23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I accidentally made a payment to the wrong credit card. When I went to call Wells Fargo to cancel the payment I made in error, they told me there was absolutely no way to cancel a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled CREDENCE RESOURCE MANAGE Account # XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt or credit management

Albert Genus is charging me {$12.00} a month for nothing - i've canceled this back in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : Applied online, given error code NH, told to call, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company
Product: Payday loan, title loan, or personal loan

I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1000.00}. APR is 654.12 % with a total finance charge of {$2400.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/2018. Most recent payment made was XX/XX/2018 and the last payment is scheduled for XX/XX/2018. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, I don't believe that Amplify Funding can legally still collect in Florida since they are governed by a Tribal Lending Authority in another state. Loan agreement is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested and received a copy of my detailed Credit Reports from all three major Credit Bureaus : XXXX, XXXX, TRANSUNION. 
After reading through my credit files produced by TRANSUNION, I have found multiple credit " hard '' inquiries. The main reason of my Complaint today is that ONLY the TRANSUNION produced Credit Report showed multiple " hard '' credit inquiries. These type of credit Inquiries have a harming impact on the Consumer 's Credit Scores, in other words, credit worthiness. However, these informations are not present ( not found ) in the other two major Credit Bureaus ' XXXX and XXXX produced Credit Reports. 
In other words, both Credit Bureaus, XXXX and XXXX Credit Reports shows ZERO Credit Inquiries in my Credit Files. The only exception is TRANSUNION. I submitted a Complaint Letter to TRANSUNION but I only received a pre-typed and copied, generic letter as their response. I do not give my personal permission to companies to look into my Credit Files. Both XXXX and XXXX   are lacking to report what TRANSUNION does. I demanded an ANSWER, but again, I received nothing but a pre-typed and copied letter. Therefore, I am submitting this Complaint against TRANSUNION demanding a sensible answer as to WHY only THEY show harmful Credit Inquiries and while the other two major Credit Bureaus do not. I also concluded the following : The primary reason - compare to the two other Credit Bureaus - is WHY my Lenders used FICO Credit Scores produced by TRANSUNION are SIGNIFICANTLY lower compare to XXXX and XXXX, is because of these reports causing negative impacts on my hard-earned and high credit scores reflected with XXXX and XXXX. 
To demonstrate the sharp difference in my Credit Scores, as of today, XX/XX/2019, my points are as follows : XXXX : XXXX points XXXX : XXXX points TRANSUNION : XXXX points -- 55 points LESS than XXXX and 36 points less than XXXX! 

Thank you very much in advance for your help in this matter. 
Respectfully, XXXX XXXX Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount * last verified date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT FILE AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. THE ACCOUNTS THAT I AM DISPUTING MUST ALL BE FRAUD RELATED. I TRY MY BEST TO KEEP THIS TYPE OF THING FROM HAPPENING TO ME BY BEING EXTRA CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS CAUSED A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice be it to all in Fact, I am a federally protected consumer pursuant 15 usc 1681 ( a ) ( 4 ). Notice in Fact, I have never signed a contract or a PROMISSORY NOTE WITH CREDIT CONTROL CORP. Notice in Fact, I believe this company to be a 3rd party debt collector. As such I demand to see a receipt of purchase giving CREDIT CONTROL CORP legal jurisdiction to collect any alleged debt they may claim I own past present or future. Pursuant 28 usc 8 ANY and ALL certificates of indebtedness and or bills are the obligation of the United States not the consumer. These accounts being reported on my consumer reports are a clear violation of XXXX usc 1681b as I have never given my written or oral consent for these items to be furnished. This violation is punishable of {$1000.00} per violation pursuant 15 usc 1692k. I DEMAND that these items be removed from my consumer reports OR send me a check certified mail for every minute that each item has been on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.
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 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 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 a victim of identity theft and XXXX XXXXXXXX XXXX XXXXXXXX is a fraudulent account reporting to my credit. I have attached an FTC report along with utility bill, SSN card and drivers license. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXXXXXX XXXX XXXX XXXXXXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXXXXXX XXXX XXXXXXXX is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXXXXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXXXXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXXXXXX XXXX XXXXXXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Credit card

Sometime in the XXXX to XXXX week of XXXX, 2016, I applied for the Sam 's Club XXXX. On XXXX/XXXX/2016 I received a response from Synchrony Bank stating that they were denying my application due to the following reason : " BANKRUPTCY PROCEEDING, CREDIT COUNSELING OR CREDITOR SETTLEMENT ''. I have reviewed the latest copies of all three of my credit reports and none of them reflect any of the above whatsoever. I do not have any bankruptcies, nor have I had any credit counseling or creditor settlements. I monitor my credit reports monthly so if any such information was present I would know about it. I wrote Synchrony Bank a letter on XXXX/XXXX/2016 asking that to please either provide the " current '' credit report that shows this information or to please reconsider my application. I never got any response from Synchrony Bank. It seems very unfair to have a financial institution use inaccurate information against me in determining my financial creditworthiness. I even wonder if it is legal for them to state such reasons which are simply not accurate according to all XXXX of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to Equifax to remove a fraud alert that I DID NOT ask to be placed. On XX/XX/XXXX Equifax removed the fraud alert and ( see enclosed ) placed an extended fraud alert on my file. This is is malicious in nature and I plan to prove this in court. Please remove the following items from my credit report per FCRA since they were not investigated within the 30 day provision ... 

