23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15 USC 1681b : ( a ) In general : Consumer reporting agencies may furnish consumer reports under the following circumstances : In response to a court order or federal grand jury subpoena. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person that the agency has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
To a person that the agency has reason to believe intends to use the information for employment purposes. 
In connection with the underwriting of insurance involving the consumer. 
In connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. 
For a legitimate business need in connection with a business transaction that is initiated by the consumer. 
To review an account to determine whether the consumer continues to meet the terms of the account. 
To determine a consumer 's eligibility for a pre-screened offer of credit. 
Practical Implications : Permissible Purposes : Consumer reports can be obtained and used only for specific and permissible purposes as outlined in the statute.

Written Consent : Consumer reporting agencies can provide a consumer report if they have the written instructions or consent of the consumer.

Credit Transactions : Information may be furnished to persons involved in credit transactions, including the extension of credit, review, or collection of an account.

Employment Purposes : Consumer reports may be used for employment purposes, such as in the hiring process, with the consent of the consumer.

Insurance Underwriting : Information may be used in connection with the underwriting of insurance involving the consumer.

Governmental Benefits : Consumer reports may be used to determine eligibility for licenses or other benefits granted by a governmental instrumentality.

Legitimate Business Need : Reports can be obtained for a legitimate business need in connection with a business transaction initiated by the consumer.

Account Review : Consumer reports may be used to review an account to determine if the consumer continues to meet the terms of the account.

Pre-Screened Offers : Reports can be accessed to determine a consumer 's eligibility for pre-screened offers of credit.

It's important for businesses and entities that request consumer reports to ensure they have a permissible purpose under the FCRA and comply with the law 's requirements. Consumers also have rights under the FCRA, including the right to know who has accessed their credit report and for what purpose.
Product: Credit card

I am writing to request specific information regarding the account referenced below. I am not disputing the account ; I am requesting clarification and verification of the following details for my records : Account Information : Account Number : XXXX Account Type : Credit Card Requested Information : The date of first delinquency on this account. 
The date of last payment made on this account. 
The date of charge-off, if applicable, for this account. 
I kindly request that you provide this information at your earliest convenience. This will assist me in understanding the status and history of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. Experian refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be removed immediately.
Product: Credit reporting or other personal consumer reports

Transunion website is not functional can not reset passwords and no one ever answers the phone and chat
Product: Debt collection

My credit report is constantly under attack. XXXX XXXX was just returned to my credit from my last complaint. As soon as it was returned my account was hit with XXXX XXXX for a medical bill collection that I have no knowledge of. Also Im a retired XXXX XXXX I have great insurance I have no knowledge of this bill why was it submitted to the credit company without being sent to me, I could have submitted any bill to my insurance company for payment. I feel like im under attack by the credit bureau because of my complaint.
Product: Debt collection

I have an old credit card debt that is with a debt collector and I have been paying on it for the past year or so. I have missed a few payments. So I wrote to the company and asked for my balance in writing only through email or US mail. They still attempted to call me. And they did receive my letter because I received a response back stating they received it and asking me to contact the office. At this time I want no verbal communication with the company only email or US mail. I would like to get the account taken care of so I need the information which is my balance that's all. And they do not list the information on the website but will glady take a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to recent media attention on hacks on the american public I pulled my credit report and seen a account that was not mine and that was not authorized below is the account that is not mine as well as inquires and addresses I've never been associated with. 

Account Name : XXXX XXXX Balance : {$230.00} Account Type : Collection below are inquires on my credit report i've never authorized these inquires from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My credit report says " LAUNCH SERVICING LLC '' reported a new account with late payments of {$10000.00} that I don't believe I have. They reported that on XX/XX/year>, and didn't say how much total is owed in the account, just that I'm late on {$10000.00}. It honestly all sounds pretty fishy. I will also note that I had my wallet stolen with a copy of my social security number in it and all my credit cards back in XXXXXXXX XXXX XXXX. I called the police and knew who did it, a XXXX XXXX, but no one could help me recover it. They used my credit cards and I canceled and disputed those charges. 

I've already made this consumer statement with XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. '' but they didn't remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted by mail Equifax 6 times since XX/XX/XXXX. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I disputed ( 2 ) Public Records on my credit report as inaccurate information. XX/XX/XXXX Report # XXXX  ( see attached ) the name of the courthouse is displayed a US Marshall. Equifax failed to investigate my claim. Instead, they updated my report with a completely different name of a new courthouse which is clearly a violation of FCRA The items should have been deleted. I have sent in letters ( see attached ) to ask Equifax to send me a aethod of verification for which the items in dispute are verified. I received copies of several credit reports stating " Verified ''. The law was clearly violated.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records.

Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report the date on the credit report is XX/XX/XXXX, neither will they ever be by them.

They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. I have attached a copy of credit reporting letter from U.S. Bankruptcy court.Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Lastly, on all my credit reports from Equifax it has reported by XXXX XXXX on my reports. I have a letter confirming that Lexis Nexis is not reporting any public records in my name. I am concern that Equifax have constantly ignored any attempts to investigate my dispute. XXXX XXXX have reached out to Equifax as well on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to see why my account has not been updated since XX/XX/XXXX. I spoke to a account Rep named XXXX he gave me the ticket # XXXX XXXX XXXX sent on my behalf to Equifax. My information was sent by XXXX XXXX to Equifax electronically yet they have denied ever receiving any information. My credit reporting under my social security number need to be 100 % accurate. Anything less is subject to a deletion. Equifax have ignored my several attempts to correct my information. I am inquiring your help.
Product: Credit reporting or other personal consumer reports

A data breach at XXXX XXXX, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced byXXXX XXXX XXXXXXXX An unauthorized party apparently a ransomware group known asXXXX accessed the customers ' information through XXXX XXXXXXXX XXXX  system, notXXXX XXXX XXXX XXXX, according toa letterXXXX XXXXXXXX sent to affected customers, publishedby Maine 's attorney general.XXXX XXXX XXXXprovided standard two-year identity theft protection to the affected customers. 

The breach occurred XXXX XXXX, according to the letter, and XXXXXXXX XXXX notifiedXXXX XXXX XXXXabout the breach on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft which results in unknown items and information on my credit report.
Product: Mortgage

To Who it may concern, Ive been in bankruptcy since XXXX and my case was dismissed due to job loss. I filled out paper work with CitiMortgage in XX/XX/XXXX since I sent all my Doctuments since XX/XX/XXXX then they kept asking for other paper work and its an ongoing thang with CitiMortgage all I want is my loan modification if Ill be getting the help or not, my Point of contact has been telling me I qualify for the best loan mod but there is always an issue they never get my paper work or something is always missing. I have all the paper work I scanned and email or faxed I JUST CANT LOSE MY HOUSE
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), Please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020
Product: Checking or savings account

I have repeatedly asked Bank of America to cancel the two {$30.00} stop payment fees on two checks each one for {$54.00}. I went to its branch in XXXX, New Jersey. I spoke at length to the branch manage in XXXX, New Jersey who was none to friendly or kind. It is unjust and usurious to charge me {$30.00} to stop a {$54.00} check! The branch manager said " We do not have a sliding scale. '' Ridiculous! The Bank of America should. Am I to be told that there would be a {$30.00} stop check fee for a {$5.00} check? Or a {$30.00} fee for a {$2.00} check? 

Furthermore, the two checks were to the a court of law that failed to process the check and so I cancelled payment of the checks! 

I am willing to pay something but not {$30.00} per check and I made that abundantly clear repeatedly to the branch manager who paid me no mind! 

Outrageous! 

The Bank of America may not cancel my accounts because of my complaint as that would be obstruction of justice and interference with the administration of government. Both are felonies under the law! 

XXXX XXXX, XXXX. XXXX. 
XXXX XXXX  XXXX ( XXXX  )
Product: Debt collection

Illinois Collection Services has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my XXXX  private information including medical record number and date of a XXXX  XXXX. I have never signed a contract with this corporation & have no idea how they gained access to our personal private information. My request has gone ignored for a month now & I am enforcing the law. A notice of default has been sent to the company via certified mail.
Product: Debt collection

Pursuant to 15 USC 1681 a ( 2 ) congress make it clear that a Consumer report does not contain any transactions or experinces. Congress make it clear that I have a right to PRIVACY as a Federally Protected Consumer! You Continue to Violate and disrespect my right to privacy which is a direct Violation of the FCRA and gramm-Leach-Bliley act ! I did not Consent or authorize for you to share my nonpublic personal information. Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXXhree Bureaus, XXXX, XXXX, and Equifax.
Product: Debt collection

