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

This notice is to inform XXXX and Experian that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.Today my credit score dipped by XXXX points, and the reason for this is because XXXX added a late payment with the XXXX XXXX account which has been disputed several times. Further, XXXX and Experian never put disputed comments on the accounts required by law, violation. I have sent XXXX and Experian countless dispute letters and my FTC fraud report for months now advising them to please investigate several incorrectly reporting accounts on my credit report. They claim XXXX and XXXX XXXX accounts are verified and updated my report with no proof of verification ( Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. ) but they're still reporting incorrectly. For starters, I have been in contact with XXXX and XXXX XXXX and have pointed out all the wrong information reporting. I have contacted them via CFPB and mail. They state that the information reporting incorrectly is due to the fault of XXXX. 15 USC $ 1681b Permissible purpose of consumer reports. I demand that they are DELETED immediately, no later than 4 business days. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card, FTC identity theft Report
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Mortgage

I received notification that my Mortgage payment would increase because of taxes and speculated insurance premiums. I was given the amount of {$180.00} to pay to escrow to keep my payment the same. The additional escrow payment was received by JMAC Lending on XXXX My payment did not return to the previous monthly installment. I called on XX/XX/16 to find out why and I was told that they projected that my insurance will increase so they could not return my monthly payment to the previous amount. They calculated the XXXX I sent the XXXX in good faith and fair dealing to keep my monthly mortgage payment at the lower amount. They neglected their responsibility to return my payment to the lower amount and did not have a decent explanation of why they quoted an amount and I sent the amount but they still did not lower the payment. 
XXXX XXXX XXXX  : The lender does not provide you with accurate or complete account statements for escrow. That makes it almost impossible for you to determine how much you have paid or how much you owe. You may pay more than you owe. 
Over-collecting through accounts designed for taxes and insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. 

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 XXXX Case case number is XXXX
Product: Money transfer, virtual currency, or money service

I have used XXXX once using a PC to transfer funds to my son. 
I have never used my cell phone for financial transctions, only my PC. 
On XX/XX/2024 there was a financial transaction for {$4900.00} that appeared on my checking account. XXXX was used for this transaction to XXXX XXXX, a person I do not know. The {$5000.00} transaction was credited back to my account. 
On XX/XX/2024 there was another financial transaction for {$2100.00} appearing on my Chase statement. Again, XXXX was used for this transaction to XXXX XXXX XXXX, a person I do not know. As of this posting, this situation has not been resolved.
Product: Credit reporting or other personal consumer reports

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. This accounts were not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity. 
XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This are theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.
Product: Debt collection

I sent FIRST TECH FEDERAL CREDIT UNION a 609 debt validation letter requesting the information that they have placed on my credit report. I did not receive validation from said company.
Product: Credit reporting

This has been an ongoing issue in which I have tried to resolve for several years. Equifax failure to properly investigate an item appearing incorrectly on my credit report has created significant XXXX and a financial burden. Specifically, there is an account with XXXX that shows as a charged off account. This account does not belong to me. This account was opened fraudulently. On my credit report it shows that the account was transferred or sold, has a XXXX credit limit, XXXX payment amount, XXXX high credit. I have asked Equifax to provide information on how this account was verified. It shows a payment in 2010, I would like to know who made the payment and how the payment was rendered. This will assist me in tracking down who stole my identity and opened this account. Equifax has refused to furnish this information. It is impossible to have an account with a XXXX credit limit, XXXX balance, and XXXX high limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent transunion the proper signed documentation acknowledging there are several inquiries on my report not authorized as well as my social and drivers license. I asked for proper documentation proving I authorized these inquiries as I had not given permission. In response, they ignored my complaint/dispute/request and sent a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  account number # XXXX XXXX XXXX XXXX XXXX and account number # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Also the listed inquiries that have been listed 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, has violated my rights. 


15 U.S.C 1981 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report and checking my loan balances i noticed that all of my student loans through XXXX have a 0 % repayment. I have been paying on them for a little over a year now and the loan balances have gone up and not down! How is this even possible?
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 XXXX USC XXXX. XXXX U.S.C. XXXX, section 602 ( A ), states that I have the right to privacy. 

