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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

On XX/XX/XXXX I received a bill from A company named XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they bought this loan from American General. I took out a loan from American General in XXXX or XXXX. I havent heard anything from American General since XXXX, so I was under the impression that the loan was charged off. Upon speaking with XXXX XXXX XXXX they said that they bought the loan from American General. XXXX XXXX XXXX is saying that we have a outstanding principal of {$80000.00} and the total amount due is XXXX, they are also threatening to take my property. There is now a lien on my property and foreclosure activity.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX  I sent in my ftc letter to have them remove united auto credit from your credit report and they have not removed it from all three of my credit reports. I sent it to trans union, XXXX and XXXX. It is still showing on my credit report as of XX/XX/.
Product: Credit reporting or other personal consumer reports

Please see the documents attached as these inquiries are not by me.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed numerous amounts of collections under unknown addresses, I have never signed any contracts with these debt collectors or creditors to furnish any account on my consumer profile. Also, I have reached out to XXXX asking them to verify this debt or remove it from my credit profile in the dispute center in their website. Despite sending proof of identity and residence along with FTC report, I have yet to receive a response or removal of accounts connected to this report! This has became extremely stressful to know the credit bureaus would abuse their reporting rights in this way and cause me mental and financial stress!
Product: Debt collection

I submitted a previous case XXXX for reference. XXXX XXXX XXXX report XXXX derogatory comments on my consumer credit profile with XXXX and XXXX. I initiated a complaint as I have never received any written or prior notification from them. XXXX then responded to my complaint stating they needed an account number. As I never received a notice from them, I did not know what account number to reference. I finally received a notice dated XXXX XXXX, received XXXX XXXX stating that I owed for a medical debt in the amount of {$270.00} to the original creditor of XXXX XXXX XXXX. Since XXXX refused to verify the debt, I contacted XXXX XXXX XXXX by phone and spoke to representative XXXX today, XXXX/XXXX/2017. She could not verify the account numbers provided from XXXX 's notice, nor look up any outstanding debt based on my name or Social Security number. 

XXXX XXXX XXXX has failed to abide by law with mandatory notices and placing the derogatory remarks on my credit profile. This complaint is to be served to them as my official request in writing to provide written verification of the debt, which includes the original creditor 's name, address, and phone number and services provided so that I might verify their claim. As I was unable to verify it over the phone provided by the actual original creditor, I am interested to see what documentation will be provided. 

If supporting documentation is not sent rectifying the discrepancy above, I will add fraud to my claim when I file my lawsuit.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX
Product: Credit reporting

Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA DEPARTMENT OF REVENUE STATE TAX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX ( XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX
Product: Debt collection

I have a collection on my credit report from XXXX XXXX XXXX. I 've never had XXXX. I had this problem with another collection agency and it was taken off. I do n't know if they passed this on to another collection agency or not, because the amount is the same. I 've spoken with this company several times and they could n't give me any info on the debt. The XXXX time I spoke with them back in XXXX they said they would remove it and they have n't
Product: Credit reporting or other personal consumer reports

'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT : DISCOVERBANK Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law XXXX XXXX XXXX XXXX XXXX Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your. I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE OF THE LAST PAYMENT. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS
Product: Credit card or prepaid card

I rented a car through XXXX in Hawaii from XX/XX/XXXX to XX/XX/2019. On XX/XX/XXXX, the vehicle I rented was involved in a minor accident. When booking the car, I read the Bank of America website to determine if I needed to purchase additional insurance from XXXX. The Bank of America website lead me to believe that I was covered. When I attempted to file a claim with Bank of America, I was told that my claim was rejected because I had rented the car for 17 days. I was told that insurance through Bank of America was limited to rental agreements of no more than 15 days. Nothing on the Bank of America website mentioned a limit of duration for the free insurance provided by Bank of America. On the contrary, the Bank of America website encouraged me to decline additional coverage from the rental agency. Please see the attached page from Bank of America 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 late payments on my XXXX  credit report from Primelending in which I have submitted an email from the rep for the XX/XX/XXXX late payment was not late and this is still coming back as verified and not removed. The late payment in XXXX of XXXX I submitted the proof that I was in loan modification with the end date being XX/XX/XXXX with instructions to make a XXXX payment to a different servicer once modification was approved which I did immediately after receivng the letter but I also did not get the letter until XXXX so I had to make XXXX and XXXX at the same time
Product: Credit reporting or other personal consumer reports

