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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has listed me as an authorize signer on a credit card which I never signed authorization for or gave permission to report on my credit report. I have made investiagations with XXXX to have removed from my credit as the balance keeps increasing and causing my credit score to decrease. I want American Express deleted off of my credit report and XXXX has stated they are not able to. However I report this investiagation to the other credit bureau agencies and they have deleted XXXX is the only company. I have sent an investigation almost every month since XX/XX/2017 and they still have yet to remove from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old account that was listed on my XXXX credit report from US Bank. The account was closed and zero out because of fraudulent charges back in 2016. I've contacted XXXX to dispute the incorrect balance showed and they've sent a letter stating US Bank has verified the account as correct. US Bank has a record of the letter that was sent to me with the account being corrected.
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 and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I recently got a copy of my consumer file and noticed that there was personal information that belongs to someone else on there. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information. Please PERMANENTLY REMOVE the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX The ONLY correct address is listed above. 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Product: Checking or savings account

Our XXXX XXXX XXXX XXXX has been the repeated victim of ACH fraud and Citibank both didn't take commercially reasonable steps to keep our money safe and is not refunding us. We reported all of the fraudulent transactions within 2 weeks of the fraud taking place- often within days. We have made many internal appeals to Citibank- none have been in our favor. We have also asked repeatedly why no security measures were taken to protect us from this fraud but have not been given satisfactory answers XX/XX/XXXX : Fraudulent ACH XXXX debit for {$300.00} - initially received a refund on XX/XX/XXXX but that refund was reversed on XX/XX/XXXX XX/XX/XXXX : Fraudulent ACH XXXX Debit for {$1300.00} - reported to Citibank and we never received a refund. 
XX/XX/XXXX : Fraudulent ACH Credit card Pay to XXXX for XXXX : initially received a refund but that was reversed XX/XX/XXXX : Fraudulent ACH credit card pay to XXXX for XXXX : initially received a refund but that was reversed XX/XX/XXXX : Fraudulent ACH transaction to ACH XXXX XXXX for {$800.00} dollars : initial refund that has not yet been reversed
Product: Debt collection

received notification from XXXX XXXX that I had a Collection on my credit report. When i looked it showed I owed {$6900.00} to XXXX XXXX and it had been sent to Credence Resource Management for collection. I contacted XXXX and disputed the debt. Received letter today XXXX that Credence Resource Management is saying it is a valid debt and verified. Re-contacted XXXX and stated this is fraud and did not purchase. They stated to file fraud report to this website. The original XXXX  charge was dated in XXXX.
Product: Credit reporting or other personal consumer reports

In recent complaint XXXX XXXX Submitted to the CFPB on XX/XX/2024, THE CONSUMER REPORTING AGENCY EQUIFAX responded XXXX XXXX XXXX, XXXX EQUIFAX VERIFIED THIS ITEM XXXX XXXX XXXX XXXXXXXX ) AFTER INVESTIGATION. In Accordance with 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ask that you please provide me your method of verification, also the description of that procedure, and all the documentation that you retrieved to run your investigation that proves that this information is being reported accurately. Please provide this information within 15 day or you must delete this item.
Product: Checking or savings account

I had {$2000.00} stolen out of my chime account and they did nothing about it
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach, my personal information was exposed. I am a victim of identity theft pursuant to 18 USC 1028A. The credit reporting agencies are in violation of 15 USC 1681, my right to privacy.
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 Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Please be advised that Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal. 
After reviewing my consumer report it has come to my attention that you are reporting adverse inaccurate information on my consumer report. Please be advised that you are hereby on Notice pursuant to 15 U.S. Code 1681s2 and U.S. Code 1681.

You are reporting information on my consumer report which is inaccurate. You are reportinng information as charge off debt, however according to IRS Publication 4681 charged off or cancelled debt is considered taxable income and pursuant to 15 U.S. Code 1681 income is not included in a consumer report. 

You are reporting the following inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to IRS Publication 4681 and IRS Instruction for Forms 1099-C even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. Further, pursuant to 15 U.S. Code 1681 the term consumer report does not include the reporting of income.

