23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX # XXXX, XX/XX/XXXX {$300.00} Account name : XXXX XXXX XXXX XXXX # XXXX XXXX {$1400.00} Account name : XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX {$1600.00} Account name : XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX {$4800.00} Account name : XXXX # XXXX XXXX {$1300.00} Account name : XXXX. # XXXX, XX/XX/XXXX {$560.00} Account name : XXXX XXXX # XXXX. XX/XX/XXXX {$190.00} Account name : XXXX  XXXX # XXXX. XX/XX/XXXX {$1000.00} Account name : XXXX XXXXXXXX # XXXX. XX/XX/XXXX {$180.00} Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX. XX/XX/XXXX {$1900.00} Account name : XXXX XXXX XXXXXXXX CARD # XXXX XX/XX/XXXX {$420.00} Account name : XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} Account name : XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX {$1800.00} Account name : XXXX XXXX XXXX # XXXX. XX/XX/XXXX {$1900.00} Account name : XXXX XXXX # XXXX XX/XX/XXXX {$540.00} Account name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} Account name : XXXX XXXX # XXXX XX/XX/XXXX {$1900.00} Account name XXXX XXXX XXXX # XXXX XX/XX/XXXX. {$1300.00} Account name : FAMILY SUPPORT DIVISION # XXXX XX/XX/XXXX {$0.00} Account name : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$0.00} Account name : XXXX XXXX # XXXX XX/XX/XXXX {$820.00} Account name : XXXX XXXX  XXXX # XXXX XX/XX/XXXX {$2800.00} Account name : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1900.00} Account name : XXXX XXXX XXXX BANK # XXXX XX/XX/XXXX {$1000.00} Account name : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1100.00} Account name : XXXXXXXX XXXX  # XXXX XX/XX/XXXX {$1200.00} Account name : XXXX XXXX # XXXX XX/XX/XXXX {$200.00} Account name : XXXX XXXX # XXXX XX/XX/XXXX {$180.00} Account XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1300.00} Account XXXX : XXXX # XXXX XX/XX/XXXX {$730.00} Account name : XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$2300.00} Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Account name : XXXX # XXXX XX/XX/XXXX {$1200.00} Account XXXX : XXXX XXXX BANKRUPTCY XXXX # XXXX XX/XX/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 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

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with the account opened on XX/XX/XXXX, and XX/XX/XXXX, for inquiries not recognized. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law. 
Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Product: Credit reporting or other personal consumer reports

I checked my credit report today, XX/XX/XXXX and saw inquiries on my report that I did not authorize and of businesses I do not recognize. 
Inquiries on XX/XX/XXXX XXXX700 credit/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX700 credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am submitting a complaint about Ocwen 's recent handling of my upcoming foreclosure auction sale that has been scheduled for this Monday XXXX XXXX, 2015. I was lead to believe that the sale date would be postponed until I could gather the funds required for my mortgage reinstatement. Unfortunately today I found out that the sale date had been reinstated without notifying me. I actually found out about the resumption of the sale date from a foreclosure website alert rather than even receiving a courtesy return phone call from XXXX XXXX who I had just called on Wednesday asking for an update on my postponement status. Proper protocol has been circumvented and my homeowner 's rights have been abrogated illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX   Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX
Product: Debt collection

I opened an account with Ford Credit Motor Company originally with an auto loan lease for a XXXX XXXX XXXX XXXX ( the " Vehicle '' ). 

I paid off the entire Vehicle lease without a single missed payment and/or late payment. The account is squeaky clean, you can check on my XXXX  report.. 

Fast forward a few months, Ford contacts me about an alleged debt I owe due to going over the allowed total mileage the lease allowed me to put on the Vehicle. The amount in question was somewhere about $ XXXX {$1400.00}. 

At this time, I was in the process of moving and I was not obviously going to pay this debt off before validating it. During that time, around XXXX of XXXX, I received a phone call from someone at Ford Credit Motor Company, this person was a female. I don't remember the exact day, but I know Debt Collectors record all outbound calls so I know for 100 % fact that this call was recorded and Ford Credit Motor Company retains this call-log. 

The lady on the phone advised me about this alleged debt I owed, and what my address/personal information was and if I was aware about the debt. I responded with telling the lady I gave them my address and I had not received anything in the mail. I work in law so I know under FDCPA I must be notified of the debt, and the debt must be validated. At this point, I was aware of the debt, but the debt was not validated, hence the reason why I was not responding to a debt collector for a lease I paid off in full. I gave the lady my address and told her I was aware of the debt. The lady immediately started hounding me and demanding that since I was aware of the debt, why I wasn't paying it off. She was incredibly rude, condescending, and aggressive with her tone. I immediately became upset as I didn't know why Ford was calling me, and being so aggressive towards a loyal and fair customer. 