Its come to my attention that I have been told by each credit bureau that I have delinquencies on my reports. When I reached out to have the error and misleading information to be removed they did not respond to me with the proper documentation and evidence supporting their claims against me. So I would like for them to delete and correct the issues. I explained to them how they are violating the fair credit reporting act and the consumer protection act laws! But they fail to abide by it.
Product: Student loan

I 'm need help I 'm confused about everything. I 've been paying for 5 years and the principal never goes down. they even went into my jobs payroll
Product: Credit reporting, credit repair services, or other personal consumer reports

My recent dispute did not resolve my current issue with the 3 major credit reporting agencies inwhom is obviously reporting information that has not been physically certified by any documentation. I'm demanding an re investigation into these accounts as well as an detailed Method Of Verification used. I need the names and title of all employees inwhom conducted this investigation, the stamped date and time and the certified documents used .Also I would like a copy of them documents The disputed accounts are as following, # 1 XXXX  XXXX XXXX XXXX , # 2 XXXX XXXX {$0.00}, # 3 MO Child Support {$2700.00}, # 4 XXXX XXXX {$0.00}, # 5 XXXX XXXX {$0.00}, # 6 XXXX/ XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX has been included in the names reported section for the Equifax Report which helps to determine my credit score. This is incorrect as this has never been one of my names and should be eliminated from the reports and my credit score.
Product: Debt collection

I made payment arrangements with One Main Financial, and while I have a payment processing they called me repetitively, 12 times within 3 days. One Main financial has used spoof phone numbers, along with toll free numbers, leaving voicemails in addition to sending text messages. This has been going on for a couple months with the frequency increasing each day. It went from once a day to now 5 times a day. This is harassment.
Product: Credit reporting or other personal consumer reports

Unauthorized items have appeared on my credit report due to the fraudulent use of my personal information. I have never had any connection to these transactions, nor have I benefited from them in any way. Recognizing the severity of this situation, I promptly filed a report with the Federal Trade Commission in hopes of resolving the issue. However, despite taking the necessary steps, these fraudulent items still remain on my credit report. 
This ongoing issue has been incredibly frustrating, as I am left dealing with the consequences of someone elses wrongdoing. It is unacceptable that these unauthorized items continue to damage my financial standing.
Product: Credit card

My complaint is against Target Red Card owned by TD Bank. My issue is how long is is taking to reissue my credit after making payment. I have never been late nor even had to pay interest. On one of the payments they even took it from wrong bank account after which I had corrected new bank account online with them and received a notice that new bank acct was entered. Every time I make my payment it is taking almost a month to receive credit limit back. I literally have to call and speak to a bunch of supervisors before anything is done and even then it still takes 5 more days. This is ridiculous and illegal. It states in their policy that credit will be issued two days after a payment and if late etc can take 5 days at the max not a month. I have taken screen shots of all payments when they are posted and also shows the credit still not issued back. Also have screenshots of bank acct as to when they received the payment. Please contact them and make sure they are following all rules I should not have to call every month to receive credit limit back after payment has long been made and cleared bank acct.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

Accounts listed below. 
1. Account Name XXXX XXXX XXXX XXXX  Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account Number : # XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX .Violated my rights.
Product: Debt collection

I received a text to my cell phone and it stated and I quote - " Welcome! You will now receive texts from Harris & Harris, a Debt Collector on behalf of XXXX  # OfMsgsVaries Msg & DataRatesMay- Apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To XXXX reply STOP '' I transcribed this exactly as it appears on my phone. We checked out XXXX  account and we have a XXXX balance. My husband has the account in his name, I am on it as a second line. I am not going to be contacting any of the links or phone numbers on this text, and per some research it happens often. I want this noted so that others do not fall victim. It is out of control how many scams are out there.
Product: Checking or savings account

