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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Collection from True Natural Gas, as well as Hard Inquiries from : XXXX XXXX and XXXX XXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/year> 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, 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 15 USC 1681s-2 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 reporting, credit repair services, or other personal consumer reports

I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is 5 with XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXXXXXX and XXXX and XXXXXXXX XXXX also state they will remove their items from my credit report and to date they have failed to do so I am XXXX as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Supplied Equifax with detailed information and Legal Federal regulations in reguards to the cares act it took them over 30 days and I recieved back the same results I spoke with a lady on XXXX XXXX @ XXXX XXXX confirmation # XXXX and stated they have to remove this imediatly as Allied Collection has not provided anything relevant to proceed with the negative report Equifax is operating against federal reporting guidelines
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XXXX XXXX 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 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 15 USC 1681s-2 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 reporting or other personal consumer reports

To whom it may concern : I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.
Product: Credit card or prepaid card

In an ongoing effect of being a loyal customer to JPMCB Card Services that closed my account without proper proof, inaccurate information and do to discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate information that does not belong to me on my consumer report. All of the listed items are put on my consumer report without permissible purpose and or related to fraud. Attached will be the FTC report and police report that I have obtained by XXXX XXXX Police department.
Product: Debt collection

I am writing to address a concerning matter regarding my credit report. Upon reviewing my recent credit report, I noticed that there is a late payment recorded on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

United Collection Bureau , Inc . 
XXXX XXXX XXXX. 
XXXX, OH XXXX Re : Cease and Desist and Demand for Damages for Violations of the FDCPA To Whom It May Concern, I am writing in regard to a letter I received from United Collection Bureau , Inc., dated XX/XX/year>, concerning an alleged debt with XXXX XXXX XXXX XXXXXXXX, account ending in XXXX. Upon reviewing this communication, I have identified multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Specifically, the violations include : XXXX. **Violation of 15 U.S.C. 1692e ( 2 ) : ** Misrepresentation of the character, amount, or legal status of the debt. 
- The letter fails to accurately represent the status of the debt and provides misleading payment options that may not reflect the true amount owed or the terms of settlement. 

XXXX. **Violation of 15 U.S.C. 1692g ( a ) : ** Failure to provide a proper validation notice. 
- The communication does not include a clear and accurate statement of the amount of the debt, the name of the creditor to whom the debt is owed, and the consumer 's right to dispute the debt within 30 days of receiving the notice. 

XXXX. **Violation of 15 U.S.C. 1692c ( b ) : ** Unlawful third-party disclosure. 
- The letter was sent in a manner that exposed information about the debt to third parties, which constitutes a breach of privacy under the FDCPA. 

Given these violations, I am formally requesting : XXXX. **Cease and Desist : ** That United Collection Bureau , Inc. immediately cease all communication with me regarding this alleged debt, as further contact will be considered harassment and a violation of the FDCPA. 

XXXX. **Demand for Damages : ** Compensation for the statutory damages of {$1000.00} for each violation identified above, totaling {$3000.00}. 

Please send a written confirmation that you have received this letter and that you will comply with the above requests. Failure to do so within 30 days will result in my seeking legal action to enforce my rights under the FDCPA. 

Thank you for your prompt attention to this matter. 

Best Regards, XXXXXXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card

We were called by someone saying they were with Chase bank that and were told someone tried to charge a purchase in Virginia ( we live in Kentucky ) to our account They blocked the transaction. They went on to insist our information from our credit score was now public domain and they insisted in putting us in contact with CFPB directly to avoid us being charge $ XXXX to make the complaint on our own. 

We were transferred to XXXX that said she was with CFPB .She said there must have been a bank violation and XXXX XXXX and XXXX XXXX are both violating federal law by making personal credit score information public domain. She also said it could come from a consumer violation by not paying credit card charge on time or having filed bankruptcy. We didn't get any farther as I had to pause to go to the restroom and she said she would call us back on Saturday for us to take action to protect our accounts. 

We have contacted Chase Bank and they deny any type of questionable transaction showing up and the call was probably a fraud. The person did call from a number that the Chase person said it was a foreign Chase bank overseas number. That number was XXXX. We have put a lock on that credit card and they advised we contact XXXX XXXX put a freeze on my credit report and a fraud alert for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from the company I applied for stating that I had an active XXXX case against me when it fact my case was disposed of as of XX/XX/2020 and I have the records with it. I was in XXXX living at the time and had already held down a nearly full time job with close to 9 months of XXXX. If the records are needed then I will provide but the fact that an issue like this would impact the way people would think I would work is offensive and extremely disrespectful as someone that has made the effort to get XXXX at the age Im at and still able to uphold responsibility and live life like any other person in society.
Product: Credit reporting or other personal consumer reports

after checking my credit report I noticed an innacuracy in my citizens account- it is reporting with a late payment for XXXX. while my account was closed, it was never paid late or not paid at all. I have sent requests for this account to be updated as current and they, and the credit bureaus have failed to update the account. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. Validate/inaccurate reported late payments Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2100.00} please have this updated immediately by all XXXX bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my original creditor, XXXX XXXX, issued a Form 1099-C ( Cancellation of Debt ) for an auto loan, officially recognizing the debt as canceled under 26 U.S.C. 6050P. According to IRS Notice 2012-65, once a 1099-C is issued, the debt is considered canceled, and the creditor should no longer report it or attempt collection. 

