23daVinci/CFPB_Complaints huggingface dataset:
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 {XXXX} 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 or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : Creditor/Collection Agency Name : XXXX XXXX Account XXXX : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Debt collection

I noticed a dip in my XXXX score on XX/XX/XXXX. After checking with credit bureaus, found out that there was a collections debt reported to XXXX for {$120.00}. The details state that this debt was delinquent as of XX/XX/XXXX, assigned to Property Receivables Corp in XX/XX/XXXX, and reported to the credit bureau on XX/XX/XXXX. At no point was I contacted in any way, shape, or form in an attempt to collect this debt. I have not received official letters, phone calls, emails, or any other form of contact regarding this debt. There has been no attempt to validate the debt or provide proof that the debt even exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Law were violated by XXXX XXXX and transunion. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( tranunion, XXXX XXXX  ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports.

( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy.

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, equifax or experian any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is not fair. 

on date XX/XX/2020 letter were forwarded to transunion XXXX  and XXXX stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 
With that each violation is $ XXXX.and i demand my compensation law for each and every violation made by transunion, XXXX  and XXXX  and i also demand a deletion .of accounts and judgments15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice from a credit monitoring service that a new collection account was added to my credit file. 
I am not familiar with the creditor and have never been notified via USPS or email of such intent to collect on this supposed debt. 

I am concerned that no basic action of collection or notification took place prior to this collection account appearing on my credit-negatively affecting my credit score. 

I have asked the credit bureaus to dispute this information, on my behalf, however the dispute came back with results that said, " this account is verified by the company as being accurate '' and will remain on my credit. 

How is this possible when I was never notified of the intent to report to the credit agencies. 

THIS IS SO UNFAIR. My prayer for relief is that this account be removed, and the proper collection actions take place which allows myself and other consumers the chance to validate and/or pay this debt in the allowable timeframe my law. 

I was not given that option-now this collection account appears on all 3 of my credit reports negatively affecting my credit score and history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy incorrectly showing on my consumer report with Experian. The court listed on the report does not exist. I have called the courts in my city, they are not able to verify this information. On XX/XX/2019 I sent a dispute with them. They sent me a response dated XX/XX/2019 that says they found the information through XXXX. This is invalid data, bc I placed a security freeze on my XXXX file on XX/XX/2019.
Product: Credit card or prepaid card

Upon receiving the US Bank XXXX for XXXX benefits funds had already been removed from the account and continued to be stolen from the account. Upon notifying the company and completing every request for information they didnt complete any investigation nor did they refund any of my stolen funds. They continued to be dishonest by stating that they did an investigation when they had not. Also requested on 3 separate occasions, that I be given supporting documents and all information that was used in conducting the investigation for my review and all they continued to do is send me the same documents that I sent to them which was nothing more than the transactions that fraudulently occurred on my account from the beginning to the end. I have lost a great deal of money from US Bank XXXX  and now am contemplating seeking legal assistance to recover my money from my unemployment benefits that they allowed to take place due to their negligence and breach of my rights listed in the cardholder agreement.
Product: Credit reporting or other personal consumer reports

I requested the removal of these unauthorized inquiries from my credit report but I am still seeing those right now. Please check the documents I've sent regarding this.
Product: Payday loan

APPLIED FOR PAYDAY LOAN FROM WHITE HILLS CASH AND XXXX BOTH COMPANIES HAVE CHARGED OUTRAGIOUS INTEREST RATES. UNABLE TO PAY THESE.
Product: Debt collection

For several months now, I 've been getting daily calls from Sterling Jewelers/Kay Jewelers. There are multiple Business names under the parent company. The initial calls were a script message to a person that does not, nor ever has lived at or resided in my home. The message gives an XXXX number for the non-resident they are attempting to reach. The calls originate from various phone numbers across the country. I 've researched a number of them and they all seem to originate from XXXX of the many jewelers stores under the parent Sterling Jewelers. On a few occasions, I returned the call by calling back to the number on " caller ID ''. I explained that these nuisance calls were intended for someone that DOES NOT live and has NEVER lived at my address. I explained that they definitely have the wrong number and must stop these nuisance calls. On all such occasions, they told me that they are recording my information and would remove my phone number from any future calls for credit collection. To this day, I still get daily calls from these people. 

I 've been keeping track of the phone numbers that these collection calls originate from and I have compiled a list of XXXX different phone numbers that they have used in making calls to my home.
Product: Student loan

XXXX and XXXX has charged fees to enter a forbearance, impacted my credit reports charged multiple late fees, denied access to my loan payment history, received inaccurate information about the Public Service Loan Forgiveness program.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the failure to block adverse information on my credit report, as required under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking, I submitted a XXXX XXXX  Victim Consumer Submission on XX/XX/year>, via certified mail, which included all required documentation to support my request. 

Despite the receipt of my certified mail submission, Equifax has failed to comply with the regulations by not blocking the adverse information from my credit profile within the mandated timeframe.
Product: Debt collection

I have contacted this company directly and also sent dispute to credit bureau to have this erroneous entry removed from my credit report. The credit bureaus have failed to investigate or respond to my inquiry, only update to restart time on debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XX/XX/XXXX 2 ] XXXX XXXX   XX/XX/XXXX 3 ] XXXX XX/XX/XXXX 4 ] XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXX XXXX XX/XX/XXXX 7 ] XXXX  XXXX XX/XX/XXXX 8 ] XXXX XXXX XX/XX/XXXX 9 ] XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian.com User account XXXX Can not cancel CreditManager account. Automated phone menu says I have no account, but I can log into it and they bill my XXXX XXXX each month. 

No way to reach a human.
Product: Debt collection

Debt Collector, Mail Fraud, Threaten to seize property Can not prove contract Will not answer RESPA Violation RICO Violation Consumerist Violation FTC Violation
Product: Credit card or prepaid card

Since XX/XX/XXXX, I have tried to communicate with Citi regarding the high fees of my credit card ( 19 % ). I explained that I am retired, very ill with serious medical issues and billing, living only on social security income and have been a loyal member with no issues since XXXX. They informed me that I should call after the holidays to request a lowered interest rate. Then COVID19 happened and things became very dire for me and my family. Job loss of  relatives who would help with my bills and so many other issues. I called Citibank every day the week of XX/XX/XXXX and was placed on hold for 2 hours each day. The calls would automatically end every time after waiting for two hours. I called early morning, late at night - and throughout the day hoping to get a slow time. I went on the website, communicated with the automated thing and received another number to call. But it was the same result - hang-ups, or " we can't help you, call this other number. '' I called the other number and long wait times. I went on the website again and requested assistance due to COVID. They said they would contact me after 7 days. They have not done so and I have been making weekly calls and messages on the app or website ( one or a combination of the other ). This has been abusive. My bill is now three times what it was previously and I can't pay. I am XXXX years old. Help!
Product: Credit card

On XX/XX/2024, I was shopping online at Ulta.com. I added items to my cart and went to check out. 

Upon checking out, there was an ad that I could save an additional 20 % on my first order if I opened an Ulta credit card. I applied and was approved for a {$4900.00} credit line.

I went back to my cart to add a few more items and proceeded back to the check out but the 20 % promotion was revoked from my account. I did not get emailed a promo code since it was supposed to automatically add to my account, so I called Ultas customer service line.

I explained the situation to several representatives and kept getting transferred. I was eventually led to place the order on my personal card and was told that a supervisor could do the price adjustment. I spent over an hour trying to get this figured out but continued getting transferred and nobody could help. The supervisor that was supposed to reach out never did. 

A banker who I spoke to mentioned that he was familiar with the issue and it was due to adding more items to my cart and leaving the page. 

This is a common user behavior and there was no fine print that I could not leave the page and add more items to my cart. 

I now have a ding on my credit and am very upset about the amount of time I spent trying to fix the issue and it is still not fixed. Ultas deception and false advertising needs to be looked into. I would have never opened a credit line with them if there wasnt the 20 % incentive.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX submitted a false, discriminating, emotional distress and derogatory allegations against me and my important credit bureaus. The creditor previously submitted a hand written notation pm a notepad without letterhead overstating charges that were not backed by the parts and labor receipts required to prove the creditors actually costs. I called the collection agency numerous times and disputed the amount with all the credit bureaus. I had filed a complaint with HUD & the XXXX XXXX XXXX regarding harassment, emotional distress, mold and overcharges. My lease was paid in full XXXX XXXX and nothing could be done while HUD & the XXXX was investigating my claim. I did owe only XXXX months rent of {$740.00} for XXXX in which the creditor filed a civil judgement for, However, he accused me in the correspondence sent to the collection agency of stealing electricity, damaging the water meter, {$500.00} to clean my oven, cutting holes in the molded attic insulation, {$500.00} to clean my dogs XXXX which was barely a couple in a XXXX yard? Claiming other miscellaneous things like accusing my son living permanently with me ( {$2500.00} )? ..I was on a month to month after completely my lease in XXXX XXXX and left in XXXX XXXX.The collection agency said I was responsible for the time it takes to fix up the apt XXXX Well it does not take 3+ months to fulfill the work. The creditor filed this collection in XXXX XXXX. The collection agency has a bad XXXX reputation. ( National Credit Systems ) out of Georgia # XXXX my acct # XXXX. I have been on XXXX XXXX since XXXX and the reviews of that property have been horrible. They also filed for Chapter XXXX bankruptcy in XXXX XXXX and it was dismissed for failures to abide by the judges rulings. The attorney representing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX # XXXX. I contacted him and he was of no help at all!!
Product: Debt collection

XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX and third party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged debt. On XX/XX/XXXX, I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/XXXX at XXXX XXXX. an Agent of this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX continues to ignore my requests. On XX/XX/XXXX this fraudulent item was removed from my credit report and this company willfully violated my consumer rights according to the Fair Debt Collections Practice Act. Specifically, I requested the documents from their filesthey used to verify this account. Under the FCRA, I have the right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. Who verified this account? What documents wete used to verify this account? Where are the documents they used? It has been eight months from the time of my initial request for validation and to date they have willfully ignored and violated my consumer rights by refusing to validate this alleged debt. XXXX XXXX is in direct violation of the law by continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested right months ago. XXXX XXXX can not provide evidence that I am contractually obligated to this account and as a result, they are in direct violation and have totally disregarded the law. 
XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX year of 2021 i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased 98 points back in XXXX. XXXX XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately!
Product: Debt collection

Recently received a notification of a debt from a unknown collector that I have never had a contract in place with. They sent a copy of a contract and invoice with unrecognized fees, interest and tax. I requested them to provide me. Breakdown of how the fees were calculated but thats not what they provided. Under the fcra I am allowed to have breakdown on how theses fees were calculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax XXXX asking them to stop committing fraud by reporting inaccurate information from the companies that has also been reporting fraud and to keep my account accurate by deleting them item they then sent me a letter saying I have not applied for credit recently I have no credit activity in the past 10 years and I have not lived in the united state or have not been giving a u.s social security number so if this is true based on there saying why do I have a Equifax credit score and credit report
Product: Checking or savings account

Please see the attached imaces i have attached as proof. Please ask Telechek to get my information correct before i file fraud charges against them. I have asked them 4 times allready. The info is as follows : Business account name : XXXX XXXX XXXX XXXX account address : XXXX XXXX XXXX XXXX, KY XXXX Business phone number : ( XXXX ) XXXX