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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of the Inaccuracy : I checked my credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Iowa XXXX RE : My TransUnion letter dated XX/XX/2021 ( attached ) I need help with my TransUnion letter indicating that my Police Report is not valid. I have unsuccessfully tried through correspondence with TransUnion to understand the reason why they are claiming ID theft Report not valid. 

To help understand, I am enclosing my filed Identity Theft ( Fraud ) Police Report from the Fate, Texas Department of Public Safety that describes how my personal information was stolen, accounts/credit cards were opened in my name, and those accounts were fraudulently used. 

The enclosed Police Report has two assigned Officers -- Officer XXXX badge number XXXX and Officer XXXX badge number XXXX. The Report lists the Reviewing Officer as Officer XXXX badge number XXXX and a Records Officer as again Officer XXXX badge number XXXX. 

Please note that within the letter from the detective who is now assigned to the case, it states that this police report was filed with the Fate DPS and is assigned to Detective XXXX. 

Is this enough information to make my ID theft Report valid? 

If it does, please somehow let TransUnion know that my Police Report is really valid. 

I have also tried unsuccessfully to dispute the following TransUnion reported fraudulent accounts that were opened without my consent or knowledge : XXXX. XXXX XXXX XXXX Account XXXX XXXX 2. XXXX XXXX Bank Account XXXX XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX Similarly, I am enclosing my completed TransUnion Identity Theft Victim Assistance Affidavit. Please note the same officer, Detective XXXX XXXX, is the same officer that has signed the Affidavit. 

If you can, please ask TransUnion to accept my Police Report as valid and remove the above fraudulent accounts from my TransUnion Credit Report. 


You may contact me at XXXX XXXX XXXX XXXX, if further information is needed. 

Thank you. 

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

The reason for my complaint is I had an open credit account with a store named XXXX XXXX via XXXX XXXX that account was always in good standing and as of XXXX XXXX 2017 my credit score with equifax was XXXX and it was over XXXX with XXXX. What happened was that XXXX closed my account due to XXXX going out of business not because I did anything wrong with my credit line. Subsequently what happened was my numbers dropped 48 points for something that was out of my control. It hurt me because I am currently attempting to acquire a home. I have sent those agencies emails in regards but I have not heard anything back from anyone to fix my numbers to where they were.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the list of corporations/accounts Below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602a States I have the right to privacy. 

XXXX XXXX for {$650.00}. 
XXXX XXXX for {$1400.00}. 
XXXX XXXX for {$750.00}. 
XXXX XXXX XXXX for {$880.00}. 
XXXX XXXX XXXX  for {$100.00}. 
XXXX XXXX delinquent account. 

15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions or consent.

15 USC 1681 C ( a ) ( 5 ) States no consumer reporting agency may make a consumer report containing any of the following items of information.any. adverse items of information other than records conviction or crimes antedates by the report by more than 7 years.

15 USC 1681 s - 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

Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
Product: Payday loan

I ask the sun loan to stop posting late notice on my fence so my neibors would no know issue. I advised them XXXX of my neibor had read XXXX of the notice. I would work on repaying them as soon I got another job. and also as how to stop the interest from going up more. Also stop calling my familey and adviceing them of my money issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint. 

Equifax Cease and Deisit this communication and stay out of my personal and private life and space.

You have no rights to be sending me any such email as such. If you do then provide in your response the regulations to support this request and provide anything from such a business that thinks they have the rights and the obligations to get what you are trying to get me to consent to. I will not give you any such consent. Now produce to me where it takes that I have to consent for you to do whatever. 

Provide me with your legal counsel 's name, address, and phone number so that I can place a call directly to such person 's office. Now honor this consent to get your legal counsel of record contact information.
Product: Debt collection

Midland Funding has been calling me using automated dial services. They call me from numbers that appear on my caller ID as " Unknown Name ''. They never leave a message and call constantly.I have asked them to stop harassing me but the automated service does not seem to take this request. Midland has also misreported my account information which shows the same account duplicated but with slightly different amounts owed, account number and dates. I have asked them to review but they will not correct this issue. The account numbers are always blocked or unavailable. I have disputed this with credit reporting agencies to no avail. The original creditor was XXXX XXXX. I only had one XXXX XXXX account open at the time of this debt being reported.
Product: Credit card

Comenity bank floor and decide credit card - payment is due by XXXX est. I paid at XXXX XXXX my whole balance and they charged me a late fee of {$37.00}. The next month I paid the late fee of {$37.00} and was charged another late fee because it was after the XXXX XXXX cut off. I was in another state and did not think of the time change. I was charged another {$37.00}. I called and asked for the late fee to be waived and was told no I had to pay it. This is predatory fees. Also a person should not have pay a bill by XXXX because the bank goes off et when they are in mt or pt.
Product: Credit card or prepaid card

I received a Bank of America Visa Reward Card from XXXX for {$5.00}. I went to use it and the people at XXXX told me it had expired 5 days earlier. I called the number on the back of the card and Bank of America told me the card had expired. I asked them to reactivate it and they said it would be easier to mail it to me if I liked. I said great and was very happy that it would be so easy to fix. I waited 8 weeks and no check so I called Bank of America again. They said the account was closed. I said yes but I never got my {$5.00}. They said yes we charge {$5.00} to send the check. I said, the first time I called the lady didn't say there would be any charge or I would have had her reactivate the card to get the {$5.00}. I spent 20 minutes on the phone with Bank of America and all they told me was cut up the card. I asked if it had {$5.00} they would send me a penny? She said yes. I asked if it had {$4.00} on it I would owe them a dollar. She didn't know what to say. I feel like Bank of America is stealing small account amounts and should be held to account for it.
Product: Credit reporting or other personal consumer reports