Despite this, the account remains on my credit report, negatively impacting my credit score. I disputed the inaccurate reporting with Experian, but they have failed to correct or delete the account. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681e ( b ) ( FCRA ) Credit bureaus must ensure maximum accuracy, yet they continue to report a canceled debt. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) Data furnishers can not report inaccurate information, and reporting a canceled debt is misleading. 
15 U.S.C. 1692e ( 8 ) ( FDCPA ) Prohibits reporting false or misleading information, including a debt that has been legally canceled. 
Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court ruled that credit bureaus must conduct a reasonable investigation when a consumer disputes an account. By failing to properly investigate and remove this account, Experian is in violation of federal law.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report in XXXX and notice 2 accounts I have knowledge of or affiliation with. Those 2 creditors are XXXX  and XXXX XXXX. In XXXX  my information was compromised by my tax preparer as the company was relocation. I was advised files were missing that included my personal information. I reached out to the CRAs ( Experian, XXXX, XXXX ) to have my profile temporary frozen. In XXXX I contacted the CRAs again to report the 2 fraudulent accounts I've never applied for, requested verification and for them to be removed. I checked again XXXX and accounts are still being reported. Reporting accounts due to identity theft violates 15 USC 1681 c-2. I also noticed someone attempting to access lines of credit because I now have credit inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have not authorized these transactions nor given any written consent for this information to be furnished to my report, which is in violation of 15 USC 1681B I am also requesting that my address is updated and also previous addresses not affiliated with are removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX  I am demanding these accounts to be removed as I did not authorize or open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable.

I want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. 

I expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.
Product: Credit reporting or other personal consumer reports

Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I was never late, this is against TILA US Code 1666B.

I discovered an inaccurate late payment record on my XXXX XXXX account [ XXXX  ] when I just looked over my consumer report. I have consistently made my account payments on schedule. According to the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ),
Product: Credit card or prepaid card

I have 2 charges for XXXX on XX/XX/XXXX {$34.00} and a {$10.00} fee for a cash advance although it is a purchase. XX/XX/XXXX same merchant XXXX purchase however Capital One is alleging it is a cash advance which it isnt for {$92.00} and a {$10.00} fee. Per the supervisor I spoke with I was told to dispute both transactions as a purchase not as a cash advance I did that. Capital One comes back alleging they cant help me, the merchant processed it as a purchase. I have done business with this merchant in XX/XX/2022 and prior no issue. I am asking capital one to credit all interest, fees, and the correct amount of the purchase back. I did business with this merchant only as a purchase!
Product: Debt collection

I have been out of work since XXXX XXXX and have been trying to receive a consistent amount of social security benefits. I had a membership at XXXX XXXX XXXX, XXXX and the contract period has been fulfilled. I was on a month-to-month membership which I attempted to pay when I had money. 

I found out that there may be a problem when I received a solicitation letter, dated XXXX XXXX, XXXX, from law firms who were offering to represent me in a lawsuit that was filed by XXXX XXXX XXXX, XXXX. Since this was news to me, I went to the facility at XXXX & XXXX XXXX, XXXX, NE to talk to the manager to find out what was going on. I spoke with a person who identified herself as the manager. I showed her a letter from a lawyer and asked if XXXX XXXX XXXX had filed a lawsuit against me. She looked up my records and informed me that the account had been turned over to a collection agency. She assured me that there was no lawsuit filed against me. She did not allow me to remedy the overdue account since the account had already been referred to a collection agency. I did not pursue the matter any further based on her assurance that there was not a pending lawsuit. 

In early XXXX XXXX, I received a summons that was dated XXXX XXXX, XXXX notifying me that XXXX XXXX XXXX, XXXX was suing me for {$210.00}. There was a yellow sticky note on the front of the summons with the name XXXX XXXX XXXX XXXX. The officer who delivered the summons informed me that the lawsuit was pending and I should contact XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to find out what was going on and was told that they had sent a letter to me on XXXX XXXX, XXXX. In that letter they told me that I had 30 days to dispute the claim or resolve it. I informed them that I do not have a record of receiving a letter from XXXX XXXX XXXX. I was told that, since the letter was not returned, they presumed that it was delivered. 

I did not know that XXXX XXXX XXXX had canceled my membership, did not know that they had referred the account to a collection agency, did not receive any correspondence from XXXX XXXX XXXX, and initially found out about a lawsuit from a lawyer solicitation letter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I am a XXXX years old XXXX man, someone of got into my credit and charge my credit cards up very high, so, .I call One Main Financial and got a loan. I did not know that interested rate would be so high that, I can pay the loan off. The loan amount was {$13000.00} dollars and I have made Six payment it all going interested and still at {$13000.00}. My name is not signed on the application. One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX. Can someone help me? XXXX XXXX XXXX XXXX XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX  ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting 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 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 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 # ( XXXX ) 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: Student loan

From XX/XX/XXXX until XX/XX/XXXX I attended XXXX XXXX XXXX XXXX location. The school did not properly provide the advertised accreditation. They are now closed for business. They over priced the education that we received and can not use the degree we earned.. as falsely advertised. I owe Sallie Mae/Navient {$82000.00} with payments of {$720.00} that I can not afford. I need help and dont know what to do or how to go about it. This school was in a lawsuit and so was the lender. Can someone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting on Transunion and XXXX a last reported date of X/X/2017 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
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.

Past Previous Accounts Opened and Closed Have 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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