You have failed to comply with your responsibilities under 15 U.S. Code 1681s2 and are in direct violation of 15 U.S. Code 6802 by disclosing my personal information on my consumer report without my permission or permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 without my written instructions
Product: Credit reporting or other personal consumer reports

I need the XXXX account deleted immediately as the reporting of the account is violating numerous rights, the XXXX XXXX XXXX needs to update the frivolous late payment. Also, XXXX needs to delete the child support off my credit report as Transunion and XXXX did which means XXXX is willfully not complying which is violating Title 15 U.S.Code 1681b ( e ) ( 6 ) and I will be seeking litigation against XXXX soon if they keep reporting it. Look at credit letters attached for full info. This is my last and final warning before I file lawsuit against all companies that are willfully not complying with these lawful requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Equifax data breach. In XXXX of 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. 
My credit cards now show as being late and having a very high balance. 
I have never missed any payments and have a XXXX balance on my credit cards every month. I have never carried a balance.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries on my credit report. I have asked credit bureaus remove these these inquiries and they not. I am providing a copy of Identity theft report. I am asking for these inquiries to be removed because they are inaccurate and not mine
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 items 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 items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items 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.
Product: Debt collection

I paid the balance in full to XXXX Hospital, XXXX MS I do not owe the {$120.00} and I have asked the debt company many times to contact XXXX where this was paid off and they have told me they would but it still has not been removed from credit report.
Product: Debt collection

Frequent and excessive calls to my place of employment without identification of whom they are and to what the issue of business this is specifically pertaining to. Research on google has identified this as Convergent Outsourcing Inc, debt collection agency that uses fraud and/or illegal tactics to collect personal information for an alleged " debt '' owed.
Product: Student loan

I have been working hard to address my student loans with no help from navient. I have applied for income based repayment however they have never responded in writing to my multiple request and when I call I am always given a different monthly amount as my new repayment amount that I well above what I am capable of paying especially in the midst of  XXXX  and a divorce.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 


I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are suppose to 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

Hello, I recently applied for a CHASE Sapphire card. The application pended for XXXX verification. CHASE wants to reverify my DOB and Address. It's very odd since I am already a customer. 

Regardless, I sent in the required documents. I just received a letter stating that the documents were not sufficient. I sent in a copy of my drivers license and my marriage certificate. That should be more than enough to verify my name, DOB, and address. 

Can someone competent please review my application and documents I sent in and move forward with the application process? 

Also, my name is not XXXX XXXX XXXX. It's just XXXX XXXX ( middle initial XXXX ). A long time ago I called into CHASE 's servicing call center - the rep kept calling me XXXX, and the next thing you know my name was changed. Can you please update my name to reflect accurately as XXXX XXXX XXXX?
Product: Checking or savings account

Long story short tried to deposit my boyfriend ( XXXX ) a 401k check. First they said it was bad. Then they said couldnt do it because third party check. Finally 3 weeks later they admit it is good. Now they wont send me the money in a check because they closed my account because it was fraud.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there are numerous inaccuracies that is affecting my credit score and ability to obtain credit.
Product: Money transfer, virtual currency, or money service

This account was created on cash app and is completely fraudulent.
Product: Vehicle loan or lease

Kia Motors Finance is trying to unlawfully force me to pay an extra {$7200.00} through XXXX. This is for a vehicle lease that has already been paid in full. On XX/XX/2022, I received the Insurance BUYOUT QUOTE from Kia Motors Finance directly. I immediately forwarded this information to my insurance company, XXXX XXXX, who in turn sent a check for the full amount of {$31000.00} directly to Kia Motors Finance. Kia was incredibly difficult to work with, provided no quote over the phone, and I had to go onto their website to find this information. XXXX XXXX tried numerous times to call and receive the payoff amount and was denied this information. After my fourth call to Kia, someone finally helped me find this payoff information. If you inspect the buyout quote I uploaded, it shows the reason for the buyout quote as INSURANCE, and shows the amount of {$31000.00} as being good through XX/XX/2022. If you look at the next document, it shows XXXX XXXX sent them the payoff of XX/XX/2022, well before the expiration date of XX/XX/2022. They have since tried to change the amount we owe them illegally. They have been harassing my husband by calling his phone number three times a day even though we gave them the correct number many times. When I try to call them back to speak with them, they keep me on hold for hours and then hang up on me, never speaking to me. When I answer a call they make to my husbands phone, its just a recording to call them. They are intentionally not talking with me or working with me. They made it clear either I pay them extra money, or they go after my credit. In a letter they recently sent me, they are stating that they will " charge off '' this amount in a couple weeks and try to destroy my credit. I am a hardworking immigrant and military spouse who has been paying all my legitimate bills on time for years trying to build up my credit and provide a good life for my children. Please help me with this immoral company abusing their power to hurt me and force me to pay unsubstantiated money. I never would have imagined a company as large and trusted as Kia to be so bad. How can a company say they are owed a certain amount, get paid that amount, and then try to change what they are owed after they have been paid??? THIS IS EXTORTION!!!
Product: Credit reporting or other personal consumer reports

" I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX account number 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 without my written instructions. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.