23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and that's when it was brought to my attention that this damage was on my report. According to 15 USC 1692GB, the agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior. I was not notified. As the original creditor, only I can validate this debt. I did not validate this debt. Therefore, the following accounts must be deleted from my credit report immediately. 
Account : XXXX XXXX XXXX  Account # XXXX Amount : {$2500.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$2200.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$500.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$13000.00} I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entity providing this information to you has an obligation to correct, VALIDATE, VERIFY, and update relevant information to ensure its accuracy. If they have failed to do so, they maybe in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they can't be validated and verified.
Product: Credit card or prepaid card

Complaint Description As XX/XX/XXXX I was affect by covid 19 and was layoff I called card company and explain my situation as apply for XXXX XXXX  among the wait time and they put me on a temporary relief program as my payments were made every month on time prior. The relief program expire as was still not working due stay at home by the governor. 
I assume the relief program was over in XXXX as recieved a call from card company XX/XX/XXXX the rep said I owed {$130.00} this included late fees I think she said other fees I said still not working then said I owed {$52.00} paid XX/XX/XXXX {$110.00} as my bill generally {$50.00} per month and all my payments were on time prior to this, I assumed was next due XX/XX/XXXX as recieve a call today from XXXX XXXX XXXX it was verve collection saying I was more then 30 days late and need {$140.00} as could hear her that good. I explained my last payment XX/XX/XXXX made was {$110.00} that was get me to XX/XX/XXXX as the last rep XX/XX/XXXX did not say I would have to make a payment for following month as I assumed was due XX/XX/XXXX. 
Today rep was said AGAIN being charged all these fees as being affected by covid 19 and not working I asked her was this being reported to my credit report as past due over 30 days she said yes which should have not happen as I'm looking for a new job and every employer check your credit report as I work in finance and this is now going to affect me going forward as we being taken advantage of during theses trying times as looks like verve company is taking advantage of the uneducated consumer. I asked please help me as trying to get back on my feet and making payments to verve card company there looking milk the poor people in a difficult time in a pandemic and make a extra buck while doing so. I see continental finance has prior violations by CFBP before as the company was being monitored and seem like they are doing it again, I keep making payments each month and some extra and every month I'm still over the limit you call the company and they tell you everything is fine but continue charging hidden fees to purposely making make you over your limit. I have reach out to the attorney general office for regarding continental finance illegally business practices but seem not getting nowhere as of today I just got another alert XXXX I'm over the limit again when keep making on time payments and some extra payments seem that I will get caught up.
Product: Debt collection

On XX/XX/22 I received the following text message from phone # XXXX : " This message is from the CBE Group, a debt collector. Please contact us at XXXX or paycbe.com. Reply 'STOP ' to stop texts to this number. '' I have never heard of this company and do not have any outstanding debts that would have gone to collection. This may be a phishing attempt, and not really from the company indicated ( CBE Group ), or it could be an identity theft issue. I did not call or text them back in case it was a phishing scam attempt.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, IL XXXX And the address XXXX XXXX XXXX XXXX XXXX, IL XXXX They must XXXX removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXX  this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under XXXX XXXX XXXX. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed a security freeze on my credit report with Experian. Experian provided me a 10 digit PIN which I was told would be the only key to un-freeze my credit report. In XXXX, XXXX I received information from XXXX XXXX and XXXX  that someone posing as me had applied for credit with them. XXXX XXXX confirmed that they were able to get a credit report on me from Experian. It was extremely difficult to contact Experian to resolve the matter. After spending a day on the phone with them, all I could learn was that someone had obtained my social security number and was able to open an account with them and un-freeze my credit. Experian did this without the security PIN and without attempting to verify the identity of the fraudster, who went on to apply for numerous credit cards in my name. Talking to Experian was fruitless. They do not consider any fraud information on your account as fraud, instead transfer you to " membership '' who can do nothing about fraud. It took hours to clear off the invalid credit information and delete numerous added addresses and phone numbers. I do not have confidence that I have fully corrected the record. 
The fraudsters have figured out that the Experian report does not show all the phone numbers on the account. The fraudsters had added at least 5. I had to submit a report THREE times to Experian because each time they would remove bad phone numbers, new bad numbers would show up in their limited field-view. I also believe that the fraudsters added 5 phone numbers because the FTC identitytheft.gov website allows a victim to only report 4 bad numbers, thus leaving 1 fraud number as valid. I thought it was the law that once my credit was frozen it was permanent until I un-froze it. Though I have asked Experian to explain how that could have been done without my security PIN, they have been unable to provide an explanation. I was not surprised by the fact that a fraudster was unable to get my ssn, because it has been widely reported that that information is readily available. Despite all of this, Experian saw fit to ignore their security process and obvious signs of fraud and allow someone to take over my credit. I believe the CFPB should require the credit bureaus to more rigorously protect the data that they are collecting ; collecting even without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : 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 or other personal consumer reports

