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. 

COLLECTION : # 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 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 card

I opened a U.S. airways credit card about a year and a half ago. 

1. I never received my original card. I never activated my original card. I forgot I ordered the card because I never received it or activated it. 

2. I received an overdue bill for the credit card. I accrued a late payment charge because the card had an activation fee of around {$100.00} dollars, and thus started with a balance. 

3. Upon receiving the overdue account notice, I immediately called Customer Support, and told them I never received the card. I pay the orginal {$100.00} activation fee to clear the balance. They sent me out a replacement card, and I was assured that the late fee would be reversed. 

4. I receive my card in the mail in the mail and decide not to use it because of the poor experience. 

5. A few months later, I check my mail and find another late fee on the account. It turns out they never reversed the original late charge! I now realize, I have been racking up late payments for a credit card that I never even activated, and had spent {$100.00} out of pocket for the privilege. 

6. I call customer support for a second time I document the customer support call record this time : & lt ; NUMBER & gt ; They apologize profusely and tell me they 've successfully reversed the charges. I have her check the credit bureau to see if this dinged my credit history. She insisted that she talked to her team member and fixed my credit, by retracting their report. 

7. I check my old e-mail account and see ANOTER LATE PAYMENT e-mail buried in my inbox. This could have was from a 'Barclays card ' which, apparently, my old U.S. Airways card had magically turned into. 

8. I am livid, I escalate this request and reference the customer number, I am connected with a senior specialst and I stay on the line with her while she reverses is all of the charges. She is astounded when she finds out that these late payments were generated by an account balance of XXXX cents. How that XXXX cents got there, I have no idea, because I was told that all charges were reversed and there was a XXXX balance. She is angry that one of her customers has to deal with this, and is confused as to how or why the XXXX cents was in my account as I had a zero balance after the last horrible experience. 

9. The customer service agent reverses each charge one by one and closes my account. I think I 've finally resolved it. 
10. Now, months later, I check my e-mail and see ANOTHER LATE CHARGE NOTIFICATION FROM them. I have lost, time, money, and maybe even my credit score. 

11. This is my story. I posted this to the Consumer Protection Bureau and social media so the public may be aware of the abhorrent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit bureaus there is an account listed from XXXX XXXX XXXX original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called XXXX XXXX an was told this was for a XXXX XXXX  I never purchased a XXXX XXXX nor received one. I was told they would dispute this the merchant. However it is still showing on all 3 credit reports. I called XXXX XXXX who then called XXXX XXXX they said they were unable to find the account. I am a victim of identy theft from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my report immediately. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete these items right away.
Product: Checking or savings account

I reached out to them several times informing them that my account was frozen with a deposit from the IRS. My refund is sitting in an account that I can not touch. Credit Karma spend will not tell me why the account is frozen nor why I'm not able to access any information about my account. I've attempted several times to recover my funds from this account and all they can tell me is that they have escalated my case to the higher department and I should be receiving an email from them regarding the situation. I suffer from XXXX issues and this has to be the most XXXX thing I've experienced since my mother died from XXXX.
Product: Debt collection

We received a bill from XXXX XXXX XXXX some time ago ( see attached ) in the amount of {$47.00}, we immediately contacted the county and spoke with a person named XXXX, she gave me some information about the nature of the ticket, we told her that we never received a parking ticket or a ticket was ever placed in the windshield of our car, she also said that the parking violation occurred at the XXXX airport, I informed her that we did not park at the XXXX Airport as she stated, she looked up the car information and told me that the maker of our car was a Dodge Caravan, We told her that we do n't drive a Dodge Caravan. The XXXX employee told me that it was a mistake, that they were going to take care of the error and they were going to investigate. We did not hear back from that office until we received your letter collecting the debt with additional charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I contacted XXXX and TransUnion regarding the Tax Lien that is on my account under Public Records. I requested that the specified companies remove the lien from my account according to the New Tax Lien law effective XXXX XXXX XXXX that states 2 criteria for removal in which this lien qualifies because 1 ) they did not update with the county every 90 days and 2 ) The complete pertinent information is not listed on my report. Both of these companies stated they were n't aware of the new laws and that I had to file a dispute, and they are stating that they will have to wait for their company to implement such a change first. <P/>Please note : XXXX was aware of the new law and removed this lien from my report within 24 hours ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach and the XXXX XXXX, I need these to be removed.
Product: Debt collection

This letter is to inform you that upon viewing my credit report, I noticed that NATIONAL CREDIT SYSTEMS INC company was listed on it as a derogatory mark of collections. I do not remember ever making an agreement or a business relationship with them at all. Please accept this letter as my formal dispute of the account. I am also requesting that they provide proof that I owe this debt Account Name : NATIONAL CREDIT SYSTEMS INC I am hereby instructing NATIONAL CREDIT SYSTEMS INC to cease collection of the debt until this complaint is resolve. I am asking that NATIONAL CREDIT SYSTEMS INC not contact me nor anyone else about this collection.

In addition, I want to ensure that NATIONAL CREDIT SYSTEMS INC are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that NATIONAL CREDIT SYSTEMS INC do not prematurely report anything else to the bureaus until NATIONAL CREDIT SYSTEMS INC have furnished proof to me that the account is valid.

Also, I will need NATIONAL CREDIT SYSTEMS INC to furnish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that NATIONAL CREDIT SYSTEMS INC are licensed or legally authorized to collect on a debt in my state.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score. Here is the situation : I opened my credit card at XXXX XXXX in XXXX and after 6 months of opening it I started to see my XXXX score ( which was reported from XXXX ) on my XXXX XXXX XXXX. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX XXXX. After obtaining my ssn I also opened XXXX, XXXX, and TransUnion accounts to see my credit score. However, Transunion doesnt have my XXXX XXXX XXXX XXXX on my profile. It only has one credit card from XXXX which was opened less than 6 months.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened, an auto loan account opened at XXXX XXXX XXXX XX/XX/year> account # XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or Input XXXX XXXX initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US THEFT REPORT Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are NUMBER the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not know reason, XXXX hard inquiries multiple less than the 14 days between rate inquiries. XX/XX/XXXX Transunion inquiry, did not ask for them to do anything. Please remove inquiry XX/XX/XXXX Inquiry reported from XXXX XXXX XXXX and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX hard inquiries too close to count as separate inquiry. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have XXXX hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called transunion the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information unde

r 15 U.S.C. 1681 and 15 U.S.C. 1681b. Accounts ( 3 )
: XXXX XXXX XXXX Inquires ( 7 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Credit card or prepaid card

On XX/XX/22, I ordered a {$200.00} gift card via Chase Bank by using the rewards points I had earned on my Chase Freedom Unlimited Credit Card. Though I received confirmation from Chase on XX/XX/22 that the gift card shipped, it was subsequently never delivered to me ( it was likely either lost or stolen while in transit ). I have contacted Chase customer service repeatedly in order to remedy this issue and receive a new card, including by calling their customer service agents 5 times. Though I was initially informed by a Chase agent that a replacement gift card would be sent to me, when I called back a week later to inquire about the gift cards status, I was told that the only action the agents can take is to escalate the case and that no more assistance could be provided to me. I have yet to receive the gift card that I paid with for my points over a month ago, and Chase has never reached out to me to inquire or attempt to resolve my issue. From my stance, I effectively bought an item from Chase, and Chase now refuses to provide me with my item, while holding onto the funds I used to purchase the item for 30+ days. I demand expedited delivery from my gift card, and I hope that bringing this matter to the attention of the CFPB will finally push Chase to resolve my issue.
Product: Debt collection

First National Collection Bureau uses intimidation tactics, many phone calls and letters to attempt to collect from XXXX XXXX  XXXX  -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXX XXXX XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.
Product: Mortgage

On XX/XX/2021, I applied for Hardship with SPS Select Portfolio, phone number XXXX XXXX XXXX, as the company servicing my loan. I explained and sent all the documentation required by SPS proving my advanced XXXX diagnosis, and my sensitive financial situation as a self employed professional. I requested a loan modification because I have tried to refinance my house but due to my high debt ratio, my request was denied by several financial institutions. 
Last week, I called SPS to report the lack of professionalism because this institution keeps asking multiple times for the same documentation that have been already sent. For example, in the last correspondence, SPS keeps asking for people contributing to the payment of the mortgage when other than my self and my wife low wages, there are no other person,. SPS has asked 5 times to send my bank statements which have sent five times. Last Friday, a lady from SPS asked me to stop making my mortgage payments, as the best solution, and do not want to do this because, I am a decent responsible person, I am asking for help when I need it the most, and lower my monthly payments during my XXXX and XXXX XXXX and until my wife finds a job is the best option. Of course, I have ruled out the possibility to sell the house right now, as it has been adapted to my physical needs, and I can not cope with a move right now. I have XXXX children under the age of XXXX both XXXX XXXX XXXX, and I am only asking for help until I finish my XXXX  in one year and be able to offer my services as a consultant again. Pushing people to stop making payments is not a solution, when financial institutions can offer help in several ways. 

Sincerely yours, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am running a business through a company namely XXXX XXXX XXXX ( a TX registered XXXX ) and have a merchant account service with Bank of America having Merchant account # XXXX. The BOA merchant service has not transferred any money to my Bank account with XXXX bank from my XXXX account, although I am regularly submitting my sale to the merchant service. On enquiry I came to know that my merchant account has been froze by the bank and they are illegally keeping my money with them and have crippled my business, and I am starving for money. this XXXX account was opened with bank of America XXXX XXXX XXXX and bank had in obtained an application and detailed information about my company and myself. I am at loss that they have frozen my account without informing me and without reason. I request that the bank of America be asked to remit my money and appropriate action against the bank be taken as per law.
Product: Mortgage

Bank of America has increased my mortgage balance by lying and deceit. From charging me for mowing the lawn to clearing debris. The XXXX XXXX XXXX has proof from XX/XX/XXXX to XX/XX/XXXX that Bank of America never removed debris or mowed my lawn. the only person that mowed my lawn was me. Furthermore, Bank of America has put my home into foreclosure with a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about a fraud committed on my VYSTAR signature credit card. There are charges remaining on my card that I reported as fraud many weeks ago. I have a new card now and the original card where the fraud was committed is cancelled. However they continue to roll the charges on to my new account number. They tell me it can take up to 30 days to resolve. Meantime I have around {$10000.00} in charges still posted on my account. This affects my credit score. They should remove the charges and then investigate but they do not. Ive called several times and am told it is in processing. Unacceptable!
Product: Vehicle loan or lease

After total loss accident Hyundai Financial asked {$11000.00} to release the title to insurance co. Insurance Co valued the car XXXX after {$1000.00} dedactible and paying {$11000.00} to Hyundai financial mail the balance to me. After Hyundai Financial released the title sent me {$1000.00} bill as a dedactible payment.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred.Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

CREDIT COLLECTION SERV Original creditor : CCS FOR XXXX XXXX-XXXX  Keeps attaching an account to my credit report for {$2700.00}. This account is not mine, and I'm the victim of fraud. I've attempted to have this removed at XXXX multiple times, but it keeps getting reported as accurate. 

XXXX and XXXX have already removed this fraudulent account, but CREDIT COLLECTION SERV keeps reporting this important as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( COMENITYBANK/VICTORIA ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4. XXXX - this account doesn't belong to me. 
Action Requested : Please Delete