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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Prepaid card

On XX/XX/year> my car was broken into. They stole my phone and wallet. In my wallet I had my ID and cards on all my card I have pins on the back. I just recently file a claim so I had money on it. I guess they look in my phone which I dont have a password on and in my notes are my pins and logins to my bank accounts. I have condition called XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I dont remember things I have everything written down and no passwords. So I guess they took the phone look through all of it and got what they could. just today XX/XX/year> got a new phone to check on all my accounts and everyone its money missing or completely gone. I filled a police report XXXX. Please help I need the money for bills please. My daughter is sick I need the money. My claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for debt validation to the creditor, portfolio Recovery on XX/XX/XXXX. They have not responded and it has been over 30 days. As per FCRA ruling they have 30 days to respond to and request for validation or the account must be removed from my credit report immediately. Portfolio Recovery has failed to respond in the allotted time and I am requesting that the account be removed from all my credit reports entirely. Attached is my original documentation of the request for validation dated XX/XX/XXXX along with the receipt for the mailing postage. Please remove the accounts portfolio recovery, from my XXXX, XXXX and XXXX Reports. DO NOT RESPOND TO THIS WITH A NOTICE TELLING ME THE ACCOUNTS ARE VERIFIED. The verification request was sent to the creditors and ignored past the 30 day ruling of the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

Williams & Fudge Inc. Has performed 4 ( Four ) Hard Inquires on my credit report, according to XXXX . All inquiries were not authorized for as I'm not currently conducting the business of any kind with this agency. 

Their unauthorized inquired continue to harm my creditworthiness as I'm currently rebuilding my credit and these tactics will continue to prevent me from successfully gaining a healthy credit status on my record. 

Inquiry # 1 - XX/XX/2019 Inquiry # 2 - XX/XX/2019 Inquiry # 3 - XX/XX/2019 Inquiry # 4 - XX/XX/2019
Product: Debt collection

XX/XX/2020 - call from unknown number threatening to come to my house or job. 
XX/XX/2020 - call from unknown number threatening to come to my house or job. 
XX/XX/2020 - call from unknown number threatening to come to my house or job.
Product: Checking or savings account

I opened a WSFS checking account for my taxes when I opened it. But the person doing my taxes did something else with my information my account was frozen money was put in & took out of my account they said they put it in as a compromised account. But now its on my credit as a closed account
Product: Credit card or prepaid card

Est XXXX Netapend XXXX XXXX XXXX Deposit held for XXXX {$35.00} negative balance on other card was told it would take 2-3 Business days for resolve. Spoke w CSR on XX/XX/2021 after unlocked account was never told account was locked due to negative balance. Fastbfwd 2 weeks account locked unable to access funds from XXXX XXXX Deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to SALLIE MAE BANK INC and notify them of their error posting of information on my report. I requested for Method of Verification but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints regarding the reporting of my XXXX XXXX account, ending in XXXX. Since the bank refuses to remove the account from my reports, as they promised to, if I paid in full. I have since paid in full but now they will not remove the account. Since the account will not be removed from my report, I would at least like for it to reflect correctly. This account is no longer in collections, has it is stated on my report. I have PAID IN FULL. However, the account status on my report still say collection/chargeoff. I would like to have the account status to reflect " closed/paid ''
Product: Credit card or prepaid card

I had changed my card number at Zions Bank for a security issue and somehow companies I no longer do business with have obtained the new card number ending in XXXX without my authorization. 

XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX NY {$21.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CA {$18.00} In addition, the card number was obtained by XXXX XXXX XXXX XXXX without my authorization. I wish to continue to receive this subscription. 

Zions Bank, XXXX XXXX XXXX, UT claims they did not give the number out.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX XXXX XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of account ( s ) below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. PORTFOLIO RECOVERY - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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

First progress credit card I never open this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX BANK XXXX, XXXX CARD XXXX, CALIFORNIA XXXX XXXX XXXX
Product: Checking or savings account

Deposited an insurance settlement check from XXXX on XX/XX/2023 to my Wells Fargo checking account for {$2800.00}. I was told it would be on hold until XX/XX/XXXX pending verification of the availability of the funds. On the XXXX I was given an alert that the funds are not available due to either a problem with the check, insufficient funds or a canceled check. They told me to contact the issuer of the check. 

I did and XXXX confirms the check is valid. Wells Fargo then informed me that the maker of the check XXXX XXXX XXXXXXXX communicated to Wells Faro that there is a risk associated with the check and it has to be on hold until the XXXX to attempt again. However, they are not required to provide any details. My account at Wells has a " pledge '' placed on it by their Loss Prevention Department, as a result. 

