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

XXXX along with XXXX, Equifax and XXXX XXXX is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from XXXX. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for 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 This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 items : 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
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SYNCHRONY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear SYNCHRONY, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a XXXX resident. In XXXX XXXX XXXX  residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I was told all they could do was allow 3 months with a payment plan to pay the whole XXXX back in order to keep my house bc I couldn't afford {$70.00} more on a house payment when my pay has went up from my last job
Product: Credit card or prepaid card

I did apply for an indigo card back in XX/XX/2022. I never received the card I received a statement stating I owed {$120.00}. I called the company and told them I never received the card they said there was going to send me another one they never did I received another bill for {$130.00} I have never touched this card I have never used it I have never received it I never activated it I do not owe them anything.
Product: Credit reporting or other personal consumer reports

According to the FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ), and 15USC 1681c-2. My information was exposed in a Data Breach
Product: Mortgage

Our home equity loan became due, it was an interest only loan, 10 year term. Over the 10 years, we never have been late or missed a payment. Our goal was to modify this loan into a principal plus interest loan and pay it off over 20 years. We also would like a fair rate of interest. Our bank is asking for full payment, have mentioned foreclosure and in our eyes are being somewhat difficult to complete this process. We own a business and show income via or tax returns, they 're asking for a P & L from a CPA, at an additional expense of {$250.00} + to apply for this modification. Our goal has always been to keep our home and reapply for another loan.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX, XXXX ), ( XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX, XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

State Collection Service was contacted by me on XX/XX/2019, regarding a {$1000.00} medical bill from XXXX XXXX. I explained the circumstances regarding the bill. I provided them with all necessary information and documentation to have the debt paid. I have requested this debt be removed from my credit reports. It has not been removed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX I hope this letter finds you in good health. I am writing to you as a matter of urgency to address the outstanding debt owed to me by Capital One Bank ( hereinafter referred to as " the Bank '' ). 
On XX/XX/2023, the Bank abruptly closed my account which I had maintained for four years without any prior notice or valid reason. Subsequently, I have been relentlessly seeking the release of my funds, which amount to a total of {$55000.00}. These funds represent my life savings, accumulated through countless hours of hard work and dedication. 
The closure of my account has caused significant distress and inconvenience in both my personal and financial affairs. I am currently unable to access my funds to pay for essential expenses such as medical bills, house bills, and credit card bills. This situation has put me in a compromised position, as I have been unable to seek necessary XXXX XXXX, including a XXXX that I urgently required during my XXXX. The Bank 's actions have caused immense emotional and physical harm to me and have hampered my ability to lead a normal and healthy life. 
Despite numerous reminders and attempts to rectify this matter, the Bank has persistently failed to release my funds or provide a valid explanation for their actions. It is disheartening to note that the Bank does not have any physical branches to visit for resolution and has continuously evaded its responsibility towards its customers. 
In light of the aforementioned circumstances, I hereby demand the immediate release of my funds totaling {$55000.00}. Furthermore, I request an additional {$45000.00} as compensation for the undue hardship, emotional distress, and inconvenience caused by the Bank 's actions. I expect full repayment of the total amount owed, {$100000.00}, within a period of 14 days from the date of receipt of this letter. 
Please be advised that if payment is not received within the stipulated timeframe, I will have no choice but to pursue legal action against the Bank to seek redress and ensure that justice is served. I believe that it is crucial to hold the Bank accountable for its unethical and detrimental conduct towards its customers. 
I trust that you understand the severity of this matter and acknowledge the urgency with which I am pursuing resolution. I kindly request your immediate attention and cooperation in resolving this issue in an amicable and timely manner to avoid any further legal proceedings. 
Thank you for your prompt attention to this matter. I look forward to receiving full payment within the specific timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block XXXX XXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00}, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$120.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ME ) XXXX Balance : {$720.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XX/XX/XXXX
Product: Checking or savings account

My accounts with Bank of America were closed in 2020 because a fraudulent check was deposited in my account. The bank marked my account as a risk. They decided to close the but they did not give me the funds back. I tried to contact them and they stated that I have to wait until they get a decision because the court decided to put a hold. It has been more than 2 years and they still have my funds. I have called Bank of America numerous times and I went to the branch and I have no received my fund yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit report there seems to be an unrecognized account that has been active since XX/XX/XXXX a XXXX student loan XXXX and that is still active of XX/XX/XXXX, please help me it reads that was joint account.. why is it showing on my report. I have been trying to find help for several months and running out of ways of trying to find out what my best options are
Product: Debt collection

See attached documents for exact dates and times of communication between myself and XXXX XXXX XXXX, XXXX XXXX XXXX, and Pioneer Credit Recovery. 
12 CFR 1006.18 prohibits debt collectors from engaging in false, deceptive, or misleading representations, which includes reporting inaccurate information to consumer reporting agencies. 
The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) govern the reporting of consumer debt to credit reporting agencies. The FCRA, under Title VI of the Consumer Credit Protection Act, regulates consumer reporting agencies and aims to ensure accuracy, fairness, and privacy of consumer information. The FDCPA prohibits debt collectors from using deceptive or abusive practices in the collection of debts, which includes reporting inaccurate information to consumer reporting agencies. 
Additionally, all of this has caused me massive emotional distress and suffering due to these companies abusing their position and violating me. My life has been a nightmare and I have suffered great hard ship and because of the violation of FCRA and the FDCPA I've been forced to targeted lending systems, including predatory practices and barriers to accessing fair credit.
Product: Credit reporting or other personal consumer reports

A critical issue arose regarding the reporting of charged-off accounts by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as well as the failure to provide the required Form 1099-C for the canceled debt. Despite explicit requests, XXXX XXXX XXXX XXXX failed to provide the necessary documentation. As per IRC Section 6050P, the issuance of Form 1099-C is mandated for accurate reporting of canceled debt. The reporting inaccuracies have the potential to impact the accurate reporting of canceled debt on the income tax return. 

