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 list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681. 

Bankruptcy XXXX XXXX Acct # XXXX. Has violated my rights. 
XXXX XXXX XXXX Acct # 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 an account without my written instructions. 

XXXX5 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. 

At no point and time have i ever given my Written Instructions to furnish these accounts. Either provide documentation showing my written instructions to furnish these accounts or you must delete them from my credit report As shown in the consumer laws shown above.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and 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 card or prepaid card

On XX/XX/XXXX I was given the option to extend my credit line to {$1800.00} and then paid {$500.00} towards my bill. The next day on XX/XX/XXXX, I received an email with notice that my accounts ( credit card and credit builder prepay account ) are terminated due to multiple returned payments. Ive had 1 returned payment on XX/XX/XXXX for {$770.00} and made an instant payment the same day for {$1000.00}, paying the balance in full. I have never been late with a payment and had the card over a year, the credit builder account is the second one Ive had and Im only 3 months in. When I contacted the customer service on XX/XX/XXXX via chat I was told the same information, my accounts are terminated, and that my request has been escalated to their fraud team. I contacted customer service after finding their phone number on the internet today, XX/XX/XXXX, waited on hold for 18 minutes and was told the same information by a representative. I explained Ive never been late and thats reflected on my years worth of statements and was told again my request has been escalated. I asked to speak to the fraud team and was told I can speak to a supervisor. I waited another 20 minutes on hold until I was told the supervisor was out today. When I asked why my credit limit would be extended if Ive had multiple returned payments the representative began reading off transactions that, according to my own statements in front of me, did not exist. I said there must be a mistake in their data because I do not have those transactions and I asked to speak to anyone else who could help me- the representative began getting aggressive with me and continued reading off transactions and dates that did not exist. I asked to speak to anyone else and was told to wait on hold ( now totaling 01:09:11 minutes call ) until the call was disconnected at 01:15:54. I called back and had the same representative who gave me the same information as before and told me to wait for an email from their fraud department. I asked how long it would take for a response and she told me she couldnt give me an estimate. I asked for a queue number and she gave me a case number : XXXX. Until then, my accounts have been closed and I have a balance since my credit line was increased the day before closure my payment went into a void and this will severely damage my credit score.
Product: Credit reporting or other personal consumer reports

I have provided all 3 credit bureau with my discharge letter for my XXXX XXXX  that was signed by the bankruptcy Court. The bankruptcy stay on credit for 10 years only all bills included is not suppose to have a statement saying potential negative on all the bills that were signed off in the XXXX  XXXX bankruptcy wish has cause me to have lower scores and is staying that those accounts have balances and are still NEGATIVE. Each time I try to get credit for my electric company I am turned down because of what all XXXX credit bureaus all providing. Each time I try getting back in school this information is still causing me a hardship for me and my XXXX  by reporting inaccurate information on accounts that were XXXX through XXXX  XXXX that do not have a negative balance. I have no balance in my XXXX  XXXX bankruptcy. I have started all new credit the account are to follow that are XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX account XXXX were all XXXX with XXXX balances. I would like the Protential NEGATIVE to be taken off of my report. They are not supposed to be showing any type of negative activities.
Product: Consumer Loan

I financed an auto loan with Santander Consumer USA. I have made my payments ahead of schedule and I have never been late on a payment. They are stating the interest is accruing on a daily basis since the last payment was made even if the payment was early. I have paid so much in interest to the company and hardly any of it was applied to the principle. I am currently locked out of my online account with Santander because I complained to them about the payments being misapplied. I am in fear they will repossess the car even though my account is current. This company needs to be shut down immediately. There are numerous complaints on this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following account and inquiry from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of accounts and inquiries that have been fraudulently reported as a result of this breach. 
Please find the details of the account and inquiry to be blocked and deleted : Account : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} Inquiry : XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach occurred through in unofficial us department of education unauthorized individual without prior authorization. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report for its hurting my ability to obtain credit.
Product: Debt collection

Advised creditor to cease calling on XX/XX/XXXX, after prior phone calls requests
Product: Credit reporting

I recently noticed an entry on my credit report from " XXXX XXXX XXXX XXXX ''. On XX/XX/2015, I sent a certified letter requesting validation. I have n't received a valid response. On XX/XX/2015, I sent a letter to TransUnion, disputing this entry. TransUnion " Verified ''.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : 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 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 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
Product: Debt collection

I have sent Apex Asset Management two requests regarding debt that they are saying I owe to them in the amount of {$140.00}. I've asked for evidence, bearing my signatures showing that I owe Apex Asset Management this debt. I have no binding contractual obligation to pay Apex Asset Management any debt at all. I am trying to get this cleared up and OFF my credit report before filing a small claims court action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax Credit Agency for over 2 years with same problem I have provided documents to Equifax. They have my died father information on my credit report like his 4 credit cards and also his name listed on my credit report I have told them to remove his name off my credit report plus they have several address that are wrong on my credit report
Product: Debt collection

The original creditor is our previous landlord, XXXX XXXX XXXX, who claimed that we caused massive damages to the apartment when we moved out, totaling {$4700.00} ( XXXX month 's rent was {$1500.00} for the unit ). We lived in the unit for XXXX years and never caused any damages beyond reasonable wear and tear. Therefore, we would like to dispute this debt. 

