23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CHOICE RECOVERY INC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX {$14.00} I dont have a contract/agreement with the collection agency and I dont recognize this.
Product: Credit card or prepaid card

Woke up a couple of days ago to see my account had been suspended and my card was frozen. I got a message urging me to transfer my money out of the account. I've been constantly trying to get into contact with support and I have yet to get any answers. The new XXXX XXXX I created to move my funds to does not have a statement yet and will not for atleast another 30 days. They refuse to transfer my funds to another account I linked via XXXX  as I was encouraged to do because I do not have a statement. I have sent dozens of messages and emails to support, and they have no means to speak over the phone. Every bit of cash flows through this account. I can not buy gas or food because they are holding my money hostage and not giving me any answers or solutions. My direct deposits will also continue to be sent here. I am also in process of consulting with my attorney for possible action. 

Below is the only communication from them ( bot reply ) regarding this issue.
Product: Debt collection

I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my TD Bank/Target account # XXXX, opened XX/XX/XXXX, credit limit {$2000.00} that occurred due to a third-party error. ( I already sent proof to TD Bank ). 

My due date is the XXXX of the month. On XX/XX/XXXX, I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/XXXX, I received an email from the third-party company stating that they committed an error and my payment did not go through. Before this email, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

This was a situation that I could not control. I had over {$19000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 
As a courtesy, I am requesting that XXXX a goodwill adjustment and remove the late payment from my record. You have been my bank for a long time, and I hope to continue having a wonderful relationship with your company. 

Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Debt collection

This company has not provided verification of this debt. I previously reported this account through Consumer Financial Protection Bureau and they remove the account from my credit report. 

This month they re-reported the same account. I also have a collection bill from another company XXXX XXXX XXXX trying to collect the same debt. 

They are falsely trying to collect this debt and re-selling it. I do not owe this amount
Product: Money transfer, virtual currency, or money service

My money was frozen for 6 months and there still making it difficult to aquire
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to several letters to TransUnion asking them how they verified this bankruptcy as accurate when the courts do not communicate with the credit bureaus. Even with this information, TransUnion has continued to report this bankruptcy on my credit report. 
Please delete this bankruptcy from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began working with AmSher & XXXX XXXX in XXXX of this year in order to rectify a debt that erroneously appeared on my credit report prior to closing on a home. AmSher states that they were directed to collect this debt on behalf of XXXX XXXX. 

I have received documentation from XXXX stating that the issue has been rectified and my name is no longer attached to the account in question ( see attached letter ), however XXXX  and XXXX XXXX credit reports still show this debt in collections. AmSher says that they put in a request to have this account removed from my credit report on XX/XX/XXXX. 

I am asking that the credit reporting services & AmSher please remove this account and any record of it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX IS KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX THE DEBT PURCHASER. THEY REFUSE TO CHANGE THE DATE OPENED ON THE ACCOUNT TO INJURE MY CREDIT STANDING AND THEN SELL ME CREDIT CARDS.
Product: Vehicle loan or lease

i financed a toyota vehicle with toyota finacial services, they included a gap insurance, tire insurance and many other perks staying that that was part of the loan, when i went back to cancel this they told me they cant only by summiting in writing witch i did, but never received my refund back
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I issued a challenge with the file number XXXX to Transunion Consumer Solutions, expressing my disappointment with the recent measures taken against them by the FTC in collaboration with the CFPB. This notice marked my fourth and final written request for them to address and correct the ongoing and negligent noncompliance issues that violate federal law, as outlined in sections 616 and 617 of the FCA. I was explicit in my intention to pursue full litigation to enforce my rights and recover any monetary damages I may be entitled to. 

Despite my numerous written requests, unverified items persist on my consumer credit report, which is a clear violation of the FCRA. I reminded them of their legal obligation to retain original creditor documentation for verification purposes and to confirm the accuracy of all information reported. Yet, they have failed to provide any such documentation as required by section 609 ( a ) ( 1 ) ( A ), or the method of verification as outlined in section 611 ( a ) ( 7 ).

Further adding to my concerns, there is a discrepancy between the last name on the address section of my challenge letter and my actual last name, although the rest of the document pertains to my correct personal information. I demanded a detailed explanation, correction of this error, and assurance of data security.

I cited various FCRA sections, including 623 ( a ) ( 1 ) ( B ) and 623 ( a ) ( 2 ), which relate to the proper handling of my accounts with several institutions, such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, among others. My concerns also included the adverse effects these inaccuracies have had on my life, denying me access to essential financial tools, due to their failure to verify disputed accounts or provide proof of their validity. 

I criticized their reliance on an automated system for verification, demanding human intervention and a manual review. I urged a thorough investigation into these issues and the consequent rectification. Furthermore, I requested an updated and accurate consumer credit report reflecting the results of this investigation, along with a complete file disclosure containing all data they have compiled on me. 

Finally, I asked for a promotional suppression on my credit file, provided proof of my identity, and demanded either verification or removal of the accounts in question. I took the time to circle and highlight every instance of information on my report that I found to be inaccurate, outdated, unsubstantiated, and incomplete. I also never received a response from that nor was I from my letter dated XX/XX/XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies on my account. 
this account is hurting my ability to obtain credit. It is my understanding that you will investigate this items for me to ensure accuracy Here is the item I'm asking you to investigate as accurate : XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

