23daVinci/CFPB_Complaints huggingface dataset:
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. 
| The accounts below have violated my rights. 
| 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.c 1681 Section 604 A Section # * 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 tem 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 ) ( a ) A person shall not furnish any information relating td a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : CB INDIGO BANK XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is in reference the accounts of : XXXX XXXX XXXX which was closed XX/XX/XXXX with a balance of {$3600.00} and XXXX XXXX XXXX XXXX XXXX account for {$3100.00} I had could not keep that account open during COVD and could not make any payments. I continued to recieve calls and letters from the company even after i had expressed my situation. This was removed from my credit report and XXXX XXXX showed up with a different balance. I disputed this not knowing what it was and then XXXX Bank showed back up on my credit reports again along with XXXX credit that would not quit sending me letters until i had a 3rd party send a response. XXXX XXXX had was not reporting to all 3 bureaus until it was disputed and removed and now they are reporting again. 

According to the law, my credit is supposed to be private I did not give either one of these companies permission to put this information on my credit and had a third party send a letter accordingly. The both reported that they meet the fair credit reporting act with no other response.

[ 15 U.S.C. 1681 ] States I have the right to privacy The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX was in communication with me and 3rd party letters when they sold this debt to XXXX. 

Again, i have given neither one of them permission verbal or written to share my information. All of my information and the letters of communication they sent is with Dispute my client. I forwarded it all to them, but they only work on things for 1yr. Meanwhile i still received calls from both of these companies but declined to answer. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed. 
XXXX XXXX also shows on my Experian report that I went from a {$3100.00} balance in XX/XX/XXXX to XXXX $ balance in XX/XX/XXXX. This is different from the other reports and different from the last time they reported.
Product: Credit reporting or other personal consumer reports

BARCLAYS BANK DELAWARE XXXX XXXXXXXX XXXX XXXX, DE XXXX Dear XXXX, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. BARCLAYS BANK DELAWARE ( Commercial Banks ) Date of inquiry XX/XX/year>. This is what I reviewed and I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA XXXX XXXX, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed. Furthermore, FCRA Section XXXX requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable.I am hereby requesting that CFPB investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations. Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA XXXX XXXX you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance XXXX {$530.00} ; XXXX XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX
Product: Debt collection

I called SiMM and associates after logging into their portal to pay a debt. The website offered 4 options. 3 payment plans and " decline offer '' When I called them to find out what the offers were, they said I should " just pay them '' that they do not know what the three offers were. Which leads me to believe I owe them nothing.

Here is a link to the actual photo of the " payment arrangements '' XXXX  : XXXX The representative I was speaking with said he had " NO IDEA '' what the offers were and that I should " just pay him '' I asked to speak to a supervisor, because I would like to see what I was accepting or declining. He went to get a supervisor and reported again -- we have no idea and to pay him. 

XXXX  : XXXX XXXX  : XXXX I told him I was recording him and he then hung up. This is the video/audio to the call XXXX  : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2022, authorized representative XXXX, from XXXX XXXX XXXX ext XXXX accepted that the balance of {$130.00} from the original XXXX XXXX XXXX of Georgia will be COMPLETELY DELETED FROM ITS REPOSITORY once balance was paid. I paid balance and it has not been deleted on of my credit profile with TRANSUNION, XXXX, and XXXX. I wish to have this deleted complete per request and law.
Product: Debt collection

I had a credit card with XXXX XXXX back in XXXX and I lost my job so I was unable to pay the debt. In XXXX I received a garnishment from Frank & Kramer for {$1400.00} that I paid in XXXX for {$1800.00}. I never received a summons to go to court on this, but I paid the bill because I knew that owed XXXX XXXX {$500.00}. I received a garnishment in the mail today XXXX/XXXX/XXXX for {$1200.00}. I called Frank & Kramer and they claim that owed an additional {$1300.00} in post judgment interest and told me that this payment has to be paid and that I don/t have a choice in the matter. I should not have to pay {$2500.00} in interest to a debt collector on claim that is past the statue of limitations and that I have already paid. How can I be sued for a claim that I never received anything from the court tot appear on this claim. Please help me.
Product: Mortgage

On XX/XX/2020 I started communicating with Intercontinental Capital Group ( XXXX ) to apply to refinance my current mortgage. They requested numerous items for the loan which I provided. This went through review and underwriting which required more items which I provided. I've continued to provide all items they've requested. Their closing process has drug out for several months. Due to not closing timely the underwriting surpassed the XXXX snow storm which they said resulted in additional underwriting. This includes obtaining an inspection following originally being told I wouldn't need or have to pay for one ( original CD omits inspection as well ). I've also come across numerous issues with them adding erroneous fees to closing estimates. When questioned they would apologize and remove them. Lately, its been extremely difficult to get them to give me any sort of timeline on when we will close. They consistently go weeks with no progress and then reach out and say all the paystubs and bank statements are outdated and need to be updated. It's ridiculous how long this has taken but now I have sunk costs in the appraisals and time. I just want to close and be done with this company. Can someone at the CFPB help get them to fulfill their end of the process?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of true name fraud as a result of the Equifax data breach. On XX/XX/XXXX of this year, fraudsters applied for loans in my name to more than 24 entities. These fraudulent applications appear on my Clarity report, XXXX, Equifax and XXXX credit reports. I alerted Clarity and the credit bureaus of this situation. I also placed credit freezes and fraud alerts on all my reports but I am still being quite negatively impacted by this. Most recently, XXXX XXXX notified me that their exorbitant auto insurance quote for me was based on the number of credit inquiries on my XXXX report. But I did not make these inquiries and I am not being properly assisted by the bureaus because they fail to communicate the status of these fraudulent inquiries on my report and continue to supply this false negative information to companies and businesses. I really need help!
Product: Vehicle loan or lease

I logged onto the Toyota Financial Services website on XX/XX/XXXX to request a payoff for my auto loan. I had previously made an additional principal payment to the loan on XX/XX/XXXX. I immediately made the payment quoted of {$4600.00}. The payoff was good through almost the end of XXXX. After receiving and banking my funds Toyota has decided to tell me that I owe an additional {$280.00} because they made an error in calculating the payoff I was given in writing. 