On XX/XX/30 disputes were sent to Experian in an attempt to verify the information on my report. Experian was asked to provide a debt validation letter along with proof of alleged debt that company claims was owed prior to having this reported on credit. Experian was asked to check on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX . Accounts details were not provided other than the same information seen on credit report and Experian.com. Disputes were " updated '' as per Experian and Experian is reporting each of the debts on credit report. Additionally, the disputes are showing as credit card utilization when none of these accounts are open and are shown as charge offs by each company. Disputes were also made specifically to XXXX XXXX XXXX and XXXX XXXX XXXX. As per company website companies are not licensed to collect debts in NY. A request for licensing information and licensing numbers for each was sent also asked to be provided and was not. There is an additional charge off from XXXX XXXX XXXX that has a civil judgement currently open. A request to correct the misleading information being reported by XXXX XXXX XXXXXXXX be corrected and it was denied. The account is currently being reported as a charge off and is showing in credit card utilization. A request to cease negative reporting was requested as active payments are being made but this was denied. Furthermore, not one alleged debt reported as a charge off has sent proof of 1099-C which is required by the IRS when a debt is considered cancelled or forgiven. Credit reports have been frozen across all 3 reporting agencies and not new debts have been reported or opened yet score continues to drop to the lowest it has even been with XXXX new debts.
Product: Debt collection

I was not aware of this debt be for you put this debt on my credit report im unaware of this debt i didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then send me the certified receipt with my name and signature on it showing that i was made aware of debt before putting on my credit report, Remove this account from my credit report if you can provide documents that you made me aware of debt before putting on my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account 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 602 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I paid them off this is hindering me from get a loan for my business even after I paid them off I need them off so I can grow my business
Product: Debt collection

I am writing to formally file a complaint regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws by Credit Control LLC On XX/XX/year>, I received correspondence from Credit Control , LLC regarding an alleged debt. I have never conducted business with this company, nor have I incurred any debt with them. Concerned about the legitimacy of this claim, I promptly sent a written verification request to Credit control , LLC on XX/XX/year>, in accordance with my rights under the FCRA ( 15 U.S.C. 1681g ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). In my letter, I requested the following : 1. Detailed account information : The original creditors name, address, and account number associated with the debt. 2. Proof of debt validation : A copy of the original agreement or contract demonstrating my obligation to pay the stated amount with my wet signature. 3. Complete payment history : An itemized statement of the debt, including the original amount, any interest, fees, or other charges, and how the total amount was calculated. 4. Verification of your authority : Documentation demonstrating your legal authority to collect this debt, such as proof of assignment, transfer, or account ownership. 5. Verification of my liability : Evidence that this debt is validly associated with me, including dates of account activity and any records proving that I agreed to the terms of this account. Under the provisions of the FCRA and FDCPA : FCRA, 15 U.S.C. 1681g ( a ) : I am entitled to clear and accurate information related to any claims against me. FDCPA, 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection efforts until the debt is validated. Failure to comply with these statutes constitutes a violation of my consumer rights. I respectfully request the CFPB to investigate this matter and ensure that [ Name of Company ] is held accountable for their practices. Additionally, I request that the CFPB ensures : The alleged debt is verified or invalidated. The company ceases any further collection attempts unless they comply with federal law. Any necessary corrective action is taken to prevent such occurrences in the future. I have attached copies of the original correspondence from [ Name of Company ], my verification request, and proof of delivery ( certified mail receipt ) for your reference. Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is needed.
Product: Debt collection

I had a membership at XXXX XXXX in XXXX XXXX XXXX. After an initiation fee I had a monthly payment of around {$10.00} per month. I left XXXX  in XXXX and returned to my home in XXXX. I let the club know that I was leaving and I paid auto payments by credit card for XXXX and XXXX even though I was no longer in XXXX  and no longer using the fitness facility as I left XXXX  near the end of XXXX. The credit card I was using became lost and I canceled it. I began to get calls from XXXX financial sometime last fall wanting me to pay {$150.00}. They also refer to themselves as XXXX XXXX XXXX, XXXX. 

I believe not only that I shouldn't have to pay, but that I should get a refund for the months they collected payments for after I left the state. I really don't want to try to collect {$20.00} from them, but I strongly object to paying {$150.00} for services I didn't use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact Experian, XXXX and XXXX  via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. EXPERIAN responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.
Product: Credit card or prepaid card

I opened a MasterCard with Comenity Bank BJ 's My Perks on XX/XX/22. Shortly after opening the account, and the entire Comenity Bank BJ 's My Perks online and phone customer services became unavailable. This lasted from XX/XX/22 through XX/XX/22. This brand new account obviously had no prior balance, as it was only opened on XX/XX/22. Despite this, Comenity Bank BJ 's My Perks issued my first statement on XX/XX/22 and charged me finance charges. These charges violate their own terms and conditions, as there is no prior balance subject to finance charges. Pleae review attachment and view page 3. Comenity does not answer online secure messages or answer the customer services #.
Product: Credit reporting or other personal consumer reports

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.They were not in compliance with Us 1637b I would like this late payment Removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keep sending the same correspondence. I am not a credit clinic
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} XXXX XXXXXXXX Balance Owed : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX