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

On XXXX, XX/XX/XXXX, I, received a letter from the United States Department of State Passport Agency indicating that I was ineligible for passport services due to the Department of Health & Human Services certifying that child support arrearages were owed. And, that I was to make appropriate satisfactory arrangements with the state child support agency within XXXX  days or my passport application would be denied. 

So, I visited the business, located at XXXX XXXX XXXX XXXX, Department of Child Support Services, and explained the aforementioned to the attendant. I was provided with a printout of a State of California - Health and Human Services Agency Financial Case Audit Report, wherein it named XXXX, XXXX as obligor, and XXXX, XXXX XXXX as Obligee for Debt Type : CHILD SUPPORT SERVICES, in the amount of a total balance due of XXXX, {$980.00} per month as of XXXX XXXX XXXX - XXXX XXXX XXXX, with interest I explained to the attendant that this was my first time hearing of this alleged debt. I asked if there was a copy of a Lien, a written personal responsibility contract or agreement, enrollment package or application, or a Judgement in which I could verify signatures and confirm I am obligated to pay. The attendant said no. So, I decided to check my consumer credit report for deficiencies.

A copy of my consumer credit report did indeed reflect damage to my credit rating, due to an unpaid loan wherein it named the alleged creditor or debt collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 

I am officially disputing this debt due to, this is not my debt. 

I did not borrow or agree to be charged {$76000.00}. I had no personal knowledge of this transaction. I did NOT give XXXX, XXXX XXXX or XXXX XXXX XXXX  permission to misappropriate my identity information to open consumer credit accounts and incur debts in my name. I will not assume liability for any unauthorized procurement of credit in my name that I did not benefit from. I suggest you correct your billing errors and name XXXX, XXXX XXXX as the Obligor and go after her.

Provide me proof within XXXX that I made an agreement, with full disclosure of facts, to borrow and pay back {$76000.00}, or send certification that this matter was reported in error so that I may forward it to the passport agency for release of any hold on my passport application process.

Furthermore, provide proof that you followed these simple civil federal requirements and procedures for voluntarily establishing paternity, and how you afforded all due process rights by way of oral, video, or audio and in writing of the alternatives to, legal consequences of, and the responsibilities that arise from voluntarily acknowledging paternity per 42 U.S. Code 666 - Requirement of statutorily prescribed procedures to improve effectiveness of child support enforcement.

Also, provide proof of the terms of an oral or written personal responsibility contract entered into that I would have to be in compliance with or committed to cooperate with per 42 USC 603 ( 5 ) ( c ) ( iii ) ( III ).

Thankyou, By : XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 card

XXXXXXXX XXXX XXXX account number XXXX Amount XXXX Its closed in my name I disputed I have no knowledge of this account
Product: Checking or savings account

I've lost over XXXX filed a police report, and still haven't received any help, Starting XX/XX/XXXX my card was being used, which I had no knowledge of until XX/XX/XXXX when I got home due to being in XXXX for work. 
I've called them and asked to review this..I 've even attempted to reach out to the CEO of the company..here 's my evidence to help
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$930.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to inform you of the false statement of the renewed lease agreement atXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado. I have received a false renewed lease agreement that I do not recall signing. The addendum differs from the date signed. It mentions that it was entered on XX/XX/XXXX, and signed on XX/XX/XXXX, covering the term from XX/XX/XXXX, to XX/XX/XXXX. However, my first contact was on XXXX, and I do not recall signing this document due to being out of the country on the date mentioned in the lease agreement, XX/XX/XXXX. 

I also received an email on XX/XX/XXXX about a final rental reminder that states a past-due balance of {$1100.00} ; however, I talked to the assistant manager on XX/XX/XXXX of XXXX, and I also sent an email on the same date ; however, they responded that I needed to pay in full although I explained that I did not sign the contract and this was a false statement. On XX/XX/XXXX, I sent another email to find a possible solution after receiving the email about the late fees. However, I was still waiting for a response. I sent another email on XX/XX/XXXX, hoping to clarify the contract and find the best possible solution, but I was still waiting for an answer. 
They are telling me that I owe {$9300.00} to XXXX XXXX XXXX XXXX XXXX/ XXXX. I now request that you promptly and effectively remedy these issues. I ask that the renewed lease agreement contract be voidable to resolve this issue since the information is false and fraudulent. I did pay in full the amount owed for the initial lease agreement here I attached XXXX receipts
Product: Money transfer, virtual currency, or money service

XXXX account different locations taxes, Maryland, extra large amount of money from the bank charg for account phone number XXXX ) XXXX debt from debits against company XXXX principal Owner. Through XXXX reordered forms charging it to my phone number above. Questions from a were prepare for more transfer money stopped sent to account Bank account activity without an account applicable to taxes from FDIC insured Money. I've been scammed by XXXX for no reason just because XXXX principal Owner to email account. Fighter and banking partnership to end fraud from all banking endeavor. 