I responded to her telling her that it's not my fault they didn't validate the debt and send me anything to my address, which I had provided them prior. I received nothing in the mail, therefore why would I pay a debt that hasn't been validated? 

I lost my job due to Covid-19 come XXXX and that is around the time this debt was validated through XXXX. I knew it was validated because it obviously tanked my credit score. At this point, I had absolutely no way of paying this debt back after it was validated because I needed to save my money and be able to pay bills. I couldn't spare throwing {$1400.00} at a debt which had ruined my credit score. 

As of right now, I do not want to pursue litigation, but at least receive a proper response from Ford Credit Motor Company.

I valued the relationship I had with Ford, and I want to pursue a settlement to negotiate this debt, and perhaps even pay it off in full, if Ford is willing to take off the ~ {$300.00} odd sum of interest that's accrued on the principal balance of {$1300.00}. 

I have attached documentation of me actively trying to log into my Ford Credit Motor Company and resetting my password, resetting my username, registering an account, all to no avail. 

Please work with me on this file so we can get this resolved. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and I have noticed some items that do not belong to me. My Fianc and I are having our first child and are trying to purchase our first home and these items are hindering us. Please remove these items. 

Fraudulent accounts ( XXXXXXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ) Fraudulent inquiries XXXX date of inquiry ( XX/XX/XXXXXXXX  ), XXXX XXXX date of inquiry ( XX/XX/XXXXXXXX  )
Product: Credit reporting or other personal consumer reports

XXXX, I formerly disputed the inaccurate information reported on my credit report under the fair credit reporting act ( FCRA ), specifically referencing 15 u.s.c 1681 2A ( I ), 15 u.s.c 1681 E ( B ), and 15 u.s.c 1681 S ( 2 ). 
THESE CHARGE OFF Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Syncb/Lxry XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX These Debts is considered Charged-OFF However, This is XXXX XXXX income because I should've received a XXXX for them all in order to account for them as income. This is not a charge-off.I 'm requesting that all XXXX accounts is removed because it isn't debt they is considered income and income should not be reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

unfortunately I discovered that people can also take over your Experian account even without your login information by simply signing up for a " new account '' using your DOB and SSN as well and then changing the email and login info to whatever email/password they want for themselves. Someone changed my information for Experian to a different email username and password on XXXX and I was not the person listed in the system anymore. They then used this information to open a fradulent card with XXXX. I've reached out to Experian about this. There doesn't currently seem to be a work around to prevent people from doing this. I was able to reassess my account by signing up for a new account with the previously listed email but that is a major security risk. I also updated to two factor authentification as well, but there should not be a way to create a new account with a new email for the same SSN.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts have violated my federally protected consumer rights and confidentiality under 15 USC 1681.

Account Name- XXXX XXXX XXXX XXXX  Account Name- XXXX XXXX XXXXXXXX Account Name- XXXX XXXX XXXX XXXX Account Name- XXXX XXXX XXXX  Account Name- XXXX XXXX Account Name- XXXX XXXX Account Name- XXXX Account Name- XXXX Account Name- XXXX Account Name- Account Name- XXXX Account Name- XXXX XXXX Account Name- XXXX 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 take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than XXXX 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

My husband was selling a XXXX scooter for {$1200.00} on XXXXXXXX XXXX XXXXXXXX. A woman named XXXX XXXX ( her account is now deleted ) wanted to pay him via Zelle. We didn't use Zelle but I could see my bank, XXXX XXXX XXXX, offered Zelle so I assumed it could be trusted and I enrolled so she could send payment. She told me she sent payment and thenZelle sent me an email telling me that she would be sending me an additional {$300.00} to upgrade my account to a business account because my personal account could not accept that much. They instructed me to contact her to get info on how to send the extra {$300.00} back. I contacted her via her XXXX XXXX and she provided an email address. I received a notice from Zelle claiming they had received her {$1200.00} and would release the money after I sent the {$300.00} extra back to her. I sent {$300.00} but she claimed not to have it. In the morning I questioned Zelle about this and got another email from them telling me to send an additional payment to XXXX of {$350.00} for processing fee. I told them no and that I reported them to the FBI, my bank, and Zelle. I told the fake Zelle representative that I did this and I received a threatening email back from this person telling me they would be reporting me to the FBI and I would be charged with a crime for failing to make payment. I told them go ahead. I was the seller, not the buyer so what payment was I failing to make? Anyway, this was obviously scam and I'm out the {$300.00} but it is FRAUD for these scammers to claim to be Zelle. These scammers need to be charged with fraud. I have emails, XXXX messages, etc... that I will provide you with if you give me an email address to your fraud department so I can attach them. You have all my contact information, please acknowledge receipt of this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX  XXXX  account XXXX, XXXX XXXX  account XXXX, XXXX XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX Has violated my rights 15 U.C. 1681 section 602 as stated I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without Written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section stated nor consumer reporting agency may make any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting to the consumer to any consumer reporting agency of the know or has reasonable cause to believe that the inform nation is accurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX [ Date ] Aldous and Associates XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to dispute an account listed on my credit report by your organization. I have previously disputed this account, yet it still appears on my credit report. This account is fraudulent and the result of identity theft. 