XXXX XXXX XXXXXXXX will not provide me with any information that justifies their actions to refuse to fund this legitimate check. There is no problem with the check. Wells Fargo tells me that you are the regulating agency that I need to go to in order to hold the people who made this erroneous action accountable. I have spent a lot of time being given the run around by the banks who often hang up on me after a long wait, and then I have to start the process all over again. I want compensation if its proved they did this without a legitimate basis.
Product: Credit reporting or other personal consumer reports

I am writing to report an XXXX XXXX issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my fi le. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX  Account XXXX  XXXX amount XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Amount {$750.00}, XXXX XXXX Account XXXX  XXXX Amount {$540.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account {$23000.00}, XXXX XXXX XXXX # XXXX, XXXX Inquiry on XX/XX/2022XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco XXXX XXXX XXXX XXXX, WAS NEVER AUTHORIZED XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX  BOTH WERE NEVER AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX was never authorized
Product: Debt collection

1. What happened : I called Bank of America to ask for help with your credit card payments. 
They offered a program to lower your payments, but they didnt tell me that my credit card would be closed. 
I found out the card was closed when it got declined, even though I had just made a payment. 
I have called them several times and request to reopen the card so I can make a payment and use it but always they say the same thing that I have to reapply. Now they been calling me almost every week and leading voicemails that I have to make the payment before it goes to collection. And it also effecting my credit so badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent affidavit to Experian to remove unverified information on my credit report without my consent. Experian violated code U.S. Code 168b ( 2 ). Experian violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, Provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 16811 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit.
Product: Debt collection

On XX/XX/2019, I faxed to TJX Mastercard Synchrony Bank a signed and notarized Power of Attorney document so that I might settle my mother 's outstanding debt. My mother is suffering from XXXX XXXX and requires additional health care. I am trying to settle her debts so as to free up funds to support her additional health care needs. TJX Mastercard Synchrony Bank will not accept the POA document and continues to request my personal information including my social security number and date of birth. As I am not legally responsible for my mother 's debt, there is no legal reason for requesting this information and hindering the settlement process. By not accepting my POA, they are purposely worsening my mother 's credit. I sent additional information regarding my address on XX/XX/2019. TJX Mastercard Synchrony Bank continues to ignore the POA and my requests to settle my mother 's account. No other credit card company has requested my personal information. They accepted the signed and notarized POA and work with me to settle my mother 's debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Called numerous times and asked why I cant get my credit reported or even a time table of when my payments ive made can be reported.My Account was bought about a year and month ago and still no time table of when my payments can reported to the credit bureau
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

I am a XXXX XXXX XXXX XXXX XXXX member, I went to XXXX my loans are commercial XXXX loans. I have had the loans since XXXX was paying on then until XXXX when they put me in forberance. They recently paid off my Loans. Due to the law suit, however they refuse to refund me over {$20000.00}, I never used my degree as XXXX misrepresented themselves in helping me get a job in my field. The degree is useless. I paid out all that money for nothing, When you pay for goods you expect to be able to have use of these goods. XXXX is on the list of schools of Misconduct and therefore I should be entitled to a full refund. I recently read that Navient is paying back private loans. My loans are commercial XXXX loans and backed by the Federal government. Therefore, I also should be allowed a refund for a school that mislead me. I was paying on my loan for over 18 years, with some forbarence in there. It is wrong for Having to be paying back some loans from misconduct schools and not all. I am great full the loans are Gone off Navient and the student loan website, but I am out all the money I paid with nothing to show for it.
Product: Credit reporting or other personal consumer reports

According to the Consumer Report received on XXXX XXXX, 2024, there are inaccuracies on the consumer report. ChexSystems is continuing to report non-mailable address information. I have previously attempted to correct this information with ChexSystems , Inc. directly per their website in XXXX, XXXX, and again in XXXX of 2024, however, ChexSystems , Inc. continues reporting false and inaccurate information on my consumer report. 

Immediate deletion of the inaccurate non-mailable address is made.
Product: Debt collection

XXXX  XXXX  is the company I hired to help with my pest control and they promised a lot of things and didn't do well. I still had a lot of bugs and mosquitos but I paid them. Yet they sent me to collections of {$78.00}.
Product: Credit reporting or other personal consumer reports

XXXX knowingly generated false reports today XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my personal information was exposed in a national data breach, and after reviewing my credit report, I noticed several unfamiliar accounts that I do not recognize. I have contacted the credit reporting agencies ( CRA ) to request validation of these debts ; however, I have not received the necessary information due to the exposure of my personal data during the breach. As a result, I have filed a complaint with the Federal Trade Commission ( FTC ) to report the unauthorized accounts and potential identity theft. I have included several supporting documents with this communication, including the FTC complaint, a copy of my ID, my Social Security card, a XXXX XXXXXXXX XXXX XXXX XXXX XXXX  report showing my information was exposed, and the debt validation letter. I am taking steps to resolve this issue and protect my identity, and I would appreciate your assistance in verifying these accounts and ensuring that any fraudulent activity is removed from my credit report.
Product: Debt collection

On XXXX 2017 my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of { {$3100.00} } to credit bureaus. These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that I do not owe and was told by the property manager that nothing was owed. I feel this violates the safe collections practices and it does violate FDCPA. With this being on my credit report it is affecting my approval and credit score. Additionally, this collection agency may not have the authority to collect on said alleged debt. I want this removed off all three of my credit reports