My loan was paid 2 months in advance with multiple additional principal payments made prior to the XX/XX/XXXX payment. I have absolutely no confidence in this company 's accounting. The error was made on their part. I have no control over the inner workings of this corporation. I want them to provide me with the title to my vehicle because I have paid them the amount that they demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have consistently been exercising my rights and notifying Transunion that the 13 complaints submitted ARE NOT GENERAL DISPUTES!!! I have stated that clearly several times. The agency is still disregarding what my letters and complaints are saying and are still violating my rights. I am not denying nor am I validating the account. First, I stated that FCRA 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) says that transactions should be excluded from a consumer report. Payments are transactions that should not be reported. Next, FCRA 15 U.S.C. 1681B states a consumer report should NOT be furnished with the written and expressed consent of the consumer, which I have never sent. Also, any account created from a credit card is to be excluded from a consumer report via 15 U.S.C. 1681a ( d ) ( 2 ) ( B ), with a credit card being a driver 's license and a social security card. I also asked the specific procedures of the re-investigation and i should've gotten a response within 15 days according to 15 U.S.C. 1681i but the agency also did NOT comply with the law yet again. 

NOTE, nothing in my complaint says anything about verifying, validating, or denying information on my consumer report. Rather, I am stating my federal rights are being violated intentionally and my complaints are being disregarded. And if you don't understand the legal ramifications, forward this to an attorney and not a consumer relations representative. Also note, XXXX XXXX, General Counsel, understood my request and deleted the other accounts so it appears the person reading this is not the right person. Side note, how is it that my rights were upheld with the other accounts ( see attachment below ) yet the transaction in question is being disregarded?
Product: Credit reporting or other personal consumer reports

I currently have four fraudulent accounts appearing on my credit report. 
1. XXXXXXXX XXXX  XXXX {$16.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX {$190.00} 4. XXXX XXXX {$230.00} 5. XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

This is in regards to a Citi XXXX XXXX card. Citi closed my account due to not renewing my XXXX account during the Pandemic. I did not renew because of the Pandemic and the fact that the nearest XXXX is XXXX miles away. I called to get my account reopened and was told they would not reopen at the time. For several months after it was closed i was still making payments online. Next, a few months later, they removed the card from my online account, leaving me with no option to make payments and no way to receive statements. 2 months after not making payments, they called and after telling the Citi representative what happened nothing got resolved. It is now several months delinquent, with still no option to pay or get statements. Citi still sends me emails with links to pay online but when i login the account info is not there and there is no option to pay. My other Citi XXXX card is still there and is current along with my Best Buy Citi card which is also current. 
I also tried to pay on the mobile app. No account info available.
Product: Debt collection

I have made 4 monthly payment to XXXX XXXX XXXX since XX/XX/2019. For a balance on a defaulted pay day loan currently not legal in Ohio. The debt was never owned by this company. I contacted the originator of the debt Balane credit and they state they have never heard of this company and my debt was sold to XXXX XXXX XXXX and they havent received any payments from XXXX. XXXX never verified the debt and is not a legitimate company stole my money and threatened to sue to and claiming to be compliance officers for the state!!! I want my money back and this company needs to be held accountable for their scams and harassment at home and work place
Product: Credit reporting 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 XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX and NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with the following credit bureaus XXXX, XXXX, EXPERIAN, I have request update credit reports and have received no answer to my disputes nor for the update credit report request.
Product: Credit card

I have an Amazon store card. I made a one month advanced payment which was fine for many months. After several months of paying at the same time, I noticed a late fee on my account. I chatted with an agent, explained the issue and it was waived. This then occurred again at which time I again chatted with an agent and then manager to have this rectified and changed the payment date as their system was indicating that I was no longer ahead of payments. I was assessed interest on all late fees. I recently made a payment of {$150.00}, which i believed to be more than the minimum payment but it was {$11.00} short, obviously a mistake on my part. I requested that the {$40.00} late fee be removed and prompt payment of the shortage be made by me immediately. Given the previous waiver of late fees ( which should never have been assessed ), I was denied a waiver. I would like a full review of my account and refunded all assessed interest on any and all late fees and a waiver of this recent late fee ( payment of the {$11.00} shortage has been made ).
Product: Credit card

My driver license and mail was stolen in XX/XX/XXXX  at my home in Nevada. The criminal opened 3 cards in my name in California. I froze my credit, took the necessary steps to call the companies and report fraud. All cards have been removed and cancelled except for Barclays/ Old Navy card. 

They refuse to close this fraudulent account. I received generic reply letters from the company saying my account is in good standing. 

I have never been to XXXX, California. XXXX is where the account was opened. I have called multiple times reporting fraud. 
I may have to seek a lawyer to remove this charge since Barclays/ Old Navy will not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$390.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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