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

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are five accounts in negative standing appearing on my credit. I had no idea these accounts were even opened in my name because I didn't open them and I did not allow anyone to open them with my personal information. The companies where these accounts were opened are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and U.S Department of Education. I do not have any written/verbal contract with any of these companies nor did I gain anything as a result of these accounts that were opened in my name such as money, services, goods or anything else and I never contributed to any payments that might have been made towards these accounts. I don't know who these accounts belong to but I have already filed a police report because it's not fair that I'm being held responsible for accounts that I never authorized to be opened in my name. I have filed this report to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report that is a collection account for {$300.00} under the name of XXXX XXXX. I do not own this account and It was already paid with the original creditor many years ago. Account number is XXXX with XX/XX/2016 as account date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit card or prepaid card

I am trying to transfer membership rewards points to my own frequent flyer account ( XXXX XXXX ) got message " This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program '' I am not selling these points and they are going to own frequent flyer account. My family was saving these point for once a life trip and seats might not be available if transfer is held by 4-6 weeks. We called customer service and they said 4-6 weeks without even giving time when those 4-6 weeks starts
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 XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX5 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: Debt collection

Everyday I receive a call with a caller ID indicating it is coming from NCB Management Services. The calls are using spoofed numbers other than numbers on their web site. Numbers include XXXX, XXXX, XXXX, XXXX. These numbers are obvious spoofed. No messages are ever left. The company has failed to provide a written notification of alleged debt. There is absolutely no reason for repeated calls.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( XXXX ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of XXXX to Dispute Account : According to 12 CFR 1006.34 ( c ) ( XXXX ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of XXXX Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. XXXX XXXX XXXX to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. 





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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transaction settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Vehicle loan or lease

default judgement CFPB Complaint Summary Complaint Subject : Veros Credit, LLC - Unlawful Practices, Debt Reporting, and Breach of Contract Summary : Unauthorized Contract Assignment : XXXX XXXX XXXX XXXX XXXX  sold the Retail Installment Sales Contract ( XXXX ) to Veros Credit without my knowledge or consent. 
Inaccurate Debt Reporting : Veros Credit reported incomplete and inaccurate information about the account to credit bureaus despite my repeated disputes.

Improper Repossession and Extortion : Veros Credit repossessed and sold my vehicle without notice or consent, forcing me to pay twice the original amount. 
Failure to Resolve Disputes : Despite multiple written disputes and complaints to Veros Credit and the CFPB, they failed to adequately investigate or address the issues raised. 
Financial Harm : Their actions caused me financial loss, XXXX XXXX, and harm to my creditworthiness. 
Relief Sought : A refund of all payments made to Veros Credit, totaling {$5900.00}, plus additional amounts paid due to the repossession and resale of the vehicle. 
Compensation for damages totaling {$200000.00}, including XXXX XXXX and punitive damages. XXXX Removal of all inaccurate information from credit bureaus.
Product: Checking or savings account

On XX/XX/XXXX a friend of mines deposit a 3rd party personal check into chase bank located in XXXX Maine. The check belongs to me XXXX XXXX, funds was supposed to be available on XX/XX/XXXX on the receipt. Chase bank are saying the check was cash and clear to go but now my friend account is close due to some verification on a phone number that I do not have any more I even was in the branch located in Maine with my friend with multiple forms of identification. Please help
Product: Credit reporting or other personal consumer reports

XXXX {$1000.00} *written off XXXX XXXX XXXX {$6000.00} *XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXX  {$4000.00} *Paid in settlement XXXX XXXX XXXX XXXX XXXX XXXX  {$330.00} XXXX off These XXXX shouldn't still show up on my credit report hard or soft inquiries. This debt occurred after becoming XXXX
Product: Credit reporting

I was enrolled in Citi IdentifyMonitor without my consent and was charged a monthly fee. The program was offered by Citibank NA. The Sent me a letter telling me about a refund I am owed,
Product: Student loan

I got this loan from saile Mae I didn't know that it was a private student loan at the time I've been making payments over 10 years and I owe more than I originally received over 15 years ago
Product: Mortgage

I am in an active short sale since XX/XX/XXXX with Mr. Cooper. We have advanced in the short sale process. Mr. Cooper is acting in bad faith and violating the dual tracking law cfr 1024.41g because while fully engaged in a loss mitigation process of a short sale since XX/XX/XXXX Mr Cooper has initiated a foreclosure sale date for XX/XX/XXXX meanwhile they are asking for a HUD to review for an approval and trying to take my house at the same time. These federal dual tracking laws are in place for a reason and it is clear as day that Mr. Cooper is in violation. My real estate broker contacted Mr Cooper and requested that they put the sale date on hold until the short sale is either approved or denied. Their response was they can not put a sale date on hold until a written approval is available. That is absurd! You accept my loss mitigation application, entertain the fully executed contract of sale, request all sorts of documents, and advise the short sale is in review but at the same time foreclose!!! Please assist me in this matter because I am trying to resolve this situation with the short sale and Mr Cooper and its law braking and abusive practices is  preventing me from this opportunity.
Product: Mortgage

