for specific purchases made outside the home but since I've only been social distancing at home and the locations I want to use the card at are closed for the pandemic I haven't had an opportunity to use the card. Also, since Citi closed my account all my rewards points I had accumulated are gone. Citi says there's nothing they can do ... but they caused this to begin with.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX  {$200.00} XX/XX/XXXX XXXXXXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Auto ) XXXX ( Bank ) XXXX XXXXXXXX  ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX