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

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent. 

Acct. name - XXXX XXXX acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. 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 consent.
Product: Credit reporting or other personal consumer reports

For any account that is alleged to be derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for the Bankruptcy that you are reporting. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the Bankruptcy from the report. I am looking forward to receiving your proof of action and my updated credit report. 
This information is not accurate. This is financial slander.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Consumer Loan

I had a lease with Infiniti Financial Services for 36 months - always paid on time. At the end of the lease I extended it in order to make repairs to my car and was told I would receive a bill when I turned in the vehicle. I called their customer support a few times to verify this was correct since my auto-pay had stopped. 2 weeks ago I checked my credit score and saw it had dropped from XXXX to XXXX and there was a late payment notice on my account from Infiniti Financial Services. I called them and complained that they never sent me a bill or contacted me and they should immediately remove this incorrect report and also send me a bill. They said since the car was just turned in it would take 4-6 to receive a bill. I asked how come they reported me as late if the bill did not go out. They did not have an answer. I asked for proof that they sent a bill or that they were going to remove the incorrect reporting - they refused,
Product: Debt collection

I have been in contact with this company on a regular basis and have been making regular payments.Yet it is reported as past due/unpaid?
Product: Credit card or prepaid card

I received a consumer alert from my XXXX  Privacy Assist Member Services. That a possible suspicious account activity has appeared on my credit reports for SYNCB/PPC credit card account was opened using my identity. Until the alert I was totally unaware of the account. Why? Because i never received any form of direct correspondence regarding the existence of the account. Nor have I ever received any card, electronic or paper mail correspondence. The credit reports indicated who ever opened the account was making payments on fraudulent charges made, starting in XX/XX/XXXX. And stopped making further payments as of XXXX, XXXX. Leaving a delinquent balance in XXXX, XXXX of {$3600.00}. I attempted to call the creditor. But since I had no supporting proof of account ownership. And/or unable to reach an actual human. I am left at this stage to challenge what has happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX  XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Product: Mortgage

In XX/XX/XXXX, we XXXX learned that our mortgage payment had almost XXXX in XX/XX/XXXX ( I think XXXX but we were n't notified. We have been making our monthly payment plus an extra {$50.00} each month, but suddenly we are some {$2000.00}. delinquent and facing foreclosure. We get multiple phone calls from a machine and XXXX notices each week, but when we try to reply, we leave a message and get no response from a human.. I have sent numerous letters also. Being retired and having a recent XXXX XXXX, I cant afford financially or physically to pay what they now expect. I feel threatened and scared. I do n't know what to do at this point. I NEED HELP. I want to keep my house and have made monthly payments for over ten years, and now this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning, and I have no clue how they got there. I check my credit report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the incorrect accounts were still there. This issue has left me deeply concerned, and I urgently request a thorough review of the documents I've submitted so I can finally put this worry behind me.
Product: Debt collection

Greetings!!! 

I, Consumer, XXXX XXXX, entered into a consumer credit transaction with Renasant Bank in XXXX of XXXX. It was later discovered that the financial institution was Elan Financial. A consumer credit transaction in which a finance charge was involved 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Because there was a finance charge used in this consumer credit transaction, there should not have been any cash included, but Elan Financial has taken cash payments. The Finance charge is supposed to include insurance, but I was never informed of my right to the insurance being included in the finance charge. 

To be honest, I have felt blindsided by some of the actions of this company such as contacting my employer and stating that I owed money on the debt which took place in XXXX of XXXX. It was because of that very reason, I wanted to know about my rights as a consumer when it comes to a debt collector. Under 15 USC 1692, its states I have a right to Cease and Desist and a right to validate an alleged debt. On XX/XX/XXXX, I wrote Elan Financial to do just that and they sent me a letter back that blatantly violates my right as consumer.
Product: Credit reporting or other personal consumer reports

Back in XXXX i sent around {$700.00} for a purchase of a dog and in the ended up being a fraud account. I did contact Zelle and they told me there was nothing they could do for me. I never received the dog and lost out on my money.
Product: Vehicle loan or lease

Our XXXX  XXXX XXXX XXXX XXXX ( VIN : XXXX ) got totaled due to a crash on XXXX. Our insurance company, XXXX XXXX made numerous requests to Toyota Financial Services to obtain the payoff with no results. We had to be involved too, to send letters and emails to Toyota Financial Services requesting the pay off. Due to unreasonable and deliberate delay by Toyota Financial Services, we had to make our monthly payment in amount of {$730.00}, as the due date of each monthly payment was by the second of each month. Finally, Toyota Financial Services decided to provide the LOG/ pay off on XXXX providing incorrect amount claiming that they have to charge the amount since the date of the accident, although confirmed that they have already received the payment from us on XXXX. Our current unpaid balance at this time is {$33000.00}. Their letter of guarantee states {$33000.00}. My balance right after the crash was {$33000.00}. Up to date they are unable to explain where this {$630.00} discrepancy comes from, as this is not even my monthly payment. We already informed Toyota Financial Services via facsimile and email and phone that they are in violation of California Code, Civil Code - XXXX XXXX. Claim number with Toyota Financial is XXXX. We hereby ask that you conduct an investigation against Toyota Financial Services for inappropriate and fraudulent conduct.
Product: Mortgage

