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 XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : 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 ) ( XXXX ) 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.

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168115 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit Which is a violation. This is preventing me from qualifying for buying a house with my family. 
My address is only XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. Any other address is not my address. I attached my previous credit report to show where XXXX, XXXX, and Equifax violated my rights.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Chase Bank XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, United States XXXX Cease and Desist Request Dear Chase Bank, I am writing to formally request that you cease and desist from all further communications with me regarding my account, effective immediately. 

Despite my previous requests, I have continued to receive unwanted letters in the mail from your company. This communication is causing me significant distress, and I kindly ask that you respect my request to stop all forms of contact. Account Ending in # XXXX Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, I have the right to request that you cease communication regarding this matter. 

I expect written confirmation that you have received this request and that you will comply with it. 

Thank you for your immediate attention to this matter. 

Sincerely, CFBP, I told Chase bank Cease and Desist all communication on the phone to stop calling me, don't email me and stop sending mail to my address as well.
Product: Debt collection

As per the representative that I spoke with, upon settlement of the debt owed to Capital One, the account would be deleted from my credit reports. I have since full-filled that obligation however the account is still being reported on my credit reports and is severely harming my financial reputation.
Product: Credit card or prepaid card

Dispute Numbers provided by Citi : XXXX & XXXX I am writing in response to a credit card dispute case which is being handled by Citi and prolonged for almost 3 months now without any resolution. Hoping to get some help on resolving the issue. 

My case is as below : Myself, US citizen was traveling to XXXX. I came to XXXX on XX/XX/XXXX and the cab driver took me to a restaurant in XXXX, where I was forced to give my credit card even though there was absolutely no service provided. 
The name of the restaurant was in XXXX and hence I could not read. There were 2 charges that was made at the place on the same day on my credit card were {$1400.00} & {$2400.00}. 

Citibank responded to my dispute by sending a sales receipt from the merchant. 

I responded to them saying the sales receipt is totally fake and also my sign was forged. The charges show some amount like {$250.00} for mixed fruit and {$900.00} as some drink. I am pretty sure they do not even have a menu with the amounts. 

Also the receipt shows {$1100.00}, while I was charged {$1400.00} and {$2400.00} on the same day. I sent a reply to Citi asking the merchant to provide explanation for the same? 

This is totally an extortion where in these people are fleecing foreign customers. I had called the Citibank customer service on the same day to inform regarding the fraud committed and to dispute the charges. 

The cab driver who took me to the place was XXXX and his number is : XXXX XXXX XXXX XXXX. The XXXX authorities are trying to nab this person but looks like he has absconded from XXXX. A formal case has been registered with the XXXX authorities. 

I have asked Citibank that the charges immediately withdrawn from my card. The investigation is taking too long and I am not confident if the same will be resolved. I have called the customer service multiple times but not much information is received other than the case is being investigated.
Product: Credit reporting or other personal consumer reports

XXXX  responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. XXXX, Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for XXXX to verify in collection accouunt information Jefferson Capital System they are reporting on my credit report and they have failed to do so. It has been over 45 days for XXXX to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Checking or savings account

When the deposit is available early in your account and payments are coming through they are going to either charge you fees or returned if it not money in your account when they see it is a deposit pending in your account. Even if you ask to release the early pending deposit they still will charge you a fee for a overdraft or return fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
XXXX on XX/XX/2018 by XXXX, Automobile dealer, XXXX on XX/XX/2018 by XXXX XXXX, Experian on XX/XX/2018 by XXXX XXXX. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,
Product: Debt collection