The debt was sent to the collector, National Credit Systems, and I received a notification on XX/XX/year>, stating that we must dispute the debt by XX/XX/year>, if we wished to do so. I submitted a dispute form on their website, as instructed in the letter, on XX/XX/year>, but never received a response. We then hired a lawyer for consultation, and they sent a formal dispute letter on our behalf in XXXX XXXX. We did not receive a response to this second dispute letter either. Prior to this, our lawyer also reached out to the original creditor, but they did not respond. 

Additionally, we never received any verification of the claimed 'damages ' to the property. However, we have our own photographic evidence of the unit when we moved out, which shows that the apartment was in overall good condition. This evidence was included in the dispute letter. 

Today, I received an update on my credit profile indicating that I have a collection record, which has severely damaged my credit scores and records. I am filing this complaint because the debt collector never provided any evidence to justify the debt and never responded to our dispute before damaging our credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft. As a result, I am requesting the blocking and permanent deletion of certain accounts and inquiries on my credit report as permitted by the Fair Credit Reporting Act ( FCRA ) under 605 ( b ) and 15 USC 1681c-2 ( a ). 
Please find below the details of the accounts and inquiries that I am disputing as fraudulent : Account XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$00.00} Inquiries 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 XXXXXX/XX/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 U.S.C 1681 XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # 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 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

XXXX is rating me as having a XXXX. They have refused to allow me to have this information corrected and they state they can not find my information
Product: Mortgage

In XX/XX/XXXX, I applied for an equity loan against my primary residence and was denied citing two missed mortgage payments ( XX/XX/XXXX & XX/XX/XXXX ) on a secondary property. I provided the reason I missed the payments as follows : In XX/XX/XXXX, while on vacation, my sister suddenly had XXXX XXXX. She was rushed to the ER and admitted with a diagnosis of XXXX XXXX XXXX. We were out of state and she could not be stabilized to travel back home.The expenses for treatments and consultations mounted and I had to help bear the costs. I notified my mortgage company of the dire situation and informed them the payment would be missed for the two months. This was a very difficult time for me financially and I needed help. In XX/XX/XXXX, I reapplied for the same equity loan as I had been told to wait one year due to the two missed mortgage payments, however I was denied again. I initiated an appeals process in order to address the concerns raised by the Equity Processor. I was thorough with my explanations and documentation, however, when I received their formal letter of denial it stated the information I provided was not sufficient to alter the original decision. I was disturbed by their response because one of the areas of concern dealt with my debt to income ratio. I provided them with a lease agreement from my tenant who has an account with their bank. I also provided the tenant 's account information showing each monthly payment. I fail to understand why this additional information was not helpful since the mortgage payment is {$1600.00}. Additionally, I provided a full explanation as to why I missed the two mortgage payments as well as a disputed charge-off by XXXX XXXX. Another area of concern was a {$15000.00} loan I took out in desperation when the equity loan was denied. The interest rate on this loan is 24.57 % ; term of the loan is 36 months and the monthly payment is {$550.00}. My credit report will document I have had no late payments on any account ever, except the mortgage situation I explained above.
Product: Credit card

I had a need for XXXX work and signed up for CareCredit. During sign up, we discussed the cost, I provided some private information and the credit was approved. Never was a promotion campaign mentioned or what would happen at the end of the " promotional period. '' Not aware of the promotional period, I contacted them to request an extension of credit for additional XXXX work, and again, no promotional period was mentioned. It was a regular call with a representative from the bank. At no time did she mention a promotion or offer the opportunity to pay off the balance early to avoid interest XXXX 26.99 % ).
Product: Debt collection

Revco Solutions at XXXX XXXX XXXX, XXXX, OH XXXX has been contacting me regarding my portion of a XXXX Bill which I have disputed with XXXX. The medical bill involves a surgical test for a XXXX XXXX, where they take a XXXX sample and send it to a special lab for analysis for XXXX XXXX XXXX. I am XXXX. 

The lab was closed for XXXX and so I was told there would be a delay. 

The lab never reopened and thus I have a permanent scar, no results, and no way of getting results. Thus the entire procedure was done under false pretenses. 

I have contacted the hospital numerous times and got the runaround because they could not provide the results. 

I contacted Revco and explained the situation in writing. I told them to provide the medical results within 5 days to verify the debt, and no information was provided. 

They have continued to contact me when I told them not to do so.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRAXXXX XXXX XXXX truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXXXXXX Late Payment {$0.00} 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 XXXXXX/XX/year>