Please find attached a copy of my original identity theft report for your reference. As mandated by the Fair Credit Reporting Act ( FCRA ), I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 

Below are the details of the fraudulent account for your reference : Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX I appreciate your prompt attention to this matter. Please confirm in writing that you have removed the fraudulent account from my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/17 Over the last couple of weeks I and many others have experienced problems downloading transactions from the NC State Employees Credit Union into XXXX. The error is a security error stating XXXX servers can not connect with the CU 's servers. When I contacted the CU all I get is that they have made some security changes and know that there are problems. No estimated date to fix. Sometimes the download is successful, but most of the time it fails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a request to have the fraud alert removed from all 3 credit bureau but XXXX removed the fraud alert and then send a request to have a fraud alert added to XXXX & Experian by eletronic notice I did not ask them to do so I have enclosed a letter from XXXX where there admitting that they did this
Product: Credit reporting or other personal consumer reports

I had an issue that was reported to the XXXX XXXX XXXX. I filed a complaint with the FTC over someone using my information to get accounts and loans. Someone recently was able to apply for several loans for a car. I have a paid-for car and I am not from Florida. I live in OHIO my ID is being used around the country. Please remove the following accounts and inquiries : XXXX ASSET SOLUTIONS Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A. I am looking for the proper compliance under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

I would like to resolve this matter without any litigation issues ( Section 616 & 617 ) i
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I signed up for XXXX and immediately noticed credit inquiries on my report which I did not authorize. I called and spoke to a customer service rep and she stated I needed to reach out to the credit card company myself. Although I did n't agree, I did and XXXX stated the report would be sent to Transunion and check back in 10 business days. Now, four days ago, I received an alert from XXXX stating there was another credit inquiry for a mortgage. I called and spoke with a representative and stated I needed to call this company. I asked to speak to a manager, as I explained both times I was previously a casualty of identity fraud as a result of my car being stolen and all paperwork with ALL of my personal information stolen. I spoke with a manager, XXXX XXXX, and he stated they ca n't accept my " word of mouth '' ( XXXX P.A.  location ) I then asked about putting a fraud alert on my report to stop future inquiries and he stated it would n't guarantee future inquiries since its always my word against the companies. I want inquiries from my report removed immediately : XXXX Inquiry from XXXX XXXX, XXXX, XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX BELOW COMPLAINT I LEFT ON WEBSITE : XXXX/XXXX/XXXX I 've called and talked to 2 different CS reps about fraudulent inquiries on my credit report. I explained my identity had been stolen previously and I did not make these inquiries. Only to be told that my complaint is " word of mouth '' and the inquiries ca n't be removed without the consent of the company I never had any contact with. This company is an absolute joke and so is the CS rep XXXX XXXX in XXXX, P.A.
Product: Checking or savings account

On   XXXX   XXXX    2017, I clos ed a CD with US Bank.   The balance was {$120000.00} plus interest accrued since the last interest remittance. It had been renewed in  XXXX , paying   XXXX  %   (    XXXX   XXXX   XXXX   percent ) or {$46.00} per month. All interest payments were calculated on a daily basis, with a monthly distribution.     As part of the redemption, I was charged {$1200 .00},   XXXX   % (   XXXX  percent ) of the face value, along with a processing fee of {$25.00}. I was told that was US Bank 's policy, with no documentation provided to prove they had specified this when the CD was opened.
    I believe this charge is excessive and should have been for no more than a  XXXX  month period  at   XXXX   % or a pproximately {$140.00}.
Lastly, this account was created on my behalf by my uncles who were in their   XXXX  . If these were the terms, it is obvious that US Bank took advantage of their advanced years and failed to disclose.