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

I am deeply dismayed by the situation at hand. Despite having diligently fulfilled my mortgage obligations through conventional means, without any involvement of foreclosure proceedings, I find it exceedingly frustrating to encounter erroneous remarks suggesting otherwise. I possess verifiable documentation attesting to the full settlement of my payment to XXXX. 

The presence of foreclosure-related comments on my credit report is not only inaccurate but also poses substantial challenges for me. As such, I insist on their immediate removal to accurately reflect the true status of my loan. It is imperative that XXXX rectify this matter promptly and ensure the integrity of my credit history is upheld without further delay. 

The verbiage on the status of this account is incorrect and improper, I NEVER experienced foreclosure proceeding and the credit bureaus should update and correct this matter. I have all documentation to fix and verify full payment of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

We want this off our account. The debt is really over. It was in 2016, we had flooding, that was caused by a faulty toilet flagger. We had been dealing with this toilet for many years. Landlord would send out individual to fix the toilet and we would deal with issue with this toilet over and over. After a couple of year of dealing with the toilet needing to be repair. I asked for a new toilet. They would not replace the toilet, just fix the same one. We want this taken off our credit report, it is not on XXXX anymore. This debt is really over. Please take off our credit report. 

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

A collection agency has put derogatory information on my credit report. 

I have never had credit with this agency, how is it they are allowed to make a derogatory mark on there? 

In addition, the creditor they are representing never reported me to the bureaus when I was current, how is it they can do it now when I am behind? 

This is false and misleading. It does not give a true picture of my credit history with this company. They are using this as a tool to get paid, plain and simple. 

If the positive has never been reported, how can the negative be reported?
Product: Credit reporting, credit repair services, or other personal consumer reports

late payments was placed on credit report which they shouldn't have i already try to fix the issue. my problem with these companies was not resolved 1666b. Timing of payments ( a ) Time to make payments 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as adde
Product: Debt collection

My name is XXXXXXXX XXXX XXXX XXXX  SS # ending in XXXX. 

I have a collection account on my credit for {$11000.00} from Central Portfolio Control! This company has violated FDCPA beyond measure and has many XXXX issues. 

First and foremost, I had my ID stolen and used. I have had several online loans taken out in my name that were not mine.

I told this company this! I have filed fraud disputes and nothing has been investigated which is a FCRA violation 1681s-2 ( a ) ( 8 ) ( F ) ( i )!!!!

I requested proof the debt and NOTHING has been issued - Again an FDCPA violation 15 U.S. Code 1692g!!!! 

They have threatened me over the phone to sue me and garnish my wages and CALL MY EMPLOYER if I do not pay!!! 15 U.S. Code 1692e VIOLATION! 

ALL things combined, let 's not forget XXXX. Their business practices are abusive and deceptive! They have been verbally violent with me with threats and have harmed my credit beyond measure reporting this fraudulent account.
Product: Credit reporting or other personal consumer reports

Request for Removal of Fraudulent Accounts Due to Identity Theft I am writing to formally request the removal of fraudulent accounts from my credit report, which I believe were opened as a result of identity theft. I have already taken the necessary steps to report the identity theft to the appropriate authorities and to mitigate any further damage to my credit. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft Consumer Protection Act, 15 U.S.C. 1681c-2, I am requesting that you investigate and remove the following fraudulent accounts from my credit file : XXXX XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$470.00} XXXX XXXXXXXX XXXX {$2500.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were opened without my authorization. I have attached a completed Identity Theft Report, which is required under the FCRA. As per the law, I am requesting that you block these fraudulent accounts from my credit report and provide me with a written confirmation of this action. 
Please find the following documentation attached to support my claim : A copy of my government-issued ID. 
A copy of my Social Security card. 
A copy of the Identity Theft Report. 
Any other supporting documents, as needed. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this request. I respectfully ask that you notify me of your findings in writing and update my credit report accordingly. 
If you require any additional information to proceed with this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and the removal of these fraudulent accounts. 
Thank you for your time and assistance.
Product: Credit reporting

I like to inform you that the judgement that is on my credit report should be removed it has expired. The court system is with drew the entire judgement out of their system. Therefore this can not be collected. In this case this judgement should be removed within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I sent in a complaint against Transunion. On XXXX ; I receive a score that has low my credit score. They are saying that the 5 late payment is what is doing it. That is wrong because I was caught up in XXXX and current now for the last four month. My Redin score has been going up send XXXX and now they are saying it doing down due to that. I feel that I am been retaliate cause of my complain in XXXX with theXXXX How can I be going up and now Down for something that happen four month ago. I am current with XXXX and has the receipt to show itLook into them you been over 30 late in giving me an response to file # XXXX investigate plus my update was not suppose to have been until XXXX. Why the XXXX. Secondly, I want all of the there are three closed account that need to be take off XXXX and XXXX it been over 10 years. XXXX need to Showa balance of XXXX paid it off on XXXX. Fact they are 30 Days overupdate me on my complaint.
Product: Credit card

Please find attached XXXX dispute letters to XXXX in regard to an account with Barclay 's Bank Delaware for the negative amount of {$1900.00}. In the XXXX report it states that the XXXX XXXX Amount was {$1500.00}. I had never been notified of any sale or transfer of this account with Barclay 's Bank Delaware to a debt collector. I also have no knowledge of how a XXXX amount is {$1500.00} and it states the amount now owed is {$1900.00}. This account stated on the XXXX reports say the account was opened on XX/XX/XXXX but then states last reported was XX/XX/XXXX. However, because I disputed this account it has been reactivated the reporting as XX/XX/XXXX. No reporting had happened for over 2 years on my reports.
Product: Debt collection

This company has violated the FDCPA rules in numerousity. AmSher violated federal law by making automated phone calls, and calls using an artificial or prerecorded voice, to cell phones without consent. The company has not validated any debt nor followed MA State collection guidelines. Litigation is eminent against the company under XXXX XXXX XXXX, XXXX XXXX for their acts of " Unfair Deceptive Acts and Practices
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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

I have paid all copays and just rec 'd a bill from a collection agency. I have never rec 'd anything in the mail before on this. I called the Dr offfice and they say it was because visits that are being billed didnt have a referral but I always had a referral and if they told me that I would have gotten XXXX. I have attached proof that my primary care physician did send referrals. I feel as though this is some sort of way for them to bill people almost 5 years later knowing they will pay or it will kill their credit. I am in the XXXX and will be forced to pay something that is not accurate almost 5 years after the services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit plus is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully ; p ] '/loobtaining my TransUnion consumer report on XXXX XXXX, XXXX XXXX, XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 USC 1681.

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

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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at ACCT XXXX XXXX XX/XX/XXXX with a balance of {$680.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX  XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I had a father that was a veteran and he was waiting on his check from back pay from years ago not being compensated for something or another but anyways I inherited the sum of the money from the life insurance policy so I had an account they opened up and they gave me a debit card and a XXXX dollar credit card and I ended up getting setup in a motel in XXXX GA and I was completely robbed by them they closed my accounts and they never gave me XXXX the back pay that I was supposed to receive I never received all of the money I spent some on couple of laptops and musical instruments and when I was setup by the police they took all physical possessions and kept them and the bank 's and who ever I was doing business with they took the fund 's and my credit card and maxed out everything and never received any of the money left out I lost a total of {$17000.00} dollars and I would like my stuff back and the credit card and the money all of it I want it back please I'm begging of you to help me cause I was treated like a severe criminal and I was sentence improperly and I was setup to boot and I lost 8 years of my life now and I would really like the opportunity to talk with you about this I have a XXXX XXXX XXXX and I don't miss a beat please help me and I will help you.
Product: Credit card or prepaid card

Card is maxed out by someone an ex let in our house but its really affecting my credit report as it has been closed down now and I cant afford those payments.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please read this statement and comply as it contains my full complaint and request : The discrepancies pertain to the following items : XXXX  XXXX XXXX : Account # - XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b UNKNOWN : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b Inquiries : I never applied for any of these accounts, haven't applied for anything in last 2 years! Please Remove Account Due To Permissible Purpose 15 USC 1681b Personal Information : XXXXXXXX XXXX XXXX XXXX XXXXXXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Please Remove Account Due To Permissible Purpose XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications.
Product: Checking or savings account

On XX/XX/2022 some body called XXXX XXXX swapped my phone XXXX card and stole all my money from my Citi bank accounts. The bank declined the claim saying I did not safeguard my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2. It also States a Consumer Reporting Agency Can not Furnish a Account with my written instructions.
Product: Debt collection

I had owed XXXX money from a credit card I was unable to pay due to financial issues. XXXXXXXX XXXX  then utilized Calvary SPV as an assignee of the debt to which totals {$12000.00}. Calvary then has hired XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX to collect on said debt. This is a violation of XXXX XXXX XXXX XXXX. 

" ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. '' They went on to try and serve me papers when I was not at my home which is also not the listed address on the citation they have had issued in court. The citation reads as being listed to XXXX XXXX. My wife told them a couple times I was not home during their hired hand trying to serve me notice and we also have a no soliciting sign posted. 

This has caused me tremendous stress and has hindered my family in pursuing our XXXX given rights to happiness.