23daVinci/CFPB_Complaints huggingface dataset:
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 Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX  Account name : XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXXXXXX XXXX Account name : XXXX XXXX Account Number XXXX Account name : XXXX Account number : XXXX, 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: Checking or savings account

I received a debit card from Chase Bank in the mail on XX/XX/20. The letter indicated this was my new bank debt card for my checking account. I dont have a chase bank account and have not recently opened an account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, equifax, and XXXX are all violating 15 U.S code subsection 1681 s-2 responsibilities of furnishers of information to consumers reporting agency. I continue to reach out via certified mail requesting that the errors and these companies are in complete knowledge of the errors yet are still reporting even though there is reasonable cause to believe that the information is inaccurate. They are not reinvestigating the accounts only. Theirs errors in the address in all these accounts, they have not even been update properly as having errors on the report. This has harmed me being able to sustain everyday life and obtain the household valuation needed based of the damage that this is doing to the overall consumer credit report
Product: Vehicle loan or lease

15 U.s code $ 1666b law this creditor has violated my rights..

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 ) 16 u.s.c. 1681 section 60s a right of privacy Gives consumers the right to ensure that the information on their credit reports is not only correct but private.
Product: Credit reporting or other personal consumer reports

I want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX,
Product: Debt collection

Reference # XXXX SUNRISE CREDIT SERVICE ( Open XXXX ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SUNRISE CREDIT SERVICE I, XXXX XXXX XXXX XXXX consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Debt collection

I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a XXXX XXXX XXXX collecting for Exeter finance. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called XXXX XXXX  who gave me the number to XXXXXXXX XXXX and they dont answer the phone. I then called Exeter who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, on behalf of XXXX XXXX concerning their reporting of a judgment on my credit report. I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that warrant immediate investigation and resolution. Details of the Complaint : **1. Re-aging of Debt ( 15 USC 1681c ) : ** Equifax, on behalf of XXXX XXXX, is reporting a judgment on my credit report, which appears to be re-aged, thereby extending the reporting period beyond the legally allowed timeframe. Re-aging a debt violates the FCRA, specifically under 15 USC 1681c, as it misrepresents the actual status of the judgment and extends the negative impact on my credit report. **2. Inaccurate Reporting ( 15 USC 1681e ( b ) ) : ** The information provided by is inaccurate as it does not reflect the current and accurate status of the judgment. The inaccurate reporting of this judgment is a direct violation of 15 USC 1681e ( b ) of the FCRA, which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they provide. **3. Use of Outdated Information to Persuade Adverse Actions ( 15 USC 1681b ) : ** Equifax, on behalf of XXXX XXXX is using outdated information in reporting the judgment, leading to potential adverse actions against me. This is a violation of 15 USC 1681b, as the reported information is not a true reflection of my current financial status. This inaccurate portrayal can have severe consequences, affecting my ability to secure credit or make important financial decisions. XXXX*4. Discrepancies with Other Credit Bureaus : ** Equifax, XXXX, and XXXX are reporting the debt associated with the judgment as current and paid on time. The inconsistency among credit reporting agencies raises questions about the accuracy and validity of the judgment reported by Equifax, on behalf of XXXXXXXX XXXX. I challenge the validity of the judgment and request that Equifax, on behalf of XXXX XXXX provides proof of the accuracy of their reporting. I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into the aforementioned violations committed by Equifax, on behalf of XXXX XXXX. I expect that appropriate action will be taken to rectify these violations and ensure compliance with the FCRA. Enclosed with this complaint, please find supporting documentation, including credit reports from multiple agencies highlighting the discrepancies in reporting. Thank you for your immediate attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these violations and protect consumers ' rights. Sincerely, XXXX XXXX
Product: Debt collection