The Mortgage Loan that I had with XXXX XXXX XXXXXXXX XXXX has already been paid in full. 
XXXX XXXX XXXX XXXX has failed to meet their fiduciary obligations Due too poor communication and breach of contract and dishonor of promissory note and security fraud and protection of my information. The law says that it is the policy of CONGRESS that each financial institution, those that extended lines of credit or loans have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers done public personal information.. 
It has come to my last resort and final option to file a lawsuit against XXXX XXXX XXXX XXXX  and sue for compensating damages. 
upon request, no original promissory note was ever provided. 
The consumer reporting agency and the " lender '' have both violated my rights under Title 18 242 Deprivation of rights under Color of Law refusing to cease and desist upon request refusing to comply with my request to revoke power of attorney from XXXX XXXX XXXX XXXX and appoint a personal attorney.
Product: Checking or savings account

The Citizens Bank mobile app and website do not work. I have been unable to log in to the mobile app for months. On web, I can log in, but my account information does not display. The webpages to transfer money in and out are entirely broken. Because my relationship with the bank is paperless, I wasn't able to get my account or routing numbers to move money out. Citizens continued to charge me service charges for 7 months during this time. When I was finally able to get in touch with an agent, they told me they couldn't do anything about the service charges, and said it was essentially my fault : I could have " tried harder '' to use the money in the account via ATM or going into a local branch. While I understand the service charges are listed in the user agreement, I had absolutely zero visibility to how much money was in my checking account. I was not receiving statements from Citizens, and I did not have access to my online account due to Citizens ' technological issues across platforms. I had signed up for Citizens online, under the premise that I could use the bank online. That Citizens Bank had a broken web XXXX for over seven months, and then blamed their customer for not working harder to use Citizens ' banking services, is very predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and discovered several errors. To rectify this issue, I exercised my rights as a consumer by mailing dispute letters to all three credit bureaus, namely XXXX XXXX, Experian, and XXXX, on XX/XX/2023. Although Experian received my letter on XX/XX/XXXX, I received an email from them on XX/XX/XXXX stating that they did not believe the letter was from me or authorized by me, despite my providing a copy of my driver 's license, Social Security card, and proof of address. I even included specific language within the letter to confirm my authorship. To my dismay, Experian proceeded to misquote the law and misled me into thinking that they would not be taking any action regarding my dispute, citing " precautionary measures. '' In reality, 15 U.S. Code 1681i clearly outlines the procedure for disputed accuracy of information in a consumer 's file at a consumer reporting agency. The law mandates that a free, reasonable reinvestigation must be conducted within 30 days of receiving the notice of dispute from the consumer or reseller. Additionally, the agency must provide prompt notice of the dispute to any person who provided the disputed information, including all relevant information regarding the dispute received from the consumer or reseller. 
Experian 's actions violate my consumer rights, specifically 15 U.S. Code 1692e, which prohibits false or misleading representations. Experian 's failure to communicate that a disputed debt is disputed is a clear violation of this statute. As such, I am entitled to {$1000.00} per violation and demand that Experian immediately delete this account. I have attached a copy of the email from Experian as evidence of their misconduct.
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Product: Credit reporting or other personal consumer reports

Enclosed with this complaint, you will find copies of my dispute letters sent to the Credit Bureaus. I have been disputing with Experian, XXXX and XXXX since XX/XX/year>, of this year. Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

Despite my follow-up letters that I have mailed out on several occasions the Credit Bureaus has failed to conduct a proper investigation or correct the errors as required under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). These actionsor lack thereofare clear violations of federal law, as credit reporting agencies are mandated to ensure the accuracy of the information they report and to investigate disputes within a reasonable timeframe. The continued inaccurate reporting has caused me significant financial harm and emotional distress, as it negatively impacts my creditworthiness and ability to obtain credit. 

Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

I would like to issue a complaint that Wells Fargo violated several acts of Mortgage Fraud and Predatory Lending. Should I seek legal counseling, he/she will contact the appropriate parties. 

The term " mortgage fraud '' is typically used to describe fraudulent practices by borrowers in order to secure loans they can not afford to repay or to secure loans that exceed the value of the home or homes in question. Because they do not involve defrauding the government, these cases have nothing to do with the False Claims Act. However, fraudulent lending in cases where mortgages are guaranteed or insured by the government does constitute a violation of the False Claims Act. 

Since the financial crisis of 2008, the Federal Housing Administration ( FHA ) and the Department of Housing and Urban Development ( HUD ) have become major players in the housing market. In fact, more than 40 % of new mortgages today are backed by the FHA through loan guarantees and mortgage insurance. Lenders may also obtain mortgage insurance from the FHA to hedge against mortgage defaults. 

If a lender knows that it can purchase mortgage insurance on a particular loan, it may be more inclined to lend money to an unqualified borrower. Taking out FHA mortgage insurance on a loan that the lender knows to be fraudulently obtained or likely to default may be a violation of the False Claims Act because it involves claiming federal funds based on fraudulent activity. Any other type of fraud or falsification related to obtaining or making a claim against FHA, mortgage insurance may also violate the False Claims Act. 

Reporting mortgage fraud against FHA or HUD is a public service because it helps the government recover funds needed to help Americans legitimately secure affordable housing. That public service is rewarded under the False Claims Act, which allows whistleblowers in successful cases to receive a substantial percentage of the money recovered as a whistleblower reward.
Product: Credit reporting

XXXX Dispute Number XXXXTransunion Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all XXXX CRA 's, and within XXXX days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the XXXX CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all XXXX CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

To : Experian and XXXX XXXX : Unauthorized Credit Inquiries. Trademark infringement for lacking permissible purpose to access and furnish my copyright and trademark protected intellectual property.

To Whom It May Concern, This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission.

As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRAs maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record.

I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a \'permissible purpose\ ' ( see specifically 1681s-3 ( b ) ).

I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX XXXX ), payable to the name listed above. 

Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA.

Your timing is crucial so I would greatly appreciate a response from you within XXXX ( XXXX ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 

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

sent ftc and police report to equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 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, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) states 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. I have also been effected by the Equifax information breach and have filed a complaint as well.