23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} {$510.00} No. of Months ( terms ) : - - High Credit : {$510.00} {$510.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX   Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$390.00} {$390.00} {$390.00} No. of Months ( terms ) : 0 0 0 High Credit : {$530.00} {$530.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$400.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIREIES I DONT KNOW!!! 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX Home Furnishings XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Automotive Dealers, Used XX/XX/XXXX XXXX  XXXX Utilities & Fuel XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXXXXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Union XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX   XXXX XXXX XXXX Automotive Dealers ( New ) XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Automotive Dealers, Used XX/XX/XXXX Experian XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Bank XX/XX/XXXX TXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Union XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Union XX/XX/XXXX XXXX XXXX XXXX Credit Union XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX National Credit Cards/Airlines XX/XX/XXXX XXXX
Product: Debt collection

My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XX/XX/XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XX/XX/XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XX/XX/XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XX/XX/XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it XXXX way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XX/XX/XXXX and NOT XX/XX/XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo mismanaged my short sale 3 times over a 2 year period ( XXXX-XXXX ) & the day my condo in XXXX Idaho set to sell at the price they set, ( {$79000.00} ) they canceled & foreclosed XX/XX/XXXX on it the next day so they wouldn't have to pay agent fees & in the process ruined my credit after telling me to not make payments to be eligible. I would like this account removed from all 3 credit bureaus & an investigation into the fraudulent practices Wells Fargo is performing
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding unauthorized inquiries on my credit report. On XX/XX/XXXX, I submitted a complaint stating that I had unauthorized inquiries and demanded that they be removed immediately, citing a violation of my consumer rights under 15 USC 1681. However, I received a response without any proof of these inquiries being made by me, which is illegal. 

TransUnions failure to act on this matter is also illegal. I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) and will proceed to small claims court to sue TransUnion if I do not receive a remedy. Transunion has 15 days to respond and remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect immediate action to rectify this situation and the removal of these unauthorized inquiries from my credit report.
Product: Student loan

Since my student loans were transferred from Great Lakes, I am having continued issues with repaying my student loans on Nelnet. Nelnet has returned my payments on almost every single occasion, citing 'Your recent payment could not be processed because your financial institution was unable to process the transaction '. 

This has happened with the following dates ; XXXX XXXX XXXX XXXX XXXX I have re-entered my direct bank account info, tried paying with a card, spent hours on hold with their call center and have sent multiple emails. I am completely frustrated and now there is a greater financial burden falling behind on payments because of their inability to service these correctly.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Inquiry Included in Dispute : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Equifax, and Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report, and noticed that there are several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the item I am asking you to verify as accurate : - account name : XXXX XXXX XXXX account number : XXXX
Product: Debt collection

I ordered a copy of my credit report and noticed this company trying to collect on a membership that was canceled. I signed up for a gym membership and realized that I could not afford to continue to pay for something that was not in use. I called up the gym and let them know that I was no longer interested and did not expect to have a problem since I was not under contract. The woman I spoke with told me to come in and cancel and bring a letter stating the reason and I did that. I only visited the gym 2 times during the first month of sign up. This is an unfair and deceptive practice. They can search their records to corroborate information. I will NEVER us XXXX XXXX XXXX again because of this and I plan to advertise my experience. Lastly, I am not sure what information was used to even have them be able to add a debt not owed to my credit file.
Product: Payday loan

I called cash fairy loans saying I needed payment lower because hours were cut back at work. They would n't do that. Said loan was based on my income. So I called to get address for them so I can send letter asking not to deduct next payment and I would mail payments. Would n't do that either said I had to get prepaid card and call with information. So I called XXXX bank and stopped authorization of payment but they said they may try to take out under different name. Said I may have to close my account to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported my balance to my account incorrectly which drastically increased my utilization on my credit report. If you look you will see that prior to this reporting my account balance has always reported low balance and utilization.
Product: Debt collection

I have received the comment back from capital one. They said that they check the ssn DOB, and address belongs to me. I will assume that yes, all those information belongs to me, if not then how are they going to open an account under my name? And the address that I used is showing on my driver license. That will be making more sense. Also, they mentioned about I make the payment under my name in XXXX account, I believe that I closed the XXXX  account before I went back to XXXX. As capital one mentions, that account also open fraudulently too. ( I will double check with BOA ). I went to boot camp in XX/XX/2019, I graduated in XX/XX/2019. We cant use our phone in boot camp, how am I gon na pay in XX/XX/2019?? That is very a very interesting question. If people have my information, they can easily open my account online easily. 
I also attached my military information below. You can See I went to military basic training In XX/XX/2019. Making a payment its not possible during boot camp.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I have several unauthorized and fraudulent inquiries reporting on my consumer report and I am being heavily affected by them. These inquiries were made by the following companies ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never authorized any of these companies to view my consumer report. Not only is this a breach of privacy but your company is also in direct violation of the FCRA. I am requesting you validate and verify these inquiries by providing me with a contract bearing my signature that authorized all inquiries. 

If this documentation is not provided to me within 30 days these inquiries must be removed immediately, if you fail to do so you are willfully in non-compliance by continuing to engage in fraudulent practices. Furthermore, you are in violation of the FCRA. 

Thank you for your attention in this matter, XXXX : XXXX Without prejudice, All Natural Rights Reserved
Product: Debt collection

Midland Credit Management wont mail me an itemized receipt of the debt ( {$670.00} ) or tell me who the original creditor is. Tried to dispute it but XXXX XXXX says its correct ; never been contacted or mailed anything about this debt. I want this debt deleted from my credit report.
Product: Debt collection

I have requested a proper validation of debt that this company has failed to brandish. Further more I have been subjected to several threatening phone calls from this company stating that they are going to sue me and there will be no way for me to claim it isn't mine because " they made sure of that ''
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing with XXXX XXXX XXXX XXXXXXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Product: Credit reporting

XX/XX/XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX : XXXX Credit Reporting Letter According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
Dept of education # XXXX {$1100.00} Dept of education # XXXX {$2000.00} Please remove all non-account holding Inquiries over XXXX days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX XXXX
Product: Debt collection

Debt was paid directly to the original debt holder. Collection agency is reporting on my credit report not the original company.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Bank account or service

I receive a retirement check of {$41.00} from XXXX bank XXXX New York. I did not receive it for the month of XXXX I contacted the bank and was asked to wait until the XXXX of XXXX which I did still did not receive it.I called today XXXX XXXX and was told it was cashed at the central bank in the XXXX.I am very upset this has never happened before. The XXXX bank wants me to wait for them to get the cashed check back before they do anything. I want to know how my check ended up in the XXXX XXXX when I live in The United States. This bank has had my retirement since I retired in XX/XX/XXXX so not having my address is not an issue I have received last months and the months before with no problem. It may not be much but it is mine. I want my checks on time as always.