23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2019 XXXX XXXX ORIGINALLY CREDITOR WAS XXXX XXXX XXXX REMOVED A CHARGE OFF OF {$380.00} AS WELL AS THEY ARE REPORTING AN INCORRECT ACCOUNT NUMBER OF # # # # # # # XXXX AND IN THE MONTH OF XX/XX/2019 IT WAS REINSERTED ON MY EQUIFAX REPORT I WANT THIS DELETED PERMANENTLY!
Product: Debt collection

I owe a debt to XXXX. I know I owe this debt but right now I am financially strapped and do not want to talk to them. I have talked with them in the past and worked with them. We made a payment plan if I paid so much per month they would credit my account but realistically, they did not. 
So after our agreement was up, I stopped paying them. Between late charges and interest fees, I have paid them three times the amount I owe. 
So, they started calling all my relatives and friends starting late in XX/XX/XXXX. When they called my mother, I called them back and told them to stop but they have not. They have called my daughter out in Wisconsin and my son in Iowa. 
XX/XX/XXXX they began to call my sister on a cell phone she just recently purchased. She told them to stop. 
They call my house a minimum of 6 times a day starting at XXXX in the XXXX and call about every 1.5 hours up to about XXXX XXXX  and use all different numbers.

I understand I owe them money. I will pay it when I can. I plan on writing them a letter to tell them to stop calling and harassing me and my family but please something needs to be done now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I receive this mail the XX/XX/XXXX. where you told me that you had selected me to pay for compensation for the XXXX XXXX XXXX XXXX for fraud on other occasions. Then I received a call and invited me to cancel 2 payments of {$3000.00}. That is to pay {$6000.00} to make me supposely to me to compensate for Wester Union. The total sum of my compensation was {$100000.00}. Those who were never paid. The first payment that issued me had a tracking number XXXX which validates it and the transfer had been made, but it was never made effective.
Product: Checking or savings account

I opened an Estate or Business Account in XXXX after my Mother passed away. I was assured by XXXX XXXX XXXX XXXX that I would be receiving interest in my deposits as required by statute. However, unbeknownst to me shortly after opening account my account reverted to everyday checking which I am told offers no interest. This is contrary to my instructions to banker as well as what I was told. You had no authority or consent to change my account without my notice/consent.
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 XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for XXXX accounts on my report. XXXX Bank was the original creditor for both accounts ( XXXX XXXX XXXX and XXXX XXXX ) and they were both sold to a collection agency called XXXX XXXX XXXX. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed on Trans Union which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A complaint has bren file with the FTC also.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had an unsecured personal loan with Citizens Bank that I had gotten when I was in their employ. A few years went by and I no longer worked for them and the loan was paid off. 

I thought everything was great and I still had a decent image of the company, so my fiance and I decided to open a joint checking account there. Then a few months after having the account, my debit card stops working on a Friday afternoon, which was odd because I had gotten paid that day and there was ( should have been ) a few hundred dollars in the account. 

I log into my online banking to see that {$280.00} or {$380.00} ( it's been a few months ) debited from my account and all it says is " dda memo ''. I know from working for them for over 5 years that this means that the bank itself has taken money for something you owe ( an account sent to collections ). Which I'm not aware of anything that I may owe, because I had paid off the previous loan and had received no correspondence in the last 2 years since I had banked with them that anything was outstanding. Also, nothing had been reported to a credit bureau. 

Best part is, they did this right before closing on a Friday night, so I'm frantically making calls to find out what's going on, only to be told that all the departments I need to talk to are closed and don't reopen until Monday morning. I spend all weekend with no money and not being able to pay the bills that money was to go to. 

Monday morning I finally get to talk to someone after being transferred a handful of times to find out that apparently my loan had been paid off, but for some " glitch '' the system never recognized the payment and the system decided I owed that money and just pulled it from the deposit account that I had with them. Basically an " oops, sorry, the computer messed up ''. They offered to fix the issue, however the refund of my money could take up to 48 hours to be refunded to my account. So, they can take money instantaneously but make you wait to put it back. 

I ended up getting my refund, but then about a month later I got a letter in the mail showing the amount and letting me know that the loan, which I thought had been paid off years before and had been reported to the credit bureaus as closed, was now paid and closed. 

All in all, just a ridiculous situation with some shady bank practices and I closed my accounts and will never bank with them again.
Product: Debt collection

I paid one of my fee over the phone one of your people! Over a week ago and it still showing up on my credit! It was a payment of {$190.00}! I dont appreciate yall playing with my mOney!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> National Credit Adjustments ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX To Whom it may concern : You are listing this collection as an " open account, '' which does not comply with FCRA regulations. This is incorrect reporting and must be removed immediately. Kindly provide me with a copy of my consumer report once the collection is deleted and removed. I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease and Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : National credit Adjust {$430.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports.

Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ).

To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility.

If the information can not be verified, remove it from my credit report immediately.

Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution.

Provide me with a corrected and updated copy of my credit report.

Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law ( typically 30 days ).

Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws.

Thank you for your immediate attention to this matter. Please contact me directly at [ your phone number ] or [ your email address ] if further clarification is needed. 

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

There is an account that is being reported on my credit score. The account does not belong to me. The XXXX XXXX XXXX confirmed that they do not have any account on my name or with my SSN. XXXX   and Experian keep reporting it on my credit without following the FCRA law that requires them to have a copy of the original documentation that proves this account belongs to me and have failed to provide validation or accurate verification with 30 days after my disputes were submitted.
Product: Credit card or prepaid card

I have had my XXXX XXXX enrolled in autopay for over six months. I logged in to download my statements and my autopay information was erased. I was never notified of this. In addition, XXXX will not let me enter my checking account information ( the same account! ) to set up a new payment source. A website error continues to state that the routing number could not be verified. Again- same account that XXXX has been successfully using for autopay for over six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

It makes me wonder why does the Credit Bureaus were unable to remove he disputed items from my Credit report despite the multiple letters and complaint I have been submitting to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information and FTC 's ID THEFT REPORT I received. But despite all these, the Credit Bureaus have failed to comply with the FCRA section 605b which I highlighted on my letters. How many times do I have to inform and remind the Credit Bureaus of their obligation to comply with the FCRA section 605b? I already grew tired to disputing my Credit in a polite manner which leaves no choice but to be aggressive. I have been informing my Legal counsel about my situation and they offered to help me by taking legal action and sue the Credit Bureaus due their negligence. I am submitting this complaint to inform the Credit Bureaus of my intentions and if they still choose to not comply with the FCRA statute, my legal counsel is willing to file a lawsuit. I need the following items removed completely from my Credit File! 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Owed : {$10000.00} XXXX XXXX XXXX XXXX Owed : {$730.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XX/XX/XXXX
Product: Mortgage

My experience with Quicken Loans was the WORST possible in all the years I have been dealing with lending institutions. While they did what they said they would do the whole process was inept and poorly done. They did NOT communicate within " teams '' in fact it seemed XXXX team had no idea what the other team had done or had informed me about. Additionally I was run around on XXXX problem which was not a problem if anyone in their title department was able to think independently. This alone caused me aggravation, anxiety, and a lot of wasted time. The bottom line is as long as I have a choice I would NEVER use Quicken loans again nor would I recommend them to ANYONE. I did everything they asked in a timely manor, yet ; they managed to " XXXX '' things up and have multiple people you have to deal with making the whole situation a MESS.
Product: Credit card

The reported late payment is affecting my credit profile and does not accurately reflect the circumstances surrounding the account activity. 

The late payment reported occurred under exceptional conditions, and I believe it may have been recorded in error. I have always aimed to maintain a positive payment history with Commerce Bank, and I kindly request that you investigate this matter for possible correction
Product: Credit card

Someone saying they are calling from Chase and it is showing up as Chase Bank, XXXX is telling me someone is trying to get a credit card in my name. They have the last 4 digits of my social security and are asking me to put in something in writing with lots more information to prove it is not me that is asking for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the natural person and consumer who is reporting a credit report error pursuant of 15 U.S.C code 1681 which states that inaccurate credit reports directly impair the efficiency of the baking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Transunion failed to report an update to a direct dispute. On XX/XX/2021, XXXX XXXX XXXX submitted a dispute in regards to an account that was placed in collections. Because I was denied documentation evidence I was unable to submit any documentation evidence for this dispute. However, this dispute was submitted almost 5 months and I have yet to receive a determination or documentation in regards to this account pursuant of 12 CFR 1022.43 ( a ) ( b ) ( c ) ( d ) ( d ) ( f ). In addition this is " Past Due '' by default which is being inaccurately reported. I never had a contract with XXXX XXXX XXXX therefore monthly activity should not be reported on my credit report. The debt collection agency also reported inaccurate information by reporting themselves to be the Original Creditor with a different balance that is not being reported now. I never gave consent for this information to be reported which is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates, In addition pursuant to 15 U.S.C. 1681a ( 2 ) ( ii ) the consumer report should exclude this information I give Transunion consent to move forward with this complaint
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 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1618 Section 602 A states that I have the rights to Privacy.

15 U.S.C. 1681 604 A states a Consumer Reporting Agency can not furnish an account without my written Instruction / consent. 

15 U.S.C. 1681 ( 9 ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information other than Records of convictions of crimes which antedates the report by more than seven ( 7 ) 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: Payday loan, title loan, or personal loan

I don't have a loan with this company, they do not have authorization from me for an ACH debit. They have my information somehow and debited my account XX/XX/23, I called and was told due to technical error over the weekend my checking account was debited. I was told the money would be refunded in 3 to 5days, I also discussed possible overdraft fees due to their unauthorized debit and was told they would be in contact with my bank and cover all costs. There was follow up phone calls and emails. As of XX/XX/23 my account has nt been credited the original ACH debit of {$340.00} nor the overdraft fees of {$100.00} also due to their unauthorized and illegal debit of my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$100.00}