XXXX XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Our mortgage was sold to another company and the transfer took place in XX/XX/XXXX. Our city and county taxes, which are payable separately, were both due in mid-XX/XX/XXXX. I noticed that the taxes hadn't been paid when I saw my XX/XX/XXXX statement. I called the mortgage company and brought this to their attention. The person on the phone told me since they had transferred the loan, they had 90 days to pay it. I received a letter from the mortgage company on XX/XX/XXXX saying they wre working on the problem. What problem? I received a letter from the Delinquent Tax Unit of the county on XX/XX/XXXX. This notice stated the taxes were to be paid 30 days of from that date or they would execute a FiFa, which would result in a lien against our property. I sent a copy of this notice along with a letter stating the problem to the mortgage company through U.S.P.S. The mortgage company responded via letter through U.S.P.S. stating that they paid the tax ( but it was only the county tax that was paid ) along with penalty fees. They put the blame on the previous mortgage company. I contacted them again by phone telling them the city taxes were still not paid. No one could give me an explanation as to why they were not paying the taxes. I received a form letter from the mortgage company same as the one I received before. Not specifically addressing the problem and referring me to the owner of our loan with an address in Washington, DC. I did not write to this address. I can't remember the dates, but somewhere between e-mails and letters I made phone calls as well. In addition to not paying our taxes, we were not receiving our monthly statements by mail or e-mail. This problem seems to be sorted out. I contacted the City and explained the problem, hoping to stop liens against the property. The tax person at the City offered to speak to the mortgage company if I would get them on the phone. I called and waited on hold for about 20 minutes. Finally we gave up and the clerk had the idea to call the company who handled the tax payments. They had not record to this date of being instructed to pay the City. They said they could not pay without instruction from the mortgage company. They are an outside contractor. I received a notice of intent to issue FI.FA from the City on XX/XX/XXXX. I e-mailed this document to the mortgage company. I received another form letter same as the last one, dated XX/XX/XXXX. In the meantime, the mortgage company has deducted PMI from my escrow three times this month. I sent an e-mail via their website bringing this to their attention. They deducted an even higher amount for PMI a third time. Is this even legal? One of the deductions in XX/XX/XXXX shows the due date as XX/XX/XXXX, but I checked back on the statement and the deduction was taken in XX/XX/XXXX. I sent an e-mail to the mortgage company giving them the contact name and number for the person in the City Tax office. I told them there was no excuse for this terrible customer service. I threatened to get a lawyer involved. Apparently that didn't work. Taxes are still not paid.
Product: Checking or savings account

XX/XX/XXXX a XXXX payment from XXXX XXXX was frozen ( actually the entire account was frozen ) due to this person saying the transaction was fraud. I contact capital one. I advised I have all the evidence from the person who sent the money that it was not fraudulent. I even have a message from him saying he told his bank to pull the transaction complaint back and yet capital one still paid him back the XXXX and closed my account completely. How can they give money back to someone who agreed it was not fraud and their bank asked for it to no longer be disputed? 

I want my money back as it was an authorized transaction from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

have contacted all companies : Equifax, XXXX, and XXXX, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. 

They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ).

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have been added in several data breaches : 
Data breaches : Review the data potentially exposed in 10 breaches : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have missed XXXX and XXXX on my capital one credit card due to a hardship of health related issues. I haven't missed a payment in the past 3 years as a customer and would just like a forgiveness for the mossed 60 day payments.
Product: Credit reporting

All of the following credit breaus has been allowed and continues to allow resubmission of unproven credit claims against consumers credit files. This should be illegal for them to continuously do with no check and balanceses.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB should you continue in your non-compliance. I further remind you that, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days. This agency is in violation of As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for:1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C SEC 1681 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 an account without my written instructions
Product: Debt collection

I am filing this complaint regarding a collection account, Account number XXXX in the amount of {$1600.00}, that has been reported on my credit reports by Sunrise Credit Services. According to my credit report, this account was opened on XX/XX/year>. 

I have not received any prior notice from this company, nor have I been provided any documentation verifying the validity of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation and to dispute inaccurate or unverifiable information appearing on my credit reports. 

Despite this, Sunrise Credit Services has reported this debt to the credit bureaus XXXX, XXXX, and XXXX  without providing any communication or verification to me as the alleged debtor. 

At this time, I am requesting the CFPB to investigate Sunrise Credit Services reporting practices and ensure they are in compliance with federal laws. I would like the following information from them : 1. Documentation showing I owe the debt, such as a signed contract or agreement ; 2. A full breakdown of how the {$1600.00} amount was determined ; 3. Proof they are authorized to collect on or report this alleged debt. 

Since I have not been contacted or given the opportunity to validate or dispute the debt before it was reported, this is a serious concern and is negatively impacting my credit. Please assist me in addressing this matter. I am requesting that this item be removed from my credit reports unless proper validation is provided.