XXXX is reporting fraudulent activity on my credit report on XX/XX/XXXX from XXXX XXXX XXXX contacted the agency and asked for proof that i authorized them to run a credit check on my profile. they have failed to response and provide these documents or proof as of XX/XX/XXXX, XXXX is still reporting fraudulent activity on my report that i do not recognize.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX, this is my credit reports ( all 3 Credit reporting bureaus ) story. 
Since XX/XX/XXXX All three credit bureaus had denied me be the XXXX XXXX XXXX  my credit report for 18 years now except for once in XXXX and when I tried to fix all the inaccuracies and lies on my credit report, They ( all 3 bureaus ) immediately shut me down and locked me out again and it's been since XXXX since I've been able to obtain any one of my three credit reports. Its like they are all working in concert with each other to prevent me from exceling in life. After I sent them copies of my state ID and Social Security card they keep telling me I'm not me I do believe that's 18 violations on top of all the other Inaccuracies on my credit reports. From what I saw in XXXX XXXX XXXX has my name in 100 different derivatives XXXX  yes that would make a person look fraudulent Under 15 US Code Subsection 1681 n - civil liability for willful noncompliance. 

I was on the phone with XXXX just 5 minutes ago again ( XX/XX/XXXX XXXX XXXX  EST ), and the guy I was talking to ( XXXX ) told me I am not sending you your credit report. until after I send it to the maintenance department to fix the inaccuracies. Then it will be sent to you. 
That in itself, shows willful noncompliance. 

I wish I could attach files, but I can't. Because they haven't given me my credit report since XXXX was six years before that in XXXX. Once again after multiple times of sending them copies of my ID and Social Security card XXXX XXXX.
Product: Vehicle loan or lease

I was coming home earlier this month maybe around the XX/XX/XXXX or XX/XX/XXXXand was greeted at my garage door by a repo man. He stated that he was here to take my car. I told him I paid my payment on XX/XX/XXXX and that I did n't have another payment due until XX/XX/XXXX. He stated that he had been instructed to pick up my vehicle and that he would be calling the cops if I did n't give it to him. I told him to call the Police and we could wait together. I asked him to leave my property ( he was in my garage ) and he declined. I advised that I would be calling the cops if he did n't get off my property. The man got in his truck and sat on the side of my house for about 15mins. The Police that he claimed to have called never showed up. 
The next morning, I called Go Financial they stated that they had been instructed by XXXX not to accept my payments. I was confused because XXXX is a dealership and Go Financial is my finance company. Go Financial told me I would need to speak to XXXX and I was then transferred. XXXX stated that there was a problem with the payment for downpayment. I advised them that due to death in my family there was an oversight. I offered to pay and they declined. They told me I could n't make any sort of a payment on the account with Go Financial. I asked for a supervisor and was told the same. I called back on XX/XX/XXXX and asked for a supervisor and asked if I could make the payment. I re-explained the situation and was told no. I asked them why they were forcing me into default and they stated that they would need my van. I told them I have worked hard on my credit and I did n't want a repo and that I would like to pay. They declined again. To date they still will not accept my payment and they are forcing me into default. I am willing and capable of making payment but they will not take it.
Product: Checking or savings account

I was charged two overdrafts fees each XXXX $ on XX/XX/year> XX/XX/year> I was charged one overdraft fee draft fee of XXXX $ I am low income struggling to pay my bills. I am trying to pay down my account but the XXXX $ in overdraft fees is making that really hard I really need help. I understand one over draft fee even two but when they start to charge more than XXXX $ is when I start to have a problem its just not doable especially in this economy. I have a XXXX  who needs food and diapers and ect but instead of using that money on him I have to try and figure out how to pay the bank money I dont have.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

