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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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. 

This inaccuracy is stopping me from wanting to get a new home for my family.
Product: Debt collection

I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 
2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX
Product: Debt collection

The company Velocity Investments LLC currently representing XXXX has contacted my employer ( XXXX XXXX XXXX ) asking questions about myself through a disposition. This account has been sold to multiple collection agencies throughout the years. I believe the statute of limitations has expired anllowing any further action from a collection agency or firm. I ask that you help cease and desist this firm from contacting myself or my employer. 

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

In accordance with the Fair Credit Reporting act 1. # XXXX XXXX XXXX XXXX  XXXX # XXXX 2. # XXXX XXXX XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX, Accounts # XXXX # XXXX # XXXX 4.XXXX # XXXX 5.XXXX XXXX XXXX  # XXXXExperian 6 XXXX Medical # XXXX 7.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX Experian XXXX Has violated my rights XXXX 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Debt collection

There is an agreement between XXXX XXXX and provider of ambulance service. I double checked with XXXX and was advised that I do not owe any amount above what was agreed upon, therefore was advised not to make any additional payments to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a house and when reviewing my credit score my lender discovered that my auto loan from Capital One is reporting late payments for the past 3 years on these following  dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX even though this auto loan was paid off in XX/XX/XXXX. I gave the Capital One representative permission to speak with my lender, Capital One was contacted at XXXX central standard time on XX/XX/XXXX in an attempt to resolve these false claims. With my lender speaking to the rep that was on the phone, he had attempted to escalate to a Manager. Rep had advised that there was no manager on site during these  business hours that can resolve this issue. It was stated by the Capital One representative at the beginning of this call that the call may be recorded and monitored. My lender asked for an audio version of the phone call. Rep asked for my phone number along with my Email address. My lender advised the rep that as of date XX/XX/XXXX by noon ( XXXX CST ) if no one is going to resolve this issue, we will file a complaint and make disputes. Capital One has made no further attempts to contact me via phone or email since then.
Product: Credit card

Discover has misreported a balance on a credit card that was paid close to 4 years ago. I pulled up my credit report and it is still showing a balance even though I already paid it. This has caused stress on my credit report. I 've written them a letter and disputed it on my credit report however nothing has been resolved. Please help me get this account removed or reduced to what is accurate.
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 REMOVE! 
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

Experian Inc. is acting as creditor, which is against the law. The credit reporting agency restricts investigation, indicating that they have already investigated the matter, and wo n't do it again, which is n't allowed, unless its found to be without merit, but each investigation has to judged on its own merit. In respect to Experian, there are XXXX entries on my credit report which are reported inaccurately, and a mountain of inquiries that are n't mine. The inaccuracy of credit reporting by Experian, anyone who knows any variation of your name, your actual address, and a made up social security number can access your credit report, which has happen, XXXX times on mine. Additionally when asked to verify other than by statement the accuracy of any account, Experian states that they verified it. In the last XXXX months Experian has reported an account XXXX, with account number XXXX, indicating the status, while the actual credit report in information has n't been updated in XXXX months. The Creditor reporting agency is acting as creditor for the purpose of collecting payments.
Product: Vehicle loan or lease

Exeter finance charge off account I have been trying to get this account off my credit because I believe the bank didnt report a lot of payments I made on time which I paid 26 percent of this loan. I also made 49 percent of my payment on time but it doesnt show that I made any payment on time!. Under the fair credit act, section 604 this a violation. I request for this account be removed from my account. Also affecting me from applying for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Heights Finance continues to frivolously report to all major credit bureaus late payments in a blatant attempt to make my credit suffer although they have a judgement in court against me! They are reporting late payments although they have a attorney and judgement on me a {$5000.00} loan has turned into over {$12000.00} they are adding excessive interest knowing I am the " Head of Household '' and only required to pay 10 % a check pursuant to Mo law, and therefore will unfortunately never be able to pay it back! They refuse to help or be understanding of my " low income '' and being below federal poverty levels, they love to charge 50 % interest even though they have a judgement for that it is definitely highway robbery! Shame on Heights Financial for not being understanding and allowing me a payment arrangement without the 50 % interest I have to work as self employed as I unfortunately won't ever be able to pay them back with such high interest rates and plus reporting bad to credit is so unfair!
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of these fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent accounts. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over five years. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.
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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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

Credit Inquiry on XX/XX/2019 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX This is fraud and I have requested that Equifax remove this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from west lake finiacal that I never recieved if you read the dates on the loan and call west lake finiacial they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.
Product: Credit reporting