Searching for my number is on XXXX maps type in XXXX ) XXXX amazing I couldn't power as from pristine as wrong headed think it's a scarce resource. But orders for merchandise go through XXXX and abroad my company. I'm quite sure tax write off limits. Seeking answer to key systems through insurance coverage on my capital income protections. Thanks for when will it End.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

In XX/XX/XXXX, as the co-signer for a vehicle loan through Chrysler Capital, I made a final overpayment during the sale of the vehicle, a XXXX. This overpayment resulted in unclaimed property owed to me, a fact I was unaware of until XX/XX/XXXX when I was informed by a law firm. 

XX/XX/XXXX : Contacted Chrysler Capital upon learning of the unclaimed property. A representative directed me to email XXXXsantanderconsumerusaXXXX with identification documentation, stating a resolution timeline of XXXX weeks. 

XX/XX/XXXX : After no further contact, I reached out again and was informed by another representative that the original process advised was incorrect. I was told that my information would be updated and submitted to Accounts Payable for verification on whether the check had been cashed, with a suggestion to follow up on XX/XX/XXXX. 

XX/XX/XXXX : Upon following up, I was told to wait an additional XXXX hours for an update. No substantial information was provided, nor were there any updates from Accounts XXXX or regarding the change in my home address. 

Later on XX/XX/XXXX : After being transferred to a manager, XXXX ( Manager ID : XXXX ), I was informed that all previous advice was incorrect and was instructed to fax my identification to XXXX, reverting to the original advice of a XXXX week processing time. 

Same day : Due to the inconsistencies experienced with Chrysler Capital, I contacted Santander Consumer USA directly. A representative XXXX XXXX, ID : XXXX ) informed me of a different process specific to California, advising me to email cXXXXsantanderconsumerusaXXXX and fax XXXX, which I promptly did. 

Throughout this process, I have encountered conflicting instructions, lack of follow-through, and a significant delay in resolving the claim of unclaimed property owed to me. This experience has been frustrating and time-consuming, with no clear path to resolution provided by Chrysler Capital or Santander Consumer USA .
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Both DEPT OF ED / XXXX accounts have been paid in full and report should not be reporting on my account at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 open credit card accounts. Two are from XXXX XXXX XXXX  and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of XXXX, XXXX, Experian, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights 15 usc section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors.

Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I tried to open a checking account and was denied based on a closed account that was reporting from Citizens bank that was reporting on my XXXX report. This was a month and 1/2 ago. I have been trying for over a month no one is helping me I keep getting told it will be resolved. I need this removed because The account is NOT MINE. Citizens bank has validated that it was an error on thier part and will fix it BUT still as of today They have not. This is unfair that I have been having this on my report for so long I never new until someone at the Bank told me I am being denied a bank account based on a reporting of a closed account that is NOT MINE. Please if someone can aissit me. i don't know what else to do but take this into legal matters at this point
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS REPORTING OUT OF STATUE OF LIMITATIONS THE ACCOUNT WAS LAST PAID XX/XX/year>
Product: Debt or credit management

I was paying over XXXX of dollars monthly to fix my credit and be able to buy a home for my family and I was told it would take XXXX months I was paying over a year and when I was calling to talk to the man that referred me to Lexington law firm he acted as if he dont remember talking to me and didnt know me or he did not refer me when I know he did. My credit was never fixed and I never got my home.
Product: Credit card or prepaid card

I have been trying to get a hold of Bank of America for 3 weeks to resolve fraudulent charges on my card. This card was never activated and the charges are identical in nature after three rounds of canceling and reissuing a card card. 
Charges are coming from XXXX. 

There must have been a massive data breach that was not shared with customers. 