Regarding the reinsertion of information, Experian and XXXX, both credit reporting agencies, violated provisions of the Fair Credit Reporting Act ( FCRA ) by reinserting deleted information without proper notification and by not providing detailed information regarding the verification process. It is requested that Experian and XXXX provide proof of how they contacted to verify the information and the specifics of the information provided. Additionally, the name and occupation of the person who initiated the request to validate the concern, as well as the individual who replied to the credit agency, are requested for documentation purposes. 

Dates, amounts, and actions taken include : XX/XX/2024 : Formal request made to XXXX XXXX XXXX XXXX for the issuance of Form 1099-C. 
Failure to Provide Documentation : Despite previous requests, XXXX XXXX XXXX XXXX did not provide the necessary documentation. 
Legal Provisions and Regulations : Numerous legal provisions and regulations, including sections of the Internal Revenue Code, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and others, were cited to emphasize the importance of compliance. 
Reinsertion of Information by Experian and XXXX : Experian and XXXX reinserted deleted information without proper notification and failed to provide detailed information regarding the verification process. 
Request for Documentation : Request made to Experian and XXXX for proof of the verification process and details of information provided. 
This information is intended to be sent to the relevant companies involved for resolution.
Product: Money transfer, virtual currency, or money service

I made a Cash App transaction yesterday for {$110.00} to my son. I tried to pay some bills this morning not thinking much of it because I shouldve had over {$400.00} in my account which even that is not a lot other words I dont have a lot of money, so I log into my bank account and the transaction of {$110.00} went through three times I went into my Cash App and the transaction is only there once so I spoke to Cash App customer service asked to speak to a supervisor numerous times after about four hours of going back-and-forth they are unable to help me because Only one transaction for {$110.00} is in my activity. However I contacted my bank and my bank said the cash app definitely charged me three times which I can see in my transaction history and they said that Cash App had the ability to refund that I could dispute it, but who knows how long that will take, and, my son never received three payments either so there is {$220.00} floating in the air somewhere. I have late fees on my bills now I couldnt pay today. I have no gas in my car and I needed groceries. I am very upset.
Product: Debt collection

This account is not validated. Also this is a third party that is posting late pays currently
Product: Vehicle loan or lease

There is an account that is reporting on all of my credit reports as a collection/charge off for {$0.00} even though the account was paid in full. The amount of {$290.00} was paid on XX/XX/XXXX to Ford Credit. I was told when I called Customer Service on XX/XX/XXXX that it is in relation to a past lease of a XXXX XXXX XXXX and that as long as the account is reporting a {$0.00} balance that it is reporting correctly -- that is incorrect. The account is being reported to all of the credit bureaus as a delinquent/derogatory account. Ford Credit had already been paid and the debt had already been written off. If the balance was paid in full in XXXX XXXX  XXXX, why is there still a {$0.00} balance charge off reporting on all of my credit reports? The account should not still be appearing on my credit reports at all. The account was paid in full and the account should have been deleted/removed from all credit reports where it is appearing. However, it has not been removed and it is currently still being reported on all of my credit reports as a collection/charge off. As a result of this inaccurate reporting of a derogatory collection/charge off account that has already been paid in full, it is causing me financial hardship. I am requesting that all evidence of this account be completely deleted/removed from all of my credit reports as it is negatively affecting my credit score.
Product: Checking or savings account

XXXX XXXX holder services has a hold on my deposit received from the internal revenue services in XX/XX/2022. They continue to hold the money and charge me administrative fees. They claim they have a court order to hold the money but will not give me a copy. I need my money released and I need it asap.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  ran a inquiry on my credit report without my knowledge I would like to remove it immediately off my credit report,
XXXX XXXX  ran a credit check on my credit report still havent taken it off my credit report
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   CITIBA  NK N A   XXXX   XXXX ,  XXXX  Open {$910.00} Account Details Last Reported   XXXX    XXXX ,  XXXX  Collection Agency   XXXX   XXXX   Original Creditor  XXXX   CITIBANK N A  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed  Dat   e -- Responsibility Individual Balance {$9  10.00} High Balance {$910.00} Remarks Placed for collection Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with   XXXX   please wait for your prior dispute request to be processed or contact   XXXX   directly.    XXXX  See the details here Compare this account on your      XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation XXXX XXXX XXXX  Account Number : 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 reports no consent is identity thef XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Verify This invalidated account XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation
Product: Credit reporting or other personal consumer reports

I recently reviewe a copy of my credit report and notice i had fraudulent account on my report, Please remove these account from my report, theye are hurting my ability to obtain credit.