I have detailed and documented pictures and information regarding creditors who have harmed attacked and tried attempts on my life that were XXXX in a Chapter XXXX bankruptcy filed out of the northern district of Texas. My husband is now dead XXXX and they have literally along with multiple other criminal organizations and other corporations initiated paid and bartered to achieve their goal. I need assistance protection and help with this matter that has been taking place since XXXX. XXXX XXXX XXXX, XXXX, mailing only I had to seek safety XXXX XXXX XXXX XXXX Texas XXXX Access and assigned an advocate who specializes with this situation and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. If company " verifies '' than show me the agreement signed between I and the creditor that authorizes me to give them consent to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS My only address is XXXX XXXX XXXX XXXX XXXXXXXX , Va in which I do not sent to it being sold or shared. Any other address on my report is nonmailable and needs to be removed. I Reserve All of my rights and waive none NAMES My only name is XXXX XXXX. Remove all others
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried numerous times to have XXXX removed from my credit. I do not have a XXXX account & I have tried having this removed serveral times unsuccessfully. 
They are currently reporting negative on my credit for two amounts from XXXX. 
One for {$580.00} & XXXX from different dates. 
I did not authorize or have this account.
Product: Debt collection

This debt was sold to another company. Showing up on my credit report as a collection I wish to dispute it.
Product: Credit card or prepaid card

I have fallen behind due to lack of work. My workplace had a tragedy and burnt down on XX/XX/2020 then this covid outbreak happened a week later. Me and my mom both lost our jobs due to the fire. And my unemployment exhauseted itself about a month or 2 ago now. Its XX/XX/XXXX so XXXX thru XXXX i couldnt find employment. Making 2 car paymemts a credit card payment and all the utilities for my house. is hard to pay for when we both lost our job and income stopped coming in.. the world stopped due to covid but somehow the bills just keep coming in when noones working its easy to get behind.
Product: Credit card or prepaid card

Hi, to whom it may concern : I applied for a Citi credit card on or about XX/XX/XXXX and been having problems, issues with the card ever sense. First, when I applied for the card online, someone used / scammed/ got my information somehow I dont know how that happened when I applied for the Citi card . Citi sent me a card stating that it would take 7 to 10 business days to receive it. I never received card, apparently someone else use the card when they received it somehow when Citi sent the card. So they sent a new one which I received, I think they are doing an investigation on the other card they sent but they have been not clear on the status of the investigation! Im ver upset because when I try to use the card I have to calm them all the time to verify my information. Thanks had happened several times!! Very frustrating!! I understand they are trying to find the individual and or scammer who used my name unauthorized but this has been a headache to me verify my identity over and over again!!! Can you please assist here!! I very upset with this matter!!! Citi has not been the best help trying to clear this up and get my card back to normal plus find out who used my name on the first card they sent out that I didnt receive!!! This has been really stressful!!! Please help!! Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is XXXX. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, i entered a consumer credit transaction with upgrade. The total amount of the transaction was for {$10000.00}. On XX/XX/2018, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Upgrade is also in violation of the truth in lending act 15 usc ch.41 1601. As per the contract between myself and Upgrade, it states that the finance charge was {$2800.00}. Upgrade failed to process this transaction appropriately and is in violation of 15 usc 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$5700.00} ). Pursuant to 15 usc 1605 ( a ) the finance charge is the sum of all charges. An {$9500.00} was calculated in the contract and should not have been. The only payment that should have been calculated in the contract was the finance charge.Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Product: Credit card or prepaid card

TodayXX/XX/2018 I called Discover since I have a discover card about why I couldn't take out some money out of my account, they come to tell me without even telling me or notifying me that they closed my account today. Right now I have someone I know well helping me pay for my card and he made a payment of XXXX XXXX twice and Discover rejected both payments. Now this is a bit too much for me, esp closing my account without letting me know.
Product: Debt collection

I had a bank account charged off with XXXX XXXX. Transworld Systems Inc. did not report to XXXX that I had paid in full/and or the complete disclosure of dates and/or amounts paid by me. It has been three years since I settled this matter and it is damaged my check reporting agency score all this time.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I contacted TransUnion in regards to some accounts that appear on my report. I am currently XXXX  so there is no way I could have opened these accounts. I have submitted the necessary documents to dispute said accounts
Product: Credit card or prepaid card

A little bit of background information, I am an active-duty XXXX in the United States XXXX XXXX with a XXXX XXXX XXXX and have never missed a credit or loan payment in my life. 

During the last week of XXXX XXXX, I heard about how Chase Bank was offering to waive annual {$450.00} fee ( voluntarily going beyond what is legally required that was required in the Military Lending Act ) for their most popular credit card, the XXXX XXXX XXXX. A few days later on XXXX XXXX, I decided to take advantage of this opportunity and apply for the credit card, and was told on the website that Chase would let me know if I was accepted or not via snail mail. Having not heard anything and just wanting to check on the progress, I called Chase on XXXX XXXX at XXXX PM ( PST ), and after a few verifications, the gentleman on the line told me I was accepted and that I was approved for a {$10000.00} limit and that I should be receiving the card very soon. On XXXX XXXX, I received the credit card and quickly went through the prompts to active the card and set it up. I then went out to dinner and used it without any problems at all and have n't used it since. Two days later, XXXX XXXX, I found out that my card had been abruptly cancelled without any notification prior to the event. I then called Chase twice at XXXX AM PST and XXXX AM PST and was told the first time that I should be receiving a letter in the mail better explaining what transpired and that he could not help me further than that. The second time that I called, I went through multiple individuals and agencies attempting to figure out what went wrong. Finally I get to a senior XXXX and get told basically the very same thing that the first gentleman told me, that I have to wait for the letter.
Product: Debt collection

I informed   XXXX   XXXX   XXXX   XXXX   of debt they tried to collect on behalf of core first bank and trust. for {$830.00} in  XXXX . That debt was the result of fraud and I had notified the bank and the credit bureau. I disputed the debt on my credit report and the bank agreed the debt was fraud and had it removed from my credit report. Now for whatever reason that debt was sent t o Hollins H Kent. I imformed the m that the debt was takin care of and removed from my credit report. They told me that they didnt care and that I owed  XXXX   XXXX  kent now. I
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account 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 account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX... Balance : {$2400.00}
Product: Debt collection

The debt in question is from my employment with XXXX University XXXX in XXXX. After my resignation six months later I received a call from KLS Financial Services stated I owed a debt to which I replied I was not aware of any debt and refused to continue conversation. 

Over the next 16 months I found that the amount had been added to my credit file for {$5700.00} for an overpayment in wages. Upon learning this I contacted KLS and XXXX to have the matter removed citing 15 U.S.C. 1692 of the Fair Debt Collection Practices Act. 

I received notification of the disputed item debt from XXXX dated XXXX XXXX, XXXX which was nothing more than a Summary of Earnings Adjustment whereby payroll shows an overpayment for {$3200.00} which XXXX University claims was for 12 days paid to me after I resigned. I spoke to Ms. XXXX and demanded that they remove this as per law any employer based issue over wages first needed to be placed for judgement and as there was not a judgement issued against me the employer had no recourse to pursue me for collection and illegally place into my credit file. 

On XX/XX/XXXX I received a letter from XXXX stating they had removed the debt from my collection file. It was at this point I felt the matter had been resolved and that I could move forward with repairing the damage done. 

I now see that the debt is still found as a collection on all three of my credit files. At this point I refuse to reach out to XXXX because I am told each instance can reset the debt and keep it on my credit. My larger concern is how the credit bureaus did not follow protocols to ask if there was a sufficient judgments in the matter. This would end the pursuit and validate my concerns that it is a bullying attempt by XXXX university to circumnavigate the FCRA rules. 

Please aid me with removing this from my file as I feel the only recourse i may have to take is to sue all parties including the credit bureaus for their lack of responsibility to enforce and maintain laws aimed to protect the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax that this account has been opened in my name but I did not open this account. This account is being reported is FRAUD. Please delete this account and block this from my credit for XXXX. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : CBNA XXXX XXXX - XXXX  - XXXX  CITIBANKNA XXXX XXXX XXXX/XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX  XX/XX/2020 XXXX  XXXX  XXXX XXXX  XX/XX/2020 XXXX