23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to report Absolute Resolutions Corporation and their lawyer XXXX XXXX XXXX has been harassing me and filing lawsuits to collect a debt. They do not have my authorization to collect anything from me. There is not a wet signed contract between myself and these two entities. I am asking that they stop the harassment and defamation. I have asked twice now. They just assign a new lawyer and come at me again. This debt was covered under insurance and written off. that you immediately cease all further communications with me regarding this matter. I have reported them to the XX/XX/XXXX and my attorney general for this harassing behavior.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX  I pulled my credit report and discovered an unfamiliar account from LVNV Funding LLC Account number XXXX. As per the FCRA and FDCPA I exercised my right to dispute the unverified account. I sent my first notice titled debt validation request 1 on XXXX XXXX  via certified mail and return receipt. Debt Validation request was very specific on documents needed to accurately validate the debt. Documents attached shows in full detail of what was requested and proof of delivery confirmed with a wet ink signature on XXXX XXXX. Said company either didn't respond or responded partially with documents that appears to be MADE UP, UNAUTHENTICATED and UNVERIFIABLE. I followed up with a Notice of Opportunity to Cure sent XXXX XXXX via certified mail and return receipt, notice was delivered and received with wet ink signature on XXXX XXXX attached with the Opportunity to Cure, was another copy of Debt Validation Request just incase the first request was misplaced and ensuring that LVNV Funding LLC made a full response by sworn affidavit as requested in Debt Validation Request. ( documents attached ) As it had now been 30 days and no full validation of debt, by sworn affidavit providing point by point response was received, I sent a Notice of Default and Final statement along with additional copies of Debt Validation Request and Opportunity to Cure via certified mail and return receipt on XX/XX/year>. Documents were delivered and received by wet ink signature on XX/XX/XXXXXXXX XXXX.All documents sent and mailing receipts are attached. Company has failed to validate debt within the 30 day period and continues to report disputed debt with credit bureaus.A FTC Identity Theft Affidavit has been submitted and is attached. Company has demonstrated several violations as per the FCRA and FDCPA. I am asking for immediate attention regarding this matter as the unverified debt is a result of fraud that has caused serious harm to myself and has affected potential credit opportunities. XXXX XXXX " If your brother sins against you, go and tell him his fault, between you and him alone. '' XXXX " If he does not listen, take one or two others along. '' XXXX " If he refuses to listen to them, tell it to the church. '' I pray everything is done in good faith. Failure to settle this matter I will be forced to file suit and seek remedy in a court of law.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

On XX/XX/2024, I signed with XXXX XXXX XXXX XXXX the installation of impact windows in my property and they used a company called Momnt for finance. 
I completed an online application on the sales person XXXX and received immediate approval, the initial deposit of {$6700.00}, would be charged immediately and I would have until XX/XX/2024 to start making payments for this amount, the rest of the amount owed ( {$22000.00} ) would be charged after the completion of the job. 
XXXX XXXX XXXX XXXX  representatives are nowhere to be fund and then when I contacted Momnt, they said that I am still responsible for this debt and that they do not care if the windows have not been installed. 
I believe that XXXXXXXX XXXX XXXX XXXX Mont and whichever bank is behind them are together in this fraud scheme.

I have been contacted by a detective in regards to this and I have also been in contact with other victims. 
Compalints with the XXXX and XXXX have been filed and I even sent a certified mail demand letter on XXXX XXXX and have not received any confirmation of delivery, their offices are currently closed. 
The address for XXXXXXXX XXXX XXXX XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Their principal as per XXXX is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information without his consent to apply for an account with Barclay Bank ; while the application was stopped and no account was established the inquiry was left on the client XXXX credit report XX/XX/XXXX. A formal dispute was sent to Barclay Bank fraud department, however a letter dated XX/XX/XXXX is denying the dispute stating the application was valid even though the police report named Barclay Bank in the narrative. This issue is now a violation of my clients consumer rights and violation of FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - Three late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, EXPERIAN, XXXX, XXXX..TO REMOVE XXXX XXXXXXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXXXXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see this letter as an immediate request to reverse inaccurate late payments from my credit report. I recently reviewed a copy of my credit report. I am concerned because there is information listed that is inaccurate. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
THIS IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$80.00} XXXX XXXX  XXXX Balance : {$110000.00}
Product: Credit card or prepaid card

An account with Discover Financial Service was open by a Identity theft around XXXX Im not sure who it was My mom has an house keep that had acces to My familys file when cleaning the house and had been fire but I didnot have anyway to prove it because imhardly there we believe the information was possiibly passed on to someone else. I have no was of proving it that is why I got a police report and a complete Idenitiy thef package. but it is being ignored because the idenitiy thef stole all my information making it easy to pretend to be me and at the time was in my home.
Product: Credit card or prepaid card

Capital One refusing multiple requests for paper statements & status of claim filed with previous account holder ( XXXX XXXX XXXX ). Capital One is strong arming me into submitting them copies of drivers license, birth certificate or other copies of sensitive, identifying information. I refused, requested account be closed ( they refuse to confirm whether or not they've closed my account ) & questioned their claims of security due to them possessing the account less than 24 hours. ( I called the day capital one took over XX/XX/XXXX this year ). I will not submit these sensitive documents. I never had an issue when XXXX XXXX XXXX held the account. Regardless, every time I call inquiring about paper statements representatives ( 6+ so far ) keep repeating their demand for these documents & tell me they " will not address ANYTHING regarding account until they receive '' said documents. Total shutdown. I JUST WANT PAPER STATEMENTS, I don't know what my balance is, interest rate or minimum payment due. I JUST WANT MY PAPER STATEMENTS & capital one is refusing. 

I didn't ask to be Capital One customer, nor did I agree to their terms. However, denying me paper statements is unethical & irresponsible. Capital One wasn't too worried about security/fraud when they issued me their credit cards & cashing the guestimated checks I've been sending them in the mail. I JUST WANT PAPER STATEMENTS so I can pay them off asap & be done with them.
Product: Debt collection

I reached out to the collection company ( XXXX XXXX ) and explained to them that the debt is not mine. The address on the account is a po box that Ive never owned. The bill is also a XXXX XXXX bill in which Ive never had an account under their service. To further my dispute the bill cycle is dated at a time where I was living abroad for 5 years.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband, XXXX XXXX XXXX died on XX/XX/2020. I immediately contacted Citibank , N.A . to report his death and to ask that they close his account. ( Account # XXXX. ) When their credit card was active and being used by XXXX, I was a 'Authorized User. ' When I notified Citibank of XXXX ' death, I also asked to be removed as an authorized user during that call. Citibank immediately closed the account. 

Citibank referred the account to XXXX XXXX XXXX XXXX XXXX assured me they do not participate in credit reporting, and that Citibank froze the account from incurring any interest charges, late charges and credit reporting after the account was closed. 

Today I obtained a current Credit Bureau Report for myself, which reflects XXXX ' account on my report. I called Citibank Probate Department today ( XXXX XXXX ) and requested that this account be removed from my credit report. The person I spoke with named XXXX ( # XXXX ) said there was nothing she could do and gave me the address to another Citibank location to contact. I told her that both XXXX XXXX and Citibank told me that once the account was closed, there was no further Credit Bureau reporting and asked why does the onus fall on me to get this corrected? 

It is up to Citibank to correct this error. It is damaging my credit score. I am overwhelmed with the issues that Citibank has caused with XXXX ' account and the amount of time I have dedicated to resolving ongoing issues. By the way, no other creditor of XXXX did what Citibank has done relative to credit bureau reporting. 

I have enclosed a copy of my XXXX Credit Bureau Report, dated today. Thank you.
Product: Student loan

Asked to lower payment what they said it was going to be was double they said XXXX. They are charging me XXXX.
Product: Checking or savings account

I noticed some unauthorized charges posted on my account. The dates are XX/XX/XXXX, XXXX and XXXX of XXXX  The amounts are the following : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX totaling XXXX The business committed to protect my money and me from fraud and they failed to do that. The nature of this dispute is fraud. The business failed to resolve the issue. On the contrary, they denied the dispute cases and allowed fraudulent transactions to continue despite my reporting the fraudulent transactions to them. I called them several times trying to resolve the issue and ended up calling 3 times to make an appeal. I contacted the merchant which said that they have no records of me in their system, and that I need to contact my bank, which I did. Sofi then said I need provide additional evidence. I told them I had no additional evidence because I have never done business with this merchant before but I sent them a record of my interaction with the merchant trying to resolve the issue. Still, they never call or message me to give me any update regarding my appeal. I had to keep calling but ended up with no resolution. I contacted XXXX XXXX XXXX  to help me resolve this issue with this bank and still haven't gotten a satisfactory answer from SOFI. I would like to get a full refund of every XXXX that was taken out of my account and raise awareness for other individuals to put their money elsewhere because this bank is not a safe place to put their money. I am pleased to say that I am no longer a customer of Sofi. I closed both my accounts with this company.
Product: Debt collection

I have made several attempts to contact this collection agency. I called the following numbers : XXXX, XXXX, XXXX, XXXX AND I also sent a message on the website XXXX requesting a call back to discuss the account.
Product: Vehicle loan or lease

On XX/XX/2020 I contacted exeter to inform them that a payment will be sent in full to them of for the balance. We paid {$7600.00} for the remaining balance of the vehicle to be paid in full. They said they had not received it. On XX/XX/2020 we had confirmation that it was delivered. When I contacted the company on XX/XX/XXXX they advised that it would take less than 48hrs to process. I called back on XX/XX/2020 and asked if there were notes it was received and they said no to send an email with the tracking information and someone would respond within 24hrs. I had not received response. On XX/XX/2020 I called and was advised because I did not have the check number she couldn't help me. I asked to speak to a supervisor who advised all the information provided was false and it takes 3-5 business days. I had received two different payoff amounts but off which we had overpaid out of our own pocket. We received notifications that our credit score was reduced by almost 60 points because the account shows closed instead of paid in full. We did not close the account we paid it off out of our own pocket. Exeter should have placed the accurate status of the account and failed to do so.
Product: Credit card

I have a complaint about synchrony bank who took over the walmart and sams club credit cards accts. Have not used either card in 3 months or more yet my statement balance still reads over the card limit when i 've been paying at least a small amount over what the payment is. Its been showing that more then XXXX going to interest and not showing a drop under the credit limit amount. 
My own bank XXXX XXXX just recently had to refund back to my card with them over payment money. I think was due to an audit. Doesnt the gov. do audits on these banks to check for discrepancys in peoples accts. 
I would like to request this matter be looked into. Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  IN Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  IN Mortgage Reporters XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting

XXXX of the names listed on my account is spelt incorrectly
Product: Vehicle loan or lease

I opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act 1974. 
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Product: Mortgage

Under the Cares Act, my FDA backed mortgage with Freedom Mortgage, was approved for the 6 month forebearance due to COVID-19 on XX/XX/XXXX. Before entering into the forebearance, our mortgage was current and paid up to to date. The forebearance period will end in XXXX of XXXX. Under the legal section of the forebearance acceptance document, it says that our loan will not be sent to foreclosure. I received 4 forclosure notices on Saturday, XX/XX/XXXX. Today is XX/XX/XXXX and I called Freedom Mortgage to enquire about the foreclosure notices. I was told that these notices are automatically generated, but not to worry, but could not get anything in writing.
Product: Credit card

Hello, I am a Bank of America credit card holder. I noticed there was a foreign transaction fee any time a charge was processed in XXXX $ but outside of the XXXX. For instance, I had to cancel my XXXX subscription as this company has its headquarter in XXXX and process charges from there. I was charged a certain amount for every transaction from XXXX. 

What I find unfair is that there is no way for the consumer to know where a company 's headquarter is located. I would understand the legitimacy of such a charge if the transaction were to be done in a foreign currency but not in XXXX!!! I used to live in XXXX and would not get charged a conversion fee anytime a foreign vendor would process the transaction in XXXX XXXX 

I 've contacted Bank of America and was told there was no way for me to know where the transaction would be processed from.
Product: Debt collection

I have amsher collection reporting to XXXX credit bureaus that are not mine.