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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have never received a written notice of any debts being collected, have checked my credit reports and have none, but am getting repeated calls - 2-3x a day from this number saying they are from Professional Credit Service with an important message from a debt collector. They have provided no information, no information on their company and no written documentation.
Product: Debt collection

Received debt collection letter on XX/XX/XXXX from Phoenix Financial Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, IN saying I owe XXXX XXXX XXXX, XXXX as balance of {$3300.00} ( original XXXX XXXX XXXXXXXX XXXX  ) for services rendered on XX/XX/XXXX. I responded with a certified letter requesting address, telephone number, billing statements from the original creditor of which the company sent me a letter with a list of medical codes and amounts, procedures/charges. This is not a billing statement from XXXX XXXX XXXX and serves as no merit to this debt collection company saying I owe this debt. I need concrete evidence from XXXX XXXX XXXX billing department that I owe this debt of which I never received a bill. This is a third party debt collection company on behalf of XXXX XXXX XXXX who bought these alleged debts. I am and have been most of my life a medically insured individual and my insurance company insures me that urgent medical transport is covered. 

Furthermore, Phoenix Financial Services is not a licensed debt collection company in the State of XXXX. I currently live in the state of XXXX, happily retired and not about to let this company ruin my exemplary credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding my credit report.. It has been well over 30 days and I haven't yet to receive any results..
Product: Debt collection

I recently reviewed my credit report and discovered incorrect information that needs immediate correction. The account in question is listed under JEFFERSON CAPITAL SYSTEMS, originally from XXXX XXXX, with Account Number : XXXX. This account is erroneously marked as OPEN with a PAST DUE BALANCE of {$650.00}. 

Account Summary : Original Creditor : XXXX XXXX Balance : {$650.00} Date Opened : XX/XX/XXXX Status : Collection account, {$650.00} past due as of XX/XX/XXXX This incorrect reporting violates the Fair Credit Reporting Act ( FCRA ) and XXXX standards. I request that you immediately remove this account from my credit report. Please provide an updated report showing the removal and compliance with XXXX standards. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX Attachments : - Copy of Government Issued ID - Dispute of Inaccurate Credit Report Information Letter
Product: Mortgage

Numerous times we were contacted by this company and each time, we stated that the timeshare was not what we wanted. They advised us that this was not a timeshare and that it was a vacation club. We did not meet with an attorney or perform a closing. I looked at our credit report today XX/XX/year> and it shows over {$18000.00} owed and that it is currently in foreclosure. How is this in foreclosure and it was never a mortgage? When we spoke with someone in customer service we advised that we wanted to be done with this, they stated that they would document our account and it would be up to the place in XXXX XXXX that we went to as to if we would be released. We have not received any mail correspondence from them in over XXXX to XXXX years, but they continued to report and not advise us. We were deceived into thinking we were buying vacations and not entering into a mortgage agreement. We did not have our attorney present with us to do a proper real estate closing. This is a deceitful practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ABOVE ACCOUNTS/INQUIRIES WERE NOT AUTHORIZED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF  EDUC 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, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax regarding a dispute on XX/XX/2022, and results were sent to stating that the accounts were verified and validated on XX/XX/2022. I know this to a lie, I requested physical verification, that was never sent to me. I contacted Equifax on XX/XX/2022, informed them that given the recent announcement of Equifax 's wrongdoings and fraud, I am certain my consumer file was irresponsibly tampered with. I have disputed these accounts for more than three months with no remedy, violating my consumer rights pursuant to 15 USC 1681 ( A.5 ), which assures that I am due, promised accuracy in my report and all unverified information must be removed promptly. I was hung up on by the supervisor because I stated that I am recording the call for my protection as does Equifax, if they are able to record the conversation, why should I not be able to since they are reporting information about me that I did not verify them to do.
Product: Credit card or prepaid card