XXXX is reporting a debt collection account on my report from HUNTER WARFIELD INC. This company never contacted me or reached out to me to properly verify that this debt is mine. I actually found out about the collection account when pulling my credit report. I also noticed on my report that this collection is being reported as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX failed to properly investigate an inquiry about whether or not a debt is valid. I have supporting documentation that shows my account number with XXXX XXXX XXXX is in fact not reporting correctly. I have enclosed my first and last account statements from XXXX XXXX XXXX that show a different account number than what is being reported to my credit reports from Transunion, XXXX, and XXXX. The proper account number according to my monthly statements from XXXX begins with a XXXX  instead of a XXXX. I attempted to get XXXX to verify this debt, however they replied to you all on XX/XX/XXXX, saying that they will not be verifying any debt ( I have also enclosed this letter that is reflecting the wrong account number beginning with a XXXX  ) I have also enclosed my complete credit reports from XX/XX/XXXX, along with screen shots of the entry from XXXX XXXX XXXX, which reflect my account number beginning with a XXXX. According to the FCRA Section 611 the reporting agencies were supposed to hold a reasonable investigation of my report, and they clearly did even verify the accuracy of the debt because all 3 credit bureaus are reporting the wrong account number. It is their responsibility to completely delete XXXX XXXX XXXX off of my credit report because the account is not and never was reporting accurately. It is my right to have information reported accurately and in a timely manner. This brings me to my second issue. On XX/XX/XXXX, I made an agreement to pay off the debt with the 3rd party debt collector for XXXX XXXX XXXX , XXXX XXXX XXXX, and payment was made. I have attached the settlement letter ( which includes an account number beginning in XXXX ), along with my bank statement reflecting the {$2600.00} coming out of my bank account. According to my updated XXXX  credit report from XX/XX/XXXX, my credit report does not reflect the account is settled. It only reflects the payment in the amount of {$2600.00}. My credit report is currently showing a balance owed of {$6200.00}. Today, XX/XX/XXXX, I called XXXX XXXX XXXX to confirm that the debt was in fact completely settled, and they did confirm this fact to me. It is my right as a consumer in the United States of America to have information reported correctly on my credit report, and the fact that it is not, is severely effecting my ability to obtain credit. At the very least, the balances should be {$0.00}. According to the law, my report should be accurate, or be deleted. The correct account number on my credit report is not even being reported correctly. This is gross negligence by Transunion, XXXX, and XXXX, who have claimed the " verify the debt '', I demand that this be corrected immediately. The XXXX XXXX XXXX entry on my credit report should be deleted from all 3 of my credit reports with haste.
Product: Credit card

I have had repeated problems with PayPal, which has twice now issued me their credit cards without my knowledge or consent ( including a XXXX one now after having directed them to cancel a prior one ). They then link their unwanted credit card to my PayPal account, and make it the primary means of payment. Generally I am able to avoid using their card by switching the payment to my " real '' ( XXXX ) credit card, but I need to remember to click on my XXXX credit card each time I make a purchase, and occasionally I forget. 

The amount I owe on the card is modest ( less than {$50.00} ) but I find this business practice to be deceptive and if it is n't illegal it certainly should be. ( They basically are tricking consumers into using a credit card that the consumer never asked for or agree to have ). I would appreciate you looking into this on my behalf and on the behalf of all consumers. 

Thanks, XXXX
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 Bank # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 XXXX 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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance {$37000.00}.
Product: Credit card or prepaid card

ON XX/XX/2023, I CALLED AVANT CREDIT CARD COMPANY TO PAY MY BALANCE IN FULL. I WAS INFORMED THAT I NEEDED TO PAY {$470.00}. I PAID THE BALANCE AND WAS TOLD THAT I HAD A {$0.00} BALANCE. ON XX/XX/2023, I CHECKED MY CREDIT REPORT AND FOUND THAT AVANT STATED THAT I OWE THEM {$3.00}. I CONTACTED THE COMPANY AND INQUIRED. I WAS TOLD THAT THE {$3.00} WAS INTEREST. AVANT PLACED THIS INTEREST ON MY ACCOUNT ON XX/XX/2023. I REQUESTED THAT THEY REMOVE THIS BECAUSE ALL INTEREST STOPPED WHEN THE BALANCE WAS PAID. AND, THAT THEY INFORMED ME OF THE PAYOFF BALANCE. I PAID WHAT WAS TOLD AND THAT THEY SHOULD REMOVE THIS INTEREST. THEY COULD NOT EXPLAIN TO ME HOW THE INTEREST ACCUMULATED ON A {$0.00} BALANCE. I SPOKE WITH XXXX, SUPERVISOR. SHE REFUSED TO REMOVED THE INTEREST AND I REFUSE TO PAY MORE MONEY WHEN THE ONUS WAS FOR THE AGENT TAKING THE PAYMENT TO PROVIDE THE PROPER PAYOFF AMOUNT.
Product: Debt collection

Merchants Adjustment Service, doing business for XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.