I rented a car from     XXXX   XXXX   XXXX   o n XX/XX/XXXX . I e xtended the ren tal three  times over the cours e of four  weeks. I extended my rental on three separate occasions. Each time I extended my rental I was told by  XXXX  they would be putting a hold on my account that would be applied to my final balance when I returned the car. I checked on my account i saw the holds that were applied each week. However when I returned the car there was insufficient funds in the account. Therefore my account was overdrawn by approximately {$650.00}. I called  XXXX  to see why the hold on my account were not applied to the bill. I was told my bank had to release the funds. I check my account the holds were no longer showing. I wen t to two s eparate Chase branches and I was told there was never any holds on my account, there is nothing they can do and I need to be more careful with my money. I called  XXXX  while in the bank and they gave my the dates and amounts of the holds.  XXXX  also told me if I had chase call they would give them the authorization code to release the the holds but the associates at  Chase r efused. The  XXXX  holds were  on  XX/XX/XXXX  for {$260.00},  XX/XX/XXXX  for {$270.00} and XX/XX/XXXX  {$220.00} totaling {$760.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to rectify this matter, I am dismayed to find myself addressing it for the fourth time. Despite my efforts and the assurances I have received, the fraudulent items persist, causing me undue stress and financial hardship. The continued failure to address this issue reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

As of XX/XX/23 i havent been able to use my debit card or access my funds in my account with no warning from USAA. once i called it was a two hour wait to be told they would call me back on the call back service. Once they called back it told me it was unable to conduct the call back service. I then called again and was told my account was under fraud review and someone would call me within XXXX hours. i called again this XXXX  and was told the same thing, even told yes i would not be able to feed my kids or put gas in my car or pay my bills because of a supposed fraud review.
Product: Credit reporting or other personal consumer reports

I paid a company a membership fee in exchange for credit report to help Boost my credit profile after two months and no results they continue to offer more products and discounts but not do what they claim to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my account was reported delinquent. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the XXXX XXXX  that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, equifax all have many names and different addresses and they are not me nor are mines and some how my information was involved in a data breach and this has caused my very personal and important information is out everywhere and lately I have been getting lots of emails saying that I owe companies and also everyday Im getting calls even when Im at work or at home and this is stressful when these people have handed out my information!!!!! 
I had to get a lock for my social security number and yet people are still harassing me daily and its all XXXX, XXXX XXXX, and equifax fault!!! I only have a first and last name only My address is a private mailbox. So how could these people have information when I didnt give them permission to them!!! My first name XXXX  and I dont have a middle name and my last name XXXX So who is those other names and addresses??? I have a private mailbox!!!
Product: Credit reporting or other personal consumer reports

The third time is the charm as everything comes in XXXX XXXX I have tried to rectify this matter. There are still charge offs, student loans and inaccurate reporting of balance and transaction history reporting. 

First, According to Family Educational of Privacy Act 1974 STUDENT LOANS should not be reported it goes against privacy act as stated here -https : //nces.ed.gov/forum/dataethicscourse/additional-materials/family-educational-rights.pdf https : //studentprivacy.ed.gov/sites/default/files/resource_document/file/2012-final-regs.pdf Second, charge offs are certificates of indebtedness and should not be reported, so please remove ASAP.

Third, its illegal to report transaction history. Remove all " soft and hard '' inquires Fourth, for permissible purposes remove all collections, student loans, charges offs and update transaction history as current/updated.

Fifth, by reporting non accurate information without my consent is against FTC - https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0014-identity-theft.pdf 15 USC 1681 - inaccurate report, 15 USC 1608 CASE LAW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - In this case, a class of XXXX individuals sued XXXX , a credit reporting agency , in federal court under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - CFPB and FTC Take Actions Against TransUnion for Illegal Rental Background Check and Credit Reporting Practices- https : //www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-take-actions-against-transunion-illegal-rental-background-check-and-credit-reporting-practices/ Psalm 25:1-2 says, In you, Lord my God, I put my trust. I trust in you ; do not let me be put to shame, nor let my enemies triumph over me '' Please take heed, XXXX/ BENEFICIARY