XXXX XXXX closed in XX/XX/2019. Loancare took over the loan. A mortgage payment was made in XX/XX/XXXXand XX/XX/XXXX using the old XXXX  account number. XX/XX/XXXX payment was properly processed and credited to my account. XX/XX/XXXX payment was paid by XXXX XXXX (my personal bank) but not applied to either my former account number through XXXX, or my new account number through Loancare. I spoke with a Loancare representative on XX/XX/XXXX and was told they were looking into the matter. XX/XX/XXXX and XX/XX/XXXX were paid using the new account number and the payments were properly dispersed into the mortgage account. I have received certified letters threatening foreclosure, despite keeping in contact with Loancare every week about this matter. A proof of payment of the XX/XX/2019 payment issued by XXXX XXXX was emailed to Loancare on XX/XX/XXXX and a ticket number was issued to me to ensure proper communication. XXXX XXXX has also ensured me they are working to resolve the issue. I have also reached out to the XXXX XXXX XXXX. The only thing I am asking for is the money either given back to me, or the money dispersed to my loan account.  It has been over 30 days since this problem has been brought to Loancare's attention, and I am frustrated by the lack of response and urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to freeze my account due to the breech. Experian will not let me do this. I DO NOT LIVE IN THE USA. I AM A CITIZEN LIVING ABROAD. The phone number given will not work here. I have a problem because I dont have an address there. I have sent a letter along with detailed information, as well as a check to pay for the service and I have gotten no response. I can not send proof of living in that house because I do not live there. I live in XXXX. The US address is my mailing address only for the states. If someone from this company would just contact me. Email works best. Or if I could get a phone number, non toll free, I could call. I do need to speak to someone personally. The information provided on the website wasnt good enough. I found a number and called and it was a machine asking the same questions that were asked on the web site. I filed a complaint that i can not access this company and received a message to send information that i do not have or to call a number that i can not reach. I NEED SOMEONE TO CONTACT ME VIA EMAIL. OR GIVE ME A PERSONAL PHONE NUMBER WITH A REAL AREA CODE THAT I CAN CALL. I NEED A HUMAN BEING TO INTERACT WITH. MY EMAIL ADDRESS is XXXX. Please, I AM BEGGING YOU HELP ME FREEZE MY ACCOUNT. DO NOT SEND ME THE SAME RESPONSE. I have tried every option available and non of them work. I have called the XXXX branch hoping that someone can help me find a phone number. My husband has called the XXXX branch and they just do not bother to return the call.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA ss 605B ( 15 U.S.C. ss 1681 c-2 ) that you, The transunion credit reporting agenecy, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of SYNCB/Mohawk charge account opened XX/XX/XXXX, under the account number ( private ), SYNCB/Sleep Number charge account opened XX/XX/XXXX, under the account number ( private ), SYNCB/Lowes charge account opened XX/XX/XXXX, under the account number ( private ), XXXX XXXX Credit card opened XX/XX/XXXX XXXX under the account number ( private ), XXXX XXXX Mortgage Services XXXX Mortgage XXXX XX/XX/XXXX, under the account number ( private ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. i have attached a copy of the FTC Identity Theft Criminal Complaint # ( Privated Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of Identity theft and fraud. My FTC claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion claims that on XX/XX/2022, I applied for a credit card. I have been working with the realtor and mortgage Advisor since XXXX of XXXX. They advise me to not have my credit run for anything, which is exactly what I've done! I should have been able to close on a home loan at the end of last year but now my credit score had dropped past the 640 mark, And this is holding me up big time! I called XXXX  XXXX and they shall no record of any application ever submitted in my name or with my social security number. We called TransUnion 3 way, And they claimed it would be corrected! Then 2 months later on XX/XX/XXXX I called trans Union again after not seeing this removed. Went through the process of calling XXXX  XXXX again they still had no information on me and never have, And I still haven't got this removed and it's 6 months later. I want this removed immediately And will do whatever it takes to go the extra mile to make sure it does get removed in a timely manner from this point forward!
Product: Credit reporting, credit repair services, or other personal consumer reports

i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX XXXXXXXX XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) Date:XXXX As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately.

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.
Product: Checking or savings account

I have had a joint saving and checking account with my wife for almost 10 years at HSBC USA bank. The bank closed my account on XXXX XX/XX/year> without my notice and permission. After my complaints ' they understand their own mistake, and re-opened new accounts. Now after 3 months still have not received my money yet, HSBC bank is only asking me to sign an indemnity agreement individual agreement for this issue first. They do not provide me any tracking number if they have issued and sent any checks to my address in XXXX that have on their file, and still why I have not received my funds back? I already now have other checking and saving accounts with them in XXXX and more than 15 years in XXXX. ( The same HSBC Bank ) Isn't a bank in XXXX responsible for paying back customers ' money? 
I am a XXXX citizen and now living in XXXX, really do not understand how easy is for HSBC to avoid paying back customers ' money. 
I wrote them multiple emails and had telephone calls with their staff. 
Today when I called them, they told me there is no record and no memo about my case!!! 
WHERE IS XXXX & XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act utility company XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15U.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.

I have tried to explain to the companies that I have been a victim of identity theft and these accounts can not be reported to the credit bureaus because they are inaccurate, I have not received any response from XXXX, and I am not able to get any help from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX