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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I went to the website www.transunion.com to access my credit report. I am aware that I am entitled to one free credit report per year, I was not aware that you get these reports from a special website.
On the Transunion website one of the big buttons is titled " My credit score & report '', which I clicked and followed the instructions with the hopes of obtaining my free credit report. On one page within the process I was asked for my credit card details, which I found strange. I reviewed the webpage to see if I missed anything about having to pay a fee. On that particular page there was no details about any charges that I would incur. 

I completed my profile and verified my identity. It was at this stage that I received an email with a summary of my " order '' showing that I will be charged {$19.00} per month for credit monitoring services. 

At this stage I reviewed the sign-up process again and there was indeed some very small print on some of the pages stating that I will be charged {$19.00} per month. It is however not clear at all that this is the case and I find their business practice and website design very questionable - it feels like I was scammed. 

I cancelled my subscription immediately and phoned them to voice my dissatisfaction. Without any hesitation the call center agent offered me a 50 % refund - this to me is a clear indication that this has happened numerous times before. Also when I cancelled my subscription Transunion enquirers as to the reason for my cancellation - one of the options available was " I was unaware that I would be charged. ''
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX I used my Direct Express Card at a XXXX XXXX  drive-thru ATM to withdraw {$800.00}. It did not dispense my cash and on my receipt it clearly state that it can not dispense my cash at the time. I have called Direct Express and XXXX XXXX  every day since the transaction and have gotten nowhere. I have called Direct Express and they gave me a fax number to send them a letter in any kind of proof. That was faxed to them on the XXXX of XXXX with proof of a receipt stating it did not dispense my funds. Anytime you call Direct Express you get hung up on or they tell you you have to wait 90 days. Why should I have to wait 90 days when I showed them proof that XXXX XXXX statement clearly states that it did not dispense my money I don't understand why I can not be credited back my {$800.00} which is for my rent on the XXXX.
Product: Debt collection

In XXXX, I sent Midland Credit Management a debt validation letter under the Fair Debt Collection Practices Act ( FDCPA ). I requested the following : Proof that they have the legal right to collect the debt, including documentation of the transfer or assignment from the original creditor. 

A complete account history showing how the balance was calculated, including fees, interest, and charges. 

A signed agreement or contract verifying my obligation to repay the debt. 

Midland Credit Management responded but the documentation they provided was incomplete. They did not include a signed agreement, nor did they provide a detailed account history showing how the balance was calculated. 

Despite failing to provide adequate validation, Midland continues to pursue collection efforts, and the debt remains on my credit report. I believe this violates my rights under the FDCPA. 

I request that Midland Credit Management provide full validation of the debt or cease collection activities and remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

I have attached 2 FTC reports with fraudulent unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

EQUIFAX : This account is not mine : XXXX  - XXXX XXXX : This personal information are inaccurately reporting in my consumer report : Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX XXXX : This personal information are inaccurately reporting in my consumer report : Incorrect Name - XXXX, XXXX , XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX
Product: Debt collection

XX/XX/XXXX Received a letter from XXXX XXXX XXXX introducing the company and explaining that they had taken over an account, Citibank/Home Depot, with the claim that my current balance was {$320.00}. 

XX/XX/XXXX I replied to XXXX saying that I had never owned a Citibank/Home Deport credit card, nor had I ever received a statement from them. Though I initially applied for a card, I was informed that my application was incomplete. I chose not to complete the application and never received a card. I asked XXXX  to provide detailed account information of all supposed purchases, to include dates and vendors. 

XX/XX/XXXX XXXX  acknowledged that they had processed my dispute and if I felt they had reached their conclusion in error I needed to provide written explanation and documentation demonstrating any errors in their account information, and they said they were uncertain regarding what I was specifically disputing. XXXX  also informed me that they had requested that the tree major credit bureaus change the status of account to " Disputed ''. XXXX enclosed a letter from XXXX XXXX, Vice President of Citibank saying that my loan ending in XXXX  with a balance of {$320.00} had been sold to XXXX. Mr XXXX said that the balance consisted of {$67.00} of principal, {$19.00} in interest, and {$230.00} in fees. However, I had never completed the application for a Citibank card and had never received a statement from them. 

XX/XX/XXXX I replied saying that I had never owned a Citibank/Home Depot credit card and that this was not my dept. I again asked XXXX to provide documentation in regard to their claim. 

XX/XX/XXXX I received a letter from XXXX offering a payment plan and a 40 % discount : Payment of {$190.00} if paid by XX/XX/XXXX ; Or, a 20 % discount in 3 payments of {$86.00} ; Or, monthly payments as low as {$50.00} as month with a notation of " Call today to discuss options and get more details. '' XX/XX/XXXX I replied to XXXX saying that they had not provided documentation regarding their claim as to the items supposedly charged on a credit card that I never received ( total of {$67.00} ). I reiterated, once again, that this is not my dept.
Product: Credit reporting or other personal consumer reports

This is my new complaint addressing the issue of incorrect credit reporting. I am submitting to dispute the inquiries listed in my file, which stem from this issue. The inquiries in question are not related to any transactions involving the acquisition of goods, services, or money that I have initiated or authorized. Therefore, I request that you remove these inquiries from my credit file as they are a result of erroneous credit report entries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unfamiliar to me. Additionally, the information regarding these inquiries has been deleted by other bureaus, raising doubts about their accuracy. The reported history date on these inquiries is also unclear to me. According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items that were opened without my knowledge, consent, or authority within four business days upon receiving ( 1 ) appropriate proof of my identity, ( 2 ) a copy of an identity theft report, ( 3 ) identification of the disputed information by me, and ( 4 ) a statement from me declaring that the information does not pertain to any transactions conducted by me.
Product: Credit card

I rarely use my Bank America XXXX credit card. I used it once in XXXX ( I believe ) to buy gas for roughly {$30.00}. Because I use it infrequently, I did not recall that I had used it for one purchase. 

I did not realize that this small amount was outstanding because I did not receive a statement, nor did I receive any call, e-mail or text from Bank America. 

After approximately 30 days, they sent me an e-mail that asked me to call them in a very casual way, but did not mention that there was any issue. I called them immediately. After being informed that a small balance was outstanding, I paid them instantly. 

I later discovered that Bank America had filed a notice of 30+ days late with the major credit agencies, which reduced my credit rating. I called back and asked them to remove this since I had n't received notification, it was a small amount, and it was paid immediately. They submitted that request on my behalf and told me I 'd receive a written decision within 7-10 business days. 

I did not receive a written decision so I called Bank America. The woman told me that Bank America had found in my favor and that the adverse credit report would be removed. She said that I would receive a letter shortly stating this. 

When I did n't receive the letter ( again ) after a reasonable time, I called Bank America. This time, I was told that they had found against me and were refusing to remove the report. They said that they had sent multiple statements, but I told them that obviously I did n't receive them or I would have immediately paid such a small amount in full. 

Bank American admitted that other than the statement ( s ), they had made no effort to call me, to text me, or to contact me by e-mail. I asked why that was and the supervisor said, " You may not have given us consent to contact you ''. I did n't think that made a lot of sense. 

In my condo complex, we have over XXXX units and it 's not uncommon for mail to be misdirected. However, I can not say why I did not receive the statement. 

I 'd like these negative reports removed. I have acted in good faith and have immediately paid this small bill upon discovering that it was outstanding. I feel that Bank America did not make reasonable efforts to inform me of the outstanding bill and they provided false and misleading information when directly stating that the issue was resolved in my favor. Presumably that call was recorded.
Product: Debt collection

Saturday XX/XX/XXXX, XXXX- Received a letter and 5 pages of medical records referring to my wife 's XXXX at XXXX XXXX XXXX. The letter was from " rmp '', a collection agency branched in XXXX, NC, and based in XXXX, TX. ( Please see attached files of the scanned documents and envelope. ) The envelope and letter were not professional looking which added to my suspicion. 

I called my health insurance company and described what had happened. The result of the conversation was that it was probably a scam. 
I have never received a bill for the claimed amount of {$990.00} from XXXX XXXX. If I had, it would have been paid. I have a XXXX credit  score which would be much lower if there were any validity to this claim. 

To pursue their effort, I received a phone call from XXXX at XXXX this morning ( XXXX ) from a male who claimed to be from rmp and wanted to discuss how I wanted to pay the {$990.00}. I called his bluff by telling him that this claim was fraudulent and what my credit score was. Then I asked him if he thought there could be a legitimate claim against me. I was talking to a dead phone.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have kept encountering with the credit bureaus after numerous attempts by phone, a certified letter regarding unauthorized credit inquiries on my credit report. Under 15 U.S. Code 1681b ( 2 ), I have not provided written authorization for these inquiries, yet they persist on my credit report. 

As per the statute above, it is clear that credit bureaus are prohibited from including information on a consumer report solely based on transactions or experiences between the consumer and the reporting entity unless specified otherwise in 15 U.S. Code 1681s3. I firmly believe the credit inquiries in question fall under this provision and should not be reported without my explicit consent.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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

XXXX XXXX IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX  AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Mortgage

On XX/XX/2019, we closed on a refinance of our house with XXXX of XXXX mortgage. At the closing, we paid {$660.00} as the initial payment into our escrow account and an additional {$2200.00} for property taxes. Since we closed at the end of the year, we were asked to pay the full amount of the property taxes for the year. I contacted our loan servicer from XXXX of XXXX and explained that the actual amount of property taxes would be {$1100.00} due to a property tax abatement on our property. She said the additional amount paid- {$1000.00} would be deposited in our escrow account. In XXXX, before our first payment was due, XXXX of XXXX sold our loan to PHH Mortgage Services. When the escrow account was opened at PHH mortgage, the starting amount was only the {$660.00} we had paid at closing and did not include the additional {$1000.00} which we over paid at closing for property taxes. During the transition from XXXX of XXXX to PHH Mortgage Services, both mortgage companies paid our property taxes in the amount of {$1100.00}. I called PHH Mortgage Services in XXXX alerting them that the property taxes had been paid twice and that the escrow was missing {$1000.00}. After several months, PHH received a rebate from the city for our property taxes and {$1100.00} was deposited in our escrow account. I called again and asked where the remaining {$1000.00} had gone but I have yet to receive a response. I have called PHH 4 times over the last 5 months and each time I am told to wait 6-8 weeks to resolve the problem. I have waited this time but the situation is not resolved and we remain shorted by {$1000.00}. I have also reached out to XXXX of XXXX to see if they might be able to help but have received no response.
Product: Checking or savings account

On XX/XX/XXXX I opened a bank account with BBVA to receive a bonus of {$200.00} if I sent a direct deposit from my employer to the account. I was told, from the offer, that within 60 days the bonus would be posted if a direct deposit of {$300.00} or more was sent to my account. I was approved and set up my direct deposit. On XX/XX/XXXX, the direct deposit of XXXX dollars posted from my employer. I waited 60 days. The bonus never posted. I called and contacted the bank several times on XX/XX/XXXX and then on XX/XX/XXXX. I was told that the complaint was being escalated to corporate and to wait 24 to 48 hours. I have yet to hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, Transunion, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XX/XX/XXXX. 

None Account Inquires -XXXX XXXX ( XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX )
Product: Payday loan, title loan, or personal loan

I had some emergency happen back to back. I 'm a XXXX XXXX and went to 2 different title loan centers. XXXX and XXXX XXXX XXXX. I 'd been a customer for years and never had an issue paying my loans. My bank account was overdrawn by them taking money when I could n't pay. Everything snowballed from there. I called the corporate office of XXXX and asked for assistance in helping me repay the loan. Was told no, I must make the payments or they are going to take my car. I ca n't catch up on the now 3 payments I 'm behind and need help to interview from the taking my only mode of transport to medical appointments in XXXX monthly. 
XXXX XXXX XXXX said the same thing. I 've tried getting a personal loan and applied to many times and my credit took a huge hit. 
Any assistance would be greatly appreciated.
Product: Vehicle loan or lease

I returned my XXXX XXXX on XX/XX/XXXX, due to lease end. I returned the car to XXXX XXXX at XXXX XXXX, CA, where the car was inspected and the only problem was reported was front bumper and I agreed to pay {$400.00} to resolve this. Other than that there was not damages to the car as of XX/XX/XXXX. ( see inspection report attached ). On XX/XX/XXXX, I received a bill from BMW Financial, that I owe {$1600.00} due to the crack of one monitor. According to BMW Financial this was discover on the auction house that the car was transferred on XX/XX/XXXX. 

I do not accept this charges because at the time of the return ( XX/XX/XXXX ) there was no damages to the car. I insist that the damage was done after I left the car at the dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my XXXX attempt to get this matter resolved regarding the XXXX account in my Transunion report. I have always made my payments on time. For some reason, I realized that there was a 30-day late payment on my credit report in XX/XX/2019 and I do not believe I was late on the date they are reporting. I contacted the bureau 2 times now & they claim this information has been verified but they have failed to provide me with any proof which is a clear violation of FCRA Sections 611, 616 & 617. This account should not be showing I was 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof. 

XXXX XXXX