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

Per instructions from automated phone system, in XX/XX/XXXX, I went to the website to complete the hardship form for both my mortgage loans and received " Thank you for your submission '' responses. I waited for mail confirmation that the forbearance was processed. I called on XX/XX/XXXX and learned the automated process was not completed. I also learned a late payment notice was sent to the credit bureaus. I asked the rep if anything showed on my account notes about my filling out the form, he said no. While on the phone with the rep, I attempted 2 more times to fill out the form and received the same thank you response. No notes appeared on the system. There is clearly a break on their end. I waited until the next day to call back to confirm there were still no notes and the automated process did not happen to create the forbearance as was told to me would happen. PHH would not make the  forbearance request retroactive which meant I had to make my XXXX payments ( which I obviously was looking to avoid since I just lost my job ), and I got hit with 30 day late notices on both my mortgages which dropped my credit score 60 points and below XXXX. The work I do requires credit checks and I will not be able to get another job with my current credit score. I may ultimately lose my home with no work all because their automated system did not work. If this happened to me, I'm sure it happened to others who were trying to avoid long wait times on the phone and taking what we thought was an easier route by processing over the phone. This is TERRIBLE service in the middle of a pandemic when people 's livelihoods are already distressed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX I started this process. 
- Through electronic relations, I requested the mortgage being reported to be reviewed. Inaccurate information, my x-husbands was to carry the weight of the mortgage for he lived in the house. 
- The credit report changed but still remained in the report hurting my credit. 

XXXX, XXXX I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; I was on hold for over 48 hours. While I remained on hold I used 2 other phones to engage in 3 separate phone calls lasting between 3-5 hours on hold. On hold the entire time never engaging in conversation to help resolve my situation. 

I have a court order document - proving my x-husband to be the sole responsible party in this matter.
Product: Credit card or prepaid card

I initiated and entered an consumer credit Transactions with WELLS FARGO with my open ended credit plan XX/XX/2013. 
WELLS FARGO then alleged i had unpaid late alleged obligation, Which they then charged off and closed the account XXXX. No federal law under Truth in Lending or FCRA statutes does it mention LatePayments in connection with my open ended credit plan. 15 USC 1602 does however say an account can not be closed without my the original creditors written consent. Also a natural person can not assume any debt, because pursuant to 18 USC 8 the United States assumes all obligations. WELLS FARGO is attempting to collect an alleged debt from me ; in the process harming my consumer report and my reputation which is a violation of 15 USC 1692d ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with Peak Acceptance LLC XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX The loan was opened in XX/XX/XXXX and the car was repoed in XX/XX/XXXX since then they still have the account as open and late payments reported on my credit every month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have called them and asked them to close the account and take the late payments off from the time they took the vehicle back. I have disputed on credit report but the come back saying the information is accurate but it is not.
Product: Debt collection

On XX/XX/XXXX I was first contacted by XXXX XXXX of Lakeside Recovery Solutions by a threatening phone call about collecting a debt. I was threatened with garnished wages and told I had to act fast to avoid being taken to court for this. I requested information to be sent to prove the validity of the debt and was instead sent the original rental purchase agreement and skip tracing. On the same date, I responded via e-mail as well as certified mail formally disputing the debt and requesting the original credit application, financial account of the debt including all payments made and any other fees or charges added to the balance, copies of any correspondence sent and any other documents pertaining to the debt. I had also requested to be contacted only but mail or e-mail. I had not heard back. Over a year later on XX/XX/XXXX my boyfriend and I were left voicemails from a XXXX XXXX of the same agency. In these voicemails to myself and the third party, they left my name, address, gave information stating it was about a breeched contract matter under legal review against my name and social security number, and then left a file number to reference this complaint. He also contacted my mother and actually spoke with her on the matter, giving away personal information. When I spoke to someone from the agency, I had brought up the previous dispute and they claimed to have just bought the account and had no knowledge or history of it- even though it was the same company.
Product: Credit reporting or other personal consumer reports

it is illegal to report transaction history. also in XXXX XXXX pivacy agreement they promised not to share my private information with non affiliates. please remove any and all utilization from my credit report because i am now opting out of sharing INDEFINITELY as i have the right to do so. All three credit bureaus are non affiliates and for no reason should they have my utilization information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time Attached is my opt out letter i sent 2 weeks ago.
Product: Checking or savings account

Ameris Bank was very rude and condescending to me as 10 year customer in front of customers. I was humiliated and shamed for asking bank manager about being unable to make decisions deposits in the ATM. And about the correction on my checking and savings account that I was charged {$11.00} fees for 10 years that they promised to correct, Because I started to ask questions about the account and my deposit and fees they closed my business and personal accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Checking or savings account

On XX/XX/2021 at about XXXX my access to my online account was suspended. After sitting on hold for an hour and being transferred around to their various departments, I was told the only way to unlock my account was to physically visit a branch with 2 forms of identification. This isn't plausible given my distance from Chase branches.
Product: Debt collection

INNOVATIVE RECOVERY HAS HARASSED ME FOR YEARS FOR SOMETHING I DO NOT OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. AddressesXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX, NJ Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Debt collection

I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809, I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.

Please supply the following information so that I can be fully informed : 1. Proof that I am responsible for the debt Documentation showing that I am responsible for this debt : Please provide me with a copy of the written agreement that created my original obligation to pay, or any other document that substantiates that I owe this debt to the current creditor.

2. Details of the debt Breakdown of charges : Please provide me with a detailed explanation of the amount owed, including a breakdown of all additional charges, interest, and payments made.

Last billing statement : Please provide a copy of the last billing statement sent to me by the original creditor.

Amount owed at the time of transfer : Indicate the amount of the debt at the time you obtained it, and if any additional interest, fees, or charges have been added, provide an itemized breakdown showing the dates and amounts of each addition.

3. Name and address of the original creditor Identification of the original creditor : If this debt has been transferred or sold, please provide the name and address of the original creditor, along with the account number used by that creditor and the amount owed at the time of transfer. If the original creditor has another name by which I might know them, please include that as well. 
Transfer of the debt : Inform me when the current creditor obtained the debt and from whom they obtained it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with the agency about an account requested Experian to verify this account, they come back verified. 
i have written to the furnisher Multiple times via certified letter and even provided documentations to them that i contacted the furnisher directly to request same information and the furnisher didn't respond.
Product: Credit reporting or other personal consumer reports

Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. If you continue to decline my position, I will contact my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the 5 days required. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please remove these accounts immediately.
Product: Bank account or service

I opened my CitiGold checking account XX/XX/2016. I signed up for it because I saw a bonus promotion that promised XXXX citi thank you points miles would my account. To receive the bonus, I was supposed to make a least one bill payment per month for two consecutive months within 60 days of opening the account. After I completed these requirements, I asked Citi customer support when I could expect to receive the promised points. I received a response that contained this : " Upon review of your account ending XXXX, I can confirm that you were not targeted for any promotions for the opening of your account. If you have the flyer that is addressed to you with the terms and conditions of the promotion. I apologize for the inconvenience. " In this message I was told I would receive the points because I was not targeted. There was no mention of targeted offers when opening the account. I met the terms of this offer and Citi should meet the requirements and award me the points.
Product: Debt collection

I was given a final move out statement in XX/XX/year> that was around XXXX... XXXX debt collector is reporting a different amount around XXXX
Product: Prepaid card

I was gifted an Amex gift card and have been unable to use it online despite multiple attempts. I tried using the card on various websites, including XXXX and XXXX, but the transactions were declined. I also attempted to add the card to digital wallets like XXXX XXXX and XXXX, but those attempts were also declined. The card balance should be enough to cover my transactions, and I followed all provided instructions for activation and use.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Capital One, XXXX XXXX, XXXX XXXX, have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Debt collection

Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC. This debt is listed as a charge off on my consumer report.

Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt. You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me. Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.
Product: Credit card

There has been 2 fraudulent transactions on my credit card in the amount of {$2400.00} and {$24000.00} 1st Fraud Dispute was filed on XX/XX/2023, Truist Fraud Department cancelled the card on XX/XX/23 and sent me a replacement, but no fraud claim was filed untill I called back on XX/XX/2023. A fraud case # XXXX. 

2nd Fraud Dispute was filed on XX/XX/2023 and was reported to Truist on XX/XX/2023. A fraud case # XXXX was issued. This fraud claim was for {$24000.00}. 

Truist Fraud Deparment was called multiple times since XX/XX/2023. As of today 's phone call with XXXX XXXX and XXXX XXXX from Fraud Dept. the issue remains unresolved. 

Unfortunately Truist keeps giving same excuse all the time, we are still investigating. Truist also started reporting this balance to credit agencies ( XXXX, XXXX and XXXX ). 

I have sent several emails to disputes at XXXX, a part of my several phone calls to XXXX. There is no resolution being provided by Truist. 

I also sent an USPS Certified Letter on XX/XX/2023, with Tracking # XXXX ( I am also attaching the letter to this complaint ), still there is no response from Truist. Last correspondence in writing was on XX/XX/2023 in an email. I also called Truist today ( XX/XX/23 ) to find out the status, I was informed by XXXX XXXX and XXXX XXXX, Supervisor, Fraud Dept, the cases are being investigated and there is no timeframe for the investigation to be completed and that my account will not be credited untill the investigation is complete. 

I NEED HELP, THE AMOUNTS IN FRAUD DISPUTE total to {$26000.00} which is a lot of money to me and my family. Truist has not resolved the fraud complaints and is holding me responsible since XX/XX/2023.