I know of other people affected in the same way by Bank of America.
Product: Credit card or prepaid card

In XX/XX/XXXX, I requested a lower rate on my Discover Card. My balance at the time was XXXX. Discover informed me they would only adjust the interest rate on purchases AFTER XX/XX/XXXX. From that point forward I have been subject to two interest rates purchases prior to XX/XX/XXXX at 29.99 % and Post XX/XX/XXXX at 24.99 %. I have made payments well in excess of the minimum payment however the balance subject to 29.99 % is now as of XX/XX/XXXX at XXXX. Per the Credit Act of XXXX, payments over the minimum should be applied to the principal of balances subjected to the higher interest rates. I have contacted Discover numerous times about this misapplication of payments with no resolve and was told " they have no way to ensure payment application ''.
Product: Debt collection

LVNV FUNDING LLC has ignored my request to remove a negative account that was placed on all three credit bureaus. I will attach documents that i recently sent to them. I have spoke to the and even explained that the address that they have on file isnt mine and I never live there.
Product: Mortgage

I was being told one thing one the phone then was told I had to sign something totally different from what I was told verbally. Each time I have asked questions I was threaded that if I did not do what was asked I would not get my house.

The Mortgage Company made me miss my original closing date which should have been XX/XX/XXXX due to them not turning in paperwork to underwriting as well as them not getting the paperwork over to the Title Company in time. I gave my credit card information on XX/XX/XXXX to pay for the appraiser. They call me onXX/XX/XXXX to try to bully me out of closing. Then then told me I had to sign to extend the closing or I would lose all of my money.

I also was given a final closing amount 3 days before closing then I was told 2 hours before closing that I had to bring {$1500.00} more to closing and if I did not I would loose all my money plus not get the house.

This Company has been harassing me. I have email proof that nothing else was needed now that I am in my house but this Company is still calling around asking things about me. XX/XX/XXXX I sent a email asking why is people from their company having people call to verify information when I already have the home and my loan has been sold. They refuse to answer this questions. I even only gave them written consent to verify information until XX/XX/XXXX.

This Company has even been calling my Employer trying to get me fired.

I pray that someone can please help me. I had taken it to Management and that is why I am now filing a compliant. They refused to solve my issue.

I even had to pay for a attorney on the behalf of the Mortgage Company and neither one of them showed up at closing and I still had to pay them or I would not get my house.

I cried the whole time I was at closing and was forced to sign papers and was told if I did not I would not get the house that THE XXXX  promised me.
Product: Credit reporting or other personal consumer reports

I called Trans union on XX/XX/year>XXXX XXXXn regard to filing a dispute.I spoke with XXXX. She asked me the name of the companies that I want to dispute. She asked for them all at once without asking me the reason for the dispute. When I had given her the companies she stated that she was done. I asked her what she had done. XXXX stated that she had put that the accounts were not mine. When I advised her that she had me filing a false statement, she claimed that everyone that calls in to dispute makes that statement. I advised her to undue it. She claimed she couldnt and that I would have to wait 30 days. I advised her that she probably committed a crime by lying in the dispute & asked for her supervisor. XXXX hung up. I tried to dispute it on my own. But was not allowed.
Product: Debt or credit management

To Whom It May Concern, I am writing to file a formal complaint against Credit Glory, a credit repair company, for their unethical business practices and violation of the Telemarketing Sales Rule ( TSR ). Despite recent litigation explicitly prohibiting up-front charges for credit repair services, Credit Glory charged me in advance for a service they failed to complete. 

In XXXX of XXXX, I engaged Credit Glory 's services to repair my credit. However, instead of adhering to legal standards and charging fees only after delivering the promised services, Credit Glory demanded payment upfront. This not only goes against the TSR regulations but also raises serious concerns about the legitimacy and integrity of their operations.

As a for-profit company, Credit Glory is obligated to abide by consumer protection laws and regulations. By charging me upfront, they have not only breached their legal obligations but have also failed to fulfill their end of the agreement by providing the promised services. 

I demand immediate action to rectify this situation. Additionally, I urge the Consumer Financial Protection Bureau to investigate Credit Glory 's practices thoroughly and take appropriate measures to ensure that they comply with all relevant laws and regulations. 

Thank you for your attention to this matter. I look forward to a prompt resolution of this issue.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS INFORMATION DOES NOT BELONG TO ME. PLEASE DELETE FOR INACCURATE REPORTING. ONCE YOU HAVE FINISHED REQUEST PLEASE SEND ME AN UPDATED CREDIT REPORT REFLECTING MY REQUEST