I applied for a home modification loan through Wells Fargo in XXXX 2014. Wells fargo stated that I would have a trial period of XXXX months to see if the payments were affordable and if i would make the agreed lower payments on time. Payments were made early and on time for three month trial period. Wells Fargo claims that payments were no records as on time till the loan modification was approved in XXXX 2014. Therefore XXXX through XXXX payments were recorded as being 120 days overdue.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the fair credit reporting a Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit Against Experian Alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable, responses And falling to Adequately notify consumers of dispute outcomes.These failures Align with my Experience, where Experian has neither corrected nor removed this Account And All other Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. In accordance with the Fair Credit Reporting Act Section 605b, please remove the following items as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$4800.00}. If the Credit bureaus claim that the disputed items belong to me, I require the Credit Bureaus to send me copies of proof of verification of proof of ownership or any documents bearing my signature si support your claims. Without these documents, the disputed items should have been immediately removed from my Credit File in accordance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXXXXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Credit card or prepaid card

i have called Shell Mastercard twice to close credit card with XXXX  balance and inactivity. 
They said they would close it. However I keep getting statements from them. 
I also have a credit of {$1700.00} that they said they would send me via check. I never received it. 
Shell Mastercard XXXX XXXX XXXX XXXX, KY XXXX
Product: Student loan

I have had a loan with LendKey for over 7 years and have never made a delinquent payment. Some paymenst may be made after the due date, but I have never been 30 days late. 

LendKey starts calling 5-7 days after a missed payment due date, which is to be expected. However, they also call my sister, who co-signed on the loan. It is harassing to her and embarrassing for me. I have called LendKey repeatedly to ask them to stop calling my sister, and they refuse. I have never had another lender do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion ignored my direct complaint. In XXXX, XXXX XXXX XXXX was removed from my credit report, only to be reinserted a few months later without my knowledge. The credit reporting agency must notify me in writing of the reinsertion within 5 days based on the requirements of the FCRA. This notification did not occur. I have repeatedly requested proof of the recently validated debt and reinsertion of the debt on multiple direct disputes sent certified mail to Transunion to reference a few from last year and early this year XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX without success. Despite my repeated requests, they have failed to provide me with a copy of any documentation submitted by XXXX XXXX XXXX substantiating their claims. Transunion has not complied with my request for their method of validation, which again is a violation of the FCRA. This item needs to be deleted immediately, Transunion has not acted in good faith for over a year of disputes on this creditor and never provided validation proof nor was the FCRA guidelines followed. This has impacted my score and credibility with creditors, my ability to receive approvals as well as good interest rates were impacted. This also resulted in account closures do to random soft credit pulls, as creditor did not see me liable to continue as a customer. This needs to be deleted immediately!
Product: Credit reporting or other personal consumer reports

I have contacted this company multiple times about this issue. I have submitted documentation supporting that the XXXX XXXX ACCOUNT should be removed from my credit report. This company claims they did an investigation verifying the debt which does not satisfy the requirements of FCRA and FDCPA. I asked that they VALIDATE the debt and provide evidence to me of how they VALIDATED the debt. This company has failed to follow federal laws that protect my consumer rights. 

Furthermore, according to the Cares Act " No Person may furnish any adverse item of information relating to a consumer that was the result of any action or inaction that occurred during a covered period. In addition to the information described in section 605 ( a ), NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AN ADVERSE ITEM OF INFORMATION RELATING TO A CONSUMER THAT WAS THE RESULT OF ANY ACTION OR INACTION THAT OCCURRED DURING A COVERED PERIOD ''. 

This company continues to violate my consumer rights per FCRA, FDCPA as well as the CARES ACT. They should be held liable for damages to me as well as failing to uphold fairness and accuracy in reporting information. 

I have a right to decide what is disclosed on my credit report and Congress agrees that this adverse item should be removed. COVID was from XX/XX/XXXX until XX/XX/XXXX. This account was opened and started reporting XX/XX/XXXX. This account was reported under a covered period in direct violation of the CARES ACT.
Product: Credit reporting or other personal consumer reports

I recently tried to apply for a home loan but I was denied. After obtaining a copy of my credit report, there are some major issues that need to be addressed. I found the following accounts to be in error and would like them updated/deleted : XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX  XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
I would greatly appreciate your prompt time and attention to this matter. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking Remove XXXX late payment. 

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

experian will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. experian has it down as four accounts owing {$1100.00} i called XXXX XXXX  they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with XXXX  they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX  equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that experian is doing to me has ruined my name. please ask experian they have it wrong please remove i attempted to remove myself and experian wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one.  Its ruin my life! please help me ask experian to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.