XXXX U.S.C. XXXX, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX U.S.C. XXXX ( a ) ( XXXX  ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Payment History XXXX XXXX XXXX This is my third attempt to have this account corrected, I am writing to formally dispute the inaccurate information reported regarding my account with XXXX XXXX XXXX XXXX  Account Number : XXXX ). This is my third attempt to resolve this issue, and the continued presence of a XXXX late payment has caused me significant stress and adversely affected my creditworthiness. 

Identified Discrepancies : Inconsistent Status Reporting : The account is listed as Paid, Closed, yet it shows a XXXX late payment in XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), all information reported must be accurate. The conflicting statuses misrepresent my payment history and do not reflect my responsible borrowing behavior.

Misleading Payment History : If the account is marked as paid and closed, it should not reflect any late payments. The FCRA ( 15 U.S.C. 1681c ( a ) ) mandates that creditors report accurate information, and this inconsistency can mislead potential creditors about my financial responsibility.

Failure to Update After Closure : The last update in August 2020 indicates a paid and closed status, yet the late payment still appears on my report. Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must update accounts promptly to accurately reflect their current status. The lack of timely updates contributes to the ongoing inaccuracies.

Duplicate Negative Reporting : Reporting both a paid status and a past due status creates the potential for duplicate negative information. The FCRA ( 15 U.S.C. 1681e ) requires that all reporting must be clear and not misleading, and having these conflicting statuses harms my credit score.

Request for Resolution : Given the discrepancies outlined, I request the following : Immediate removal of the 30-day late payment from my credit report. If this information can not be verified as accurate, it must be deleted in accordance with FCRA ( 15 U.S.C. 1681i ( a ) ).

Update the payment status of this account to Paid, Never Late to accurately reflect my payment history.

I urge you to conduct a thorough investigation of this account and provide me with the results within 30 days, as required by law. The ongoing presence of this late payment is causing significant distress and financial strain. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of my dispute.
Product: Debt collection

My identity was stolen. My social security, state ID and personal information is being used with out my authorization.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with TransUnion, XXXX, and XXXX, under the account number XXXX, which is associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor associated with this account.

Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please be advised that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law.

I am aware of my rights under the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the Consumer Financial Protection Bureaus regulations ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ). 

I expect your prompt attention to this matter and request that you provide the requested information within the statutory timeframe of thirty days. Failure to validate the debt within this period will result in the removal of this item from my credit report, as required by law. 

Please take immediate action to resolve this dispute and provide the necessary documentation to support the validity of this debt. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Fraudulent accounts have been opened in my name please remove. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX {$930.00} XXXX XXXX XXXX XXXXXXXX {$8700.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act and Fair Credit Billing Act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC Right to Privacy 6801 ( 1 ) In general. ( c ) subject to any provision of law, rule or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. 15 USC 1601 ( a ) Credit Billing and Credit Card Practices ; 15 USC 1681, and 602 ( a ) ( 4 ) States there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 USC 1681a ( 2 ) ( A ) ( i ) States report containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded. 15 USC 1681 604 ( a ) ( 2 ) States information about consumer can only be shared In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681c ( a ) ( 5 ) States that no information and/or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years can be shared without expressed permission of consumer. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) States that 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 XXXX XXXX formally hereby declare that I have not given my permission written and/or verbally, knowingly and/or willingly, expressed and/or implied, to any individual person, banking entity, business, company, creditor, credit reporting bureau, and/or any of its representatives, to share my transaction history, experiences, or any type of personal information. If I have unknowingly given my permission because I was not legally and properly informed by said individual person, banking entity, business, company, creditor, credit reporting bureau, and/or any of its representatives that my personal transaction experiences history and/or information would be shared, I hereby revoke any such permission in its entirety. 
XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX credit card opened in XXXX, made consistent payments. Fell onto hardship in XXXX, tried to negotiate a settlement in XXXX was denied. Tried to file bankruptcy in XXXX and was denied. Negotiated settlements with all other debts and this XXXX XXXX credit card would not work with me. Debt owed was {$6900.00}. For the past XXXX years they have been garnishing my wages, charging 10 % interest per day on the debt owed. Tried to call the again to settle and they wanted me to pay more then the amount owed. This is unreasonable.
Product: Credit reporting or other personal consumer reports

I have tried on multiple occasions to contact XXXXXXXX XXXX XXXX  due to an amount reporting on my credit report. The property was sold to another owner and I have not been able to get in contact with anyone to discuss this matter. I have contacted the collection agency PRO COLLECT, and the representatives are very rude, and are telling me I am responsible for the debt. I sent a debt validation on XXXX and have not recieved a response yet. Made numerous phone calls explaining to them this is effecting me tremendously, and the amount showing is not accurate.
Product: Mortgage

On XX/XX/XXXX of XXXX I began receiving notices from Shellpoint Mortgage Servicing saying they would force insurance on my property at XXXX XXXX XXXX XXXX, XXXX Ga. I have insurance so my insurance company faxed proof of coverage to the fax # listed on the notice. XX/XX/XXXX I got another notice from XXXX. This time my insurance company called them. The problem they claim is they have my address as XXXX XXXX XXXX, XXXX. They are missing the XXXX and XXXX also has the city wrong. The city is XXXX. At this time my insurance company wrote a letter to XXXX stating the two things they had wrong, and sent proof of insurance and also my tax assessors document showing the correct address. This letter that was notarized and with the attached information was sent 3 ways ... 1. faxed to XXXX 2. uploaded to their website and 3. regular mailed to XXXX XXXX XXXX XXXX, MI XXXX. I'm still receiving letters and now my mortgage is due and they have added for insurance. I've called them and they will not help me. They tell me I need a XXXX form but won't provide it for me and the postal office doesn't know what they mean. They are really ugly to me when I call. I'm not financially able to get a mortgage with another company or I would do that. I'm an older lady and there has to be someone out there who can help me with this company. Please can you help? I tried to upload my documents but it says file too large.
Product: Vehicle loan or lease

XX/XX/XXXX, I purchased a RV from XXXX XXXX. They sold me a XXXX RV on the paperwork but it is a XXXX. The title has been messed up since the date of purchase. Bank of America financed it and has harassed me through letters in the mail. Certified mail over and over again. XXXX XXXX told them it was my fault. Bank of America should have recalled the loan after 90 days because the title was not correct. It is still not correct and they refuse to enforce the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX in which respectively I have submitted disputes to XXXX and Transition on the XXXX of XXXX and they have failed to get back to me and respond regarding my issues. Transunion fails to respond and meet my demands in which I submitted an FTC report as I had my identity compromised on the dark web and XXXX has failed to send me an email update from when I reached out to them in XXXX. It has been a substantial amount of time and I contacted them via certified mail which hasn't came back about some collection accounts in my name that I want fixed and removed off my credit report that aren't mine. I am reaching out to the cfpb in the hopes of helping me to fix and address these issues as me reaching out to them has not been enough.
Product: Checking or savings account

XXXX, XX/XX/XXXX, I made a deposit of about {$1700.00} and the branch took it and said funds from the State of California issued XXXX check would be available the next day at XXXX XXXX. XXXXXXXX, XX/XX/XXXX, I attempted a purchase using my debit card associated with the checking account in question. My transaction could not be authorized so I called the customer service number on my card. It was at this point I was told these state issued funds were now on hold until XX/XX/XXXX due to it being a potential fraud issue. I have made these same deposits since XX/XX/XXXX and not one time were funds ever held for more than a day in order to post. I was never told by the branch these funds would be held. My deposit receipt does not state any hold being placed. 

The branch is always helpful and I alerted them to this problem in person today. Both tellers were in complete disbelief that the back office, as they called it, put a hold on a state issued check : much less for fraud. I do not fault the perssonel at the BMO branch in XXXX, CA as this action was not caused by them. 

I waited XXXX months for California to issue my XXXX funds. Bills are past due and I do not have any liquid assets and this bank 's actions have created even more unjust financial burdens. This is not right. 

Before the bank became known as BMO it was Bank of the West. I have been a client of Bank of the West for nearly XXXX years and never had this issue.
Product: Credit reporting

For months now I have been asking to please undue the fraud alert off my credit for good. I ca n't buy a car or anything else because Equifax has had a lock or alert on my credit. I call and they say there is n't one or some other run around BUT when they mail me my credit report it PLAINLY says extended fraud alert on it.. why is this so hard to remove and be done away with???