I am writing to bring to your attention a matter regarding the denial of securities by XXXX c/o Avant, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). Recently, I submitted a registered security to XXXX XXXX XXXX, as per their requirements. However, my application was denied based on information provided by Equifax. It is pertinent to note that this denial occurred despite my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX,, XXXX XXXX XXXX which should not be grounds for refusal of access to my securities. I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. I am seeking compensation for the denial of my securities by Equifax. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial. Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue.
Product: Credit reporting or other personal consumer reports

Theres hard inquiries on my credit report for experian, XXXX and XXXX. I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report.
Product: Debt collection

Please provide validation of the debt that is the actual accounting that is a signed Invoice A copy of the Contract binding both parties This company has violated my privacy. There is no record from me granting permission to furnish this account. The negative information is adversely impacting my life. It is inaccurate. Please remove immediately 15 USC 1681
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX  XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX, XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this letter it to dispute 1 unauthorized inquiry on my credit report. On XX/XX/XXXX I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. Because I did not apply for credit with Southeast Toyota Finance. The inquiry was done on XX/XX/XXXX. I have also reached out asking that they remove the inquiries from my credit profile. Please launch an investigation into the creditor inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if any creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Product: Debt collection

I was contacted in XXXX about a debt to a company called CKS. I had a problem with this company about 3 years ago regarding a debt. They appeared on my credit report. I had no idea who they were fought to get them finally removed from my report in XXXX. No communication was made by them to me at any point to resolve this. No payment option. No verification or anything. They just appeared on my credit report. 

In XXXX of XXXX I was served at my house by a cop. Not a process server. That seemed to be some sort of intimidation tactic. The cop had no idea what the document was about. Once I opened it and saw it was the same CKS from a few years back. I immediately wrote to the local clerk of courts and to the. Law firm for CKS to explain that the debt was not made and to provide verification of the debt. 

There was no case number, my name was typed wrong, and the address was wrong. The documents they provided showed some sort of debt. It looked legit, but I have no idea. But it no way did it show it was mine. Some random numbers and letters that could have easily been typed up as fraud. I requested to receive the verification within 30 days. I never got it. Never heard from them. I considered the case close. 

Fast forward to XXXX of this year. I received another document from the same law firm about this case. This time with a case number as part of a law suit. Again, no communication to reach out to me to verify or go over options. Just straight to lawsuit. I again sent a debt verification letter. I called the law firm on the document and they said they could not comment on this. 

I never received that request either. I never heard from anyone. I decided to look on the clerk of court website to see if there was any information about this case since I have not heard from anyone. Under the case, it looks like they have been filing motions and moving to final judgement. How could that be if I never heard back from someone. And I never got the verification of the debt. 

This company remains off of my credit report. Theyve done one shady thing after another. Theyve completely ignored my request. Theyve completely ignored the fact that I am the victim of identity theft. If this debt is even real, my guess is that has something to do with it. 

If this is some old debt that i forgot about. That is from a company that changed names multiple times then that should be explained too. Id be more than happy to set up an affordable payment plan if that is the case. However, I would still need complete documents of where this debt came from. How old is it. Is it past the statute of limitations on collection. But I dont believe that is the case. This is either fraud/ID theft, they have the wrong person, or this debt is simply not real. 

I am asking CKs Invesment and O @ L law firm to provide the information I am requesting. If they can not provide that, then I am going to assume they dont actually have proof that the debt is mine and the case close.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to complete investigations on the accounts listed below. It is a violation of the FCRA to not properly investigate accounts when requested. 
XXXX XXXX XXXX Simple Account Number : XXXX -date updated on this account shows XX/XX/XXXX and I have disputed this account last month. 

XXXX XXXX  XXXX Account Number : XXXX-date updated on this account shows XX/XX/XXXX and I have disputed this account last month. 

XXXX XXXX XXXX Account Number : XXXX date updated on this account shows XX/XX/XXXX and I have disputed this account last month.
Product: Checking or savings account

I have request multiple time from Chime customer service of settled check images. The checks were issued to XXXX for premium payment which XXXX indicates they didn't receive the checks as payment. I have requested over XXXX times and approximately 50 email asking for settled check images. The checks dated checks dated XX/XX/XXXX & XXXX and both have settled. I need these images as proof that XXXX has received and cashed checks issued. 

The original customer service call suggested i contact XXXX to handle my request which i did. 

Note the account with Chime Inc has been closed. It seems my request for the settled check images have been ignored.