On or about XX/XX/2022 I called Pen Fed customer service line to inquire about the balance that was showing on my Pen Fed Credit card because the previous 2 month I had made a {$300.00} payment. When I looked at the balance from the balance transfer the bank had only applied {$42.00} to my balance transfers. When I spoke with the customer service rep he told me that the bank use an algorithm to do the allocations of funds and that I did not have a choice as to how the payments were applied. He stated that if I made the minimum payment and waited until the billing cycle closed and made the payment for the outstanding balance the balance would be paid off so that was what I did, only to find out when I get the statement the following month it shows that I had a cash advance in the amount of {$92.00}. I then call back and spoke a different rep and was told the information as the previous rep stated so I ask to speak with someone that could fix the problem. The rep did forward my situation to a supervisor. The supervisor got back with me that same day and told me that the only thing that she could do was to refund the interest that was charged to the account and in order for me not to pay any interest I would have to pay about {$380.00} and that would have cover the cash advance balance. 

As I was talking to the rep I research the rule for this issues and it states that the card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment. During the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances. Pen Fed did not do that as stated by Consumer Financial Protection Bureau XXXX XXXX Allocation of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute several collection accounts on my XXXX, Equifax and XXXX credit reports that I believe to be fraudulent. I am a victim of identity theft and did not open or authorize any of these accounts. 

The following accounts are fraudulent : XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX Equifax : Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX I believe that these accounts were opened without my knowledge or consent while I was out of the country. I was not present in the United States during the time these accounts were opened, and I have not used the services of these creditors. 

As a victim of identity theft, I request that these accounts be removed from my credit reports immediately. I have taken steps to address this issue, including contacting the appropriate authorities and notifying my financial institutions. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 both my mortgage lender and I attempted to get XXXX XXXX to notify the credit bureaus that my collection account balance of {$390.00} had been paid in full on XX/XX/18 and/or supply a verification letter in order for the lender to attempt to notify the bureaus that the debt had been paid to increase my credit score so I could close on my home. The numerous times that XXXX had been contacted we were given conflicting information as to if or when the credit bureaus would be notified. They refused to supply my lender and me anything in writing to indicate that the debt had been paid ; with the last conversation ending in the bureaus could possibly be notified sometime this month or next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XXXX  year ; XXXX   year ; XXXX year ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

4. Delete this account, because it shows XXXX XXXX {$17000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not approved by me, some inquiries were removed and put back by Transuion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received updated XXXX XXXX report to XXXX an unknown debt by XXXX XXXX, " XXXX '' for " Chase Manhattan Credit Card '' ... this is probably a reaged debt opened in XX/XX/XXXX. I have not had any credit cards since XX/XX/XXXX except the ones I hold now presently. If this is proven to be my debt ... it is still beyond statue of limitations to report it on a credit report is it not? XXXX XXXX failed to mail any information to me etc to acknowledge this alleged debt. Is n't this illegal? What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquired to this organization about purchasing a house. They asked for my social security number to obtain a certificate of eligibility. But they pulled my credit report instead without my knowledge. I am extremely upset. This happened at XXXX PST. I spoke with the manager and explain to him what happened. He apologized. I no longer want to deal with this company.
Product: Money transfer, virtual currency, or money service

Hello, Sir or Madam! 
Thank you so much for your time and kind consideration!! My friend, XXXX XXXX used the service of ZELLE to transfer the money to me, XXXX XXXX on XX/XX/XXXX. XXXX XXXX 's bank is XXXX. My bank is XXXX XXXX XXXX. I did not register my phone number with Zelle, only my email address. XXXX confirmation number is XXXX for {$1.00} and XXXX for {$1400.00}. I have contacted both bank and filed a dispute with XXXX, but XXXX is unable to help XXXX XXXX and my bank, XXXX  XXXX XXXX is stating that they never received the transfer. I have contacted ZELLE and ZELLE is asking me to contact the bank. No one is willing to take responsibility for the transfer. ZELLE should have return the money within 14 days if the number is unfound or unregister, but my friend never receive back his {$1500.00}. Please provide me the best option in order to obtain my money back of {$1500.00}. Please also let me know if I am able to provide you with any additional information. I am truly very appreciative for your time and kindness.
Product: Payday loan, title loan, or personal loan