This company serviced my student loan collection thru XXXX XXXX. At which time the servicing was transferred ( per the XXXX ) to XXXX. I paid this load off on XXXX XXXX, XXXX and XXXX XXXX is still reporting this loan as open and late. Last update was XXXX XXXX, XXXX. I disputed with Transunion because XXXX is reporting this correctly so why is Transunion Not? I have aletter from the XXXX showing this payment in full. This issue has cause substantial hardships to me is showing as Mortgage ready. On XXXX XXXX XXXX the mortgage broker I have been working with made the following comment to me. " Looks like the only issue you have is that Student Loan '.
Product: Debt collection

Raduis Global Solutions at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX says that I owe {$660.00}. When I called them at ( XXXX ) XXXX it was very sketchy. The phone didnt ring. Someone connected right away and told me I owed money. They didnt ask me for account number or phone number. They just started talking about what I owed. He repeated my last digits of my social and said that he was going to send me over to the fraud department. He never put me on hold he said nvm he cant no ones available he asked me if I wanted to call back. I said yes and hung up. This was on XX/XX/2022 at XXXX. 

I then called XXXX XXXX XXXX fraud department who I asked to look up the account number on the collections notice I received from Radius Global Solutions and they said the account no. didnt come up as any accounts. They asked me my name and said my name didnt belong to any accounts. They even looked up my email address and it didnt belong to any accounts. 

The fraud department at XXXX XXXX XXXX was concerned that this was fraud so they sent me to the mobility department at XXXX XXXX XXXX who did not understand anything I was saying but saw that I had an account in the system under my current phone number. Which Ive never had XXXX XXXX XXXX I just got this phone number a few weeks ago. Mobility transferred me to the XXXX XXXX XXXX XXXX department who said I also had a prepaid account under this phone number and but they said the account was inactive and they were not able to tell me anything else. 

Please help me. I dont want my social security number taken. Im struggling in this world as it is. I dont want to have the little bit that I have taken away from me. Please look into this. Idk whats going on. Ive never had XXXX XXXX XXXX a day in my life and I always pay my bills, I dont owe anything! And I work really hard to keep my XXXX XXXX good. Please help. 

I want this fake account close. The prepaid number I called for XXXX XXXX XXXX was ( XXXX ) XXXX. XXXX & XXXX customer service number ( XXXX ) XXXX. And XXXX XXXX XXXX fraud department ( XXXX ) XXXX.
Product: Debt collection

Midland has been contacting me repeatedly, claiming I owe them a debt. Despite my requests for them to validate this debt, they havent provided sufficient documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies TRANSUNION, XXXX  and transunion are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a cell phone account opened at XXXX on XX/XX/XXXX under the account number ( private ), and a credit account opened at XXXX XXXX XX/XX/XXXX with a balance of $ ( private ) and also a credit account from XXXX opened XX/XX/XXXX under the account number ( private ). These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dept Of EDXXXX XXXX Account Number - To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit card

Over a year ago, XX/XX/XXXX of XXXX, I made a {$700.00} payment on a credit card issued by Comenity Bank, a card I had been using for a number of years. I shortly discontinued the card with Comenity Bank and paid off the remaining balance. Comenity Bank claimed at the time and subsequently, that I had not made that {$700.00} payment. They could not find the check, apparently. Finally, after I had sent them proof of Comenity receiving the payment digitally from my bank here in XXXX, Va., Comenity Bank sent me a letter, dated XX/XX/XXXX of this year, acknowledging the payment had been made, a letter I will attach to this complaint. While communicating with Comenity Bank about this dispute, they have continued to send me statements claiming I still owe a balance of {$680.00} on this credit card account, despite their dispute department sending me the letter indicating I was not responsible for the questioned payment of last XXXX. I will also attach the last letter I sent to them about this issue. Also attached will be their latest statement sent to me in the past few weeks. In short, Comenity Bank continues to send me statements for an account that has since been closed and by their own admission I am no longer responsible for any balance. 
The address I have used to communicate with Comenity Bank is on the letter I have attached : Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX The payments made are sent to a different address in Texas : XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a application to PayPal for a extension of credit on XX/XX/2023 and I was denied on XXXX XXXX for a extension of credit I reached out to PayPal to see why was I being denied my right to extend credit and I was told that I would be mailed/emailed a reason for my denial
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they haven't responded in over 30 days.