I CHECKED MY REPORT AND THIS LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX made error on my credit report statement saying that a loan was never paid and I still owe a outstanding balance for XXXX to all 3 credit bureaus saying that 0 % was paid but on their database it is paid in full sent information before due date to credit bureaus as unpaid when it is paid in full at the bank credit bureaus still says I have a outstanding balance of XXXX that 0 % was paid on this loan so every credit bureaus has dropped my score now it was a error at the bank as I set up auto pay to have all payments deducted but they never did instead they reported to credit bureaus as unpaid 0 % payments made but ther database it is paid in full as I have bank statements to prove it but credit bureaus all have it as outstanding balance that 0 % was paid on loan all three credit bureaus dropped my score I worked hard to get a good score now the bank has ruined it for me it was there error I was set up with auto pay with them but they never took payment instead they submitted false information to credit bureaus as not paid I dispute it but not getting any results just dropping my credit scores with all credit bureaus now as of there mistake I did nothing wrong it was the banks fault payment wasn't even due yet for one and I paid in full before due date plus I was set up for auto pay with them this should not have happened at all people work hard to get good credit now they destroyed my lively hood
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my XXXX account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. 

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

Experian is reporting inaccurate information on a XXXX XXXX proof of the incorrect information attached as exhibit A
Product: Bank account or service

I called Discover Bank to inquire about closing a Certificate of Deposit and the security representative asked me several " security '' questions about people I do n't know that are related to my ex-husband ( divorced 25 years ago ) but not to me. When I could not answer these questions they froze my accounts without telling me they were doing so. They did not send any notification to me by mail or e-mail that my accounts had been frozen or any notification that they suspected my accounts or security information had been compromised or that anyone had inquired about my accounts. So if someone really had tried to access my account, I would have never heard about it. They told me these questions were taken from Public Records. Presumably they are getting random information from web sites like XXXX and XXXX and using these for security. None of the questions were questions that I had set up as private security questions when I opened the account. Basically it seems to me that anyone who acquires public records information from one of these web sites can get access to your bank accounts at this bank. After some significant inconvenience, I was finally able to get my money, but I will not bank with Discover again since their security is extremely questionable if not downright fraudulent. I 've read that mining of public records data by banks is common practice now. I think this makes our money less secure, not more secure and is of no service to the customer.
Product: Credit reporting or other personal consumer reports

i am not liable for the debt owed of {$2500.00} to XXXX XXXX XXXXi did not sign a contract with XXXX XXXX XXXX..
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Identity Theft and Unauthorized Credit Reporting by XXXX XXXX I am writing to formally report an incident of identity theft involving XXXX XXXX. This company has reported negative items to my credit report without my written consent, constituting identity theft under 15 USC 1681b ( 2 ). The details of the unauthorized credit reporting are as follows : XXXX XXXX Account Number : XXXX Discrepancies : Balance inconsistencies, high credit limit not reported correctly, and lack of 1099-C form for the charge-off. 
XXXX XXXX provided my personal information to credit reporting agencies without obtaining my explicit written permission. As a result, my credit report now contains charge-off negative items that do not belong to me. This unauthorized sharing of my personal information has significantly impacted my credit score and caused undue stress and inconvenience.

According to 15 USC 1681b ( 2 ), any entity must obtain written consent from an individual before furnishing their information to credit reporting agencies. In this case, my identity was stolen, and these negative items were added to my credit report without my consent, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, according to 15 USC 1681s-2 ( a ) ( 7 ), creditors are required to issue a Form 1099-C for any canceled debt. The lack of a 1099-C form for the charge-off accounts listed above indicates that the debts may not be valid, and therefore, the information should not be reported on my credit profile. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Additionally, under 15 USC 1681b ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instruction of the consumer, which I have never provided. This unauthorized access to my credit report constitutes a violation of my rights. Furthermore, 15 USC 1692 and 18 USC 1028A outline the regulations against identity theft and unauthorized disclosures, emphasizing the severity of these inaccuracies. 

I kindly request the following actions be taken : Removal of all fraudulent and negative items from my credit report that were reported by XXXX XXXX. 
Notification to all relevant credit reporting agencies, including TransUnion, XXXX, and XXXX, about the identity theft and unauthorized reporting, ensuring my credit report is corrected and restored. 
I have attached copies of my identity theft report, my FTC Identity Theft Affidavit, and any other relevant documentation to support my claim. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution to restore my credit
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to AFNI, INC. ( AT T ), but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Consumer Loan

I took out a $ XXXX personal loan with TD Bank which was funded on XXXX/XXXX/2014. Since that time I 've made extra payments in excess of my minimum amount due each month which I wanted to be applied to Principal only and was told there was no systemic way to do that and I had to call each time a payment was made for them to apply it to principal. I 've done that several time throughout the life of this loan but there is no way for me to verify that it has been done correctly or if at all since they do not provide a monthly statement with the activity nor does their website have this information. There is absolutely NO transparency regarding my loan at all. I feel that I am overpaying and being unjustly penalized because they can not process my payments according to my direction.
Product: Checking or savings account

My name is XXXX XXXX and I opened a bank account with ETrade around XXXX of last year when I turned XXXX. I did this because my mom said she wanted me to start investing early. I am in school to become an animator and illustrator and do a lot of social media content management and graphic work for companies. I deposited my 2 payroll paychecks after I opened my account with E Trade, even after a two week hold on my account E Trade refused to release my funds and then proceeded to close my account with no reason why, no letter, and no call back when I called them to ask why they are doing this. I asked them where is the written policy for how they are handling me. They literally have never called back or sent my funds to me. This is Theft and XXXX. I am a college kid and need all the money I make. The total amount was XXXX ( It was my two paychecks..each XXXX ) I feel that it is unfair for them to hold my money for no reason for this long. My mom would have helped me invest it to make more money and now I have missed out on that opportunity. I am also seeking legal representation to file a lawsuit against E Trade for what they have illegally done to me. I would have made a good amount of money by now from Investing if they had not been dismissive, dishonest and deceptive. This behavior is Theft and I am not going to let what they did go without speaking up and fighting back. Thank you for your help
Product: Payday loan, title loan, or personal loan

Multiple Wells Fargo credit accounts showing XXXX dollar amount owed but still open as active from the year XXXX to the year XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how this happened. I routinely check my credit report, and suddenly there were these discrepancies that didnt make any sense. I refreshed my browser multiple times, thinking it was just a temporary glitch, but the incorrect accounts remained. This has left me feeling really distressed, and I need the documents Ive provided to be thoroughly reviewed so I dont have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

I have given them opportunity to show that they own this alleged debt by sending XXXX certified letters requesting the purchase agreement and signed contract by all parties involved showing me that they own this alleged debt this is an illegal attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

I've noticed that some of the inquiries on my report were done without my consent. I've reached out to each bureau, but have been ignored. Here are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been attempting to reach out to Chase Bank in order to modify my mortgage due to the covid -19 XXXX XXXX closures in Pennsylvania. I am attempting to get ahead of a potential crisis, while I have XXXX revenue being generated. 

XX/XX/XXXX - 1st call, waited 2 hours, call disconnected by Chase Bank. 
XX/XX/XXXX - 2nd call, waited 1hour 5 minutes, call disconnected by Chase Bank. 
XX/XX/XXXX - 3rd call, waited 2.5 hours, disconnected by Chase Bank. 
XX/XX/XXXX - 4th call, waited 57 minutes, disconnected by Chase Bank. 
XX/XX/XXXX - 5th call, waited 1 hour 7 minutes, call disconnected by Chase Bank. 
XX/XX/XXXX - 6th call, waited 2 hours, cal disconnected by Chase Bank. 
XX/XX/XXXX - submitted request for call back on Chase Bank Secure Messaging service. Detailed why I was reaching out and what I was hoping to achieve. 
XX/XX/XXXX - submitted 2nd request for call back on Chase Bank secure messaging service. 
XX/XX/XXXX - 7th call, waited for 1 hour and 19 minutes, call disconnected by Chase Bank.
Product: Credit reporting or other personal consumer reports

Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( iii ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I was not notified of the reinsertion of these previously deleted items within a XXXX business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report XXXX - This account is being reported inaccurately, please remove this from my credit report immediately