I got a police report like they asked me to. That still didnt help. They keep closing the investigation and reporting it to my credit.
Product: Student loan

I have been a XXXX ( XXXX ) for the last nine years. This means that my income is not steady, fluctuating with whatever work I find. This also means that I contacted Navient numerous times about my payments. I often asked for lower payments. But because I had to provide income proof, I could n't get my payments lowered. ( My taxes showed income that was higher when I actually had work. ) I was ALWAYS told that I had the option of not making payments for a period of time. Quite often I had to have that extended. I was not aware that interest rates would become so burdensome to my ability to pay back my student loans. Ridiculously, my monthly payment is now at {$1300.00} with {$1000.00} of that being interest each month. No matter how diligent I am at making these payments, I will never be able to pay this back under these circumstances. I am also a senior citizen.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The mistakes on my report are more than an XXXXtheyre actively hurting my score and my ability to pursue new opportunities. Its draining to keep finding errors that shouldnt exist, knowing theyre negatively affecting my life. This has gone on long enough.
Product: Mortgage

I would love to remind my mortgage payment because Im exiting my heart I dont have a job I lost my vehicle on yours and mine jump also because I need love XXXX tomorrow again is that Friday cans that walk where are you going to call for the mortgage did you want to listen to XXXX did forget opinion because I dont have any money from my wallet right now mine boiler is not working in my bathroom is not working phases of my wallet forget you dont want to listen to XXXX XXXX I said I want to do it its in my first time please
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Birthdate : XX/XX/XXXX Social Security : XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 There should only be XXXX address listed on my report, which XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXso noticed that my name appears to be misspelled on my credit report XXXX My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT PHONE NUMBER XXXX Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NEW YORK NY, XXXX NM Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX
Product: Debt collection

I have been speaking with Chase Executive office since my vehicle was seized. They have waited until the last minute to find a resolution. The vehicle is due to be sold this week because they have stalled through this process since XX/XX/XXXX. I was told that we could reinstate the loan on a document that is called the notice of sale but when I called to discuss that information they informed me that Chase did not mean to state that they could reinstate the loan. It had to be a misprint. Then the rep hung up on me. So I have called back several times. I was told by the Executive office that tow trucks can use objects to unlock the door to a vehicle if needed to obtain possession of the vehicle which violates that consumer law that it should be done peacefully. On the contract that was signed it also states that a repossession has to be performed peacefully as well. In the state of LA, the judicial process allows the bank to reposes the vehicle without judicial process but the bank has to notify the debtor in writing before the repossession. Also there has to be a document filed with the clerk of court in the parish where the debtor resides prior to repossession of the movable vehicle. Which was not performed in coordiance with the state law. Also, on the TIL documents it states that there is no cooling off period. XXXX XXXX states that any consumer has the right to rescind or cancel their contract at will. Also, on their contract that was signed it stated that it states that they ( JP Morgan ) they have to abide by Louisiana law and do the repossession peacefully. Also, the representative stated that they filed the documents in the parish where the vehicle was taken not where the vehicle was filed which was in XXXX XXXX. There has been inconsistent answers and cover ups for the way this who process was taken. If the vehicle was charged off in XXXX, why would you repossess the vehicle in XXXX without notification. The Mortgage fee that is placed on LA vehicles requires that lienholders file documents with the court and/or state for the purchase of the vehicle. Which means they have to abide by those laws as well. In signing the contract in XXXX of 2022, I was told Chase financed the vehicle with 90 days before the payment is due. According to my files, my first payment was due the very next month XX/XX/2022 which makes the contract void because of false representation under a retail sale contract. Lastly, I was told by Chase that they never received any payments towards this account. I have proof where payment was taken but never accredited to this account.